How to get high income. Passive income on YouTube

Subjects entrepreneurial activity, investors, owners of liquid assets and free cash are often interested in what sources of passive income can be used to improve their financial situation with minimal risk of losing their property or savings. In addition, even the most hardworking people at least occasionally dream of making a steady income and doing nothing at the same time.

But everything in the economy is built on the basis of the laws of materialism, which exclude any miracles and magical transformations: to make a profit, you need to either work, or have money (other resources) that can be invested in a profitable business. That is, you can make a profit in two ways: by taking an active part in some profitable business or by investing your money/property in projects that generate passive income.

The last option is the main topic of the presented article, from which you will learn about what are the sources of passive income with examples from real life how much money they bring in, and what you risk by making a profit in this way. These recommendations will help readers to effectively use their savings and other assets, and you will learn how to make a profit with minimal risk of becoming a victim of fraud.

Sources of passive income - popular types

Among the most common sources of passive income in Russia are the following::

bank deposits. Simple, reliable, no need to calculate or analyze anything. The risk of losing savings is minimal if you open a deposit in a well-known bank. Main disadvantage is that your earnings, if you open a deposit in a serious bank, will be a penny, and taking into account inflation, almost zero. Some small, obscure financial institutions offer much higher interest on deposits than any average bank, but there is no guarantee that you will receive them. In a couple of months, this office may disappear along with your money. This type of profit makes sense when you have a large amount of money that you do not risk investing in other projects.

The next source of passive income is created from scratch, and on initial stage requires your participation. We are talking about your own business, when you organize and improve its work, and then get a stable profit. The main disadvantages are related to the fact that at first (sometimes several years) it is necessary to work very hard, and then find a manager who can be trusted one hundred percent. Advantages - high reliability, stability, income is much higher than in other passive income options.

Renting an apartment or other real estate. If you have a vacant apartment in big city, so you do not need to worry about your financial condition. Many experts researching best sources passive income, this method is put in the first place. The risks are minimal, the main thing is to find a decent client and conclude an agreement with him that will take into account all the nuances. You need to invest money only in the repair and purchase of furniture. That is, you don’t need to do anything, just make a monthly profit and check how your tenants comply with the agreements. But this is provided that you already have a property. The situation when you need to buy an apartment does not look so attractive.

Creation of your site. Good view income, but it, like any other business, at the initial stage requires a certain participation from you, and in further work, you need a reliable leader of this project. In addition, this activity is associated with huge competition, therefore, in order to make a profitable resource, you need to really original idea. Some theorists of economic disciplines, analyzing possible sources of passive income, believe that the development and development of a web resource is impossible without the participation of its creator. The conditions of affiliate programs change, new advertisers appear, new content constantly needs to be added to the site, etc. In other words, this business can hardly be classified as passive income.

Unlike the previous option, investing in Mutual Funds allows you to receive passive income and can be considered a classic example of this type of income. You entrust your savings to professionals who know what securities will bring profit, so you don't have to worry about their safety. The main thing is to choose the right mutual fund, the size of your income depends on it. According to a similar scheme, you can transfer your money for trust management on stock exchanges, currency markets, etc. If you understand the mechanism of formation of exchange rates and know how to work with securities, you can earn money without the help of intermediaries.

There are also sources of passive income without investing financial resources. These include renting real estate (described above), receiving royalties for a book or scientific work, as well as royalties for inventions, provided that you have the appropriate patents for them. The presented options look very attractive in financial plan, but in order to receive money in this way, you must have the talent of a writer or inventor. Unfortunately, there are very few such people, but maybe it is you who have all the prerequisites to create something brilliant and receive a decent reward for it.

In a separate group, it is necessary to allocate profit by leasing equipment and vehicles. The recipient of passive income runs the risk in this situation that his property will be brought into a state beyond repair. Of course, such things are necessarily discussed in the contract, but if the car costs millions of rubles, the owner will have to wait a long time until he is paid off. Therefore, do not forget about insurance companies that will help you solve such problems.

Many readers are interested in how the situation on this issue has developed in other countries. If you do not delve into some of the nuances, we can say that there is no difference, for example, the sources of passive income in Ukraine fully comply with the above list.

Differences in different countries may arise under a category that theorists call "legal" passive income. This includes cash transfers such as pensions, utility subsidies, scholarships, affordable housing, etc. This money is paid by the state to people who find themselves in a certain life situation when they need material assistance.

Practical recommendations for creating stable sources of income

Practice shows that a person who is completely focused on his work rarely thinks about getting passive income. Of course when we are talking about a favorite business that brings an adequate profit, which is enough to satisfy all needs, including the creation of a decent reserve fund, then there is no need to resolve this issue. But in the case when the salary is not enough, you need to look for free time to solve financial problems. A working person needs to focus on multiple sources of passive income that will insure each other, allowing them to count on a certain stability.

One affiliate program is not working this week, so another will bring more money, on referrals instead of 100 dollars they earned 50 dollars, but advertising on the site was 30% more profitable, etc. Take the time to create profitable assets that will significantly increase the cash flow to your personal budget. The more sources of income there are, the less likely it is to suffer, financially, from external adverse factors (for example, a sharp change in the exchange rate).

Never spare money for your own education. Improve financial literacy, learn the theory of entrepreneurship, pay special attention to the analysis of ways to make passive income using the Internet. Of course, not every person can independently create a site, then organize its promotion in the main search engines and ensure that the resource brings a stable profit.

But if you have an interesting idea, find the right people, start-up capital and start implementing the project. Analyzing the sources of passive income on the Internet, we can conclude that your web resource is one of the most promising in terms of profit and stability.

In addition, a personal website is the foundation for the following areas of profit:

Banner and contextual advertising. If you are the owner of a promoted site with high traffic, advertisers will search for you and agree on the placement of their advertisements.

Sale of links.

Partnership programs.

If we talk about sources of passive income on the Internet without investments, then it must be said that this is a rather difficult, but doable task. Alternatively, you can direct your efforts to attract referrals to mailing list sites. Naturally, at the initial stage you will have to work, but then you will only make a profit without doing anything. For readers who are not familiar with mailers, in a nutshell about the mechanism of their work. On these resources, some users set simple tasks, while others perform them for a monetary reward.

This can be voting in contests, writing small reviews, chatting on forums, clicking on advertising links, and many other small tasks that do not require special qualifications. If you brought a performer to the mailer who will earn $ 50 every month, your profit will be five. Imagine that you have a hundred referrals on 2-3 sites. In this case, your passive income will be from 1000 to 1500 dollars. At the same time, you do not need to invest money, the main thing is to come up with effective methods for attracting referrals. Another option is trading affiliate programs where you need to attract customers, but this way of earning can hardly be called passive.

If you still doubt whether it is worth creating sources of passive income, we will conduct a comparative analysis of this method with active methods.

Active income implies constant work, if you work, there will be money, if you don’t work, no one will pay anything. Passive income is accrued steadily and without your participation.

Sources of active income are limited: You cannot work in 5-10 places at the same time. Passive income can be received from 1-2, as well as from 50-100 sources.

Practice shows that active income is chosen by people with a low level of financial literacy, who are under the influence of stereotypes that were formed back in Soviet times. Passive income is of interest to educated, progressive people who strive for financial independence.

An analysis of the sources and methods of passive income showed that this topic is of interest to every hardworking person who is not going to work for someone all his life, giving his time, energy and health for a penny, the main thing is to think positively and not despair, if from the first not everything works out.

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I am glad to welcome the readers of our portal! Oleg Zolotarev is with you. Today we’ll talk about the now popular phrase “passive income”. Many dream about it, because it's very cool, you see, to do nothing and get paid for it. But is it really so? What is passive income, what activities can be attributed to it, as well as what time, material and physical costs are behind it, we will analyze in today's article.

Passive income: a general concept!

Each of us roughly understands the meaning of the “passive income” category, because the clue lies in the phrase itself. Passivity means inaction. This means that the income received in this way does not imply an active labor process from a person. Thus:

Passive income is the receipt of remuneration with some frequency without the need for daily work.

It is safe to say that building a reliable base that will provide its owner with a good passive income is the highest level of financial independence. This is the bar that everyone needs to strive for, because it is then that a person will be able to feel complete freedom, enjoy life, have enough time and money to implement their plans and make their desires a reality.

Unfortunately, not all types of passive income can provide such freedom. More often than not, available sources, such as bank deposits or real estate rents, provide the owner with a steady addition to their basic income. However, there is no need to talk about living luxuriously solely on these cash receipts.

Of course, there are exceptions here too. Among my acquaintances there are people who at one time acquired a dozen apartments in Moscow and now safely rent them out and receive their considerable passive income. However, there are not many such people. The same applies to the situation with bank deposits. Given the low percentage of profitability (about 10% per annum), how much money should be owned in order to live comfortably only on interest? In this case, it is more expedient to invest free money in more profitable projects. I have already described affordable alternatives in the article Where to invest money in 2016 so as not to lose? Expert advice and personal recommendations!

In addition to these sources of passive income, you can also highlight:

securities, patents for certain inventions, software products or creative objects, trust management of own assets in business or financial markets, passive income on the Internet in the form of your own portal, affiliate programs.

Passive income requires an initial investment! Where to get them?

Whatever the source of passive income, there is one thing in common for each of them - it is the presence initial capital. It is impossible to achieve complete financial independence without initial investments. To receive interest on the deposit, you need to have this same deposit. To buy a security, you need money. To build your business, and then simply control its activities, you need a lot of money. To write a book, make a film or come up with an invention, and subsequently acquire copyright, financial resources are also needed.

However, what should a person who does not have the necessary financial layer do to forget about his dream of having a passive income? Of course not! Now you can just look at the screenshot of my screen and see the amount of money indicated in the corner:

I can freely dispose of this money: I can spend it, or I can make it a source of passive income. However, friends, such a figure did not appear on empty place. This is the result of my long-term work in the financial markets using a modern investment method - binary options. Right now I suggest watching a short video about them:

I have been trading binary options for several years. This way of income gradually turned from an interesting hobby to the main source of income. Skeptics now ask to calm their negativity. Our portal exists only because other people need it. No one is forcing anyone to immediately start trading binary options. It just shows an alternative that, with the right approach, will help a person with a minimum starting amount and a great desire to earn decent money, which can later serve as a platform for passive income.

Actually, my interest in this source of income appeared when I got acquainted with the Pamm-Trade portal. While I was learning to trade, so to speak, I was improving professionally, the portal itself was changing along with me. Now just a huge amount of information has been collected here on the part of trading with binary options and Forex. I started with fairly simple trading strategies and a $250 deposit.

What has helped me succeed and multiply my investment? Firstly, I am by nature a person who likes to bring everything to the end. I don't stop because of small failures. On the contrary, they encourage me to move forward even more. Secondly, before I start anything, I thoroughly study the information. I am absolutely sure that knowledge is the weapon that, sooner or later, will allow you to make a long-awaited shot at the top ten. So it was with me. And in many ways, the merit of the Pamm-Trade portal and its founder, Viktor Samoilov, is here.

I received most of the theoretical training on this portal. Now it is much easier for beginners. More and more detailed manuals appear every day, in which every step of a novice trader is described. The most detailed work on the Internet, after reading which you will know everything about binary options - this is, of course,

An equally informative, but more compact source, which clearly and consistently outlines the steps in trading, is an article. Actually, it is from her that I would advise you to get acquainted with the functioning of this modern investment tool. And to understand all the nuances and subtleties, refer to the first indicated source. You will definitely find answers to all your questions there.

You can rent out housing in any condition: with repair, without repair, for a long time or for a day - the differences will be only in the amount of future passive income. But the fact that there is always a demand for rental housing is 100%. Now you don't even have to worry about looking for tenants. Agencies and private realtors have flooded the market so much that they will gladly and completely free of charge take up the search for guests for you. In most cases, the tenant pays the commission for the services.

Of course, the better the apartment, the higher the passive income you can receive. Location and proximity to transport interchanges also play a role. Prices for renting an apartment in the city center and on the periphery with identical conditions may differ by 1.5-2 times. Renting a house in a resort town can generally be the only and sufficient source of income.

Regarding whether to rent housing for a long time or daily, one nuance must be taken into account here: how much free time do you have in order to engage in daily rent? Naturally, earnings with this type of rental will be much higher, but the risks and the cost of personal time too. And we are not even talking about the fact that the landlord independently engaged in the search for clients, their accommodation and other organizational issues. It will be necessary to invest more money and time in daily housing: change something, repair something, perhaps even listen to neighbors' complaints. There will be many questions and they will often arise, because the audience for such a lease can be the most diverse, 50% of the tenants will be, to put it mildly, dishonorable people.

Regarding the long-term lease, here passive income is provided in its purest form. I remember when I also rented an apartment, communication with the owner was minimal. For 5 years of residence, I saw him only a couple of times, transferred the monthly payment to a bank card, if something fell into disrepair, I repaired it myself and included it in the cost of future rent. If you try to find decent tenants on long time, with which there will subsequently be no problems with payment or damage to property, then this is on long years will be a good supplement to the basic income with your minimum participation. And if there are several such real estate objects, then, of course, you can live in peace only on this passive income.

Option #2: Passive Business Income!

This type of passive income is also possible, but the main problem that you will have to face is the selection of management staff. After all, the work of your business, and hence the size of your dividends, will depend on it.

Now there will be no talk of building your business from scratch and giving it to trust management. If anyone does not know what the essence of this term is, then it is described in detail in the article. I am 100% sure and have repeatedly seen how the owners treat the business that they built with their own hands. This attitude cannot be called otherwise than to your brainchild. What parent would give their child to another family? Therefore, businessmen who started from scratch and invested a lot of time and effort in a company that is successfully operating in the market will never voluntarily give it into the hands of another owner. Only forced life situations can induce to do this.

Another thing is if you decide to purchase already ready business and no desire or time to do it. In this case, you, as the owner, will receive your passive income in the form of dividends and occasionally control the state of affairs. However, here you need to be aware: if you are poorly versed in the specifics of the activity, then it will not be difficult for the current management to deceive you. Even if the planted person enjoys great confidence, is a relative or friend, sooner or later he can succumb to ordinary human vices - greed and a thirst for power. In such delegation of managerial powers, there is a huge risk that you will be deceived and robbed. You will either have to put up with this, or devote more time to control, or take the reins of power into your own hands. The last option, of course, has nothing to do with the concept of "passive income".

Option number 3: Copyright and passive income!

Writing a bestseller, creating a hit song, coming up with a useful invention can all be a source of passive income. However, how many people are capable of this? But the fact remains: such a method exists, which means that I had to mention it in my list.

As they say, and the stick shoots once a year. Joanne Rowling, a world-famous writer thanks to her fantasy novel Harry Potter, while working as a secretary-translator and living on one allowance for some time, also could not imagine that within five years after the release of her book she would turn into a multimillionaire.

In fact, there are many such examples. Did you know that Margaret Mitchell, author of the world bestseller Gone with the Wind, wrote only this one novel in her life, which later brought her and her family big fees? The book was sold in millions of copies, and the first screen version of the work added another 50 thousand dollars to Mitchell's piggy bank. After the death of the writer herself, the copyright for the work was distributed among her nephews.

It certainly takes a lot of talent to create something like this. It rarely happens that one work will be the only source of income for many generations. More often than not, authorship involves ongoing follow-up work. They wrote a book, published it, and then it is necessary to advertise it. When the interest of the public fades, it is necessary to come up with something new. Only in this case, income will be maintained at the proper level. Not every musical group is on the level with the Beatles and not every literary work becomes a bestseller.

Regarding the legislation in Russia concerning copyright, it is valid during the life of the author himself and the next 50 years after his death.

Option #4: Passive Software Income!

In fact, this is the same authorship, only in the field of IT technologies and programming. If you have any innovative ideas in this area, then you are provided with passive income for a while. You are unlikely to become the next Bill Gates, although… For example, you know how to program for iOS and have created some necessary application for the iPhone that is so popular today, or you have come up with another interesting game for the social network Vkontakte. Who knows, maybe your development will become another hit. How could the developers of Twitter imagine that this simple software solution will receive such a huge popularity?

Or another option without authorship - buy a server and provide paid hosting services. But then you need to take care of technical support. If you want to do it yourself, then lying on the couch will not work, you will have to answer numerous calls from users.

You can try to become an Internet provider. However, it only seems that it is worth buying the necessary equipment once, connecting it, and subsequently receiving passive income for many years. In fact, the difficulties lie not so much in the purchase of expensive equipment (it will take about 3 million rubles), but in numerous organizational issues, for example, registering a legal entity, obtaining licenses, passing examinations. All this also additional expenses. Subsequently, the same technical support is needed, workers for installation and connection, personnel control, etc. In general, lying on a sun lounger by the ocean with a mojito is unlikely to succeed.

Option #5: Passive Blogging Income!

Thematic blogs have now become very popular. The most popular topics among readers are finance, business, health, sports and more. The point of a blog is to provide useful and interesting information to visitors, and in return to receive income from contextual advertising or affiliate programs. Of course, there are many pitfalls in this area. Creating a website is the easiest task of all the upcoming ones along the way. Further, it will need to be constantly filled with high-quality and unique content. Of course, you can do it yourself, but this lesson will take a lot of time. It's easier to use the services of professional copywriters.

The advantage of article promotion over paid advertising in search engines is that the article will not disappear without a trace. You pay for it, post it on your blog, and it will be your long-term asset, which will subsequently lead to a lot of traffic. In addition, you will need to actively engage in promotion. Nobody wants a blog that hangs in the hundredth position in the search engines. In addition to SEO-optimized content, you will need to buy links, post articles on third-party resources, work on social networks, etc. That is, the work will be difficult and painstaking. Especially if the portal was created from scratch, in the first half of the year it is hardly worth dreaming about TOP positions.

However, as soon as you succeed in moving a huge car, it will begin to move by inertia, but you will only need to push it slightly. When your blog has a sufficient number of visitors (preferably at least 1000 per day), you can connect contextual advertising and earn on every click. Subsequently, you will not be as active in the site as at the beginning. But I would not dare to call such income absolutely passive. You will have to constantly maintain attendance: write new articles, improve usability, and attract the attention of visitors. Without all this, your portal will soon be lost in the ranks of more active competitors.

Option number 6: Passive earnings with the help of mutual funds.

Mutual investment fund (UIF) is a pool of funds of individual investors (shareholders) managed by professional portfolio managers, investing them in securities (mainly stocks and bonds), precious metals, real estate and other assets.

Simply put, you trust your money management company for them to work effectively. Not everyone has the knowledge of the functioning of financial markets or the time to get it. However, there are people who have such knowledge, and they become the organizers of such funds, collect money from a group of people, invest it in various assets, and ultimately make money on it. You, as a member of the fund, also receive your share of the profits.

In Russia, the activities of mutual funds are strictly regulated by law, which is a significant plus for investors.

In world practice, such funds appeared a very long time ago, back in the 70s of the 20th century. However, in Russia, for the first time, mutual funds were formed in 1996, but at that time they did not gain much popularity. Since 2003, Russians have been actively entrusting their money to these funds.

The shareholder's income is the difference between the initial value of the investment and the amount that he will receive after the sale of the entire share or part of it. We should not forget that the fund is managed by professionals - portfolio managers, who, through the diversification of assets, minimize the risks of losses.

It is often thought that shareholders also receive dividends, but this is not so.

Mutual funds do not have any interest, dividends or other payments. Each participant receives his income only when selling his share (share).

Passive income from mutual funds: advantages.

What do mutual funds give to the investor:
1. The opportunity to enter the investment market even with a small amount of money due to the fact that the fund accumulates large capital from private contributions.
2. Do not participate in money management on your own, but entrust it to professional managers who understand not only which assets should or should not be included in the portfolio, but also can quickly respond to changes in market conditions and change portfolio assets in time.
3. A small risk of financial losses due to the diversification of assets and timely response to the market situation by investors.
4. Possibility at any time to buy additional shares, sell them, transfer them by inheritance or make them collateral.
5. Higher yield compared to bank deposits (it can reach up to 100% per annum and higher).
6. Lower commission costs for a brokerage company compared to if a person acted independently as an investor.
7. Confidence that the fund will not disappear just like many investment projects. The state regulates the activities of mutual funds at the legislative level. To prevent the abuse of depositors' funds, the money is separated from the management company. They are stored in a special depository, which also performs control functions. You can't just take money out of your account. The depositary can block the money at any time if he suspects any fraudulent activity. In addition, there are also supreme regulatory bodies - these are federal Service on financial markets and the State Tax Service.

Disadvantages of investing in mutual funds!

Of course, there are some disadvantages of mutual funds:
1. Risk of loss of invested funds. If the portfolio yield falls, then the shareholder is not guaranteed a return even of the initially invested amount, not to mention the profit.
2. Unknown return on investment. If with a bank deposit you know exactly how much money you will receive at the end of the term, then in this case the mutual fund does not have the right to announce a possible profitability.
3. Income from the sale of a share is subject to income tax at a rate of 13% for residents of the Russian Federation and 30% for non-residents.

Option number 7: Passive income classic - bank deposit!

A bank deposit is the placement of temporarily free funds of a depositor on a savings account with a bank in order to preserve and increase funds on demand or on certain period specified in the contract.

If investments in mutual funds or binary options are more innovative methods of money management, then a bank deposit is the most famous and common way to receive passive income. Everyone knows about it, and most people use this particular method, despite its low profitability, which sometimes can only cover the existing level of inflation.

A bank deposit in money or precious metals cannot be called an effective investment method, it is rather a method of saving one's money. Passive income from such investments will be negligible.

Option number 8: Trust management in financial markets!

You can trust your money in the management of professionals not only with the help of mutual funds, but also traders on the stock exchanges. Moreover, it can be both an over-the-counter market and quite real transactions, for example, on the American stock market or on the Moscow Exchange. The fact is that if in the case of mutual funds you do not risk being deceived, since its activities are regulated at the state level, then in all other cases no one will give you any guarantees.

Now any binary options broker or Forex broker will offer you a trust management service, but it will not take even a month for your money to fly into the pipe. This is natural, because the broker is not interested in his own ruin. However, in the case of real trading, for example, stocks or indices, trust management may well become a mutually beneficial cooperation between an investor and a trader, because they often divide profits and losses in half, respectively, everyone is interested in making a profit.

But the difficulty of entering the same New York Stock Exchange is that here you will not be limited to the initial amount of $200-300. In order for a trader to be able to work effectively with exchange-traded assets, a minimum of $25,000 is required. And of course, no one can guarantee you a stable passive income, because speculation in financial markets is, first of all, high risks. Even super-professionals cannot reduce all of them to zero.

Option number 9: Participation in affiliate programs and passive income from it!

The affiliate program implies your participation in increasing conversions (selling services or products, registering, clicking, filling out a questionnaire or other other action), for which you will receive an appropriate reward in the form of a percentage.

Affiliate programs are similar to network marketing, but if the MLM business involves your constant activity, then in the case of an affiliate program it may not be.

I will give a simple example: once upon a time I worked part-time on a copywriting exchange and became a member of an affiliate program. I had my own referral link, according to which the system determined all my attracted people: it doesn’t matter whether it was an author or a customer. When his account was replenished, a certain amount of money came to my account - a percentage of client replenishment. At the same time, I myself had long ceased to work on the stock exchange, and the money kept dripping.

These programs are now ubiquitous on the Internet. They are single and multi-level. Naturally, the second option is more interesting, because then you get passive income from a whole chain of attracted people.

It is believed that the largest partner remuneration (up to 25%) is offered for various information products - courses, online training, master classes, etc. On a hosting affiliate program you can get from 10 to 20%.

It is very good if you have your own website, then it is easier to make money on an affiliate program. However, even without it, you can distribute affiliate links in many ways, for example, through social networks, forums, mailing lists.

Findings.

Friends, today we have looked at various ways to get passive income in our time. What conclusion can be drawn from all that has been said? In the classical sense, it is rarely present anywhere. Almost everywhere you will be required to participate and some activity. Of course, passive income is not a myth. But in order to be able, without doing anything, to receive not miserable pennies in the form of interest on a savings deposit, but decent income, you need to try very hard. It is necessary to have either a good initial capital, or a profitable operating business, or an advanced Internet resource.

Having been trading binary options for several years, I managed to make a good amount of capital, but in the near future I do not plan to make passive income out of it, I am used to constantly acting and actively investing, and most importantly, getting a great buzz from this activity! After all, as you know, movement is life. And in my deep conviction, only its dynamic rhythm is the only true one of all existing ones!

Hello, dear readers of SlonoDrom.ru magazine! Almost every one of us ever thinks about where to invest money so that they work and bring in a monthly income?

There are a lot of investment options! Not all of them are effective, and what to hide, there are often just fraudulent organizations whose only goal is to get money and hide with them forever. I know about this firsthand!?

In this publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2019! And of course, in practice we will try to objectively figure out where it is more profitable and best to invest our money.

You will also learn about where you should not invest your money so as not to lose it!

And most importantly, I will share with you my life experience , concrete examples and useful tips that will allow you to invest money correctly and receive high passive income!?

Regardless of what amounts of money you are going to invest: small or large - this article will be most useful for you!

In addition, you will learn:

• What are the investment options, what is their yield and which one to choose?
• Where can you profitably invest money on the Internet?
• How to invest money in order not to burn out?
• And also about where it is better not to invest your money!

Get comfortable and we'll get started! The article turned out to be a bit long, because I tried not to miss anything important. I hope I succeeded!?

1. What is important to know about investments?

First, what you need to know before investing your money anywhere is that you only need to invest your free cash ! In no case do not invest the money that you badly need and, moreover, do not get into debts, loans and credits.

Nobody gives an absolute guarantee that you will multiply the invested money! There is always a risk of losing money, even if it is an investment with a high guarantee (such as government bonds or bank deposits).

This must always be remembered, because investments can both bring profit and losses!

Secondly, before investing your money somewhere, you need to actually evaluate what exist risks and what profitability can be obtained from this or that investment.

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

But in any case, who does not take risks, he does not earn. It is always necessary to take smart risks!?

In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:

• profitability,
• risk,
• payback period,
• minimum investment amount.

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

Thirdly to reduce risks, it would be logical diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.

For example, you can distribute like this:

1. conservative portfolio (bonds, real estate, precious metals…) — 50% of all funds;
2. moderate portfolio (mutual funds, shares, business projects...) - 30% of all funds;
3. aggressive portfolio (currency market, cryptocurrencies…) — 20% of all funds.

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

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

Investing is first and foremost risk management! First of all, you need to take care not to lose money. Profit is the second thing.

And if you still have little or no experience in investing yet, then start investing with minimal amounts and avoid high-risk assets.

Read this article to the end, because at the end of the article you will learn about other important investment rules!?

2. Where is it better to invest money in 2019 - TOP 15 profitable investment options

So, let's finally look at the options and decide where you can profitably invest money so that they generate income!

Option #1: Bank deposits/savings accounts

DESCRIPTION: The easiest and most affordable investment option for everyone is ordinary bank deposits (deposits). In Russia, the annual interest rate on them is on average from 6% to 8%.

AT last years deposit rates are steadily falling and are likely to continue to fall in the future.

How to make money on the growth of stocks - an example of Google

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

For these purposes, the so-called "individual investment accounts" (IIA) are suitable, which, for example, can be opened in Finam or BCS (and even in the same Sberbank).

In addition, if you invest money for at least 3 years, you will be able to receive a personal income tax deduction (13%), i.e., in fact, you will not need to pay income taxes! Such preferential conditions were developed by the state to support and develop investment in the country.?

But of course there are many nuances that must be considered when investing in stocks. Risks are always and everywhere - you should not forget about them!

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

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

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

If you do not want to personally invest, then there is an option to entrust the money to professional managers. But I will elaborate on this below.

CONCLUSION: With proper management, shares can bring good returns, many times higher than the interest rate on bank deposits. But at the same time they are more risky assets.

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

Option #4: Bonds

DESCRIPTION: Where do you think the money is invested big banks? Mainly in bonds! Yes, they give a small income, but with a high guarantee and reliability. Especially if you take government bonds.

Along with bank deposits, bonds are considered one of the easiest investment tools. But unlike bank deposits, the rate on bonds is much higher.

For those who do not know, a bond, if in a simple way, is an IOU. Both large companies and states can act only as borrowers.

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

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

You can also consider bonds of large reliable companies - the rates on them will be higher! For example, on Sberbank bonds, the average yield is approximately 9,2%-12,2% per annum (depending on the term).

At the same time, large funds can also be invested in bonds, since the security of funds here will be higher than, for example, in bank deposits, where only 1.4 million rubles are insured.

I also note that there are bonds, the yield on which can be dozens and hundreds of percent . But such bonds have a low credit rating (for which they are called "junk bonds"). Although they are able to bring a fairly high income, they are a very risky type of investment.

Bonds, as well as shares, can be bought through an individual investment account (IIA) without the need to pay income tax (if you purchase them for a period of more than 3 years).

CONCLUSION: Bonds are suitable for those who want to earn an average yield with a relatively high guarantee.

Yield:	Risk:	Payback:	Minimum investment:
from 7% to 15% per annum (for risky ones from 30% to 100% and more)	depends on bonds (very low for government bonds)	7-12 years old	from 10 thousand rubles
(⭐️⭐️ - medium/low)	(⭐️ - low)	(⭐️⭐️ - medium/low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) Optimal profitability combined with low risks. You can sell bonds at any time without losing income.	(+	(- ) Relatively low returns compared to stocks and some other assets.	(- ) There is a risk of bankruptcy of the issuer (especially for low-rated bonds). The lower the credit rating, the less confidence in him.

Option #5: Forex

DESCRIPTION: Forex is essentially a foreign exchange market where you can buy/sell this or that currency. This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).

Example!
For example, you purchased $10,000 at the exchange rate of 57 rubles/dollar — as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles for 1 dollar, and you sold dollars.

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

On Forex, you can trade both yourself and give money to professional traders (this will be discussed in detail in the next section of the article).

When trading currencies on your own, it is very important to have trading experience from knowledge of the foreign exchange market . Climbing into the foreign exchange market just like that, in the hope of easy money, is not worth it (and when did I do that exactly?), As this usually leads to serious losses.

It is important to note that when trading personally, you need to follow a proven trading strategy, otherwise trading is likely to turn into a casino and lead to a sad result known in advance.

But on the other hand, if you observe risk (money management), manage emotions and trade exclusively according to the strategy, then you can really make good money on Forex. But this needs to be learned!

Although you can start on Forex with minimal amounts - from $ 1, you still need more or less serious investments (preferably from 100 thousand rubles), because even if you manage to increase the initial deposit by 10% per month (which is very good), the profit will not be so big.

As for me, one of the most effective trading strategies on daily bars is Price Action. There are many articles written about it on the Internet - if you are interested, read it!

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

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

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

Option #6: PAMM Accounts, PAMM Portfolios, Trust Management and Structured Products

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

That is, in this case, you trust your money to traders - those who are professionally engaged in trading in financial markets.

All that is needed is to distribute the initial investment amount into parts (preferably at least 5-10) and invest in various managers.

For example, Alpari broker, which I mentioned above, allows this. The entry threshold here is only $10.

At the same time, traders are interested in increasing your money, since only from the profit they receive a small reward for their work.

⭐️ Oh profitability!
You can get quite acceptable income here - 3-10% per month with moderate risk! But even with conservative trading, 20-30% per annum is also excellent!

PAMM accounts and PAMM portfolios for investments must be evaluated based on at least 3 parameters:

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

Here is an example of one of the most popular PAMM accounts on Alpari:

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

? More than 500,000 dollars have been invested in this PAMM account (trader), its profitability for 3 years and 8 months was 2051%.

However, it should be taken into account that despite the fact that in the past accounts/portfolios showed good returns, in the future there is a possibility that they will turn out to be unprofitable.

Therefore, I repeat, do not invest all your money in one trader! Constantly monitor the situation and get rid of accounts/portfolios that have been making losses for a long period. This is the whole secret of investing!

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

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

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

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

Here I want to tell you a few words about the so-called "structural products".

They are also intended for beginners who want to increase their money. Structured products can bring returns up to 100-200% per annum with minimal risks (the risk is strictly limited, there is capital protection - usually you risk only 10% of your investments).

The essence of structured products is that you also invest money in stock markets (more precisely, in specific stocks, futures ...), which, as experts expect, will rise or fall in the future.

It is usually possible to invest in such products from 3000 dollars and for a period from 3 months.

Here is an example of structural products on Alpari:

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

Yield:	Risk:	Payback:	Minimum investment:
from 15% to 200% per annum and more	depends on the type of strategy: conservative, moderate, aggressive	1-8 years old	from 500 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) By allocating funds to the most efficient managers/strategies, you can get a good average return. Suitable for beginners.	(+ ) The minimum amount for investment (especially in PAMM accounts) is quite low. You don't need to trade yourself.	(- ) Relatively high risks compared to bonds and bank deposits.	(- ) It is difficult to predict profitability, as there may be unprofitable periods. Managers need to be monitored periodically.

Option number 7: Own / partner business

DESCRIPTION: And this, in my opinion, is one of the most profitable ways to invest, which can bring you more than one hundred or even a thousand percent of income!

Of course, in most cases, business requires personal presence. But on the other hand, a business can automate the process or simply invest in someone else's business at the stage of development.

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

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

I myself started from scratch several times. successful business! By the way, if you turn to statistics, then among millionaires about 70-80% - These are entrepreneurs who started a business from scratch!

Note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferred option!

As Confucius said:
« Choose a job you love and you won't have to work a single day in your life!«

And how to find your favorite job / business of life - read.

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

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

Here are some more helpful tips:

1. Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not immediately invest a lot of money.
2. Choose niches with minimal competition - they are easier to start in.
3. If you have a small initial capital, then it may be worth trying a business in the service sector.

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

Examples!
It is easy to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). I just started with this!?

By the way, now goods from China are very popular, where the margin can reach up to 500-3000%. Including such goods are successfully sold through the Internet (one-pagers).

Another area where large investments are not required and it is not so difficult to start is a wholesale business via the Internet.

While both in the case of wholesale and retail sales, the goods do not have to be in stock - you can work according to the dropshipping scheme. The main thing is to find customers (you can do this for free on bulletin boards).

In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the customer. He sells his goods and has income from this, and you get your margin on the sale.

Read more about how to organize in a separate article!

CONCLUSION: Business is able to bring very high profitability with minimal investment. In addition, business can be turned into a favorite thing that is interesting and wants to do!

Yield:	Risk:	Payback:	Minimum investment:
from 30% to 1000% per annum and more	High risk initially	from several months to 1-5 years	from 10,000 rubles (you can even start from scratch)
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low/medium)
➕ Pros and ➖ Cons:
(+ ) One of the highest yields among all investment instruments.	(+ ) It is easier for businesses to find partners and/or co-investors. You can start without large investments, the main thing in business is an idea!	(- ) High initial risks. 7-8 out of 10 start-up businesses close within 2-3 years. Low liquidity - it is difficult to quickly sell a business.	(- ) You need to understand the business and understand how it works, even if you invest in a "foreign" business. You need to constantly learn.

Option #8: Mutual Funds

DESCRIPTION: Mutual investment funds can also be attributed to trust management, which we have already talked about a little.

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

Absolutely anyone can become a contributor, for this you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, shareholders make a profit or loss.

It should be noted that the activities of mutual funds are regulated at the state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.

Mutual funds usually give a low return (usually from 15 to 30% per year), with little risk. Here is an example of the yield of some mutual funds for 11 months:

Return on mutual funds for 11 months

However, mutual funds do not give guaranteed profits, unlike bonds and deposits - there are also often unprofitable periods.

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

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

If this type of investment is right for you, then it makes sense to choose not one mutual fund, but several to distribute possible risks.

And make it a rule before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on the forums. With this simple action, you will protect yourself from unreliable and fraudulent organizations.

CONCLUSION: Mutual funds can be considered as an alternative to brokers who also invest money mainly in the stock market. In the absence of a crisis, they usually also bring good returns.

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

Option #9: Microfinance Institutions (MFIs)

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

The minimum amount required to invest in MFIs must be at least 1.5 million rubles (according to the law).

The longer the term of the investment, the higher the interest rate. The minimum term in MFIs, as a rule, is 3 months.

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

If you still decide to invest in an MFI, then be sure to choose a trusted company that has been operating on the market for more than one year.

⭐️ Good advice!
Look primarily at the "age" of the MFI, and not at the interest rate that you are promised.

After all, it is better to invest in a reliable organization at a slightly lower percentage than in a newly appeared MFI with a high percentage.

Additionally, it will not be superfluous to look at reviews and read articles on well-known information portals (for example, RBC) about a particular MFI.

If you want to know my opinion, then in my opinion, if you have investments from 1.5 million rubles, then it is more profitable and safer to invest in real estate than in MFIs! ?

And besides, I myself do not take loans / loans (especially consumer loans) and do not advise others!?

CONCLUSION: MFOs as a whole give 1.5-2 times more profitability than bank deposits. But there are corresponding risks as well. Yes, and the threshold of entry, to put it mildly, is rather big.

Yield:	Risk:	Payback:	Minimum investment:
from 10% to 30% per annum	moderate	3-9 years old	from 1 million rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium/low)	(⭐️ - high)
➕ Pros and ➖ Cons:
(+ ) High rate relative to bank deposits.	(+ ) Passivity of income. Minimal participation on your part.	(- ) Very high entry threshold. According to the law, MFIs are allowed to attract from individuals from 1.5 million rubles.	(- ) Increased risk, since there is no deposit insurance - in case of bankruptcy, no one will return the money. There is fraud.

Option #10: Precious Metals

DESCRIPTION: Another well-known type of investment is investing in precious metals, in particular gold. At the same time, such investments are highly reliable!

Investing in gold and other precious metals is especially important to invest during a crisis, since it is there that money migrates from the stock market.

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

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

Gold prices - chart

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

The total return for the five years was 50% (on average, gold rose by 10% per year) and this profitability was due to serious depreciation of the ruble.

However, if you look at the dynamics of gold against the dollar, you can see that gold has fallen significantly in price since 2012 and is currently in a sideways trend.

CONCLUSION: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term in order to save.

Yield:	Risk:	Payback:	Minimum investment:
from 3% to 15% per annum (in a crisis, the yield is higher)	Minimum	7-20 years old	from 1000 rubles
(⭐️ - low)	(⭐️ - low)	(⭐️ - low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) High reliability of investments. There is practically no risk of depreciation of gold. Easy to buy/sell at any time.	(+ ) Precious metals (especially gold) are a "safe haven". Investments in them are suitable for saving funds during a crisis.	(- ) Low profitability during the period of growth and development of economies. Income tax 13% on the sale of gold if the holding period is less than 3 years.	(- ) Relatively high commissions of banks/brokers when buying/selling precious metals, incl. gold.

Option #11: Cryptocurrencies (Bitcoin)

DESCRIPTION: Bitcoin has more than doubled in recent years and is apparently not going to stop. Already there are new millionaires who got rich solely on investments in bitcoin.

Of course, the best time to invest was a few years ago when bitcoin was worth about 150-200 dollars.

Some experts say that in the future, bitcoin could be worth hundreds of thousands of dollars and even possibly reach $1 million.

Others argue that bitcoin is about to crash. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that bitcoin and other cryptocurrencies will probably grow in price.

Especially while cryptocurrencies show a steady growing trend.

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

For example, bitcoin in just a day can rise or fall by 10-25% - It's quite common here. And in a year, you can both increase your investments by 3-10 times, and lose almost everything!

CONCLUSION: On the one hand, cryptocurrencies are too risky an instrument, and on the other hand, in case of growth, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for himself, one thing is clear - definitely you should not invest all your money in them!

Yield:	Risk:	Payback:	Minimum investment:
from 20% to 1,000% per annum	elevated	from 3 months to 1-5 years	from 100 rubles
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) In the case of the growth of cryptocurrencies, it is possible to multiply the invested funds in a short time.	(+ ) As a rule, there is no inflation due to the limited amount of issued cryptocurrency.	(- ) Very high volatility of cryptocurrencies, in a matter of days they can both grow in price and seriously collapse. Low predictability.	(- ) Cryptocurrencies are not backed by anything, as this is another bubble. The complete absence of guarantees - in case of loss of money, no one will return them.

Option number 12: Internet projects (online business)

DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing an opportunity for each of us to earn money in this global network.

It is important to note that large investments are not always required to promote a particular project on the Internet. Some of the projects can be started with minimal investment or even from scratch.

At the moment, the following directions are popular:

1. Sites. Information sites are created and filled with unique content.

With minimal investment, it is possible to receive high profitability through advertising. Usually the site starts to bring the first income in 4-6 months.

With 1000 visitors per day, depending on the subject, you can earn approximately 200-3000 rubles in a day. The spread is very large, since it depends on the subject of the site what income you will receive.

Making money on websites is suitable even for beginners, since you can write articles yourself, and not order them on copywriting exchanges.

But still, in the beginning it will be necessary to delve into the essence and understand the key details of such a business.

2. Social publics. Surely, almost every one of us is subscribed to some kind of community in social networks (VKontakte, Facebook, classmates ...).

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

Publics with relatively small investments pay off very quickly. Although now the competition in publics is high, but if you choose the right topic for the public, post high-quality and interesting content and develop the public, then you won’t have to wait long for success!

3. CPA affiliate programs / traffic arbitrage. Their essence is that some business owners are willing to pay a certain percentage of the sale of their goods / services.

For example, if a person who clicked on your affiliate link opens a current account in a particular bank, then you can earn 2-3 thousand rubles

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

But in this case, the main role is played by experience, without it, nowhere!

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

For example, projects that are engaged in the exchange of electronic money(in fact they are called exchangers).

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

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

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

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

❗️ For example, applications for the sale of air tickets are quite popular, here you can get quite decent affiliate commissions from airlines.

Even if you don’t know anything about how to create applications, you can create them for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.

Here, as elsewhere, it is the idea that plays the key role - the success or failure of the application depends on it.

6. Hype. HYIPs - in reality, they are a financial pyramid that lives off the funds invested in it.

Such HYIPs offer very high interest rates ( 1-5% per day) on the invested funds, but of course they can only function for a few days or weeks, after which they disappear without a trace.

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

In any case, invest in such HYIPs very risky , because the creators of these HYIPs and a small group of investors mainly earn money - who managed to withdraw money with a profit until the moment when the HYIP turned into a "scam" (stopped paying out money).

And yet, I strongly advise you not to invest in HYIPs, especially if you are not particularly versed in this.

CONCLUSION: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can give high returns with a minimum investment.

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

Option #13: Venture funds/investments

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

The essence of venture funds is that they invest money exclusively in projects that are at the development stage (startup) or even at the idea stage.

A distinctive feature of venture investments is very, very high profitability, they can bring thousands of percent!

But on the other hand, only 1-2 out of 10 projects shoot and bring huge profits. But despite this, they usually more than pay off all investments in "unsuccessful" projects.

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

Over the past 2 years, Apple shares have risen by about 5000 times! So if you were to invest in the early stages of a business 100 000 rubles, in 2 years your fortune would be already 500 million rubles .

You can invest in projects in startups mainly in several ways:

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

CONCLUSION: Yet venture capital investment is underdeveloped in Russia. Yes, and often a large start-up capital is required, and among crowdinvesting platforms (where the entry threshold is not high) there are often scammers. Meanwhile, venture investments can bring very high returns!

Yield:	Risk:	Payback:	Minimum investment:
from 40% to 3000% per annum	elevated	from several months to 1-3 years	from 10,000 - 100,000 rubles (in venture funds - from 500,000 dollars)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest possible profitability.	(+ ) Large funds are not always required to invest at the start of a project.	(- ) Very high risks, most start-up projects turn out to be unprofitable.	(- ) Fraud is widely developed - investment sites may turn out to be financial pyramids.

Option number 14: Art objects

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

It's no secret that certain works of art can cost hundreds and even millions of dollars. And if you really understand art, then you can earn hundreds of percent of profit on investments.

❗️ The only important feature in this case is that such investments often require big investments . And besides, in order to get a good return, you need to invest for a long period ( decades ).

Like investing in precious metals, investing in art is not subject to inflation and will only cost more over time.

And the crisis practically does not affect the value of art objects.

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

Yield:	Risk:	Payback:	Minimum investment:
from 20% to 100% per annum and more	minimum	usually 1 to 3-5 years	from 100 000 rubles and more
(⭐️⭐️ - medium/high)	(⭐️ - low)	(⭐️⭐️ - medium)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) You can get a relatively high return with minimal risk.	(+ ) High reliability. Over time, art objects only grow in value.	(- ) Often, investments in art require a large initial capital and involve long-term investment.	(- ) You need to be a specialist, have specific knowledge and experience.

Option #15: Knowledge and personal development

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

It must be understood that the first knowledge/experience, not money allows you to earn and multiply your own.

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

In addition, often in order to learn something, no investments are required at all - the main thing is that there is a desire, and everything else will follow!?

If you have free funds, then it makes even more sense to invest some of them in your development: attend trainings, webinars and seminars.

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

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

CONCLUSION: Therefore, if you still do not know where to invest your money, then the most win-win option is to invest it in yourself (at least some of it). And do not forget that even an unsuccessful experience is also an extremely valuable experience! ?

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

3. Golden rules for proper investment - TOP 5 tips

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

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

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

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

Second- try to invest most of the funds (40-60%) in assets with the least risk, the best choice between profitability and risk, as for me, is real estate.

And remember that risk is what you need to think about first! Moreover, if you do not have experience and knowledge, then poking around yourself and investing all your money in high-risk instruments: Forex, stocks, bitcoins… hoping that you will quickly multiply them is by no means worth it.

Believe me, this is a tried and tested path, on which hundreds of millions of rubles have been lost!

It will allow you to survive unfavorable times and find other sources of income.

Fourth- create passive income so that you can receive money even when you are not working.

Fifth- Before investing your earned money in any particular organization, read reviews and comments about it on the forums. Make sure it's a real company and not a scam.

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

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

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

In this section of the article, I will tell you where, from my own experience, I would invest money, having this or that amount of investment available!

I will not consider very risky investment options in these examples. Consider only conservative and moderate-risk investments.

- Where to invest 100,000 - 200,000 rubles?

100 - 200 thousand rubles is not such a large amount, so I would most likely invest in starting my own business or in the business of my friends. And I would allocate 10-20 thousand for attending trainings and seminars.

As an option, if you do not want to invest in a business, you can consider bonds. In extreme cases, you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.

If the risk allows, you can try to invest in the structured products of brokers (trust management). Their risk is usually limited to 10-15% of the investment amount, and you can earn more than with bonds.

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

Also a relatively small amount by the standards of investment. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.

If there is an option within this amount to purchase the property during the construction phase, you can invest in it.

- Where to invest a million rubles?

Having 1,000,000 rubles on hand, you can already try to invest in almost any of the tools described in this article.

For 1 million rubles. it is already quite realistic to purchase a rough apartment and an apartment at the stage of excavation.

Or alternatively:

• You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust management, PAMM accounts / portfolios, or invest in mutual funds.
• But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also desirable to divide the amount into 3-5 parts), gold, art objects ...
• I would still invest a small amount of 30,000 - 50,000 in cryptocurrency, in case it seriously rises in price in the next couple of years.
• For the remaining amount, you can try to open a business (including on the Internet).

5. Where better not to invest in order not to burn out - important tips on how to avoid fraud

At the end of the article, let's talk about no less important: how not to lose your money and how not to fall for scammers.

The world is full of people who invent various schemes to steal money through fraud. Especially in our time, fraud thrives abundantly on the Internet (and not only!).

Therefore, before investing money somewhere, it is worth checking 10 times to see if you end up with a nose.

Both on the Internet and in real life, people often come across "super profitable" projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, fast payouts, very favorable conditions, etc. - all if only people would invest their money.

Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Fraudsters love to cash in on other people's greed!

Money does not come from nowhere, if someone receives money, then someone will definitely part with it!

The most common type of fraud is financial pyramids (remember at least Mavrodi and his MMM). Visually, any plausible story can be created, as if the project really functions (provides any services), but in reality the organizers this project only earn on the investments of gullible people.

Sometimes the “history” of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.

HYIPs(which we talked about earlier) are essentially also built on the basis of a financial pyramid and they can also be attributed to a fraudulent scheme (although it is also possible to earn money on them, but experience is required). Also here you can add various casinos and other ways where they promise "easy" money.

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

I will also single out another type of widespread fraud on the Internet - this is the sale of various courses, programs…which, according to promises, can bring you incredible income in a matter of hours (days). Having bought them, you will throw away your money to the wind (tested on your own skin?).

So, invest in what you are good at! Otherwise, you will be profited by those who are well versed in what you do not understand! This is my unfortunate experience.?

If you are not yet particularly versed in a particular investment object, then invest time and money (they are not even necessary) first of all into your knowledge ! It will be your best investment!

6. Conclusion

Well, here you have learned about all the most popular and profitable directions investing money.

Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!

I hope my experience for some of you turned out to be at least a little valuable and you have already decided where to invest your money! ?

Let me reiterate that, in my experience, the most profitable investment is an investment own business / business and knowledge !

❓❓❓
What do you think is the best place to invest your money? Feel free to share your opinion in the comments!

Thank you for reading the article to the end! I wish you successful and profitable investments! ???

P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. ? Thanks in advance!

Alexander Kaptsov

Reading time: 7 minutes

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In the context of the ongoing economic crisis in Russia, many people want, in addition to their main income, to have additional passive income. Its advantage is one important detail- You won't have to put in much effort to get it.

In addition, a properly organized method of obtaining passive income can very soon lead to real financial independence.

Renting out real estate is the most popular passive business in Russia

Perhaps the most popular and easiest way to generate passive income is now renting out property.

There are two ways to turn this idea into reality - to rent an already available apartment, or to buy a property specifically for rent..

What is the profit from such activities?

Of course, from where the housing is located, from the living conditions and the level of service provided:

• Renting housing in residential areas of the city can bring low earnings, but it is quite stable.
• For an apartment located in the center, you can set the price higher.
• Even more profitable will be the purchase and rental of real estate abroad.

Necessary costs

• However, this type of passive income cannot do without certain financial investments, and the cost of your precious time. To find tenants, it's a good idea to advertise in newspapers and on the Internet.
• Plus, you will have to constantly monitor responses and answer countless phone calls.
• Also, all potential tenants will need to arrange a preliminary showing of housing.
• In addition, when renting an apartment by the day, the owner will have to clean their square meters, wash and iron linen after each tenant. But all these actions also require certain costs.

In any case, despite some expenses, renting out vacant housing can be a great source of passive income.

Bank deposit - who really earns on interest from bank deposits?

Another common way to increase capital is a bank deposit. You can put any amount at interest, however, the higher the size of the investment, the greater the earnings.

When choosing a bank, it is advisable to compare the conditions of each and choose the most optimal option.

It is better to give preference to a proven credit institution that has extensive experience and a reputation that has been tested by time and customers. This will help you avoid problems in case of bankruptcy.

Additionally, to minimize risks, it is recommended insure your savings. Thanks to this, in the event of any force majeure situation, you can receive a guaranteed payment from the insurance company and return most of the invested funds.

Accrued interest in different banks can vary significantly, and this is also worth paying attention to before.

The table shows the maximum interest rates for the largest Russian banks for January 2017.

Thus, if we discard the possible risks, the following conclusion suggests itself - bank deposits are a fairly safe and convenient way to receive passive income.

Investments in shares, mutual funds

The most risky, but also potentially the most profitable is investing in shares and.

• Buying shares . One of the most popular methods of generating passive income. The advantage is that if the company is doing well, dividends will increase significantly. But there is also the other side of the coin - when choosing a dysfunctional organization, you can easily lose all the money invested.
• Mutual investment funds (UIFs) . Such funds are formed at the expense of investments of a group of contributors, where each of them becomes the owner of a certain part of the fund (share). It is recommended to use the services of not too large mutual funds, as this significantly reduces the risk of losing invested funds.

Passive earnings through investments can be quite high, but it is always advisable to remember the significant disadvantage of such an investment, namely, the high risks of losing money.

Starting your own business

The next common way to organize passive income is to open your own business.

This idea has many advantages. So, if you create a competent business strategy and at the same time form a staff of qualified personnel, then you can generally move away from control over affairs and simultaneously engage in additional profitable projects.

The downside is that to open your own business, you need not only a certain amount of knowledge, but also start-up capital.

One of the most affordable methods of creating passive income is to work in. Typically, such companies do not require an investment of funds, and if they do, the amount of the initial contribution does not exceed $100.

However, this method of obtaining additional income requires some effort from the investor. Here you can not do without direct sales of goods or services, as well as attracting new employees to form a cohesive team. This is due to the fact that the level of income directly depends on the volume products sold and the number of employees involved.

When choosing a network company, it is very important not to fall into a banal financial pyramid. Therefore, before applying for a job, it is important to clearly study their difference from each other.

Creation of a competitive intellectual product

If you have any talent, for example, the ability to write poetry or music, you can create your own intellectual product. In this case, the receipt of passive income will depend on the replication of finished products.

When creating an unusual invention, the subject of your work can be patented, and then receive interest from its use by other people .

Creating a competitive intellectual product can generate a very large income if it becomes popular enough. However, there are some nuances that complicate the implementation of such an idea. This is the presence of a certain talent that not everyone has.

Development of your own blog, group in social networks

With development social networks A very popular way to get passive income has become the creation of your own blog or other Internet project. Such resources can cover any topic, including news, cooking recipes, sale of children's goods and the like.

When or blog on their pages, you can place paid advertising. Even moderately promoted projects can have quite good income.

On your resource on the Internet, you can earn in a variety of ways.

• Sell links.
• Place contextual advertisements.
• Place texts on a given topic from customer companies.
• Sell places for graphic images of an advertising nature.

The advantage of such an idea is that such projects are successfully created from scratch without initial capital. To open them, you just need to be good at a computer.

To earn approximately $1,000, the owner of a project would have to promote your project every day for 1-5 years and constantly invest in it more and more money.

Perhaps this is the only drawback.

Types of passive income - those in which the presence of stable financial income does not depend on daily work activities. Any of us have heard of people living off such income - those who do not have to go to work. They are called "rentiers", that is, living at the expense of rent.

Rent is the income that the owner receives from fixed capital placed in real estate, deposits, securities, etc. "From the same opera" - sources of passive income associated with copyright. By the way, the last option is not ordered to anyone these days. Everything is simple here: having created something once and fixing the copyright for your own brainchild, you will have such deductions for each next sale.

If you are a professional (no matter what area) - you have a real opportunity to monetize your own knowledge. Just record the training course on video or audio and release it to the market.

Why are we not a rentier

Today we will consider options for passive income and its possible sources. Its huge advantage is in freeing up personal time that can be spent on your favorite activities, family, vacation, household chores, or somewhere else. Anyone who works hard all day at work is almost completely deprived of such a wonderful opportunity.

Managing personal time at your own discretion does not mean spending your life in entertainment establishments, or lying on a warm beach - many people would be happy to do charity work, help the sick and homeless, or create works of art. To start making all these dreams come true, you need the most stable passive income.

Everyone has heard the expression "money to money". What does it mean? Nowadays, a situation is not uncommon when, having a generally good salary, a person "eats" it completely, buys things on credit and borrows money from relatives and friends from payday to payday. This goes on for years and decades.

But why is this happening? It seems that the main problem of such people is that the idea of ​​passive income does not even occur to them. They are not able to engage in the creation of an asset that will continue to work for their well-being. Everything that they earn, these people immediately spend, and thus deprive themselves of the only chance to ever escape from the captivity of financial slavery.

Do you recognize yourself?

Some of these consumers can be classified as "financial zombies". These are those whose asset has long been a negative value. That is, their expenses are greater than their income. Debts accompany them throughout their lives. Having given one loan, they immediately take the next one and so on.

Another category is a little more prosperous (but this does not make it any easier) - it tries to somehow correlate its expenses with the amount of earnings. They sometimes have a set of necessary goods - housing, a car, etc. Most of this was purchased on credit, which puts the owners in a dangerous and unstable position. After all, if any unforeseen financial circumstance happens, their well-being will crumble like a house of cards.

There is progress...

In contrast to the above categories, there are those whose asset can be considered positive. That is, their income is higher than their expenses. Most ordinary citizens from this group prefer not to have debts or minimize them and even have some savings, but such saved finances do not play a fundamental role, since they accumulate extremely slowly and are located either under the mattress, or (at best) on the passbook.

The most advanced of fellow citizens are those who are haunted by the idea of ​​passive income. Such people try to seize every opportunity to invest free funds and create their own additional financial source.

Let's go to the authorities

Many people know such a name as Robert Kiyosaki. This investor and businessman has written a number of popular books on the basics of financial literacy, which will not be superfluous for anyone to read. For example, one of the interesting and the most effective advice given author is as follows: the mistake of almost every one of us is that, having earned a certain amount, we try to distribute these funds to anyone, but not to ourselves. We pay rent and utilities, but we keep nothing for ourselves. You should start just with yourself by creating your own monetary asset. Subsequently, it will become the basis for investing in a business or other source of permanent income.

Another "pro" in financial matters by the name of Rockefeller, he once uttered a phrase that a person who works full time has absolutely no time to earn money. For all the paradoxical nature of this saying, its wisdom lies on the surface - indeed, working in the office or in production, each of us is able to earn for himself personally only on current expenses to sustain daily existence. For actions leading to wealth and well-being, there is neither strength nor free time left.

The conclusion is this: the main resource is time, which is well known to any of the wealthy people. The idea of ​​passive income is based on the correct distribution of this invaluable asset. And only having achieved this, you can start moving towards financial success. Everyone knows that all those who have achieved wealth initially had a specific list of goals. Well, the third, most important component for creating passive income is active, purposeful work over a number of months or even years.

The result should be a legitimate opportunity to quit a job you hate and start living on the dividends.

Passive income: examples and options

Now let's talk about the ways in which passive income is created. All its sources can be attributed to four varieties - investment (or financial), intellectual, marketing or legal (that is, one that is required by law). Passive income in Russia is no different from that in any other country in the world.

We will receive passive income of a financial or investment nature if we invest in a certain financial instrument, which will bring us a certain percentage of profit. Sources of such investment may be in the form of real estate, securities, bank deposits, our own business (if acquired) or equipment owned by us that can be rented out.

The second of the listed options, called intellectual, arises, as mentioned above, through the creation and implementation of any product of mental labor. The information business that is widespread today on the Internet is based on this principle. Many professionals in various fields develop and design their own training courses, then release them for sale an unlimited number of times.

"Partnerships" - an interesting topic

In the same way, it is possible to buy rights to resell a similar product, which can bring no less income. This type of income is called affiliate marketing. Other sources related to this item may be royalties, patents for perfect inventions or developed technologies.

Making money on affiliate programs is an excellent way out for those who do not hope too much to create their own intellectual product - because this saves time and mental resources. You just need to join such a program or acquire the right to resell (resale) the selected book, video or audio course.

Other income without investments

Marketing passive income is one in which you organize your own marketing system or several of them. An example of such a structure could be your own website on the Internet or a personal brand, the right to use which you can also sell. A combination of several of the above strategies is also possible.

What is meant by the concept of a personal brand? This is a commercial use of a famous name. An example is shooting in commercials for movie, television and sports stars. Becoming the "face" of a particular trademark they get good money.

The fourth variety - the legal income of a passive nature - includes all cases when people, in addition to a certain (sometimes not too high) remuneration for their work, receive certain bonuses from the state. This may be, for example, an early retirement with a guaranteed receipt, which is typical for the military, etc.

Going online

Creation of a website for making money on the Internet (or a blog). These days it doesn't require a large number difficult technical knowledge and skills. You can make an acceptable site with your own hands by mastering the minimum information that can be easily and free of charge found on the Web. There are many step-by-step instructions and video courses.

Of course, your own blog or website will bring you a monetary return far from immediately. It will take at least six months, and most likely a year or two, to promote it and bring it to an acceptable level. All this time you have to work on your own project on a regular basis, optimize it and bring it to perfection. This work will take several hours daily. However, you can count on the first small revenues in a few months from the start.

Having created and promoted a site, you can sell it, and for a very good amount. It is quite possible for a person who has mastered this technology to organize own business for the "production" and further sale of profitable Internet pages.

How do they earn money? The most popular methods include generating income by placing contextual advertising blocks and similar articles on resource pages, of course, not for free. Affiliate links are placed on the sites and advertising space is sold, they also actively offer training courses to buyers, both their own and partners.

In a word, there are a lot of ways to use such a valuable resource as a blog or website on the Internet, and there is always the opportunity to choose something that is right for you.

For those who are not deprived of intelligence

Creating a product that has the status of intellectual (such as books, educational videos, new technologies, etc.) implies the presence of a certain talent, as well as a high level of professionalism in any of the areas.

If you are an inventor or developer of an industrial design that has become fundamentally new, then your products of labor can be safely attributed to intangible assets. This term refers to those derivatives of our intellect that generate income in the absence of a material form. Examples are trademarks, brands, or patented inventions.

Let's get down to earth

Income from renting an apartment (or other real estate - if available) is a well-known and very common option. But there are others like it: it is possible to "lease" not only buildings or retail space, but also equipment related to a variety of industries - trade, construction or manufacturing.

Yes, and other expensive items (for example, vehicles) will bring you good dividends. Sometimes it is more profitable to dispose of equipment than real estate. In particular, by purchasing tools and equipment for construction, you really organize a good and quite profitable business based on their rental. The payback of such activities is very high and in time it significantly exceeds the similar indicator for rented real estate.

Do you want to become a shareholder?

Investing in securities (or other financial instruments, which include a huge number of banks, PAMM accounts, mutual funds) is a widely accepted practice these days. Such activity is considered one of the varieties of business.

Replenishing the number of professional investors is not an easy task. This activity is quite complex and requires a competent approach, as well as a fairly serious training. Possession of financial instruments is impossible without a more or less acceptable education in this area, the ability to compare various information flows, take into account risks and predict the situation.

Investments in securities have certain advantages compared to, for example, bank deposits, in the form of a higher rate of return, but at the same time, the high risk of losing invested funds sometimes crosses out all the advantages. When you decide to dive into the world of stocks, mutual funds and PAMM accounts, remember that with the exception of long-term bonds stable income it is not so easy to achieve here, and the risk of incurring significant losses is always quite high.

Everything can be sold!

A relatively simple and, perhaps, generally available option for creating a source of passive income is considered to be participation in network marketing. The amount of initial investment, if any, is not too large and rarely exceeds a hundred dollars.

A necessary condition for those who are trying to succeed in this field is sociability, readiness for contact with large quantity of people. In the future, these people - your team - are able to bring money without your participation by organizing their own network, a percentage of the income from which you will receive.

Do you need a lot of money?

The classic and perhaps the best way was and remains the creation of your own business. If this action takes place in virtual reality, that is, on the Internet, global financial investments at the initial stage, as a rule, are not required. That is, such an option is available to people with very limited material resources.

Even earnings without investments are quite real, or you can earn money on the accumulation of a small initial capital right here, on the Internet.

There are a huge number of options for starting and promoting your own business, both online and in real reality itself. In "life", of course, this requires large expenditures and overcoming many difficulties of an organizational and legal nature. In addition, the competition here is very, very high. But still, looking around carefully, you can look after your own niche, not yet occupied by rivals.

What's in real life?

For example, a very promising business with passive income in our time is the purchase and placement of vending machines in large hypermarkets and other crowded places. for various purposes- from payment terminals to units selling coffee and pies. Such a business is called vending. A person purchases and installs machines at his own expense, which then bring him a constant and stable income.

In a small article, we do not have the opportunity to consider all types of passive income - there are very, very many of them. Options for it offer us with you today means mass media, and the Internet has been and remains their indispensable source. We want to end our material with important tips.

A few parting words

1. At all costs, try to regularly carve out the time left from the main work, which you will spend on creating your future asset. Think constantly about how you can best use it. Your goal is to ensure that earnings from your main place of work do not remain the only source of money for you. You must find sources of passive income that allow you to make a profit more than once or twice.
2. Do not limit yourself to creating a single such source. There can and should be several options for passive income, and the more, the better. After all, there is always a risk of losing one or most of them. In this case, losses will be compensated through parallel channels. You can see the importance of this postulate by reading about multiple sources of income by Robert Allen.
3. Don't forget self-education. Knowledge is an asset that won't hurt anyone. To understand the world of finance, to understand how money is made, where it comes from and where it goes, is no less important than to invent interesting idea for investment or to be lucky enough to be in the right place on time.

The principles of creating passive income do not carry any special secrets. If you are determined to succeed, you have necessary minimum knowledge and a certain amount of free time, the result is very likely to please you sooner or later.