With a certain amount of capital, it is not at all necessary to open your own business in order to have income. It is enough to find the right niche and invest in someone else's business or choose the right deposit to invest.
It is possible to single out how many popular areas for managing savings. The most popular: opening a deposit, mutual fund (mutual investment fund), investing in construction, investing in a business, opening your own business.
Bank deposits
Opening a deposit is the most common way to invest your own savings in Russia. Simple and affordable opening of a deposit does not require any special knowledge. You just need to come to the bank, draw up an agreement and put your money on the current account.
Conditions differ from bank to bank, and there are many types of deposits within one financial enterprise. Everyone can choose the deposit that suits him best. As a rule, the interest rate is higher if the deposit is long-term.
Also, all large banks participate in the state deposit insurance program, so the depositor is insured for the amount of the deposit, but not more than 700 thousand rubles.
The main components of a bank deposit:
- interest rate (in different banks it ranges from 2% to 11% per annum);
- term of the deposit (from one month to several years);
- deposit currency (rubles, dollars, euros);
- the minimum amount of the initial payment (as a rule, from 10 thousand rubles);
- accrual of interest (monthly, annual, by the end of the term of the deposit);
- the possibility of additional deposit of money;
- the possibility of partial withdrawal of money (with or without saving the accrued interest).
The main disadvantage of this type of investment is a very low profitability. It is rather not an investment tool, but savings from inflation. In addition, in case of early termination of the contract, all accrued interest is lost or a minimum interest is paid.
Buying real estate and investing in construction
If there are large enough savings, then you can consider investing them in real estate. That is, when buying real estate, you can receive a stable passive income from renting it out. In addition, real estate prices are growing every year, so after a while you can sell it profitably.
As a rule, real estate is understood only as a dwelling. But this is not the case. Real estate also includes offices, warehouses, not only in Russia, but also abroad. In addition, when buying a dwelling there, you can regularly relax there on vacation, and rent it out the rest of the time.
The advantage of this type of investment is a reliable regular income. The disadvantage is the high entry threshold, not everyone has large savings available. In addition, the income received can fluctuate and depends on many factors.
Investments in construction will be profitable if you find a reliable and conscientious developer. You can grow both residential and commercial real estate. From any completed object, you can profit from the lease of space or from direct sales.
Deposits in mutual funds (mutual funds)
Mutual investment funds (PIFs) are formed from the money of investors, shares are bought at their expense. In this case, the management company of the mutual fund manages the money. To become a member of the fund, you do not need to have a large amount of money, the minimum amount to enter is from 1000 rubles.
The depositor's profit depends entirely on the professionalism of brokers and their financial transactions. There is no guarantee of making a profit.
You can trust a fund that will bring high returns, but the risk of losing your investment is very high. Or you can trust a fund that brings at least a small but constant income. A more rational solution is the division of funds between different mutual funds.
According to statistics, in the best case, you can multiply the invested money by 1.5 times, that is, the profit can be 50% per annum.
Investments in securities
Investing in securities is one of the most profitable ways to increase capital. There are two types - classic brokerage and online trading.
In classic brokerage, the conversation is about large amounts - from 350 thousand rubles. The broker only advises to buy or sell certain shares, but the final decision is made by the trader. The broker takes a percentage of the profits for his work.
When online trading, you do not need to pay a percentage to a broker for advice, since the participant independently makes all decisions.
You can analyze the situation on the market using special programs that help monitor changes in stock prices.
It is not easy to play on the stock market, to make money, you need not only to be a professional in this business, but also to be a successful person.
Any of the investment options, except for opening a deposit, will require communication skills, attentiveness and a certain amount of work. There is no big income that does not need attention and accuracy. If you want to effectively manage your savings, increase the amount of knowledge in the chosen area and multiply your funds.
