Passive income is what many people dream about, regardless of age, place of residence, and other factors. One of the most famous and reliable ways to get passive income is deposits, but not everyone knows what needs to be done to make such a dream come true.
We are often asked the question of where to invest in 2019 in order to make money, so we have prepared a material for you with a detailed consideration of various investment options.
5 options where to invest money is profitable
There are many options for investing money, but we have compiled the TOP 5 most profitable. When compiling this list, we tried to correlate both profitability and risks, so you will not see ways of earning in it that involve high risks.
Let's start looking at investment options from the less profitable way out of 5.
5. Mutual funds - monthly income
Recommended investments: from 15,000 rubles.
Risk: middle.
Profitability: low.
Often, when asked where to invest money in order to receive a monthly income, people receive an answer about the option associated with mutual investment funds (UIFs). This name covers a special property complex that has no legal entity.
Each unit investment fund is based on the principle of trust management of the fund's property. Thus, it is possible to achieve an increase in the value of this property, which means the emergence of profit for each investor (in such a system, they are called "shareholders"). The number of shares depends on the amount of investments, the ratio of which to the total amount determines the amount of profit (you invest more, get more).
It is worth explaining that an investment share is a special security that certifies the right of the owner of this security to a certain part of the property fund to which it belongs. More information about this security can be found in the rules of a particular fund.
To redeem shares at the current value means exchanging securities for money, and the amount of the amount will fully depend on the percentage to which you are entitled, it is indicated in the share.
Note that each share grants a certain amount of rights regardless of investors, and the rights of each owner are recorded with the help of an independent organization that maintains a register of investment share holders.
Yes, this investment option can be considered in some situations, but the amount of income that it brings, according to past data, is not so great, and the risks of investing in mutual funds are relatively high (they cannot be called great, but there is a chance of a collapse in the market, and this will lead to significant losses of shareholders).
4. Bank deposit with interest
Recommended investments: from 100,000 rubles.
Risk: minimum.
Profitability: low.
If you are wondering where to invest money at interest in order to have a stable income throughout 2019, then one of the most acceptable options would be a bank deposit.
Let's consider the essence of this option: a depositor (a person who wants to open a bank deposit) transfers a certain amount of money to a credit institution, which conducts certain financial transactions with them leading to a profit. Thus, the bank can provide profit for itself and the depositor.
It is worth discussing such a moment as the interest rate. The depositor will receive a fixed amount of profit, regardless of the success of the financial transactions that were carried out with your money. If the contribution provides for 10% per annum, then, as you might guess, from 100,000 rubles of the contribution, a person will receive 10,000 profits. Yes, the annual percentage for this option is relatively small, but it should be understood that there are practically no risks in this method of investing money.
The only risk that a person who has made a bank deposit has is a certain chance of the bank losing its license or ruining it. Fortunately, such situations can be easily avoided if you adhere to one simple rule - contact only well-known and reliable banks.
Note! The above example does not reflect the whole essence of the contributions, because there are other options. Carefully study the conditions, because the interest can be calculated not once a year, but 4 times, or even every month. Of course, in such situations, the interest will be much lower, if you are not sure that you can do without this money for a year, it is worth considering such options.
3. Securities, precious metals
Recommended investments: from 30,000 rubles.
Risk: minimum.
Profitability: below average.
You can endlessly choose the place where it is better to invest for a beginner investor, but it will not work to come to a specific conclusion, since there are a large number of points of view, many of which contradict each other. Let's look at the two main options that are in third place - securities and precious metals, and draw conclusions.
As for securities, they are of various types:
- basic (stocks, bonds, bills and much more);
- derivatives (options, swaps, etc.).
Note that for competent investments of this type, it is necessary to study a lot of information regarding this issue and be aware of the current market situation. Thoughtless investments in securities are unlikely to lead to at least some profit, so the second option is worth considering.
As for precious metals, such investments are much easier, since everyone understands their essence. The most common option is to simply buy one of the metals on the following list:
- platinum;
- gold;
- palladium;
- silver.
This option does not always make a profit (this requires a large jump in price), because the sale price always differs significantly from the purchase price. The most interesting way to invest in precious metals is to purchase precious coins, which have an additional reason for the rise in value.
We are talking about the eagerness of collectors to acquire them, because the circulation of such coins is quite limited. But it is worth understanding that such an investment is designed for at least 10 years, because you need to wait until the coin becomes in demand.
Note! The risk of investing in precious metals is minimal, as they all slowly add in value.
2. Investing in PAMM accounts
Recommended investments: from 1000 rubles.
Risk: middle.
Profitability: high.
The World Wide Web is incredibly developed, so many people began to ask the specific question of where to invest money on the Internet in 2019. Let's talk about the most profitable way to make money in Russia today. We are talking about passive income, where it is more profitable to invest money, we will now tell you.
PAMM accounts are a term closely related to the Forex market, but do not rush to choose from the methods presented earlier, since such investments do not imply a thorough and long study of the market.If we explain the essence of such investments in simple words, then we can say that you simply trust your money to the trader (manager) who trades them.
Note that the manager himself makes a certain contribution to the PAMM account, then the percentage of investments of each investor is calculated. This is necessary in order to correctly divide the profit (what percentage do you have from the amount of the PAMM account, this percentage of profit from trading operations will be yours).
The most famous PAMM broker in Russia today is Alpari; the largest and most profitable PAMM accounts are located here.
Note! This option has risks that can be mitigated by knowing certain rules for investing in PAMM... We are talking about the choice of a manager, which determines whether you will make a profit or suffer losses.
When choosing, you should rely on the profitability of the account, its drawdown and many other factors (we advise you to study the chart that should be attached to each PAMM account). It is important to look at the contribution of the manager himself, because this can say a lot, or rather, about his confidence in his abilities and a specific account.
It should be noted that PAMM accounts have one indisputable advantage, the essence of which lies in the absence of transferring money to the trader, because they will continue to be in your account, that is, he will only be able to trade them, and it will be impossible to withdraw these funds for him.
1. Buying property
Recommended investments: from 1,000,000 rubles.
Risk: minimum.
Profitability: average.
We are often asked where to invest a million rubles to make money without big risks. One of the most well-known ways to the public is to buy real estate. In this issue, the main difficulty is not to be mistaken with the purchase of an apartment in any new sector, where there will be no strong demand in the future.
This way of earning money should be called profitable in situations where a person can competently analyze the situation and understand whether there will be demand for this property in the future. 1 million rubles is the minimum amount, but it is better to engage in such investments if you have at least 3-4 million.
The disadvantages of this method are that if you miscalculate with the purchase, then you will simply lose part of the initial amount, and the losses will be significant. We will also mention the significant loss of time.
It is recommended to buy real estate only for those people who are ready to analyze the real estate market, compare offers and competently choose the most attractive options. It should be understood that this will take a lot of time, but with a bit of luck and diligence, it turns out to earn a lot.
In this material, the most popular options have been collected on the advice of experts, but the question of where it is profitable to invest in 2019 so as not to lose, you must answer yourself. Someone prefers more profitable options, and someone seeks to protect themselves from high risks.