Passive income is what many people dream of, regardless of age, place of residence and other factors. One of the most famous and reliable ways to obtain 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 earn money, so we have prepared material for you with a detailed examination of various investment options.
5 options where to invest money profitably
There are a large number of investment options, but we have made the TOP 5 most profitable. When compiling this list, we tried to correlate both profitability and risks, therefore, you will not see ways to make money that involve high risks.
Let's start considering investment options from a 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 in order to receive monthly income, people get an answer about an option related to mutual investment funds (Mutual Funds). Under this name is a special property complex that does not have a legal entity.
Each mutual 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 appearance of profit for each investor (in such a system they are called "shareholders"). The number of units depends on the amount of investments, the size of profit depends on the ratio of which to the total amount (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 paper to a certain part of the property fund to which it belongs. In the rules of a particular fund, you can find more information about this security.
Redeeming units at a current value means exchanging securities for money, and the amount will depend entirely on the percentage to which you are entitled, it is indicated in the unit.
Note that each unit provides a certain amount of rights, regardless of investors, and each owner’s rights are accounted for by an independent organization, which maintains a register of investment unit owners.
Yes, this investment option can be considered in some situations, but according to past data, the amount of income it brings is not so large, and the risks of investment in mutual funds are relatively high (you can’t call them large, but there is a chance of a collapse in the market, but this will result in significant losses to shareholders).
4. Bank deposit at interest
Recommended investments: from 100 000 rubles.
Risk: minimum.
Profitability: low.
If you are thinking about where to invest 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 look at 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 profit. Thus, the bank can provide profit for itself and the depositor.
It is worth discussing such a point as the interest rate. The investor will receive a fixed amount of profit, regardless of the success of the financial transactions that were carried out with your money. If the deposit provides for 10% per annum, then, as you might guess, a person will receive 10,000 profits from 100,000 rubles of the deposit. Yes, the annual percentage for this option is relatively small, but it is worthwhile to understand that there are practically no risks in this method of investing money.
The only risk that a person who has made a bank deposit exists is a certain chance of a bank losing a 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 essence of the contributions, because there are other options. Carefully study the conditions, because the percentage can be calculated not once a year, but 4 times, or even every month. Of course, in such situations, interest will be much less, 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 a place where it is better to invest a novice investor, but to come to a concrete conclusion will not work, as there are a large number of points of view, many of which contradict each other. Let's look at two main options that are in the third position - securities and precious metals, and also draw conclusions.
As for securities, they are of various types:
- main ones (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 situation in the market. Thoughtless investment in securities is unlikely to lead to at least some profit, so you should consider the second option.
As for precious metals, such investments are much simpler, since each person understands their essence. The most common option is to simply purchase one of the metals in the following list:
- platinum;
- gold;
- palladium;
- silver.
This option does not always make a profit (for this you need a big 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 increase in value.
We are talking about the eagerness of collectors to acquire them, because the circulation of such coins is quite limited. But it’s worthwhile to understand 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 are all slowly but add to the value.
2. Investments 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 a specific question where to invest on the Internet in 2019. Let's talk about the way to make money, which is the most profitable today in Russia. We are talking about passive income, where it is more profitable to invest, we will now tell.
PAMM-accounts is a term closely related to the Forex market, but do not rush to choose from the methods presented earlier, since such investments do not require a thorough and long study of the market. If you explain the essence of such investments in simple words, then you can say that you simply trust your money to the trader (manager) who sells 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 of the PAMM account you have, 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 placed here.
Note! This option has risks that can be reduced if you know certain rules for investing in PAMM. We are talking about the choice of manager, on which it depends on whether you will make a profit or suffer losses.
When choosing, you should rely on the profitability of the account, its subsidence and many other factors (we advise you to study the schedule that should be attached to each PAMM account). It is important to look at the contribution of the manager himself, because this can tell a lot, or rather, about his confidence in his abilities and specific account.
It is worth noting that PAMM accounts have one indisputable advantage, the essence of which is the lack of transferring money to the trader, because they will continue to be on 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 a 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 methods of the public is the purchase of real estate. In this matter, the main difficulty is not to make a mistake in purchasing an apartment in a new sector, where there will be no strong demand in the future.
Profitable, this method of earning should be called in those situations where a person can correctly 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 in the presence of at least 3-4 million.
The disadvantages of the method are that if you miscalculate with the acquisition, then you will simply lose part of the initial amount, and the losses will be significant. We also mention a significant loss of time.
Buying real estate is recommended only to those people who are ready to analyze the real estate market, compare offers and correctly choose the most attractive options. It is worthwhile to understand that it will take a lot of time, but with a share of luck and effort it turns out to earn quite a lot.
In this material, the most popular options were collected on the advice of experts, but you should answer yourself the question of where it is profitable to invest in 2019 so as not to lose. Someone prefers more profitable options, and someone seeks to protect themselves from high risks.
