Successful investment of money allows at least to keep them, as a maximum – to start to receive a stable and high income. In the article we detailed where to invest money in 2020. The material contains both conservative ideas to save savings, and aggressive to increase them in the shortest possible period.

Buying websites is a modern profitable way to invest money

Инвестиции в сайты

Previously, MFA was popular – sites that are created to monetize contextual advertising from Google. Their owners gathered the target audience, put partner banners and received money for clicks on them. In Russia, it is difficult to make money on contextual advertising, as even in business topics the average price per click is 0.10-0.15 dollars.

Now it is more profitable to earn on sites under CPA (partner programs). Advertise the product, the site visitor buys it, and you get a percentage. For example, Home Credit Bank pays 6,400 rubles for a issued loan.

You can buy sites on the stock exchange, develop them, and then – sell. Resale of web resources can bring 50-100% per annum. Such investments are much more profitable than deposits and real estate, but will not be suitable for conservative investors, as the content quickly becomes obsolete, regularly there are new filters.

The benefits of investing in sites:

  • High yield

  • The site can be monetized in a variety of ways, including contextual advertising and partner programs;

  • If you write articles on topical topics, you can instantly increase traffic;

  • web resources are ideal for both long-term and short-term investments.

Weaknesses in investment in sites:

  • We need to know how search engine algorithms, filters, search promotion basics work;

  • an initial investment of at least 100,000 rubles is needed to make a decent profit.

If you are looking for a place to invest money for passive income, consider the option with the sites in more detail. Content does become obsolete over time, but some articles are able to hold on to the TOP for several years, bringing hundreds of visitors.

In the sites you can start with a couple of hundred rubles (buy domain and hosting, create content yourself), but it will take a lot of time, and earnings will be small. It is better to initially approach the sites as a business, calculating the costs, risks and potential profits.

Bank deposit is a traditional way to save savings

Банковский депозит

Bank deposits are ideal for people who are looking for a better place to invest money for a beginner. Such a financial tool is available to every citizen. It is enough to choose a bank, open a deposit account, make a certain amount and wait for interest accrual.

If the client contributes up to 1.4 million rubles to the account, the amount is subject to insurance. Even if the banking organization declares bankruptcy, the state will be obliged to return its contribution to the citizen.

The benefits of a bank deposit:

  • You can open an deposit account online.

  • Money is not only stored in the bank, but also multiplied;

  • You can invest from 1,000 rubles;

  • deposit insurance of up to 1.4 million rubles.

Disadvantages:

  • the lowest yield among all popular financial instruments is up to 5% per annum.

Bank deposit is ideal for those who want to save their own savings and earn a little money. For cooperation, reliable banks with an adequate rate should be chosen (Tinkoff, Sberbank, VTB). Even if you take into account the constant depreciation, the resulting small profit will cover the losses.

Investing in real estate is a proven way to generate a stable income

инвестирование в недвижимость

The classic method to start getting passive income is to invest in real estate. Despite the unstable situation in the country, the availability of own housing allows to preserve and increase savings. In any case, you will have an asset that you can sell or start renting, earning on rent.

If we consider residential real estate, the potential profit from renting a room or a small apartment can be 10-20% per year, from resale – 20-30%. Experts recommend buying simple rooms or small one-room apartments, because they are inexpensive, they are easier to repair.

Benefits of investing in real estate:

  • The property you buy can be used in any way, including sale, gift or will;

  • a variety of profit-making areas, including resale of real estate, post-construction sale and rental of property;

  • this method has successfully passed the test of time.

Disadvantages:

  • large initial investments of 500,000 roubles are required;

  • you need to have at least a basic understanding of the real estate market.

Investing in real estate is a traditional way of generating income, which is effective even in times of crisis. Purchased apartment/house can first be rented out, and then – to sell. Such directions will suit people with large initial investments and basic understanding of the market.

Investing in PIFs – entrust your money to a specialist

Вложение в пифы

The Mutual Investment Fund is an organization made up of experts and experts. It invests investors in various areas, including securities and real estate.

To start investing, you need to choose a PIF, buy a share, wait for the growth of its value, sell. The fund is managed by experienced specialists who are well versed in the economy, know the basics of technical and fundamental analysis, and have a successful experience of capital growth.

Benefits of investing in PIFs:

  • profit from mutual funds above classical bank deposits;

  • Savings are managed by professionals who know when and where to invest money;

  • for this kind of investment you do not need to have special knowledge, and you can start investing in just a couple of minutes;

  • if the unit is withheld from 3 years, then within 3 million rubles the payment of the NDFL is not made.

Lack of investment in PIFs:

  • will have to pay a small commission and remuneration to the fund manager;

  • You won't be able to sell a share at any time.

  • yields are quite low even for other conservative methods of investing.

PIFs are a convenient tool for those who want to passively manage capital. It is ideal for people with little capital who do not know where to invest 1,000 rubles.

The money will be managed by a professional with the necessary knowledge and experience, and the investor will be left to make a profit. Low return of funds (about 9% per year) is compensated by reliability in the long term, the ability to save and increase savings.

Investing in precious metals – income and protecting your own savings

Инвестиции в золото

Our parents also taught us to buy gold to save our own savings. Gold chains, rings, earrings and other jewelry are sold at every turn in major cities. That's just when buying precious metals directly there is a risk to run into scammers.

If you decide to invest in precious metals, then we advise you to buy gold in special bullion through the bank. When making a deal in an impersonal form, VAT does not need to pay, but for the formation of bullion you need to pay a value-added tax of 18%. It is also easy to buy silver, palladium and platinum.

If you do not know where to invest in Russia, then we advise you to study in more detail the benefits of investing in precious metals:

  • A proven way to keep savings from inflation;

  • A small increase in the value of metals in the long run;

  • After buying on your hands remains the real thing.

Disadvantages:

  • If precious metals are bought directly, there is a risk of run into scammers;

  • capital is growing slowly, so the way to save it more than to multiply;

  • buying, storing and selling precious metals is advisable through the bank, and it is extremely difficult to find a reliable organization.

Investing in gold and other precious metals helps to save. To protect the funds it is advisable to divide them: some to store in real things (decorations, gold bars), and some – on an impersonal metal account (OMS) in the bank.

Buying securities – a variety of ways to invest money

Инвестиции в акции

After buying shares of a certain company (Yandex, Gazprom and so on), you become a shareholder. If the company develops successfully, the shares grow in price, then you can sell them more expensively. Some offer dividends to shareholders, i.e. regular payment of a portion of the profits.

Among investing in valuable purchases the least risky is buying bonds. In terms of reliability they can be compared with bank deposits, but the yield is 8.5-15% per annum. Bonds also ideally solve the question of where it is better to invest a novice investor: most banks and brokers (BKS, Tinkoff) provide the opportunity to purchase securities from 10,000 rubles.

Benefits of investing in securities:

  • Annual returns can be 30-50%;

  • Most companies offer additional dividends;

  • you can invest in shares of Russian and foreign companies.

Disadvantages:

  • a relatively risky financial instrument, specifically about stocks;

  • experts will be required to choose stocks and bonds correctly.

Investing in securities is a way of investing that is more than 300 years old. There are a lot of educational materials on the Internet that allow you to get basic knowledge, and expert advice will help to properly compile an investment portfolio.

Conclusion

There are a lot of areas where to invest a beginner and an experienced investor. When choosing, you need to take into account the size of your own savings, the desire to keep them or increase them, the presence /lack of willingness to risk money.

If the capital is up to 100,000 rubles, then it is advisable to buy bonds, up to 1 million – to invest in precious metals, stocks, websites. If more than 1 million rubles, then it makes sense to diversify the investment portfolio as much as possible in the above-described areas, including real estate, trading and securities.

And do not forget the proven principle of capital division: 50% conservative methods, 30% – directions with average risk, 20% – high-risk methods.