The best investment projects on the Internet. Where to invest money, or the most profitable investments

We all save money. A schoolchild saves for a new smartphone, a student for a car, a young family for an apartment (or more often for a down payment for a mortgage), a worker for a vacation, and a pensioner for a funeral. And no matter how tense the economic situation is, money somehow accumulates. Otherwise, why are there so many iPhones and expensive cars around?

But what most people don't realize is that when you have accumulated money under your pillow, it quietly decreases. Every night the “savings killer” comes and steals a small part of our savings. And this killer's name is Inflation.

The official inflation rate in Russia for 2015 is almost 13%. But we know that it is quite underestimated (those who remember the prices for products in 2014 understand this especially well). The real inflation rate for 2015 was definitely more than 20%.

Thus, all our savings depreciate at a rate of at least 20% per year or 1.65% per month. So, now most investment methods help not to increase your funds, but to at least slightly compensate for inflation.

In such a situation, it is very unwise to keep money under your pillow. Any spare money should be put to work. But how to invest them as reliably and profitably as possible?

Investing is not that difficult.

I think everyone has an idea of ​​what investing is. When investing, you put your money to work. That is, you invest money expecting to receive even more money in the future.

But we must not forget that investing entails risks. Instead of the expected profit, you may receive a loss or even lose all your money.

Therefore, the main rule of investing is risk diversification. According to this rule, you should split your savings into parts and invest them in different investment projects.

For example, let your investment portfolio be 100,000 rubles. Then you need to choose several investment instruments that are suitable for you. Let's assume you have chosen mutual funds, PAMM accounts and backing and HYIP projects. Now you will need to distribute your portfolio between instruments depending on how much risk you are willing to take.

Let’s say that you are committed to moderate risks and distribute your money like this: mutual funds – 40%, PAMM accounts – 40%, backing – 10% and HYIP projects – 10%. Now you need to apply the principle of diversification within each investment method you choose.

That is, you will need to select several different PAMM accounts and distribute your 40% of the portfolio between them. The same must be done with other chosen investment methods.

In order to comply with this rule, you need to use several tools that can multiply your money. I have selected 12 of the best ones for you.

Let's compare the 12 best ways to invest.

I have not only selected the 12 best investment methods for you, but also compared them with each other. For comparison, I selected several parameters, which I decided to evaluate using a 10-point system, where 1 is the lowest score and 10 is the highest.

Comparison of the best investment methods.

The following options were selected:

• Simplicity. This parameter characterizes how easy it is to understand this method of investing, understand the principle, find a suitable company and make a contribution.
• Profitability. Here the average return on investment will be assessed. Most often, this and the following points are interconnected: the higher the profitability, the higher the risks.
• Reliability. This parameter characterizes the riskiness of the analyzed investment instrument.
• Entry threshold. Shows the minimum amount you can invest.
• Liquidity. Estimates how quickly you can withdraw your deposit, and what losses await you if you withdraw money prematurely.
• Passivity/activity– this parameter shows how passive this type of income is. That is, 10 points means “put it in and forget it,” and 1 point means that in order to get maximum profit you will have to spend additional effort and time.

Of course, all my assessments will be subjective and I think that many readers will not agree with them.

1. Bank deposit.

A bank deposit is the most understandable and simple way of investing for an ordinary person. Even any grandmother understands how everything works. After all, even in the Soviet Union, in which there was no investment, people kept money in savings books. And one of the heroes of a popular Soviet film urged fellow citizens to keep money in savings banks.

All you need to do to make a deposit is to choose a bank and come there with your passport and money. What could be simpler? I bet 10 points.

At the same time, the profitability of a bank deposit is not high. At the moment, deposit rates range from 7% to 12.5%. I think this is one of the lowest returns of all investment methods. Deserves 1 point.

But you can be sure of the reliability of your deposit. Deposits are insured by the state. Even if you plan to invest a large amount, then in order to insure against the fact that your bank’s license will be taken away, you can break the amount into small parts and invest in several banks. In this case, even if the bank is deprived of its license, and your deposit was less than 600,000 rubles, you will be compensated for both the deposit and interest. 10 points for reliability.

You can start investing with an amount of 10,000 rubles. This is not much at all, so you can put it beyond the entry threshold 8 points.

In most cases, you can withdraw money from your deposit at any time. But if you withdraw money early, you will lose most of your profits. 7 points for liquidity.

This type of deposit falls into the “put it in and forget it” category. All you have to do at the end of the investment period is go to the bank and withdraw your money. Well, or extend the deposit. 10 points.

Pros:

• High reliability.
• Availability.
• Low taxes. You will have to pay 35% of taxable income, which is calculated using the formula: all income minus the refinancing rate.
• Predictability of results.

Cons:

• Low profitability.

Conclusion. This type of investment serves not to increase your money, but to at least somehow compensate for inflation. In any case, if you do not want to take risks at all, then this method is better than just keeping money under your pillow.

2. Mutual investment funds (UIFs).

For an ordinary person, investing in mutual funds does not seem like a very clear idea. To understand this, try explaining to your grandmother at the entrance that you are buying shares in a fund of a management company that invests money in assets.

You also need to take the choice of mutual funds seriously, studying the statistics of different funds. After this, you need to go to the office of the company or its agent. I'll give it for simplicity 6 points.

The profitability here depends on the type of funds and on the approach to choosing a mutual fund. The riskier the investment the fund makes, the higher the potential return is expected, but in most cases it is not high. 3 points.

Reliability also greatly depends on the type of fund. While bond mutual funds are one of the least risky investments, investments in venture funds carry very high risks. On average, I would rate reliability at 7 points, because at least you won’t be able to lose a large part of your deposit, as in other investment methods.

The minimum cost of a share starts from 300-500 rubles per share, which is suitable for almost everyone. 10 points.

I think most people invest money in open mutual funds, so at this point we will only talk about them. You can withdraw money from open-end funds by selling your shares in 1-3 business days. I'll put it 10 points.

Still, with this method of investing, you will have to spend a little time managing your investments. Of course, management within the fund management company will do it without your participation, but you will have to transfer money between mutual funds and decide when to sell shares and when to buy. 8 points.

Pros and cons of this investment method:

Pros:

• A large number of assets in which the fund can invest.
• Low entry threshold.
• Relatively low risks.

Cons:

• Possibility of incurring a loss if the fund choice is unsuccessful.
• Relatively complex investment procedure.
• An investor should be interested in the stock market.

Conclusion. With successful selection of funds and proper management of your investments, the profit from the deposit covers inflation and brings in a small income. But we must remember that many funds bring losses to their investors.

3. PAMM accounts.

Brokerage companies for recent years invested so much money in advertising that only the deaf have not heard about Forex and the tempting prospects of becoming a successful trader. Therefore, it is not difficult for an ordinary person to understand the principle of PAMM investing - give money to a trader so that he can play with it on the stock exchange.

You can find a suitable broker on the Internet. At the moment the most popular is Alpari. So I'll put it 7 points for simplicity and clarity.

Some accounts can bring you more than 100% profit per year, while others can drain all your money. But, when using the principle of risk diversification, the income from this type of investment is slightly higher than in mutual funds and is estimated by me at 5 points.

As returns increase, risks also increase. When using the principle of diversification, you will not lose the entire investment amount, but you may receive a loss. For reliability I would put 6 points.

You can start investing in PAMM accounts with an amount of $10. At the moment this equals 700 - 800 rubles. The amount is small, so I bet 10 points.

You can withdraw money at any time within one or two business days. Therefore, for liquidity 10 points.

You will have to spend time managing investments. If you do not use automatic tools, you will have to log into your personal account almost every day. After all, the market situation can change very quickly and your managers can make critical mistakes. I bet 6 points.

Pros and cons of this investment method:

Pros:

• Low entry threshold.
• Opportunity to create your own investment portfolio.
• Simple investment procedure.

Cons:

• It is possible not only to receive a loss, but also to lose the entire deposit amount.
• An investor should be interested in trading on the foreign exchange market.

Conclusion. This is a very common method of investing, which has gained popularity due to advertising. This method of investing money is more suitable for those people who like the foreign exchange market or who have experience trading on the stock exchange.

4. HYIP projects.

This type of investment is often called quasi-investment. If we talk in simple words, then these are pyramids that accrue profits to participants from new deposits.

Investing in these projects is very easy. Many of them accept bank transfers and payments through the most popular payment systems. Most often, HYIPs have a legend that explains to gullible investors where the company gets the money to pay such high interest rates.

It is very easy to contribute to such a project via the Internet. But if you are new to the Internet, it will be more difficult. For convenience I would put 8 points.

HYIP projects promise cosmic profits. On average, long-term HYIPs offer to pay 20-30% per month. Short-term ones can promise to double the deposit amount in just a few days. 10 points for the promised profitability, but in fact it is, of course, lower.

There is no need to talk about any reliability of deposits. The project can collapse at any moment. Every day 1-2 HYIP projects are opened and the same number are scammed. Therefore, for reliability I would give everything 1 point.

I think in this paragraph and the paragraphs below we should only consider long-term projects. The minimum entry amount starts from 1,500 thousand rubles. 9 points for a low entry threshold.

In most projects, the deposit cannot be returned. It will be returned to the investor throughout the investment period with each payment. Therefore only 1 point.

If you have already invested money in one of the HYIPs, then all you can do is sit and hope that the project will exist and pay. There is nothing you can do anymore. Completely passive investments deserve 10 points.

Pros and cons of this investment method:

Pros:

• High profitability.
• Convenient deposit and withdrawal of money.

Cons:

• Very high risks.

Conclusion. Make money onHYIP projects can only be carried out by those who are “in the know.” You need to be able to analyze projects and find those that can generate income. Most people who make money on HYIPs compensate for the loss when investing by attracting referrals.

5. Backing (investing in poker players).

Almost everyone knows about a game like poker. At the same time, many people understand that successful players receive big money for winning tournaments. But how many people know that most poker players do not play with their own money in major tournaments?

That is, if a strong player does not have enough money to participate in a tournament, he turns to an investor (sponsor), who receives a percentage of the prize money if he wins. A player may also have several sponsors who invest in the player and receive a profit from the winnings depending on the amount of investment.

You can buy a share from a player only by agreeing on this on specialized forums. For example, on the forum of this site: PokerStrategy.com. To purchase, you will need to personally contact the player. For convenience I would put 4 points.

The reliability of this type of investment highly depends on the choice of players. In addition, when purchasing a share, you do not sign any contracts and the player may “not want” to give you your share for winnings. 3 points for reliability.

You can buy a share from $10. But only novice players sell so cheaply; to buy a professional’s share you will need to invest 200-300 dollars. But it’s still better to start with small investments, so I bet 10 points for a low entry threshold.

There is no such thing as withdrawing money. You pay a share, and if a player gets into the prizes, you take the profit.

After you have made a deposit, all you have to do is wait for a positive outcome. You can no longer influence anything. 10 points.

Pros and cons of this investment method:

Pros:

• The possibility of making a big profit if the player wins the tournament.

Cons:

• More suitable for people who understand poker.
• The deal is based only on a verbal agreement with the player.
• Typically, players earn more than sponsors.

Conclusion. Rather, backing is suitable for people who are well versed in poker. The average person will have a hard time choosing the “right” player.

6. Trust management in sports betting.

Most people view sports betting as gambling. But professional privateers earn a lot and consistently from betting on sporting events.

Many privateers create their own PAMM accounts, into which they actively attract investors. This type of investment is similar to PAMM accounts in the foreign exchange market.

In order to make a contribution, you need to register on the BetPamm.com trust management platform and select several accounts for investment. 7 points for simplicity.

If you look at the profitability charts, you will see that top privateers increase the funds in their accounts by thousands of percent. Such income should be captivating. But on average, the returns from this investment method are much lower and deserve 6 points.

If you use the principle of diversification and invest in several PAMM accounts, then at least you will not lose the entire investment amount due to privateer’s mistakes. For reliability I would put 6 points.

You can start investing with very small amounts. For a low entry threshold 10 points.

You can withdraw money quickly and easily. 10 points.

After investing, you will need to monitor the selected PAMM accounts in order to transfer money between accounts in case they go into a loss or achieve maximum profitability. 6 points.

Pros and cons of this investment method:

Pros:

• Short-term investment.
• Independent portfolio development.
• Low entry threshold and the ability to use a demo account.

Cons:

• Possibility of receiving a loss or losing the entire amount.

Conclusion. This investment method is very similar to investing in PAMM accounts in the Forex market. But it is not so famous due to the lack of advertising.

7. Startups (venture investments).

In recent years, stories of successful startups have been heard from everywhere. Everyone understands how profitable it would be to buy shares of young companies that in a few years would turn into large billion-dollar corporations.

The first way to invest in a startup is to enter into an investment agreement with the company directly. Some companies actively attract investors on their own by selling them future shares at reduced prices. An example of such a startup is Unitsky’s SkyWay.

You can also invest in a startup using crowdinvesting platforms and startup exchanges. Exchanges do not inspire confidence in me, since I consider them hype (read my review of ShareInStock). But many reputable sources call them real companies. When you go to the exchange, you will see audited and verified companies in which you can buy shares. All you have to do is choose a suitable startup and buy a share in it. For simplicity 7 points.

For purchasing shares on the stock exchange, the company will pay you dividends in the amount of 2% to 7% per month. In addition, an investor can sell his shares if the company develops and its shares increase in price. He can also sell shares if they lose value and he realizes that he has invested in a shell company. For profitability 6 points.

You need to understand that startups are a risky type of investment. According to statistics, 70% of them are unprofitable, and 20% of these 70% are simply scammers who steal investors' money. But even of those companies that are among the 30% of successful ones, half break up in the near future due to internal problems.

One of the ways to invest in startups is crowdinvesting platforms. Unfortunately, in Russia they are not very developed and the minimum amount of investment through them is quite high. But all companies represented on the site are subject to mandatory verification. There is also the opportunity to invest directly in startups. For reliability 6 points.

The barrier to entry into this type of investment is not high. 10 points.

If you decide to withdraw money or redistribute it within the share exchange by selling all or part of the purchased shares, then you will need to sell them on the exchange at a price below the market price. The lower the price you set, the faster your shares will be bought. 7 points.

To make the most profitable investment, you will have to devote your time. It will be necessary to track changes in the value of shares on the stock exchange, selling and buying them. There is no manager here, so you have to do everything yourself. 5 points.

Pros and cons of this investment method:

Pros:

• Convenient and simple investment procedure.
• Very low entry barrier.
• High potential profitability.

Cons:

• High risks with passive investing.

Conclusion. If you decide to invest in startups, then it is better to use exchanges. You will pay about 5% for withdrawing money, but you will be protected from scammers.

8. Currencies and precious metals.

Surely, among your friends and acquaintances there is a person who, with a smart face, claims that money should be kept in gold (platinum, dollar, pound, yen, etc.). This approach says that the person does not understand investing, but simply uses popular “stereotypes”.

For example, if you look at the dynamics of gold prices, you will see that since 2012 it has depreciated against the dollar by almost one and a half times.

If you decide to do without the services of managers and buy precious metals or currency yourself to store money in, then this procedure will not be difficult.

You can buy currency at bank branches, or using the services of brokers (which will be more profitable than buying through a bank). You can also change currencies using online and offline exchange offices or payment systems.

Precious metals can also be bought in banks. And it became possible to purchase gold using the WebMoney payment system.

Also, do not forget about cryptocurrencies, for example, Bitcoin, which, according to all forecasts, will rise in price in the long term. Buying these assets will not be difficult, so I bet 8 points.

Buying precious metals or currencies for long-term investment primarily protects you from depreciation of the national currency. For many countries with weak currencies, this is a smart decision. But rates behave unpredictably, so there may not be any profitability. 2 points.

A beginner does not know which direction the exchange rate will go in the near future, so his investment is more like gambling. Even if people now prefer to keep money in dollars, what is the guarantee that oil will not rise in price in the near future along with the ruble?

You can probably protect yourself from the depreciation of the national currency by storing half of your money, for example, in dollars, and the other half in rubles. This way, if rates fluctuate, you won’t lose anything, but you won’t earn anything either.

Profitability depends on luck and I would bet everything 2 points.

The entry threshold depends on the type of asset and the method of purchase. On the exchange, 1 lot will cost at least $1,000, and through exchange offices or payment systems you can exchange amounts of several dollars. So anyone can buy currency or precious metals. 10 points.

You can sell currency as quickly as you can buy it. In exchange offices and stock exchanges this is done almost instantly. Gold is also a highly liquid asset. 10 points.

In general, trying to influence profits by tracking rates and then selling assets turns you into a trader. And I wouldn’t classify trading as investing. Therefore, I understand investing in currencies and precious metals as “invest and forget.” That's why 10 points.

Pros and cons of this investment method:

Pros:

• Can protect against depreciation of the national currency.

Cons:

Conclusion. Buying precious metals and currencies is a very unpredictable way to invest money for a beginner. You can reduce risks and increase profitability either by entrusting money to a manager, or by independently studying trading in the foreign exchange market.

9. Securities.

I think most securities people are only familiar with stocks. The most financially literate will probably be able to name bonds. Only a few people know how to invest money in securities.

In fact, buying securities is no more difficult than buying currency. You also need to contact a large bank or broker. 7 points for simplicity.

When a beginner buys securities, making a profit is a big question. And, if even a beginner can count on a small income when investing in bonds, then the stock market can bring a loss to a novice investor. 3 points for profitability.

In fact, usually low returns entail low risks, but not in this case. The risks are high in the stock market. 3 points for reliability.

You can start investing with a small amount. The entry threshold starts from approximately 1,000 rubles. 9 points.

Securities can be sold on the stock exchange in the same way you bought them. This asset is considered quite liquid. I bet 10 points.

Again, if a person begins to manage his securities on his own, then he already turns from an investor into a trader. Therefore, here we consider only passive investing. 10 points.

Pros and cons of this investment method:

Pros:

• A simple investment procedure and a low entry threshold.

Cons:

• For a beginner, this is a risky and low-yield way of investing money.

Conclusion. If you have already decided to invest in securities, then it is better to contact a professional manager who will manage your funds for a small commission. As a newbie, investing in the stock market on your own is more like gambling than investing.

10. Real estate.

There is one stereotype among people: “ The safest investment is buying real estate" But do not forget that real estate includes not only apartments, but also various buildings, structures, water bodies, forests, etc.

In general, there is some truth in this, because many people want to save up for an extra apartment in their old age in order to rent it out and get a good increase in their pension. And if something happens, you can sell it and get good capital.

You can invest in residential or commercial real estate, under construction or already built, suburban or located within the city. The ease of investing also depends on the type of property you choose.

To invest in residential real estate, you will need to contact a realtor, look for suitable options, fill out a lot of documents and, possibly, make repairs. As for me, the procedure is quite dreary.

If you decide to buy commercial real estate, then the hassle becomes much greater. You will need to do accounting, pay taxes, manage facilities, and re-register energy supplies. On average I would give it for convenience 2 points.

As for profitability, from residential real estate you can receive no more than 1 percent per month for long-term rent. This is 7-10% per year. Renting residential properties on a daily basis turns into work and is not considered.

If you expect to sell it at a higher price after some time, then it is far from certain that prices will rise. In general, for profitability I would bet 3 points.

Real estate is indeed highly reliable. Unless, of course, this is a facility under construction.

Even if real estate prices fall, you will continue to receive a stable rental income. For reliability I put 9 points.

The entry threshold is high, even if it is a collective purchase of real estate. The minimum investment amount starts from several hundred thousand rubles. I'll put it 2 points.

It often happens that in order to sell real estate (especially commercial real estate) faster, you have to set a very low price. Sometimes properties cannot be sold for several months. I bet 3 points.

If we consider long-term rental of residential real estate, then we will not have to spend much time on management. You will need to find tenants once and then withdraw money once a month. 8 points.

Pros and cons of this investment method:

Pros:

• A clear scheme for generating income.

Of course, here we will not talk about investing in creating a business from scratch, but about buying an existing company. Creating a business from scratch is hard work with unpredictable results. An investor is interested in an established business with streamlined processes that generates a stable income.

To find a company to buy, you can use newspapers or bulletin boards. But most often, the entrepreneur does not talk about the sale of his brainchild, so as not to raise doubts among employees and clients.

Therefore, they prefer to contact brokerage companies that will sell their business. They also distribute information about the sale among friends and acquaintances.

Once you have found a suitable business, you will need to audit it to ensure that business processes are in order. This whole procedure can turn into an insurmountable obstacle for a beginner. 1 point for simplicity and clarity.

Extremely profitable businesses are rarely sold, so you should count on average profitability. Of course, profitability greatly depends on the type of activity and quality of management. I'll put it 6 points.

Many people think that entrepreneurs only sell unprofitable businesses. But in reality this is not the case. The reason for the sale may be: an urgent need for money, disagreements between owners, loss of interest, lack of time (especially if one entrepreneur has several types of business), etc.

The audit will help analyze the reliability, profitability and prospects of the business. Therefore, the chance of buying a loss-making asset is very small. I bet 7 points.

The barrier to entry into this type of investment is relatively high. Yes, there is absolutely small companies, but they don’t cost a penny either. Buying a profitable business with streamlined processes is similar in cost to buying real estate.

People often join together in groups to buy a business. For example, several friends and acquaintances buy a company together. But even in this case, the entry threshold remains high. I'll put it 2 points.

If you urgently need money, the company can be sold. If your business is unprofitable, then selling it will be difficult or almost impossible. It is easier to sell a profitable business, but most often this procedure takes a lot of time. That's why 3 points.

If you begin to independently manage the purchased company, you will turn from an investor into a businessman. Therefore, you will need to hire an executive director to manage your business. But even in this case, you will have to control it and analyze the company’s activities.

And you will need to select a manager yourself. That's why 2 points.

Pros and cons of this investment method:

This method of investing is similar to investing in a business, but with a simpler purchasing and management process. Again, there is no need to create and promote a website. You can simply buy a ready-made project.

The website itself is more of a tool than an asset. The real asset is the audience that comes to this project every day. The site owner makes profit through advertising, affiliate programs and other sources of monetization.

To purchase a site, you can use the exchange. One of the most popular exchanges in RuNet is Telderi.ru. In the list of sites for sale, you can see all the information on the projects: audience size, profitability, development dynamics, payback period, etc.

The transaction is protected and takes place according to the rules of the auction, where the site goes to the buyer who offers the highest price. For simplicity we can put 4 points.

Typically, normal websites are sold at a price equal to the income from it for 12 months. That is, if a project brings in 20,000 rubles per month, then the fair price for it will be 240,000 rubles.

But in most cases, on such sites, monetization does not work 100%. Thus, after “tweaking” monetization, it will be possible to recoup the investment in 6-10 months. 7 points for profitability.

If the site is made with high quality and was promoted only by “white” methods, then such a contribution can be called reliable. Of course, if you want the project to bring you profit for many more years, then you need to do at least minimal work on it. But the project will be enough for a year or two without additional investments. 8 points for reliability.

In general, some sites are sold very cheaply. You can find it for 500 rubles. But such sites should not be of interest to investors.

You can buy one expensive and high-quality site, or several average ones. Therefore, I do not recommend starting with too small amounts. I'll put it at the entrance threshold 6 points.

If the project ceases to be of interest to you or you need money, you can always sell it on the same exchange. I bet for this 4 points.

When you buy a site that will bring you passive income, you can make a profit without working on it at all for a year or two. But, over time, without administration and updates, the project will lose its audience, bringing less and less income. I'll put it 4 points.

Pros and cons of this investment method:

Pros:

• A convenient investment amount for everyone.
• High reliability of investments.
• You can develop the project, increasing profits.

Cons:

• You need to have minimal knowledge about websites and how to monetize them, or seek help from an experienced specialist.

Conclusion. Investing in content, information and other similar sites is one of the best ways to invest. This type of investment can easily be turned into a business by working on purchased sites and increasing profits.

Which method do you like best?

Hello! In this article we will talk about investing on the Internet.

Today you will learn:

• About the features of investing on the Internet;
• How can you start making a profit?
• About the rules of online investments;
• And how can you earn money with only 100 rubles.

The Internet has made many areas of everyday life much easier. But most of all he influenced the financial sector. Now you don’t have to wait several days for money transfers, cash has almost completely disappeared from companies’ circulation, and banks are already issuing loans on the Internet in full force.

Investment activity is also gradually moving to the Internet, but the rules for investing on the World Wide Web are still just being formed. So what should you invest in on the Internet? How can you get maximum profit? And what risks await those who dare to invest on the World Wide Web? You will learn about all this below.

Features of investing on the Internet

Websites are made for several purposes:

• Making profit from advertising;
• Sale of goods or services;
• Self-promotion.

The most popular way to make money on a website is advertising, and for this, dozens of websites are created every minute, only one of which will bring real profit to the owner. In order to do this, you will need minimal knowledge in the field of website development and promotion. But most of this knowledge is acquired along the way, and the main thing in creating a website is to start.

Startups

Investing in is a rather risky but profitable idea. There are many services online where people raise money for their new and ambitious projects. Investments in their business presuppose the presence of a share and, accordingly, a claim to the company’s income.

To understand the likelihood of receiving an investment, you need to look at the statistics:

20% of startups turn out to be profitable for investors. 60% reach the point of self-sufficiency and end their activities. 20% bring losses. Accordingly, 1 out of 5 startups will make a profit, 3 will return investments and 1 will be unprofitable.

This is why you need to invest in startups with a minimum amount of knowledge. First you need to carefully study the niche, then the project, and only then make a choice whether to invest your money in it or not.

Mutual lending platforms

Mutual lending among individuals is what the market has come to over the past few years. The emergence of microfinance organizations has left the niche of short-term and cheap lending open. And platforms have come into play, distributing money between investors and creditors. Most often by individuals. Interest rates on such sites are higher than in banks, but lower than in microfinance. They bring up to 50% per year.

There is another service for mutual lending - Debt Webmoney. There, users independently issue loans to each other. Interest on loans can reach 100% per day, but the risks are quite high. About 70% of loans through this system are not returned to creditors.

Deposits in microfinance organizations

Microfinance satisfies the population's need for quick money, but their own funds are often insufficient for this. That is why they attract deposits from individuals and in large volumes. You can become an investor by going to the website of any microfinance organization in the “investors” section. There will be all the up-to-date information about the amount of funds for depositors, interest rates and guarantees.

This method is very risky due to the fact that there is a high risk of non-repayment of funds from clients, and, accordingly, a delay in payments on the deposit.

Domain Investments

The most controversial of all investment methods. It can bring either 10 million in one transaction or not bring a single cent to the investor. Who invests in domains and why? Most investors assume that a company or individual will want to make a website on a topical domain, and buy it in advance to resell it.

Some domains that are now owned by global corporations have brought in hundreds of thousands of dollars to their original owners. And all to ensure that the domain is remembered and associated with a specific company.

Pros and cons of investing on the Internet

Now let's look at all the pros and cons of investing on the Internet.

The advantages include:

• Consistently high profits;
• All operations are carried out from home;
• Free schedule;
• Minimum financial investment;
• Ease of control;
• Possibility to withdraw funds at any time.

But there is one minus, and for some it may cover all possible advantages. This disadvantage is the huge risks that the investor takes on. Having invested in any online project, regardless of whether it is a Forex broker, a startup project, or a mutual lending exchange, it is always worth remembering that there is a significant risk that the money will not be returned.

There are two categories of risks: trading and non-trading. Trading mistakes include many of the investor's mistakes in managing funds. Not right choice object, investment amount, slow reaction to losses, and so on. All this leads to the fact that the investment account goes into the red, and the investor suffers losses.

Non-trading risks are everything that does not depend on the investor. Force majeure, hacker attacks and other events that occur by chance. They cannot be prevented, but you can react in time and minimize your losses.

Fraud by investee companies appears, at first glance, to fall into the second category. But that's not true. Investing in scammers is a direct mistake of the investor and his shortcoming. This means that the person did not collect all the data about the company and was unable to recognize the fraudster.

One of the rules of investment is that losses fall entirely on the investor. After all, he himself chose the object and the amount of investment. Therefore, from every loss of money he must learn lessons about what not to do. But we should not forget that profit is also the result of the investor’s activities, and it also needs to be analyzed and the same decisions repeated in order to receive income in the future.

The main mistakes of investors

It’s better to learn from someone else’s example, so let’s look at the top 5 main mistakes of novice and experienced investors:

1. Lack of strategy. This is the main mistake that reduces investment to playing in a casino. Wins are possible, but losses will hit your pocket much harder;
2. Investment in one project. Diversification (sharing) of risks is the key to making profits and minimizing losses. Divide your investment into 3 projects, and the failure of one will not hit you so hard at the expense of the others;
3. Investing in untested projects. Returning to the previous topic - fraud on the part of the investment target company lies entirely on the conscience of the investor, because he himself chose and invested his funds there;
4. Pursuit of profit. Especially at the initial stage, investors try to get everything at once by investing in high-yield, untested assets. And they naturally fail. Excessive greed benefits no one;
5. Neglect of safety. Payments on the Internet must be protected to the highest level. Safety depends on this cash, especially in current realities constant hacker attacks.

In general, beginners just need to follow simple tips indicated in this article and avoid mistakes in order to receive a stable profit with a high degree of probability.

You were looking for the best HYIP projects that pay, but you found something much more. You have found a whole system.

This is not my first year in HYIPs and I understand perfectly well how difficult it is for an ordinary investor to select and analyze projects. Often you have to act at random or relying on indirect signs.

But there is good news! By applying just one strategy, you can increase your investment performance by 9 times. Don't believe me? Just look .

9 times more effective! How do you like this? This worked in 2017 and continues to work.

By applying other strategies and taking greater risks, you can increase your income another 2.5 times.

This approach is so effective that I even wrote an instruction book based on it.” ” . It is available to you for free!

Below I will provide a table with the current rating of the best HYIP projects that pay, and then I will share with you other tips that will help you become even more successful in investing.

Tables with the best HYIPs (scroll to the right):

Top 5.

Popular.

Monitoring.

Test.

With a multi-level structure.

Required reading:

A few more important articles:

Before joining the blog, HYIP admins undergo a strict selection process. First I watch the admin at work. That is, I don’t add a project to the blog, but see how long it will take and how much profit it will bring.

If a HYIP brings more than 20% of net profit to its investors, then I add this project to the monitoring section. And during the announcement and in the review I write that I have not worked with the admin before, but I observed his work.

The best HYIP projects that work well in the monitoring section are included in the recommended section. There are practically no quick scams in this section. It is considered bad work if the HYIPs of this section bring less than 20% of net profit.

Frequently asked questions.

• How to order a refback?

In the announcement and review, I indicate how refback is paid: automatically or manually. If auto-refback is configured in HYIP, then the specified percentage will be automatically credited to the balance of your personal account in the project.

If the refback is paid manually, then you need to go to the personal account of my blog and leave a request there. See detailed rules below.

• How to order insurance?

Insurance is provided to compensate for losses of investors in the event of a project scam. Insurance can be open or hidden. Compensation is also ordered in personal account blog.

Detailed instructions and rules for ordering insurance can be found on the page below. Please note that there are more than 600 reviews. Often insurance covers 100% of partners' losses.

• How to properly analyze projects?

In order to include only the best HYIPs in your portfolio, you just need to follow my blog. I myself evaluate projects and add hype from the best admins.

If you want to analyze projects yourself, I recommend starting with this article: .

• How to keep track of new projects.

Very simple. All you have to do is subscribe to my (

Smart investing is the key to a highly secure future. By placing free money in promising investment projects, you have the opportunity to significantly increase your wealth. What instruments are potentially profitable and what kind of profitability they can bring to a novice investor, we will analyze in detail in today’s article.

You can invest your free money in these projects:

Sources of investment

The question of where to get free funds is asked by those people who are already thinking about their future. As you know, there is no such thing as too much money. Therefore, if you do not purposefully take measures to accumulate capital, then there will be nothing to invest. So where can you get free money to invest?

Let's consider 3 reliable options:

1. Save 10-20% of your salary . This option always works. It is important to determine how much money can be withdrawn without consequences. If you find it difficult to save money and the temptation to spend it is great, you can start. True, there are not many options and they are not so profitable compared to investments of 100,000 or more. But you can view investing a little money as a temporary milestone that will take you to a big goal.
2. Borrow money from relatives . Not the best idea, but it has its place. Moreover, parents can donate initial capital to a good cause free of charge.
3. Additional income . As sources of additional earnings, you can consider overtime work at your main place of work or short-term options with low pay. Of course, you will have to work more. But it's worth making the effort to earn passive income in the future.

TOP 17 ways to invest free money

So you have some capital and you want to make it work. Below is a list of 17 working ways where you can invest your free money. All you have to do is adapt them to suit yourself and depending on the ratio of income and degree of risk.

1. Bank deposit

It makes sense to invest free money in a bank when you need to save up an emergency reserve just in case. In addition to time deposits, interest on contributions is quite cheap. Therefore, you should not count on good dividends even from a large amount. Anyone who decides to place savings in a bank account amounting to more than 1,400,000 rubles needs to divide it and put in different jars . To in case of default the state reimbursed the investment in full.

2. Securities

Shares are one of the most attractive, but also the riskiest options. As practice shows, it is better to entrust the management of securities to experienced professionals, although they cannot guarantee income. The peculiarity of this method is that there is no upper ceiling for profit or loss. In each case everything is individual. Of course, you can predict the main trend based on past experience, but this does not always work.

Read our review about how to avoid mistakes that 90% of novice investors make, and.

3. Real estate

It’s a fairly popular method to spend free money. After all, investing means getting the opportunity to quickly earn income and cover mortgage payments with it. However, it must be taken into account that if the apartment is not rented out for some reason, money must be paid from your own pocket. In the case where housing is purchased for equity, you will receive stable profits with minimal risks. It is most profitable to rent out an apartment for offices and other commercial premises.

4. Binary options

With their help, every investor has the opportunity to make money on shares of popular companies, banks and corporations. The way options work is structured like this: either you get the maximum profit, or in case of failure, you completely lose it. The risks are high, but so are the rewards can reach 70%.

Making money on options depends on whether or not you guess whether the price of a stock will rise or fall at a certain time. You can buy them at different times, starting from 1 minute and ending with months.

Option investing is done through a broker and requires knowledge of the basics fundamental and technical analysis.

5. Microfinance organizations

7. Business

One of the most controversial investment options. On the one hand, with the right choice of niche, it can bring the greatest profit to its owner. On the other hand, you cannot hope for long-term income without constant contributions to the development of the project. An alternative solution is a franchise, but here you will face strict restrictions from the franchisor.

Read separate publication, and you will find out what other pitfalls await you in.

8. Precious metals

13. Own website

Creating a website is one of the most popular ways to invest savings and for this there are a number of reasons:

• small initial investment;
• efficiency of creation;
• you can start earning money right away;
• passive income in the future.

With all the advantages, it is worth considering that competition in this area is huge.

And before starting a project, you need to understand all the possible methods of monetization and promotion. Ideally, the investor should deal with these issues independently, then the income will be maximum.

14. Social networks

The topic of making money on public pages social networks does not lose its relevance. There are active discussions on the Internet about whether it is still possible to make money from your group or whether the train has already left. It is difficult to answer this question unambiguously. In any case, those who started a couple of years ago have clear advantage. In general, everything depends on the investor’s organizational skills and experience in promoting projects.

In any case, doing social networks yourself, you won’t need a lot of money. If the circumstances are successful, you will receive a good income from selling advertising; if the experience is unsuccessful, nothing will prevent you from selling the unprofitable group.

15. Education

At the beginning of your career, it is very important to invest in gaining knowledge. New skills provide an opportunity to establish yourself as a competent specialist and earn more money for a comfortable life in the future.

16. Structured products

A stable way to invest your savings, which gained popularity at the height of the crisis and is still in use today. The idea is to divide your capital and invest the bulk of your investment (80%) in bonds and the remainder (20%) in futures and options. This combination allows the investor, if successful, to receive up to 40% profitability, and if unsuccessful, to remain with his funds.

Please note comparison table below (click on the image to enlarge it):

Based on it, we can conclude that structured products have the highest returns with relatively small investments.

Profits may be higher if we are talking about, but it is important to carefully monitor news and analytics.

17. PAMM accounts

Investing in PAMM accounts is a transfer of free money to a trader for temporary disposal with the aim of increasing it as a result of trading activities on Forex. The peculiarity of such investments is that deposits are protected from possible fraud on the part of the account holder. If you lose, losses are distributed among all account participants, including the manager, which is an additional motivation for successful trading.

Conclusion

As you can see, there are many worthy options where you can invest your free money. The threshold for entry into the listed alternatives is affordable, so you can try all the tools and determine the one that suits you with virtually no financial losses. We, in turn, wish you not to be afraid to try new things, because this is the only way to gain experience and develop investment intuition.

Related Posts

Last update: December 27, 2019

Good afternoon, dear readers financial magazine "site"! IN lately Online investing is becoming increasingly popular. Today’s publication will be about them.

Readers of our article will find a lot of interesting things in it, namely:

• What are the features of investing using the Internet?
• What advantages do online investments have, and what problems may novice investors encounter?
• What are the most popular ways to invest online?

We also tried to answer questions that most often arise from those who are interested in investing on the Internet.

This publication will be especially interesting for those who want to make money using modern methods investing using the Internet. Read about all this and much more right now!

About investing on the Internet: where to start investing and where you can invest money online, we will tell you in this issue

Many Not suspect that the Internet is not just an information space. Energetic and enterprising people, who also know how to think analytically, not only communicate and have fun on the Internet. The network provides such people with enormous opportunities to realize their potential. As a result, some people end up with quite serious money.

Do you want to earn money without leaving home, with only a computer and Internet access? Then promising financial instruments that allow you to invest online are just for you.

Any reasonable person wants to gain financial independence and work for himself. Ideally, income should be passive , that is, after a certain time, a person spends a minimum of time on work, while receiving maximum profit. This can be achieved if you make smart investments.

Using online investments, you can get:

• stable income that does not require labor investment;
• confidence in the future;
• free time that you can spend as you wish.

Any adult should understand that the main wealth is time. If all of it is spent on earning a living, then years are wasted. There is no opportunity to communicate with loved ones, engage in creativity, travel, or engage in self-development.

This vicious circle can be broken if income does not depend on the time spent on work. Those who did not receive a huge inheritance from their ancestors can be advised to use investments. After all, they are an example of an affordable and very effective option. passive income.

However, it should be understood that it is not enough to invest in the first project that catches your eye. An important condition without which it will not be possible to achieve success is smart approach to investment .

In addition, you should not think that you will be able to get a lot of money without making any effort. In order for passive income to start bringing in money in the future, you need to make every effort in the present.

Every step in investment must be carefully considered and it is important to invest safely and after careful analysis.

We should not forget that any investment involves certain risks. And you need to be mentally prepared for this.

2. Advantages and disadvantages of investing online 📊

Investments using the Internet, like any financial mechanism, have their own advantages And flaws . Without knowledge of these features, it is impossible to competently manage invested capital.

The advantages of online investing are:

• high profitability;
• opportunity ;
• free work and rest schedule;
• there is no need to have a large amount of money to start making a profit;
• ease of control;
• the ability to withdraw funds at any time in the required amount.

Despite the significant advantages, investing via the Internet also has a significant disadvantage. It can be described as risk of loss of funds . In principle, such risks are inherent in all investment products, but they are especially relevant for online investments.

There are several components of this risk:

• ineffective conduct of activities by the investment company;
• investor mistakes;
• bankruptcy of various companies;
• hacker attacks;
• unforeseen circumstances.

The first point relates to trading risk . An investor can influence it. It is enough to competently and carefully analyze investment instruments and companies before investing in them.

The remaining points relate to non-trading risk . Even experienced and very competent investors cannot influence it. But don't be afraid. The situations described do not occur very often. The likelihood that an investor will be exposed to non-trading risk with online investments is no greater than with other investments.

Thus, a whole range of benefits Internet investing. They are quite simple and intuitive.

Flaw such investments have only one - risks. It is important to know about them in order to take all possible measures to prevent them.

To make it easier to understand the risks, let’s summarize them in a table:

3. How and where to start investing on the Internet - 5 main conditions 💰

The main goal of beginners in the field of investing is financial independence . Everyone wants to achieve it with the least financial and psychological problems. However, making a profit from investments is impossible without prior preparation.

At the same time, you need not only funds to start investing, but also a certain baggage of skills And knowledge. Read about where you can get money for investment.

It is also necessary to remember that there is a huge amount of scammers , who deceive money from gullible investors. It is important to be able to identify them and beware.

A huge number of investment options can drive beginners into a dead end. Moreover, some of them require serious financial knowledge, which means they are not at all suitable for beginners.

All these factors lead to the fact that a number of conditions are imposed on newcomers to the online investment market.

Basic requirements for beginners when investing online

Condition 1. Having at least minimal knowledge in the field of finance and economics

No one will dive deep unless they know how to swim. But a lot of beginners try to invest without understanding economics at all. As a result, instead of tangible profits, huge losses are obtained. This is why you should not invest even in a seemingly very successful project without knowledge of the basic principles of successful investment.

At the same time not necessary have a higher economic or financial education. It is quite possible to study the principles and mechanisms of profitable investing yourself. This won't take too much time.

It is best to start with the forums and blogs available on the Internet on relevant topics. After this, you can start studying specialized publications.

Don’t be afraid, a huge number of books have been written completely understandable And accessible language . And they are no less useful than most abstruse literature.

With a great desire and due diligence, it is enough to spend about two weeks.

A good example of useful literature is the book "Rich Dad's Guide to Investing", written by Robert Kiyosaki.

WITH a brief overview You can familiarize yourself with the (contents) of the book by watching the video:

Condition 2. High-quality Internet access

An important condition for successful investment is stable and high-speed Internet. Often this factor has a significant impact on the success and profitability of investments.

It is not only the presence of a stable connection that is important. All payment systems and wallets used when working with money must be financially secure. This will help protect your funds.

Condition 3. Resistance to stress

To be successful, an investor must be able to tolerate high levels of stress. It is equally important to have the right psychological attitude.

Any normal person will worry if he has to lose his money. It is important that these experiences do not become an obsessive fear, otherwise they will prevent you from soberly assessing the situation and making an informed decision.

You should be prepared for the fact that it is impossible to make a quick profit from investments. It is important to be prepared for the fact that you will have to wait quite a long time for results (especially at the beginning of your investor journey).

The first successes may not appear until a few months later. Moreover, The rule of thumb in investing is: the longer the investment period, the higher its profitability.

Condition 4. It is important to be objective

An investor must be able to soberly assess the opportunities available to him. No one has yet managed to earn more than the chosen investment instrument allows.

Investments should be made gradually. Before doing this, it is important to set specific goals for yourself, as well as determine the time frame for achieving them.

Condition 5. The investor must be prepared for financial losses

Any investment involves the risk of losing part of the invested funds. For beginners, the level of risk is much higher, because they do not have experience in effective risk management.

Investors should understand that it is not possible that absolutely all transactions will be profitable. Some of them will be unprofitable in any case.

No one can get rid of losses, not even professionals. It is important to be able to treat losses calmly, not make spontaneous decisions and conduct a thorough analysis of the situation.

If all the above conditions are met at the same time, the likelihood of making a profit from the investment increases significantly.

At first glance, it seems impossible to fulfill them. However, with experience, the attitude towards them changes and the above rules seem to be self-evident.

Proven ways to invest money online

4. Investing on the Internet - TOP-15 ways to invest money online 📝

Those who have even a small amount of free cash tend to save it. But this is not enough. I would also like to increase them. We already talked about this in the last issue.

Currently available various options investing. Among them, investments via the Internet are becoming increasingly popular. They are extremely diverse.

Method 1. Forex

One of the most popular ways of online investing is investing in Forex. The trader deposits funds into a trading account and makes a profit by conducting transactions on the foreign exchange market. Income is generated by changing exchange rates of currency pairs. You can start by reading our article.

On the one hand, investing in foreign exchange transactions on Forex is akin to investments. However, on the other hand, it is weakly similar to passive income.

To make money, you will need a certain amount of knowledge, as well as time spent on conducting transactions and analyzing the market situation.

At the same time, income can be obtained much faster than with other investment methods (in a good situation, even up to 1 month).

When trading binary options, an investor can pay attention to any, even minor, market changes. In any case, you can get tangible income. This is another thing advantage of binary options, since when investing in other instruments, you can earn a good profit only on significant fluctuations.

Binary options trading is easy to understand. It doesn't matter how many points the price changes. If it goes in the direction desired by the investor, even with a difference in 1 point the investor will receive a predetermined amount of profit.

A binary option is based on an asset. It could be not only currencies, but also securities, precious metals, indices and so on. Thanks to this diversity, the investor has the opportunity to more actively pursue a policy of risk diversification. Moreover, the liquidity of binary options is at a fairly high level.

Without a doubt, success when investing in binary options requires significant effort and mastering a fairly large layer of information.

The use of such a financial instrument also attracts investors because in the binary options market you can actively develop, apply and test your own trading strategies. Moreover, even small market fluctuations can bring significant income.

Method 4. Shares (stock market)

Another investment method that undoubtedly deserves attention is investing in shares. However, there is no way to eliminate certain risks here. We wrote about trading on the stock market (securities market) in a separate article “”.

Previously, online investing in stocks was associated with simple and large earnings. However, now, after the financial crisis, the shares of even the largest companies, which are called blue chips , have lost their positions. Moreover, in today's situation, it is becoming increasingly difficult to correctly predict their behavior.

Investors should understand that investing in stocks only brings tangible returns in the long term .

You can earn money in two ways:

1. On the Internet, investors most often engage in speculation in stocks (they buy cheaper and sell more expensive). But such operations are associated with increased risk due to instability of quotes and the possibility of a fall in the exchange rate. Helps reduce risk choosing the right stocks for investment.
2. Income from shares can also be obtained in the form of dividends . They are paid to shareholders every year. Before receiving income in this way, it is important to find out which shares pay dividends and in what amount.

To trade stocks online, you must obtain a digital signature. You can trade through a special interface on a specific website or in a program provided by the broker.

Depositing funds to the site is possible in cash and non-cash form. Electronic wallets (for example, WebMoney) are used much less frequently. You can most often withdraw funds only to a bank account.

The investor should not forget that taxes must be paid on the income received from trading shares. Individuals transfer to the budget 13 % of profit.

Online investing in stocks has both advantages and disadvantages:

• Plus speculative transactions with these securities is high profit level.
• Cons somewhat more. This is the need to pay tax as well extreme market instability.

In addition, unlike most other ways to make money online, when trading stocks, it is almost impossible to withdraw profits to electronic wallets.

Method 5. Investment in gold

Gold is very interesting investment instrument. For many years now, its value has been continuously increasing in the long term. This is why gold can be used when need to save And increase a fairly large sum of money. But this metal is not suitable for quickly generating income. The fact is that today gold is already quite expensive, and the growth of its value has begun to slow down.

You can invest in gold via the Internet using WebMoney. Since 2007, this electronic money system has had a function for selling gold. This function is implemented through the opening of a WebMoneyGold wallet, in which funds are stored in gold 995 samples.

The account currency is measured in wmg, the unit of this value is equal to 1 gram of gold. The guarantor of the transaction is the company WMMetalsFZE, which is located in the UAE. Its website contains all the information necessary to work with gold accounts.

There are several ways to buy gold in the form of wmg:

• using online exchangers;
• through the automatic exchanger wm.exchanger.ru;
• by transferring money to your account.

The investor is given the opportunity, if desired, to exchange wmg for gold bullion. However, for this you will have to come to the WMMetalsFZE office.

But it is worth considering that purchasing bullion is less profitable than buying electronic gold, since bullion is taxed tax. Naturally, additional payments increase investment costs.

Thus, the benefit of online investing in gold is price stability. However, one cannot count on significant profits in today’s situation, because the value of the asset has almost reached its maximum today.

Method 6. Precious metals in the form of compulsory medical insurance

Various precious metals (eg gold, platinum and silver) If desired, you can buy virtually. This can be done by using impersonal metal accounts (OMS) .

Compulsory medical insurance is an excellent way to invest as this instrument is tax-free. In addition, compulsory medical insurance guarantees a stable, reliable income. This is due to the continuous growth of precious metals over the long term.

Investment in unallocated metal accounts is carried out according to the following scheme:

1. Opening a metal account in a bank;
2. Depositing metal into the account in terms of monetary units.

Traditionally, compulsory medical insurance opens for 12 months . Subsequently, at the request of the client, such an account can be extended.

The profitability of impersonal metal accounts is determined by changes in the cost of metals on markets within the country and around the world. Taking into account the fact that the price of precious metals decreases very rarely, investing in compulsory medical insurance for a long period of time practically guarantees an increase in the amount in the account.

1. "Ultima" has been operating on the Russian market since 1996. This company offers investors a large number of investment instruments to choose from. Among them there are investing in gold. Ultima's features include investment insurance. Investors are offered support with all the necessary information and analytics. Ultima guarantees that all operations carried out are completely transparent; if desired, the investor can receive a report on the status of his investments at any time.
2. "SotsAgroFinance"– a company that deals not only with financial transactions. But also production. She specializes in investing in precious metals, and also gold mining industry. Investors are offered deposits with a fixed return. The company attracts funds to the real production sector. Despite the fact that the project is still very young, experts consider the company to be a promising participant in the financial market.

Method 7. Websites

One of the most popular ways to invest money online is investments in internet projects(websites, online services) with subsequent monetization. For this it is necessary create new(See) or purchase an existing website . It is important to evaluate the benefits of investing in such a resource, promote and monetize it.

The level and regularity of profits received are largely determined by how much effort (and money) is invested in its development. If you don’t take care of your website, it will very quickly stop attracting an audience, and your profits will dry up.

The downside to using websites as an investment tool is the need to invest not only money in it, but also some effort. That is, this tool is more akin to work than passive investing.

Method 8. Startups

Those who are interested in investing in startups should remember that no one can guarantee that the project will bring profit. Moreover, Experts consider the following indicators normal: 20 % of invested projects bring profit, 60 % - pays off the remaining investment 20 % fail completely.

By the way, in one of the previous articles we talked about it in simple words.

The volume of investment in startups is unlimited. You can deposit several thousand rubles or millions of dollars. It is important to remember that the amount of investment should be determined in accordance with an objective assessment of both the project itself and its team.

It is best to invest in those projects that are already developing and beginning to bring certain results. In this regard, startup projects that have just appeared or are even at the planning stage are less preferable.

It is important to remember that investing money in new projects is quite risky. However, if successful, such an investment can bring much greater profits. At the same time, the huge amount of resources on the Internet has led to the fact that in order to achieve success, a project must be inimitable and unique.

When searching for a promising startup, experts recommend paying attention to those resources whose topics correspond to an area in which the investor is quite well versed.

When the project is selected, the terms of cooperation and investment should be discussed with its owner. It is at this time that two important investment points are determined:

1. In what form will the investment be made? This could be cash, a domain, or other investments.
2. How will the investor receive income?, for example, in the form of a return of invested funds with interest, or the investor will take a certain share in the startup.

It turns out that investing in startups has significant disadvantages. This is a high level of risk as well as a significant investment. At the same time, the success of the project will allow you to make huge profits.

Method 9. Online stores

IN modern world The Internet provides the opportunity to actively trade almost anything. At the same time, you can quite successfully promote not only various goods and services, but also websites, as well as various intellectual products and information.

However, the development of online platforms requires investment of funds, which can sometimes be quite significant. However, their owners do not always have such funds.

As a result, in order to implement the project and start receiving income from it, its owners are looking for investors. For investing their money in the project, the owners pay investors quite high interest rates.

Method 10. Investing in domains

There are a huge number of sites on the Internet. Therefore, many beautiful domain names have been taken for a long time. That's why it appeared new look generating income - buying and selling domains.

The profit from such investments can be quite significant. Those who bought website addresses at the beginning of the 2000s for about 500 rubles, they can sell them today more than 20,000. It turns out that the profit from such a transaction is about 250% per year.

If you manage to purchase a two-letter domain, you can sell it for about 10 000 dollars. Meaningful website names even cost several tens of thousands of dollars. Stories are known and transactions for exorbitant sums are known - near million dollars.

Register a beautiful website name today almost unrealistic, because most of them have been occupied for a long time. You can make a significant profit if your domains are associated with popular events. But you will have to react incredibly quickly.

It turns out that online investing in domains can be done exclusively on the secondary market. In other words, you can buy domains at online auctions or from their direct owners. True, after this you will have to be able to sell them at a higher price.

It is almost impossible for a non-specialist to invest in domains. This requires not only spending a huge amount of time, but also making every effort. It is important be able to assess the prospects of the purchased domain. If you do not do this correctly, situations are possible when investments not only will not bring income, but will not pay for themselves at all.

Therefore, investing money in domains is most often done professionals. If an ordinary investor decides to use this tool to make money, he should take into account the following rules:

1. You should not invest in domains from exotic countries. They are quite expensive, but the prospect of their prices increasing is rather doubtful. Experts are considering the possibility of increasing their prices after the good addresses in the zone run out com. But no one can guarantee that a new English-speaking zone will not appear. That is, purchasing such domains involves significant risk.
2. When purchasing, it is best to choose names that carry meaning. Popular english words, as well as high-quality transliteration of Russian words, especially if they relate to commercial topics. Two- and three-character combinations, as well as beautiful combinations of letters and numbers, are also valuable.

Based on these criteria, the investor must be prepared for significant financial expenses, which usually start from five thousand dollars. More affordable options are often offered on domain forums.

Thus, investing through the acquisition of domains is characterized by significant profits over a long period of time (more 5 years). The disadvantage of such investments is that best names sites have long been purchased, but investing in the secondary market is associated with significant risk.

Method 11. Online debt service WebMoney Debt

You can choose one more for investment interesting tool – debt service , which offers an electronic wallet system WebMoney.

There are several advantages of this option:

• high interest rates (often reach 25 -100 % per annum);
• there is no need to spend a lot of time.

All this makes such investments an excellent option for passive income.

How does this work

The borrower opens a line of credit, the size of which can reach 10 000 wmz. He also receives trust limit , which allows you to characterize how wealthy and reliable he is.

The borrower can choose the appropriate loan terms: amount, term and interest rate. In this case, the settings are made through the service WMTransfer.

Loans can be issued both to those whom the investor knows and to complete strangers. To minimize the risk of issuing a loan, you need to carefully study the data of the borrowers to whom the investor plans to issue a loan.

Particular attention should be paid to the size TL. This indicator determines degree of trust to the borrower from other users of the service. Especially large borrowers have a limit that exceeds 50 000 points. But also smaller values can also be quite good indicators.

Debt service has another way of protecting creditors. If the borrower for some reason does not repay the loan, its payment will be made at the expense of the funds of other creditors who have opened a trust limit for this borrower. That is, the insolvent borrower will be opened new loan, with which the old one will be closed.

Also, when borrowing in the WebMoney system, an important indicator is the so-called business level (B.L.). It allows you to determine for what purposes borrowed funds are used.

An investor who decides to invest money in loans through this service needs to take into account several points:

• As soon as the borrower is selected, the conditions for issuing a loan are set through the WMTransfer service. It is on the basis of these conditions that the investor will be able to claim his funds.
• Next, the money is transferred to the borrower’s account. For this, the electronic wallet system charges a commission - 0,8 % of the amount. When repaying the loan, the commission will be paid by the borrower.

However, there is also a disadvantage to this type of investment. It lies in the fact that after the borrower has been determined with a trust limit, he may not use it immediately or may not take out a loan at all. There are many reasons for this, For example, at this moment the borrower does not need money or he has other trust limits (quite possibly on more favorable terms).

Method 12. Issuing money to an online lending service

With this method of investing, the investor can no longer determine the terms of the loan himself. He selects loan services with parameters that he considers optimal. After this, the investor lends his money to the resource. Most often, the loan term is from 1 to 6 months, A interest rate is about 25 %.

It turns out that in this option the borrower is some service online loans . May also borrow funds and resources for currency exchange on the Internet.

To search for this type of borrower, an investor can use search engines or statistical data provided by the WebMoney electronic money service.

Thus, issuing loans to various services is a good way to earn passive income. However, do not forget that he has a high level of risk. This is due to the fact that there is a possibility of non-repayment of the loan.

Method 13. Budget machines

Another interesting way to invest online is budget machines (BA). It is provided by WebMoney through the portal shareholder.ru.

Budget machines use the electronic monetary unit wmz. There are BAs closed And public. For investment apply public . They are similar to joint stock companies that sell their shares to the public.

By going to the above-mentioned portal, an investor can see which shares of budget machines are put up for sale and at what cost. Most often they offer their shares online lending services , as well as various exchangers .

By analogy with shares, an investor who purchases a share receives the right to vote on decisions regarding the management of the budget machine. The BA that has placed the shares undertakes to buy them back at a price that is below the market price. In addition, the investor who purchased the shares is entitled to dividends , which make up 25 -40 % and may be paid several times during the calendar year.

In general, participation in budget slot machines is a fairly profitable online investment tool. The risks include the possibility of a fall in the market value of the share, as well as fluctuations in exchange rates.

Method 14. Private online lending

You can invest money online through private lending . This can be done either directly or by using the loan exchange offered by the WebMoney electronic money service.

The operating principle is quite simple. Borrowers place loan applications on the exchange. Investors, studying their list, select those borrowers who are most suitable for them. It should be borne in mind that the best applications are processed very quickly. Therefore, investing your money in a short time can be quite difficult.

When searching for a borrower, an investor should pay attention to a number of important parameters:

• BL of the potential borrower (must be no less 200 );
• the presence of a so-called personal certificate, which means that the borrower has confirmed his personal data in the system;
• whether the user has a positive borrowing history.

This approach helps the investor to significantly reduce the risk of non-repayment of funds. Moreover, lenders who have quite a lot of experience develop their own ways to check the borrower. They also create blacklists, which include users who are considered unscrupulous. This allows investors to significantly reduce the possibility of fraud.

All of the above applies to lending using the WebMoney service. If the investor decides to issue a loan directly, he can use a variety of professional resources to find a borrower - communities And forums . The advantage of this option is that the investor can communicate with the potential borrower directly, after which he forms his own opinion about him as a person.

Regardless of how the borrower is searched, there is a certain risk that the loan funds will not be returned. The so-called risk diversification.

In other words, the investor can distribute the funds that he plans to invest, between several borrowers. It turns out that even if one of the borrowers does not repay the loan, the investor’s losses will be covered by the income that he will receive from other loans issued.

Experts do not recommend this method of investing for beginners. This is explained quite simply– lending to a small number of borrowers is accompanied by a high level of risk, and the income is significantly lower than desired.

To really get big profits from online lending, you need to spend a lot of time working with them and minimizing risk.

Method 15. Hype

There are other interesting investment projects on the Internet - these are HYIPs . This concept was formed as an abbreviation from the English phrase H igh Y field I investment P rogram. Translated into Russian this means investment program that brings high income .

HYIP is a project that promises investors a high level of income. As with any other investment product, high returns for hype come with significant risks.

Some people believe that hype represents usual fraudulent scheme. However, many investors manage to earn significant profits from them. To do this, it is enough to select a project in which the circulation of funds will be as transparent as possible.

It's important to understand that any hype has a limited lifespan. Especially honest companies openly tell investors about this.

To make good money on hype, you should follow a few simple rules:

• funds should be invested as early as possible from the moment the project appears;
• investments must be divided between several HYIPs (at least three);
• It is best to withdraw profits in parts;
• Before investing in a project, you should carefully familiarize yourself with the principles of the project.

Compliance with all the above rules will help you get good money from investing in HYIPs.

Thus, you can find a large number of investment tools on the Internet. They all have How advantages, so flaws . To make good money, it is important to choose the right instrument.

The choice of investment object also depends on how much money the investor has. In one of our publications we talked about (half a million), a million or more to earn.

To make it easier to choose an investment instrument, we summarize their main features in the table.

5. TOP 7 golden rules of online investing 💎

Many people perceive online investing as a great way to make significant profits. It is quite natural that a large number of beginners decide to start investing. However, many of them make the same common mistakes.

However, most problems could be avoided if you follow a number of investment rules, which experts call gold. As soon as beginners learn, understand these rules and begin to actively use them in their activities, the profit from investments increases significantly, while the risks are reduced.

So, what rules should you remember and follow?

Basic rules for online investing

Rule 1. Do not invest funds that do not belong to you

You should never invest money that you borrow. If there is any mistake in choosing an instrument, you will not only lose money, but you will also have to pay back the funds to the lender. Therefore, for those who do not have money, it is best wait and collect the amount necessary for investment.

Rule 2. Don’t invest your last money

You can't invest all the money you have available. It is important to remember that investments always involve significant risks of losing funds. Therefore, the investor should always have a certain financial reserve, the so-called airbag .

Then, even in the event of an unsuccessful investment, he will not be left without a livelihood and will not lead his family to a situation where it will not be possible to pay even mandatory payments and there will not be enough money even for the most necessary things.

Rule 3. Develop an investment plan

An investor is unlikely to succeed if Not develop an investment strategy. Moreover, the absence of a pre-developed strategy leads to the fact that the investment cannot be called a full-fledged investment.

It is important not only to carefully consider your action plan. It is advisable to write it down, and then try not to deviate from it. Any changes to the strategy should be made only after a thorough analysis of previous investment results.

You cannot change the plan at the time of investment based only on emotions and momentary desires.

Rule 4: Continuously increase the amount invested

All investment instruments involve investing money with the aim of making a profit. Naturally, the level of income depends on the amount invested. Therefore, you can increase your income only regularly increasing invested capital.

You can increase your invested capital by saving money from your main source of income. There is another option - not withdrawing the earned profit in full. Part of it can be used to increase the invested amount.

Investors are constantly debating how much to increase their capital each month. Like all other parameters, the amount of increase should be set purely individually. Someone believes that in order to quickly achieve financial independence, one should invest all available funds. To others It’s difficult to save even a small amount.