Million dollar idea: list of business ideas and interesting facts. What business can be opened for a million rubles Open a business for 1 million rubles

Instruction

One of the most popular areas of business is trade. For one million you can rent a small store or mini-market, obtain the necessary permits and licenses and purchase goods. The sale of food products, on the one hand, is more profitable than non-food products. On the other hand, it is more troublesome: increased attention from the SES, separate licensing of certain categories of goods (tobacco, alcohol), spoilage and drying out of products due to natural reasons. In addition, there is intense competition from large food supermarkets. Trading non-food products is comparatively less complex, but the chance of going bankrupt is higher.

One of the promising trading options is opening an online store. One million is enough to immediately start a serious business, or buy a ready-made one. This option is advantageous in that there are no costs for renting premises and salaries for sellers. But you will need to pay for the services of specialized companies that create and promote websites.

For a million you can organize a small supply of food, building materials. The products that will be produced must be in demand on the market so that there are no problems with customers. But competition in production should not be too intense. The advantage of this line of business is the ease of obtaining various types of government guarantees, subsidies and benefits.

Another popular area is the provision of services. With 1,000,000 you can open a car wash, a hairdresser or a massage parlor, a company for organizing events, a canteen or cafe, a team for renovating apartments and building country houses - whatever your imagination is enough for.

For those who wish to work alone but do not have professional knowledge in any field, purchasing a commercial vehicle may be a good option. A million is enough for a medium-duty truck, minibus or taxi. Very often, drivers who take out a loan for their first truck can afford to hire a driver or buy another car after just a few years.

For those who do not want to spend too much time on business, it is recommended to invest a million in securities, real estate or someone else's business. When investing in securities, you should really imagine what kind of financial instrument it is, not chase excessive profits, and rationally distribute money between reliable and profitable assets. Investments in real estate are possible in regions where for a million you can buy an apartment at the construction stage, and then resell it at a profit, or receive income from renting it out.

You will learn which business to invest a million rubles in to make a profit, which investments are the most promising, what you can invest 1,000,000 in so as not to go broke

Greetings to our readers! Regular authors and creators of the online magazine “HeatherBober” Alexander and Vitaly are with you again.

Today we will talk about large monetary investments and tell you how to increase your capital in the safest way possible.

The article will be of interest to entrepreneurs, money makers, investors and people who want to improve their level of financial literacy.

Let's start, friends!

1. Large financial investments - how to invest money wisely

A million rubles is quite a suitable amount to make profitable investments and provide yourself and your loved ones with a comfortable and comfortable life for the next few years.

Today we will not talk about how you can earn a million rubles - there are many original and useful publications about this on our website (for example, “”). We will talk about how to manage such money as productively and wisely as possible.

In this article we will try to answer the question in detail and thoroughly: where to invest 1,000,000 rubles in order not only to save, but to increase money?

What are the benefits of large investments?

The rule is true for them: the larger the investment amount, the higher the interest.

Choosing an investment object is a responsible matter that should be approached intelligently and armed with knowledge.

You should not invest your entire million in one direction - this greatly increases the risk of total loss of capital. Even the most reliable banks in the world do not provide a 100% guarantee of the safety and multiplication of money.

Conclusion

Investments should be divided into several parts: diversification of deposits (as it sounds in the language of financiers) reduces the risk of loss of capital many times over!

And a few more rules for smart investing:

1. Determining the risk-return ratio. Any transactions with money involve some degree of risk. You need to invest so that the probability of receiving income significantly exceeds the risk of losing capital.
2. Invest only working capital. Never operate with money that is needed to pay for vital things - food, housing, health, education of children.
3. Don't make emotional gut decisions. Final conclusions regarding investments are made after a comprehensive analysis of the situation. Only a reasonable approach guarantees stability of profits and safety of money.
4. Engage professional consultants. Specialists will help you avoid common mistakes and conduct transactions more competently. Even a few extra percent of profitability in the case of a million means tens and hundreds of thousands of rubles.
5. Don't invest under pressure. It doesn’t matter who is putting pressure on you - relatives, friends, partners - the decision on deposits should be made by you personally.

It is also important to decide in advance on the purpose of investing. Long-term deposits are radically different from short-term ones. Quick profits increase risks; investments for long periods are more reliable.

If your goal is to create permanent passive income, use more conservative investment tools. If you need to turn around capital in the shortest possible time to purchase a certain thing (a car, a house, a sailboat), it is more profitable to use more aggressive investment methods.

An alternative investment option is to purchase a ready-made franchise business. The good thing about this scheme is that it is guaranteed to work. The risks are minimal, and the commercial effect is known in advance.

We even have a specific offer - a franchise of a Japanese restaurant chain. Why this project? It's simple - our good friend named Sergey has already invested money in this business and is already receiving a stable profit. Sergey invested 1.5 million in opening a restaurant in the “island” format and recouped his investment within six months.

Another plus in favor of the project is the prospects of the niche. All over the world there is an outflow of visitors from expensive restaurants to more affordable and affordable ones. Sushi Master is just an example of such a retail outlet. 120 restaurants have already been opened in 8 countries. All of them bring decent income to their owners and use effective marketing technologies.

2. Where is it better to invest 1,000,000 rubles - 6 ways to invest profitably

Smart investments are the key to a calm future. Financial independence gives you the opportunity to do what you want, and not what life circumstances oblige you to do.

It’s great when work is both a hobby and a favorite thing, but in practice, most people are engaged in low-paid wage labor, dreaming of travel, relaxation, and meaningful communication with friends and family.

If you are reading this article, it means that you are already changing the situation for the better or sincerely want to do so. To bring you closer to your goal, we have selected 5 investment methods: the most popular, the most reliable, the most profitable, the most conservative and the fastest.

Choose which method suits you best in accordance with your personal goals, ambitions, and other objective and subjective factors.

Method 1. Real estate (the most POPULAR method)

When it comes to saving large financial assets, average citizens think about two things - bank deposits and real estate. We will talk about the first option later, we will consider the second right now.

Real estate will always be in demand, since housing is one of the basic human needs. Everyone needs a roof over their head, which means apartments and houses will always be a popular and reliable way to invest capital.

Apartments will allow you to receive 2 types of income:

1. Rental income.
2. Income from sales.

Renting is a typical type of passive income: receiving money without labor costs. You have a profit based on the right of ownership and do not make any efforts to obtain a monthly profit (daily, if the apartment is rented daily).

While the apartment is rented by other people, it remains yours, and its value on the real estate market gradually increases. At any time, you can sell the apartment for more than what you bought: the difference in cost plus rent will be net income from investment.

Some make money exclusively on purchase/sale transactions.

There are several options for such operations:

• you buy real estate, wait until prices rise, and sell it;
• you buy an apartment in disrepair, make repairs, sell it at a price exceeding your costs;
• you buy living space at the stage of construction or foundation of a house, and sell it after the facility is put into operation at a high price.

There is one “but”: during economic downturns, real estate usually falls in value and provides low returns throughout the crisis. During such periods, it is better to refrain from sales and make money exclusively from rent.

Method 2. Bank deposit (the most RELIABLE method)

Whatever one may say, bank deposits remain the most reliable and affordable way to increase capital.

In addition, in Russia, for example, the state protects the interests of the depositor - the bank client receives an almost 100% guarantee of return of funds with the promised interest, since by law all deposits of individuals up to 1.4 million rubles are required to be insured.

This method of investing cannot be called very profitable. The maximum that banks promise to citizens is 10% per annum, in rare cases 12%. In conditions of stable inflation, real profits will be even less.

Of course, a million is a good amount, promising 100,000 income per year for storage, but if prices rise by about 10-13% during this period, the real profit will fluctuate around zero.

A more expedient way to increase and preserve finances through banks is to transfer capital into euros and dollars and store it in them. True, the interest rate for deposits in foreign currency is much lower.

Use the services of large banks that are included in the TOP 50 or TOP 10 most reliable financial institutions in your country.

Such institutions, as a rule, have government support, which increases safety and provides psycho-emotional peace of mind.

Banks are an excellent option for long-term preservation of funds. If you need money in a shorter period of time, it is worth considering other (more aggressive) investment options.

When making deposits, study the terms and conditions in advance. When comparing deposits, users and banks themselves focus on interest on deposits. But this is not the only indicator of profitability.

The total profit also depends on:

• from capitalization of interest;
• from the possibility of replenishing deposits;
• from the conditions of account closure.

The more freedom of action the deposit agreement gives the client, the lower the percentage of income. But if you choose a complex formula for calculating interest (with monthly capitalization), profitability can be increased.

Method 3. Own business (the most PROFITABLE way)

A starting amount of one million rubles is an ideal base for starting your own business. It’s not for nothing that we called this method the most profitable - there are no profit limits for business. In a year you can double or triple the amount of the initial investment and even increase it 10 times.

There is another danger - losing your money by investing it in an unprofitable enterprise. To prevent this from happening, experts advise investing in a business that is close and familiar to you.

For example, a very good option for investing your own money is “Business with China”. By purchasing a test batch of goods, you can sell it with a markup of up to 500% and increase your capital by 3-5 times. Some of my friends are already doing this and earning up to 700,000 rubles a month net.

There are certain subtleties in the “Chinese theme,” but everything can be learned. If you are interested in creating a business on Chinese goods and turning over a million rubles, we strongly recommend doing this under the guidance of an experienced mentor.

If you are interested in starting and developing a business with China, we recommend watching a video in which student Evgeniy shares his financial and other successes after completing the training:

As you can see, you should choose an area in which you feel like an expert, and the chances of successfully promoting your business will increase significantly. But it is not enough to understand the business; it is important to finance the enterprise as competently as possible.

Remember

90% failed business projects become such at the launch stage!

Any business is competition and struggle.

Despite the fact that today many entrepreneurial skills can be learned, the basis is still the nature of the personality of a particular person - his character, his style of thinking.

If you have weak nerves and lack toughness, if you initially do not enjoy the idea of ​​solving a huge number of problems every day, negotiating with everyone: suppliers, employees, regulatory organizations - it is better not to start a career as an entrepreneur at all, but to choose more “peaceful” ways of multiplying capital .

And now the current trends for choosing a business direction:

1. Car wash. Even in large cities with a large number of such services, motorists often have to stand in line to wash their car. Considering that the number of cars is constantly growing, this business will always remain profitable.
2. Mini-hotel (hostel). Another problem of large cities is the lack of affordable housing for visitors. If you start a business of this type in the mid-price category, you can recoup your investment in just a few months.
3. Mini bakery. Bakery products are an essential commodity. Demand for it does not depend on the time of year or the state of the economy. The profitability of such a business is approaching 100% - the main thing is to competently establish a sales market.
4. Online store. With 1 million rubles you can organize profitable online trading of the most popular goods and at the same time promote your website according to all the rules of effective SEO optimization.

By the way, we already wrote about that in one of our publications.

There are no unique get-rich-quick techniques. Every business requires 100% involvement in the process, at least in the first years of its existence. It takes hard work to turn a business into passive income, but at this stage the profits will be stable and high.

Read about that in a separate article on our resource.

Method 4. Precious metals (the most CONSERVATIVE way)

Investments in gold have been profitable throughout human history. Precious metals are not subject to corrosion or deterioration, and their reserves on the planet are limited. It's no surprise that the prices of gold, platinum, silver and palladium are always rising.

There are several ways to invest money in gold and precious metals:

• buying gold bars;
• buying coins;
• investments in shares of gold mining enterprises;
• opening a gold deposit.

Gold bars are the easiest to purchase. All major banks sell them, issuing a certificate for the goods sold. Remember that transactions in precious metals in the form of bullion are subject to an 18% tax.

Example

If the annual increase in gold price is 5-10%, when selling bullion a year after purchase, you will lose 8-13% profit on VAT. When purchasing precious metals, you should count on a long-term investment when the profit exceeds the tax percentage.

The coins are not subject to tax, and some of them also have collector's value. However, real profit from coins can also be obtained only a few years after acquisition.

An unallocated metal account (gold deposit) is suitable for relatively short-term deposits. The advantage of this method is that you don’t need to buy anything, which means there are no taxes.

You simply open an account, and the bank agrees to pay the required amount after a certain period of time at the gold rate. This is the simplest and safest option, especially if the account is insured along the way.

Method 5. PAMM accounts (The FASTEST way)

Investing in PAMM accounts means transferring your finances to trust management of financial transaction specialists. You give your money to the company, professionals put it into circulation and try to make a profit.

The management company invests money in stock markets or other promising areas, and you simply wait until the time comes to withdraw profits from your account. Investments in PAMM accounts are a typical example of passive income with relatively low risks.

To earn income from stock trading, you do not need to have specific knowledge: your task is to find a profitable company and trust it with your money.

The secret of success lies in the right choice of a PAMM account. To place your capital in good hands, you will have to spend a certain amount of time and effort comparing management companies. But the result will be appropriate.

4. Minimizing risks - how to protect large capital

Many people dream of owning their own business, but to open one, you need a certain amount of start-up capital. When it is relatively small, many questions arise about what you can do.

For example, there are 1,000,000 rubles available. For the province, this is a considerable amount, but it is not enough to form a large business; today for that kind of money you cannot even buy a one-room apartment, much less open a manufacturing enterprise. How can you start a business with a million rubles?

Some business ideas worth a million rubles

Small health food store

Today, health food stores are quite in demand. For example, you can open a health department that will offer vegetarian products, herbs, and elixirs. The range of such products is constantly expanding, meaning it will not be difficult to find suppliers. The main task is to find a passable place, as well as sellers who are knowledgeable about this product, who could easily convey the necessary information to the consumer.

You can invest one million only if you rent the premises. As a result, the main expenses will go to rent, purchase of necessary equipment, advertising, and the first batch of goods.

Small car service for a million

For one million rubles you can organize a small car service, which can later be supplemented with a car wash and a shop for selling automotive goods. To organize this business, you need to rent a room, for example, a garage. Main expenses: purchase of necessary equipment, advertising, rent. Also, to implement this idea, you will need experienced craftsmen who are able to do all the work quickly and efficiently. Over time, this will provide an opportunity to expand the business and increase the customer base.

Lunch delivery

For one million rubles you can organize your own lunch delivery business. You will need a small food workshop to produce products and transport to deliver them to customers. For a business to get off to a good start, you will need your own website with quality content. This will help attract a large number of customers. Prepared lunches are best offered in large office centers, since office staff very often eat lunch at work. There is one peculiarity for this business - registration of sanitary documents for the proposed product.

Fortune telling agency

A good business idea is to open a fortune telling agency. The most important thing here is that it is located in a fairly crowded place, then the likelihood of a good flow of people is higher. And the main problem is the selection of professional personnel in this service sector. The rented premises will need renovation and decoration in the appropriate style. In parallel with the provision of fortune telling services, you can sell various talismans and souvenirs that correspond to your business idea. To ensure profit from this business, you need to make yourself known through good advertising.

Demand for competitive products, services, presence of competitors

When considering a specific business idea, it is necessary to analyze it for a specific locality: how much demand is there for this or that product or service among the population, as well as the presence of competitors.

For example, in a small town people are interested in healthy food, but there are no specialized stores for this. Some goods can still be purchased on the market, but various herbs and elixirs appear in pharmacies, but not in sufficient quantities to satisfy the needs of everyone.

A car repair service exists in every small area, which is quite enough to maintain the entire vehicle fleet of a small town. Several large companies are already delivering meals throughout the city, with which it will be very difficult to compete. There are already several fortune telling salons in the province, and it is quite enough to open a business in this direction.

After conducting such a small analysis, it immediately becomes clear which business ideas are best set aside, and in which direction you can start working. For example, of the types of business analyzed above, the freest niche for organizing your own business turned out to be a store selling healthy food.

Such products will be purchased not only by people who are completely off meat, but also by athletes and people who want to lose weight.

The most popular direction for starting your own business for a million rubles

Trade has always been the most popular type of business. For a million rubles, for example, you can rent a small shop, fill out the necessary documents, obtain permits for trade, purchase in-demand goods and earn money.

Trading is undoubtedly a profitable business for 1,000,000 rubles, but it also has its own nuances. Selling food products is considered more profitable than selling non-food products. This is true, because food products are purchased first of all, as they are necessary to maintain the vital functions of the human body. But a grocery store is quite a troublesome task: some groups of goods require a separate license, possible problems with the SES, high competition from large supermarkets, and on top of all this - food spoilage.

The most promising trading option today is the Internet, that is, for one million rubles you can open an online store.

With this option, there are significant savings on renting premises and sellers, but investments are required for professional website promotion.

A million rubles no longer represents an unattainable and exorbitant sum of money. However, it will be quite enough to open your own business, which is guaranteed to be profitable. Let's weigh the prospects: which business for 1,000,000 rubles can become the most successful and promising?

What prospects does a million open up?

Today, one million is not a very large sum, but with such starting capital, a resourceful and enterprising person will have an excellent chance to change his life for the better.

Depending on personal preferences and capabilities, you can try your hand at opening a business with a budget of 1,000,000 Russian rubles in areas such as:

• trade;
• production;
• provision of services.

When choosing a direction for your future business, it is important to consider many factors:

• own interests and desires;
• level of awareness and professionalism in the industry of interest;
• demand and relevance of business in your region;
• possible prospects and risks.

As a rule, most aspiring entrepreneurs who own a start-up capital of a million rubles consider trading as the very first option for their business.

This amount will be quite enough to rent a free space, the area of ​​which can be approximately from 35 to 100 sq.m. - it can be equipped as a store or a small market.

To succeed in this direction, you need to choose your product wisely. A great success in this regard will be the ability to offer potential clients something that is very popular and relevant, but at the same time not very common.

It should be noted right away that organizing a business selling food products is much more difficult compared to non-food types of goods:

• this will require additional licenses for certain products;
• is subject to increased control by the sanitary and epidemiological station;
• These products are not immune to the natural process of drying out and deterioration.

Keep in mind that by opening such a business, you are taking on a huge responsibility.

Trading non-food products, although it does not involve any special difficulties, still has an increased chance of going bankrupt. To avoid this, you must initially take a very responsible approach to choosing a product - its range should differ significantly from what competitors offer.

Organizing trade through your own online store will allow you to save money - in this case you will not have to hire employees or rent premises. True, significant sums of money will need to be paid to highly qualified specialists who create websites and are also responsible for their security and effective promotion.

Opening your own production

One of the most promising and profitable business ideas for one million rubles is opening your own small production facility. The choice of directions here is quite wide: you can engage in the professional production of construction and finishing materials, clothing or footwear, furniture, food products and semi-finished products - in short, something that will remain relevant and in demand at all times.

When writing a business plan, it is necessary to take into account such types of mandatory expenses as:

• renting the most suitable premises;
• purchase of professional equipment;
• acquisition of necessary patents.

High profitability is not the only advantage of a manufacturing business. There is a simplified procedure for obtaining additional financing for this industry.

Thanks to government support programs, entrepreneurs receive guarantees for bank loans and subsidies for the purchase of equipment.

Services sector

Humanity will always need quality professional services. Therefore, those who want to create a profitable and profitable business worth a million rubles should turn their attention to such areas as catering establishments, automobile workshops, repair and construction companies, fitness clubs, massage salons, hairdressers, as well as agencies for organizing holidays and special events.

By showing your imagination, you can find many other interesting areas for implementation: the main thing is that they are appreciated by your potential clients.

With a starting capital of one million rubles, you can open a profitable, profitable and promising business. The main thing is not only to choose the most suitable idea, but also to constantly develop and improve it.

Where to start your business. How to start a small business from scratch: Video

Many of our compatriots, when asked how much money they need to be happy, answer without hesitation: “One million rubles.” Well, this is a large amount and can really make a person happier.

But where can it be spent? Different people think differently, and their answers will be correspondingly different. But the main directions can be called:

buy a car;

build a house;

quit your job and never work;

put it on deposit and live off the interest.

All of these options are, of course, good. But the more money a person has, the more difficult it is for him to part with it. And soon, having bought what you want, a more advanced model will be desired.

The option of investing all your funds on a deposit is also not entirely correct, since all the money will depend on the bank, which may “burst” the next day. In addition, the interest rates that banks offer on deposits can only barely cover the level of inflation in the country. How to be?

Looking for the right answer

For those people who have the spirit of an entrepreneur and are looking for the right answer to the question of where to invest 1,000,000 rubles to earn money, the ideal option would be to open their own business or invest in someone else’s business. But not everyone is able to do this, and especially competently build a working scheme according to which the invested funds will not only pay off, but also bring enviable income.

In this article we will try to answer the question of where to invest 1,000,000 rubles to make money by analyzing the current situation in the economy and the best business ideas of our time.

If you think that you need to ask yourself such questions only after you have actually earned that amount of money, then you are deluding yourself. You should always set a goal and imagine what you will do when you achieve it. After all, making a fortune is a thankless task and requires a lot of effort. And managing your earnings correctly is even more difficult.

Don’t know where to invest 1,000,000 rubles? The top business ideas below will help you make your choice.

Making money from trash

If just yesterday garbage was a panacea in developed countries, today waste recycling is one of the most developing areas of business.

While entrepreneurs from other areas complain about the lack of raw materials, in this case there will always be some kind of garbage that can be recycled and get a lot of money for it.

This is facilitated by the constant development of technology, which makes it possible to make something worthwhile even from ashes. Science makes it possible to use various waste elements even to create biologically clean fuel. This is the future.

In addition, recycling, for example, glass or metal allows the material to be used again. This means that such waste can be processed an infinite number of times.

Profitable investment

Of course, in search of a place where to invest 1,000,000 rubles to earn money, you definitely need to turn your attention to waste recycling. Opening such a business will require a lot of money, but this amount is quite enough if you manage your money prudently.

The main tasks will be the purchase of special equipment and the establishment of transport links with the source of raw materials and end consumers of the processed product.

Do you consider this business unaesthetic and do not want to work with garbage? Remember: Although with modern technology everything looks much better than before.

Mobile cafe

Are you looking for where to invest 1,000,000 rubles to earn money, but want something that is not as costly and risky as the previous one? A mobile cafe on wheels could be your answer. All you need is a converted van and a little imagination in its design.

Let's talk about statistics right away: out of ten new cafes or restaurants opened a year, about 8-9 close. If we talk about a mobile cafe, then such cases are only 20%. Experts say that this new thing appeals to people, and also helps its owners avoid many of the risks that exist in the restaurant business. Your “feeder” will not be tied to the same place, where a cafeteria that opens next door will steal some of the customers.

In addition, your cafe may move to a place where some holidays are being held at the moment and, accordingly, there is a large flow of people. Perhaps mobile coffee is one of the best answers to the question of where to invest 1 million rubles in order to make a profit.

If you manage to come up with some challenging idea, theme and cuisine in your establishment, and also open several such points, thereby covering large areas, then you will start making money very soon.

And you will find very few competitors, since this type of business in the Russian Federation is only in its infancy, which makes it even more attractive. However, experts say that in 2-3 years a wave of mobile coffee shops will already fill large and medium-sized cities in Russia.

Not new, but changing its shape vending business

Unfamiliar word? Remember the machines with carbonated water back in the distant times of the Soviet Union. The essence of the vending business is the placement of automatic machines that are capable of serving passers-by in one area or another.

Despite the fact that this type of business appeared in Europe in the 17th century, in the Russian Federation it is developed rather poorly and is mainly focused around coffee and shoe covers. The full potential of this type of service has not been fully realized.

A new trend is vending machines with healthy food. Yes, you won't believe it! Coca-Cola and chips, which you can buy by throwing a coin into a machine, are a thing of the past. The modern world cares about its health.

Imagine a network of special machines that help people eat healthy and healthy. Considering that low-quality goods containing GMOs, preservatives and other harmful additives are increasingly appearing in stores today, your business will flourish.

Install at least 5 devices

If you like this type of business and, when choosing rubles (1,000,000 rubles), you decided on vending, then consider the following nuances. Beginners always think that by placing 1 machine in a crowded place, they can make money. This is a misconception.

For payback within 1-1.5 years, experts advise installing at least 5-6 machines. Of course, places with large crowds of people are important for business, but you need to choose them so that this crowd is interested in your products. That is, passers-by must want to use such a machine. It follows from this that in wealthy areas and private sectors the placement of devices will be inappropriate.

They should be located near and in business centers where mid-level personnel work. There should also be places nearby where you can exchange or withdraw money from your card to pay for the machine’s services.

Particular attention should be paid to the performance of the machines: if the client gives his money at least once, and the mechanism does not give him the desired product, then the person will never come to this place to buy again, having painted it in all colors in front of his relatives and friends.

Perhaps you shouldn’t give up the idea of ​​investing in a bank?

The above ways to make money with your money are definitely good. They are based on the example of outstanding people who were able to earn their ideas not only for bread, but also for an entire kingdom.

But if you don’t like them and you are still looking for how to profitably invest 1 million rubles to earn money, consider the deposit offers of banks. Of course, this must be done wisely. But if you skillfully place your funds in financial institutions, you can earn money while minimizing all risks. How to do this, we will consider further.

Spread your money across multiple financial institutions

Never deposit all your money in one bank. In this case, you risk being left without funds too much. Experts advise dividing your finances into several parts (preferably at least 5) and, after analyzing market conditions, place them on deposits in different banks.

Moreover, the bulk of the money should be placed in financial institutions with a worldwide reputation or national (state) status. Other commercial banks are much more often exposed to the risks of bankruptcy.

For convenience, issue a plastic card to which interest will be transferred monthly or at the end of the deposit period. This method will not bring you super profits, but it will keep your money safe and allow you to earn at least a small but necessary penny.

There are many more ideas

If you are thinking about where to invest a million rubles (1,000,000), the various ideas given above will certainly come in handy. However, don't despair if you haven't found a suitable option.

In fact, there are quite a lot of sensible thoughts and business plans. Alternatively, try to learn from the experience of foreign countries, where the level of services, services and goods is superior to domestic ones. After all, if there is something not yet in the country, then either no one knows about it, or others have not yet had time to adopt the basics of business.