Investment from scratch for dummies. How to start investing from scratch? Investments from scratch for dummies Beginning investor from scratch

Do not think that working with investments is only for those who have an impressive amount of money on hand. Absolutely everyone should be able to properly manage their savings. Whatever your savings are, it's better to use them than just keep them at home. So they will bring you real income, and will not be eaten by inflation.

The main danger for every novice investor is the lack of information. It is impossible to start working with securities without knowing the basic principles of the functioning of the market and the rules of behavior on it.

Theory and practice are equally important: you need to understand the structure of the market and see how it responds to certain events in order to predict possible changes and respond quickly to them.

If you want to learn how to trade on the stock exchange on your own, you should take a training course on the Investment 101 portal. The theoretical blocks here are illustrated by practical tasks for the implementation of foreign exchange transactions, and professional traders and analysts of the BCS company act as experts.

Now we will talk about what should not be done in any case. So, here is a list of common mistakes of those who are just starting to work with investments.

1. No investment goal

If you don't know why you want to invest, think twice if it's even worth it. It is the goal that determines the investment horizon (the period during which you plan to invest money), the strategy and methods for achieving the desired result.

The choice of behavior depends on what you want to do: increase existing capital for the sake of making a large purchase, save money for the education of children, or create a savings fund for a comfortable life in retirement.

There are two main goals of investing: saving capital and its increase. In the first case, you save your money from inflation, in the second, you also earn money. Of course, you can go beyond one goal and work on several tasks at the same time. In this case, it is necessary to create and manage an appropriate number of investment portfolios, each of which will have its own strategy.

2. Choosing the wrong strategy

To put it simply, an investment strategy is a road that will get you where you want to go. You yourself choose: to go along a deliberately safe and longer path, or to cut straight, but to face certain obstacles. Are you ready to take a risk and allow a temporary drawdown of capital, but make good money in the future, or do you prefer a small but guaranteed income? The purpose of investing will help answer this question. How much time do you allocate to achieve it - more or less than three years? This period is the boundary between short-term and long-term investments, and the choice of the approximate duration of work in the market largely determines the nature of your actions.

If you expect to achieve what you want in one or two years, you should not invest in assets that are not currently profitable, in the hope that someday they will grow in value.

A good help will be a test to determine the risk profile, you can pass it by registering on the Investment 101 portal. As a result, you will receive not only a description of the necessary behavior in the market, but also an indicative investment portfolio - a combination of instruments with an indication of potential profitability.

3. Preference for one type of investment

The advice that you should not keep all your eggs in one basket is given by absolutely everyone who has experience with securities. This is especially important for novice investors who have not yet learned to choose with absolute accuracy the only asset where it is worth investing all their money. Remember, the more components your investment portfolio has, the lower the risk of failure. Even if you prefer one instrument - stocks, for example - divide your investments equally among different companies and industries. So you protect yourself from unnecessary worries and in the event of unforeseen situations, do not let fear take precedence over a sober calculation.

4. Fear of being left with nothing

Always remember that investing is not a casino. When we talk about risk here, we don't mean losing every last penny of your money.

You can control the risk in investing, as well as decide when it's time to stop.

You set for yourself a level of drawdown in securities that will not cause you to panic and thereby disrupt the course of the investment strategy. This is especially important in the case of a long-term placement of funds, when at some point the shares noticeably lose in price, but later win back the fall. In order not to make a mistake in choosing, carefully study the history of the company whose securities you want to purchase. Don't invest in areas you don't understand. If in a familiar situation you are ready to make approximate forecasts, then a new industry may have completely different laws of development. Do what you are sure of, and do not worry in vain.

5. Orientation to the opinion of the majority

Market trends sometimes change literally in the blink of an eye. You have to follow them, but you don't have to follow them. If everyone is buying stocks of one company in bulk, think carefully about whether you need it. Their price is growing by leaps and bounds, but at any moment it can stop and go down, so the benefit from such an acquisition is very doubtful. It is not worth it to hastily dump assets that are getting cheaper: in the future, the situation may even out, and you will remain a loser. Of course, if the company you own shares in is rapidly sinking and is about to go bankrupt, it is better to get rid of its securities, but in general you should not copy the behavior of the crowd. Emotions are not the best assistant to an investor. Just remember that the difference between buying and selling should always be in your favor.

Hello, dear readers of SlonoDrom.ru magazine! Almost every one of us someday thinks about where to invest money so that it works and brings a monthly income.🙂

There are a lot of investment options! Not all of them are effective, and what to hide, there are often simply fraudulent organizations whose only goal is to get money and hide with them forever. I know this firsthand!😀

In this publication, I will try to tell you in detail about the most relevant and proven areas for investing money in 2019! And of course, in practice, we will try to objectively figure out where it is more profitable and best to invest our money.

You will also learn about where you should not invest your money so as not to lose it!

And most importantly, I will share with you my life experience , concrete examples And useful tips , which will allow you to invest money correctly and receive high passive income!👍

Regardless of what amounts of money you are going to invest: small or large - this article will be most useful for you!

In addition, you will learn:

• What are the investment options, what is their yield and which one to choose?
• Where can you profitably invest money on the Internet?
• How to invest money in order not to burn out?
• And also about where it is better not to invest your money!

Get comfortable and we'll get started! The article turned out to be a bit long, because I tried not to miss anything important. I hope I succeeded!😉

1. What is important to know about investments?

First, what you need to know before investing your money anywhere is that you only need to invest your free cash ! In no case do not invest the money that you badly need and, moreover, do not get into debts, loans and credits.

Nobody gives an absolute guarantee that you will multiply the invested money! There is always a risk of losing money, even if it is an investment with a high guarantee (such as government bonds or bank deposits).

This must always be remembered, because investments can both bring profit and losses!

Secondly, before investing your money somewhere, you need to actually evaluate what exist risks and what profitability can be obtained from this or that investment.

Usually the risk is proportional to the return, i.e. The higher the return, the higher the risk and vice versa. But this rule does not always work.

But in any case, who does not take risks, he does not earn. It is always necessary to take meaningful risks!😉

In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:

• profitability,
• risk,
• payback period,
• minimum investment amount.

And also consider all the pros and cons of each investment option.

Third to reduce risks, it would be logical diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.

For example, you can distribute like this:

1. conservative portfolio (bonds, real estate, precious metals…) — 50% of all funds;
2. moderate portfolio (mutual funds, shares, business projects...) - 30% of all funds;
3. aggressive portfolio (currency market, cryptocurrencies…) — 20% of all funds.

❗️Important:
There is no need to invest all your money only in instruments with a very high yield, since in this case the risk of losing your money will also be very high!

And many people, on the contrary, strive to receive the maximum income, but at the same time they completely forget about the risk. And as a result, because of greed, they are left with nothing.

Investing is first and foremost risk management! First of all, you need to take care not to lose money. Profit is the second thing.

And if you still have little or no experience in investing yet, then start investing with minimal amounts and avoid high-risk assets.

Read this article to the end, because at the end of the article you will learn about other important investment rules!👇

2. Where is it better to invest money in 2019 - TOP 15 profitable investment options

So, let's finally look at the options and decide where you can profitably invest money so that they generate income!

Option #1: Bank deposits/savings accounts

DESCRIPTION: The easiest and most affordable investment option for everyone is ordinary bank deposits (deposits). In Russia, the annual interest rate on them is on average from 6% to 8%.

Deposit rates have been falling steadily in recent years and will likely continue to fall in the future.

How to make money on the growth of stocks - an example of Google

For 3 years, Google shares have grown by more than 100%!

For these purposes, the so-called "individual investment accounts" (IIA) are suitable, which, for example, can be opened in Finam or BCS (and even in the same Sberbank).

☝️ In addition, if you invest money for at least 3 years, you can get a personal income tax deduction (13%), i.e. in fact, you will not need to pay income taxes! Such preferential conditions were developed by the state to support and develop investment in the country.

But of course, there are many nuances that must be considered when investing in stocks. Risks are always and everywhere - you should not forget about them!

The biggest risk for stocks (for those who bet on their growth) is the financial crisis! The rest of the time, stocks generally grow steadily and show good profitability.

Also, as an option, you can invest money in a group of shares, i.e. so-called indices (they show the economic situation in the country), for example:

• RTS (50 largest companies in Russia),
• S&P500 (500 largest US companies),
• NASDAQ (US 100 high-tech companies).

If you do not want to personally invest, then there is an option to entrust the money to professional managers. But I will elaborate on this below.

CONCLUSION: With proper management, shares can bring good returns, many times higher than the interest rate on bank deposits. But at the same time they are more risky assets.

Yield:	Risk:	Payback:	Minimum investment:
15-100% per annum (share price change + dividends)	depends on strategy	1-7 years old	from 5-10 thousand rubles
(⭐️⭐️⭐️ - medium/high)	(⭐️⭐️ - medium/high)	(⭐️⭐️ - medium)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) With minimal/moderate risks, relatively high returns can be obtained.	(+ ) High liquidity - at any time you can quickly sell shares and get money in your hands. Low entry threshold.	(- ) Knowledge is required. Uncontrolled risk and "flirting" with the market can lead to significant losses.	(- ) In the event of a crisis, stocks can seriously and quickly fall in price.

Option #4: Bonds

DESCRIPTION: Where do you think big banks invest their money? Mainly in bonds! Yes, they give a small income, but with a high guarantee and reliability. Especially if you take government bonds.

Along with bank deposits, bonds are considered one of the easiest investment tools. But unlike bank deposits, the rate on bonds is much higher.

For those who do not know, a bond, if in a simple way, is an IOU. Both large companies and states can act only as borrowers.

? By the way, Sberbank and VTB24 have recently started selling national government bonds.If you invest for 3 years, then you can get an average return on them of 8.5% per annumX .

I agree, not very much, but the rate is certainly better than most currently available bank deposits. Moreover, in the future, interest rates on deposits may decrease.

You can also consider bonds of large reliable companies - the rates on them will be higher! For example, on Sberbank bonds, the average yield is approximately 9,2%-12,2% per annum (depending on the term).

At the same time, large funds can also be invested in bonds, since the security of funds here will be higher than, for example, in bank deposits, where only 1.4 million rubles are insured.

I also note that there are bonds, the yield on which can be dozens And hundreds of percent . But such bonds have a low credit rating (for which they are called "junk bonds"). Although they are able to bring a fairly high income, they are a very risky type of investment.

Bonds, as well as shares, can be bought through an individual investment account (IIA) without the need to pay income tax (if you purchase them for a period of more than 3 years).

CONCLUSION: Bonds are suitable for those who want to earn an average yield with a relatively high guarantee.

Yield:	Risk:	Payback:	Minimum investment:
from 7% to 15% per annum (for risky ones from 30% to 100% and more)	depends on bonds (very low for government bonds)	7-12 years old	from 10 thousand rubles
(⭐️⭐️ - medium/low)	(⭐️ - low)	(⭐️⭐️ - medium/low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) Optimal profitability combined with low risks. You can sell bonds at any time without losing income.	(+	(- ) Relatively low returns compared to stocks and some other assets.	(- ) There is a risk of bankruptcy of the issuer (especially for low-rated bonds). The lower the credit rating, the less confidence in him.

Option #5: Forex

DESCRIPTION: Forex is essentially a foreign exchange market where you can buy/sell this or that currency. This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).

Example!
For example, you bought 10,000 dollars at the rate of 57 rubles/dollar - as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles for 1 dollar, and you sold dollars.

As a result, after the exchange, you received 600,000 rubles, and the income, respectively, amounted to 30 000 rubles(of which the broker's commission is approximately 600-800 rubles).

On Forex, you can trade both yourself and give money to professional traders (this will be discussed in detail in the next section of the article).

When trading currencies on your own, it is very important to have trading experience from knowledge of the foreign exchange market . Climbing into the foreign exchange market just like that, in the hope of easy money, is not worth it (and when I did exactly that 🙂), as this usually leads to serious losses.

It is important to note that when trading personally, you need to follow a proven trading strategy, otherwise trading is likely to turn into a casino and lead to a sad result known in advance.

But on the other hand, if you observe risk (money management), manage emotions and trade exclusively according to the strategy, then you can really make good money on Forex. But this needs to be learned!

Although you can start on Forex with minimal amounts - from $ 1, you still need more or less serious investments (preferably from 100 thousand rubles), because even if you manage to increase the initial deposit by 10% per month (which is very good), the profit will not be so big.

As for me, one of the most effective trading strategies on daily bars is Price Action. There are many articles written about it on the Internet - if you are interested, read it!

Among reliable brokers, you can choose, for example, Alpari or RoboForex.

CONCLUSION: The Forex market is more unpredictable than the stock market, and therefore more risky. Nevertheless, with skillful investment, you can earn a high income. For those who are not ready to study seriously, this option is not suitable - it is better to consider PAMM investing. This will be discussed below!👇

Yield:	Risk:	Payback:	Minimum investment:
from 15% to 100% per annum and more	strategy dependent (initially high risk)	1-7 years old	from 100 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) If you have an effective strategy, you can get high profitability.	(+ ) Low entry threshold and accessibility.	(- ) High risks, especially for beginners. You can lose significant money in a short time if you do not manage the risk. 99% of newbies lose their money.	(- ) Training is required: special knowledge and experience, as well as the ability to manage emotions. There is no guarantee that in a given period you will make a profit.

Option #6: PAMM Accounts, PAMM Portfolios, Trust Management and Structured Products

DESCRIPTION: But this method is usually suitable for those who do not have experience and time to understand all the nuances of trading in financial markets (stock markets, Forex, oil, gold ...).

That is, in this case, you trust your money to traders - those who are professionally engaged in trading in financial markets.

All that is needed is to distribute the initial investment amount into parts (preferably at least 5-10) and invest in various managers.

For example, Alpari broker, which I mentioned above, allows this. The entry threshold here is only $10.

At the same time, traders are interested in increasing your money, since only from the profit they receive a small reward for their work.

⭐️ Oh profitability!
You can get quite acceptable income here - 3-10% per month with moderate risk! But even with conservative trading, 20-30% per annum is also excellent!

PAMM accounts and PAMM portfolios for investments must be evaluated based on at least 3 parameters:

• account/portfolio age,
• past earnings,
• funds invested by other investors.

Here is an example of one of the most popular PAMM accounts on Alpari:

PAMM account "Lucky Pound" and its profitability (click to enlarge)

💡 More than 500,000 dollars have been invested in this PAMM account (trader), its profitability for 3 years and 8 months was 2051%.

However, it should be taken into account that despite the fact that in the past the accounts/portfolios showed good returns, in the future there is a possibility that they will turn out to be unprofitable.

Therefore, I repeat, do not invest all your money in one trader! Constantly monitor the situation and get rid of accounts/portfolios that have been making losses for a long period. This is the whole secret of investing!

Read more about how to invest in PAMM accounts correctly (watch training videos) on the website tradelikeapro.ru. I use it myself, there is really a lot of useful information!

With a larger initial capital, you can work with large stock brokers (for example, Finam and BCS), which also provide various trust management strategies.

For example, on Finam in trust management, you can give from 300 thousand rubles. Their website features dozens of diverse strategies: conservative, moderate, and aggressive.

Of course, both brokers and managers also cannot guarantee 100% that you will receive income.

Here I want to tell you a few words about the so-called "structural products".

They are also intended for beginners who want to increase their money. Structured products can bring returns up to 100-200% per annum with minimal risks (the risk is strictly limited, there is capital protection - usually you risk only 10% of your investments).

The essence of structured products is that you also invest money in stock markets (more precisely, in specific stocks, futures ...), which, as experts expect, will rise or fall in the future.

It is usually possible to invest in such products from 3000 dollars and for a period from 3 months.

Here is an example of structural products on Alpari:

CONCLUSION: Trust management combines convenience, moderate risks and medium/high returns. Particularly suitable for beginners.

Yield:	Risk:	Payback:	Minimum investment:
from 15% to 200% per annum and more	depends on the type of strategy: conservative, moderate, aggressive	1-8 years old	from 500 rubles
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) By allocating funds to the most efficient managers/strategies, you can get a good average return. Suitable for beginners.	(+ ) The minimum amount for investment (especially in PAMM accounts) is quite low. You don't need to trade yourself.	(- ) Relatively high risks compared to bonds and bank deposits.	(- ) It is difficult to predict profitability, as there may be unprofitable periods. Managers need to be monitored periodically.

Option number 7: Own / partner business

DESCRIPTION: And this, in my opinion, is one of the most profitable ways to invest, which can bring you more than one hundred or even a thousand percent of income!

Of course, in most cases, business requires personal presence. But on the other hand, a business can automate the process or simply invest in someone else's business at the stage of development.

Another option is to buy a ready-made business or open a franchise business (in this case, the risks will be much lower).

At the same time, even if you have a small initial capital, you can still open your own business. Many people opened a profitable business with little or no investment, so money is not the most important thing here, the main thing is desire and aspiration!😀

I myself started a successful business several times from scratch! By the way, if you turn to statistics, then among millionaires about 70-80% - These are entrepreneurs who started a business from scratch!

✅Please Note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferred option!

As Confucius said:
« Choose a job you love and you won't have to work a single day in your life!«

And how to find your favorite job / business of life - read.

If you do not yet have a stable source of income, then first of all think about creating a business, even if it is small at first. The main thing in this business is not to be afraid take the first step!

Think about it, maybe you always wanted to open your own auto shop, hairdresser, sporting goods store or handicraft store?

Here are some more helpful tips:

1. Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not immediately invest a lot of money.
2. Choose niches with minimal competition - they are easier to start in.
3. If you have a small initial capital, then it may be worth trying a business in the service sector.

I will also give you a few options from my experience, how you can start a business with minimal investment, I think you will be interested!👇

Examples!
It is easy to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). I just started with this! 🙂

By the way, now goods from China are very popular, where the margin can reach up to 500-3000%. Including such goods are successfully sold through the Internet (one-pagers).

Another area where large investments are not required and it is not so difficult to start is a wholesale business via the Internet.

While both in the case of wholesale and retail sales, the goods do not have to be in stock - you can work according to the dropshipping scheme. The main thing is to find customers (you can do this for free on bulletin boards).

In short, the essence of dropshipping is that you work with a supplier who directly ships the product to the customer. He sells his goods and has income from this, and you get your margin on the sale.

Read more about how to organize in a separate article!

CONCLUSION: Business is able to bring very high profitability with minimal investment. In addition, business can be turned into a favorite thing that is interesting and wants to do!

Yield:	Risk:	Payback:	Minimum investment:
from 30% to 1000% per annum and more	High risk initially	from several months to 1-5 years	from 10,000 rubles (you can even start from scratch)
(⭐️⭐️⭐️ - high/medium)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low/medium)
➕ Pros and ➖ Cons:
(+ ) One of the highest yields among all investment instruments.	(+ ) It is easier for businesses to find partners and/or co-investors. You can start without large investments, the main thing in business is an idea!	(- ) High initial risks. 7-8 out of 10 start-up businesses close within 2-3 years. Low liquidity - it is difficult to quickly sell a business.	(- ) You need to understand the business and understand how it works, even if you invest in a "foreign" business. You need to constantly learn.

Option #8: Mutual Funds

DESCRIPTION: Mutual investment funds can also be attributed to trust management, which we have already talked about a little.

Mutual investment funds are professionally engaged in investment activities, investing and managing the money of their investors (invest in certain stocks, bonds ...).

Absolutely anyone can become a contributor, for this you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, shareholders make a profit or loss.

It should be noted that the activities of mutual funds are regulated at the state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.

Mutual funds usually give a low return (usually from 15 to 30% per year), with little risk. Here is an example of the yield of some mutual funds for 11 months:

Return on mutual funds for 11 months

However, mutual funds do not give guaranteed profits, unlike bonds and deposits - there are also often unprofitable periods.

But in general, if we take a period of 3-5 years, then many mutual funds show positive dynamics and make a profit (provided there is no crisis). Therefore, it makes sense to invest in mutual funds for a period of 1 year.

The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, such as Sberbank.

If this type of investment is right for you, then it makes sense to choose not one mutual fund, but several in order to distribute possible risks.

And make it a rule before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on the forums. With this simple action, you will protect yourself from unreliable and fraudulent organizations.

CONCLUSION: Mutual funds can be considered as an alternative to brokers who also invest money mainly in the stock market. In the absence of a crisis, they usually also bring good returns.

Yield:	Risk:	Payback:	Minimum investment:
from 12% to 30% per annum	moderate	3-10 years	from 1,000 rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The average yield exceeds the interest rates on bonds and deposits.	(+ ) Low entry threshold, as well as control over the activities of mutual funds by the state.	(- ) There is no guarantee that you will receive income. There is an additional "commission" (surcharge) for buying/selling units.	(- ) You will have to pay a 13% income tax - many other investments have preferential taxation conditions.

Option #9: Microfinance Institutions (MFIs)

DESCRIPTION: Another type of investment is investing in MFIs. The return on such investments averages from 12% to 30% per annum.

The minimum amount required to invest in MFIs must be at least 1.5 million rubles (according to the law).

The longer the term of the investment, the higher the interest rate. The minimum term in MFIs, as a rule, is 3 months.

It should be noted that in this case there is no deposit insurance, and in general the risks are much greater than if you invest in bonds or in a bank at interest.

If you still decide to invest in an MFI, be sure to choose a trusted company that has been operating on the market for more than one year.

⭐️ Good advice!
Look primarily at the "age" of the MFI, and not at the interest rate that you are promised.

After all, it is better to invest in a reliable organization at a slightly lower percentage than in a newly appeared MFI with a high percentage.

Additionally, it will not be superfluous to look at reviews and read articles on well-known information portals (for example, RBC) about a particular MFI.

If you want to know my opinion, then in my opinion, if you have investments from 1.5 million rubles, then it is more profitable and safer to invest in real estate than in MFIs! 😀

And besides, I myself do not take loans / loans (especially consumer loans) and do not advise others!😉

CONCLUSION: MFOs as a whole give 1.5-2 times more profitability than bank deposits. But there are corresponding risks as well. Yes, and the threshold of entry, to put it mildly, is rather big.

Yield:	Risk:	Payback:	Minimum investment:
from 10% to 30% per annum	moderate	3-9 years old	from 1 million rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium/low)	(⭐️ - high)
➕ Pros and ➖ Cons:
(+ ) High rate relative to bank deposits.	(+ ) Passivity of income. Minimal participation on your part.	(- ) Very high entry threshold. According to the law, MFIs are allowed to attract from individuals from 1.5 million rubles.	(- ) Increased risk, since there is no deposit insurance - in case of bankruptcy, no one will return the money. There is fraud.

Option #10: Precious Metals

DESCRIPTION: Another well-known type of investment is investing in precious metals, in particular gold. At the same time, such investments are highly reliable!

Investing in gold and other precious metals is especially important to invest during a crisis, since it is there that money migrates from the stock market.

Gold coins/gold bars can be purchased both at almost any bank (Sberbank, Gazprombank) and from brokers (for example, Alpari).

Despite the high reliability, investing in gold is more suitable for saving existing funds than for increasing them. In addition, such investments are designed for a longer term of 3 years or more.

Gold prices - chart

❗️ Over the past 5 years, gold in rubles has grown from 1,600 rubles per gram to 2,400 rubles per gram.

The total return for the five years was 50% (on average, gold rose by 10% per year) and this profitability was due to serious depreciation of the ruble.

However, if you look at the dynamics of gold against the dollar, you can see that gold has significantly fallen in price since 2012 and is currently in a sideways trend.

CONCLUSION: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term in order to save.

Yield:	Risk:	Payback:	Minimum investment:
from 3% to 15% per annum (in a crisis, the yield is higher)	Minimum	7-20 years old	from 1000 rubles
(⭐️ - low)	(⭐️ - low)	(⭐️ - low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) High reliability of investments. There is practically no risk of depreciation of gold. Easy to buy/sell at any time.	(+ ) Precious metals (especially gold) are a "safe haven". Investments in them are suitable for saving funds during a crisis.	(- ) Low profitability during the period of growth and development of economies. Income tax 13% on the sale of gold if the holding period is less than 3 years.	(- ) Relatively high commissions of banks/brokers when buying/selling precious metals, incl. gold.

Option #11: Cryptocurrencies (Bitcoin)

DESCRIPTION: Bitcoin has more than doubled in recent years and is apparently not going to stop. Already there are new millionaires who got rich solely on investments in bitcoin.

Of course, the best time to invest was a few years ago when bitcoin was worth about 150-200 dollars.

Some experts say that in the future, bitcoin could be worth hundreds of thousands of dollars and even possibly reach $1 million.

Others argue that bitcoin is about to crash. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that bitcoin and other cryptocurrencies will probably grow in price.

Especially while cryptocurrencies show a steady growing trend.

But you need to understand that any cryptocurrency is another bubble, since there is nothing real behind it, and yet it is a rather risky investment tool.

For example, bitcoin in just a day can rise or fall by 10-25% - It's quite common here. And in a year, you can both increase your investments by 3-10 times, and lose almost everything!

CONCLUSION: On the one hand, cryptocurrencies are too risky an instrument, and on the other hand, in case of growth, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for himself, one thing is clear - definitely you should not invest all your money in them!

Yield:	Risk:	Payback:	Minimum investment:
from 20% to 1,000% per annum	elevated	from 3 months to 1-5 years	from 100 rubles
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) In the case of the growth of cryptocurrencies, it is possible to multiply the invested funds in a short time.	(+ ) As a rule, there is no inflation due to the limited amount of issued cryptocurrency.	(- ) Very high volatility of cryptocurrencies, in a matter of days they can both grow in price and seriously collapse. Low predictability.	(- ) Cryptocurrencies are not backed by anything, as this is another bubble. The complete absence of guarantees - in case of loss of money, no one will return them.

Option number 12: Internet projects (online business)

DESCRIPTION: The Internet is developing at a tremendous pace, at the same time providing an opportunity for each of us to earn money in this global network.

It is important to note that large investments are not always required to promote a particular project on the Internet. Some of the projects can be started with minimal investment or even from scratch.

At the moment, the following directions are popular:

1. Sites. Information sites are created and filled with unique content.

With minimal investment, it is possible to receive high profitability through advertising. Usually the site starts to bring the first income in 4-6 months.

WITH 1000 visitors per day, depending on the subject, you can earn approximately 200-3000 rubles in a day. The spread is very large, since it depends on the subject of the site what income you will receive.

Earnings on sites are suitable even for beginners, since you can write articles yourself, and not order them on copywriting exchanges.

But still, in the beginning it will be necessary to delve into the essence and understand the key details of such a business.

2. Social publics. Surely, almost every one of us is subscribed to some kind of community in social networks (VKontakte, Facebook, classmates ...).

Meanwhile, the owners of such publics also earn mainly from the publication of advertising posts. In public with millions of subscribers, the cost of one advertising post can be worth 2-7 thousand rubles .

Publics with relatively small investments pay off very quickly. Although now the competition in the public is high, but if you choose the right topic for the public, post high-quality and interesting content and develop the public, then you won’t have to wait long for success!

3. CPA affiliate programs / traffic arbitrage. Their essence is that some business owners are willing to pay a certain percentage of the sale of their goods / services.

For example, if a person who clicked on your affiliate link opens a current account in a particular bank, then you can earn 2-3 thousand rubles

If you can effectively attract traffic through advertising, then it is quite possible to get a high return on investment. However, as you probably already understood, here the main investments go exactly to advertising.

But in this case, the main role is played by experience, without it, nowhere!

4. Online services. You can also invest in creating an online service. These include various freelance exchanges, message boards, exchangers…

For example, projects that are engaged in the exchange of electronic money are very popular (in fact, they are called exchangers).

For example, if you need to transfer money from a Yandex wallet to a Qiwi wallet, then the easiest way to do this is through exchangers. By the way, you can also buy bitcoins with the help of exchangers.

Exchangers, in turn, take a small commission for the exchange (usually 1-5% ). Due to the turnover, a fairly decent income is obtained.

5. Apps for iOS/Android. Since relatively recently, applications for Android and iOS have become very popular - this is a large segment of the market where big money is spinning.

Therefore, if you have an interesting idea that will be in wide demand, then it might be worth trying to create your own application.

❗️ For example, applications for the sale of air tickets are quite popular, here you can get quite decent affiliate commissions from airlines.

Even if you don’t know anything about how to create applications, you can create them for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.

Here, as elsewhere, it is the idea that plays the key role - the success or failure of the application depends on it.

6. Hype. HYIPs - in reality, they are a financial pyramid that lives off the funds invested in it.

Such HYIPs offer very high interest rates ( 1-5% per day) on the invested funds, but of course they can only function for a few days or weeks, after which they disappear without a trace.

There are HYIPs that “live” for several months or even several years, but the profitability on them, respectively, is several times / tens of times lower.

In any case, invest in such HYIPs Very risky , because the creators of these HYIPs and a small group of investors mainly earn money - who managed to withdraw money with a profit until the moment when the HYIP turned into a "scam" (stopped paying out money).

And yet, I strongly advise you not to invest in HYIPs, especially if you are not particularly versed in this.

CONCLUSION: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can give high returns with a minimum investment.

Yield:	Risk:	Payback:	Minimum investment:
from 30% to 500% per annum	moderate	from 3 months to 2-4 years	from 500 rubles
(⭐️⭐️⭐️ - high)	(⭐️⭐️ - medium/high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) High yield. The investment can pay off very quickly.	(+ ) Some projects can be started with minimal investment or even from scratch, investing only your time and effort.	(- ) There is a risk that the project will not shoot and will not pay for itself.	(- ) knowledge is required. You need to be well versed in the key nuances of the Internet business.

Option #13: Venture funds/investments

DESCRIPTION: Venture funds are especially widely developed abroad, in our country they are not yet so popular, but nevertheless they are a fairly profitable investment tool.

The essence of venture funds is that they invest money exclusively in projects that are at the development stage (startup) or even at the idea stage.

A distinctive feature of venture investments is very, very high profitability, they can bring thousands of percent!

But on the other hand, only 1-2 out of 10 projects shoot and bring huge profits. But despite this, they usually more than pay off all investments in "unsuccessful" projects.

☝️ Real example!
Today's largest companies Apple, Google, Intel ... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture capital investments.

Over the past 2 years, Apple shares have risen by about 5000 times! So if you were to invest in the early stages of a business 100 000 rubles, in 2 years your fortune would be already 500 million rubles .

You can invest in projects in startups mainly in several ways:

• crowdinvesting and crowdlending platforms (suitable for beginners);
• venture funds;
• investor clubs.

CONCLUSION: Yet venture capital investment is underdeveloped in Russia. Yes, and often a large start-up capital is required, and among crowdinvesting platforms (where the entry threshold is not high) there are often scammers. Meanwhile, venture investments can bring very high returns!

Yield:	Risk:	Payback:	Minimum investment:
from 40% to 3000% per annum	elevated	from several months to 1-3 years	from 10,000 - 100,000 rubles (in venture funds - from 500,000 dollars)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest possible profitability.	(+ ) Large funds are not always required to invest at the start of a project.	(- ) Very high risks, most start-up projects turn out to be unprofitable.	(- ) Fraud is widely developed - investment sites may turn out to be financial pyramids.

Option number 14: Art objects

DESCRIPTION: Another unusual way to invest your money is to invest it in art. This is a rather narrow and specialized market, however, it can bring good returns.

It's no secret that certain works of art can cost hundreds and even millions of dollars. And if you really understand art, then you can earn hundreds of percent of profit on investments.

❗️ The only important feature in this case is that such investments often require big investments . And besides, in order to get a good return, you need to invest for a long period ( decades ).

Like investing in precious metals, investing in art is not subject to inflation and will only cost more over time.

And the crisis practically does not affect the value of art objects.

CONCLUSION: This type of investment is suitable for those who understand at least something in art and are ready to invest money in the long term.

Yield:	Risk:	Payback:	Minimum investment:
from 20% to 100% per annum and more	minimum	usually 1 to 3-5 years	from 100 000 rubles and more
(⭐️⭐️ - medium/high)	(⭐️ - low)	(⭐️⭐️ - medium)	(⭐️⭐️ - high/medium)
➕ Pros and ➖ Cons:
(+ ) You can get a relatively high return with minimal risk.	(+ ) High reliability. Over time, art objects only grow in value.	(- ) Often, investments in art require a large initial capital and involve long-term investment.	(- ) You need to be a specialist, have specific knowledge and experience.

Option #15: Knowledge and personal development

DESCRIPTION: No matter how incredible it may seem, but always the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, gaining knowledge, experience ...).

It must be understood that the first knowledge/experience, and not money allows you to earn and multiply your own.

I think more than once you have heard stories that most people who have won millions in the lottery, after a few months or years, again returned to the life they lived before (or even fell even lower).

In addition, often in order to learn something, no investments are required at all - the main thing is that there is a desire, and everything else will follow!

If you have free funds, then it makes even more sense to invest some of them in your development: attend trainings, webinars and seminars.

One of the most important differences about investing in knowledge is that no one will ever be able to take it away from you. You can lose everything, but not the acquired skills and experience.

For example, an experiment was conducted in the USA: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - in a couple of months he managed to earn tens of thousands of dollars from scratch.

CONCLUSION: Therefore, if you still do not know where to invest your money, then the most win-win option is to invest it in yourself (at least some of it). And do not forget that even an unsuccessful experience is also an extremely valuable experience! 👍

Yield:	Risk:	Payback:	Minimum investment:
endless	minimum	from several weeks/months	from 0 rubles
(⭐️⭐️⭐️ - very high)	(⭐️ - very low)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The most important and most profitable asset in the world is knowledge, skills and experience.	(+ ) No one can take away your knowledge and experience, and you will always be able to turn them into money.	(- ) For many, it is difficult at the first stage to motivate yourself to study.	(- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience.

3. Golden rules for proper investment - TOP 5 tips

And now I want to introduce you to a few more very important investment rules that will help you manage your money properly!

First What I talked about at the beginning of the article is not to store all your eggs in one basket. This rule applies especially to you if you have a lot of money to invest.

Instead of investing everything in one instrument, distribute the amount equally among several parts. For example, into 3 parts and invest them in real estate, stocks, in a new business.

If you have very little money, then consider starting your own business.

Second- try to invest most of the funds (40-60%) in assets with the least risk, the best choice between profitability and risk, as for me, is real estate.

And remember that risk is what you need to think about first! Moreover, if you do not have experience and knowledge, then poking around yourself and investing all your money in high-risk instruments: Forex, stocks, bitcoins… hoping that you will quickly multiply them is by no means worth it.

Believe me, this is a tried and tested path, on which hundreds of millions of rubles have been lost!

It will allow you to survive unfavorable times and find other sources of income.

Fourth- create passive income so that you can receive money even when you are not working.

Fifth- Before investing your earned money in any particular organization, read reviews and comments about it on the forums. Make sure it's a real company and not a scam.

It will also be great if you learn how to give 10% of your profits to charity.

As Socrates said:
There is only one good - knowledge and only one evil - ignorance.

4. Where to invest money to earn money - specific examples

In this section of the article, I will tell you where, from my own experience, I would invest money, having this or that amount of investment available!

I will not consider very risky investment options in these examples. Consider only conservative and moderate-risk investments.

- Where to invest 100,000 - 200,000 rubles?

100 - 200 thousand rubles is not such a large amount, so I would most likely invest in starting my own business or in the business of my friends. And I would allocate 10-20 thousand for attending trainings and seminars.

As an option, if you do not want to invest in a business, you can consider bonds. In extreme cases, you can open a bank deposit, but it will be of little use, since the interest will only cover inflation.

If the risk allows, you can try to invest in the structured products of brokers (trust management). Their risk is usually limited to 10-15% of the investment amount, and you can earn more than with bonds.

- Where to invest 300,000 - 500,000 rubles?

Also a relatively small amount by the standards of investment. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.

If there is an option within this amount to purchase real estate during the construction phase, you can invest in it.

- Where to invest a million rubles?

Having 1,000,000 rubles on hand, you can already try to invest in almost any of the tools described in this article.

For 1 million rubles. it is already quite realistic to purchase a rough apartment and an apartment at the stage of excavation.

Or alternatively:

• You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust management, PAMM accounts / portfolios, or invest in mutual funds.
• But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also desirable to divide the amount into 3-5 parts), gold, art objects ...
• I would still invest a small amount of 30,000 - 50,000 in cryptocurrency, in case it seriously rises in price in the next couple of years.
• For the remaining amount, you can try to open a business (including on the Internet).

5. Where better not to invest in order not to burn out - important tips on how to avoid fraud

At the end of the article, let's talk about no less important: how not to lose your money and how not to fall for scammers.

The world is full of people who invent various schemes to steal money through fraud. Especially in our time, fraud thrives abundantly on the Internet (and not only!).

Therefore, before investing money somewhere, it is worth checking 10 times to see if you end up with a nose.

Both on the Internet and in real life, people often come across "super profitable" projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, fast payouts, very favorable conditions, etc. - all if only people would invest their money.

Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Fraudsters love to cash in on other people's greed!

Money does not come from nowhere, if someone receives money, then someone will definitely part with it!

The most common type of fraud is financial pyramids (remember at least Mavrodi and his MMM). Visually, some kind of plausible story can be created, as if the project really functions (provides any services), but in reality the organizers of this project only earn on the investments of gullible people.

Sometimes the “history” of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.

HYIPs(which we talked about earlier) are essentially also built on the basis of a financial pyramid and they can also be attributed to a fraudulent scheme (although it is also possible to earn money on them, but experience is required). Also here you can add various casinos and other ways where they promise "easy" money.

Another controversial investment tool is sports betting. It is realistic to make money on them in the long term, but only bet organizers and 5-10% of participants (those who are in the know) do this, and the rest only constantly lose money.

I will also single out another type of widespread fraud on the Internet - this is the sale of various courses, programs…which, according to promises, can bring you incredible income in a matter of hours (days). Having bought them, you will throw away your money to the wind (tested on your own skin 😀).

So, invest in what you are good at! Otherwise, you will be profited by those who are well versed in what you do not understand! This is my unfortunate experience.😞

If you are not yet particularly versed in a particular investment object, then invest time and money (they are not even necessary) first of all into your knowledge ! It will be your best investment!

6. Conclusion

Well, here you have learned about all the most popular and profitable areas for investing money.

Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!

I hope my experience for some of you turned out to be at least a little valuable and you have already decided where to invest your money! 😀

Once again, I emphasize that in my experience, the most profitable investments are investments own business / business And knowledge !

❓❓❓
What do you think is the best place to invest your money? Feel free to share your opinion in the comments!

Thank you for reading the article to the end! I wish you successful and profitable investments! 👍💵👍

P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. 👇 Thanks in advance!

Although it is not easy to earn money, it is even more difficult to keep it. Of course, you can put all your capital in the bank and regularly receive a fixed percentage, but it's better to make finances work, isn't it? And the best way to do this is to pay attention to such an option as investing. For beginners today there is a huge amount of literature, video tutorials, thematic books and other sources of information, but are they all equally useful from a practical point of view? So how do you become an investor? Let's try to figure it out.

Legal basis

Let's start with the fact that, like any financial activity, investing is subject to a number of legislative acts. So before you start studying books on investing for beginners, it is better to familiarize yourself with the legal framework.

State regulation of investments can be indirect (working with the conditions of investment activity) and direct (direct participation of the state in investing). Before a certain object receives its coveted investments, it must undergo an examination, which guarantees its purity in legal terms, and also confirms the profitability of the investment.

Typically, investment lessons for beginners in the early stages of training talk about exactly how businesses try to stimulate investment activity. Someone sells their shares, allowing third parties to receive a share of the profits in the future, and with large investments, control the enterprise. Others offer potential investors certain benefits in return for their money, such as buying products at cost, with no markup. In any case, when a company wants to attract funds from the population to its capital, it agrees that the state will begin to monitor its activities much more closely: this is the only way to ensure maximum financial security of investors.

But at the same time, the role of the state in regulating investment is a very controversial issue. On the one hand, it acts as a guarantor of the honesty of both parties, but on the other hand, its intervention is contrary to the principles of a market economy, in which investment plays one of the main roles. Ideally, the government should give up its dominant position in investing to private investors and provide them with the most comfortable conditions for investing funds, which will allow the state to create a favorable investment climate, thereby attracting more and more investors and removing the obligation to maintain many unprofitable enterprises at the moment.

Basically, that's all you need to know about how investment is regulated. Where to start practical actions, we will learn further.

Types of investment. Low risk

We continue to consider investing for beginners ”and smoothly move on to such a concept as types of investment. You can invest your money, as mentioned above, in a bank. You place a certain capital on a deposit, and then you receive interest. Here, by the way, it is worth paying attention to the fact that the interest rate should not be lower than 8% per annum, otherwise, due to inflation, real profit may not work. Separately, you need to think about the fact that it would be better to have a deposit with the possibility of urgent withdrawal of funds, otherwise, if necessary, you will not be able to get the money invested, except with huge losses for yourself.

Mutual funds are another investment option, however, it will require certain knowledge from a novice investor. The share that the investor acquires can be short-term and long-term, and if in the second case the prices are relatively stable, then in the first case it is better to buy this very share at a strictly defined time, and you will also have to sell it according to a certain schedule in order to make a profit. The price of a share is affected by the state of the stock market. Traditionally, at the beginning of the calendar year, the stock market begins its fall, that is, closer to the middle of the year, in May-June, it reaches its bottom. It is at this moment that the prices for a share are minimal - that is, you can buy it at the lowest cost. In the second half of the year, the market recovers, and already at the end of its share can be sold at the maximum price for it.

Classic types of investment

When discussing investment tools for a novice investor, one cannot fail to mention investments in precious metals and real estate. In the first case, you should not expect a quick return: usually, in the short and medium term, the prices for the same gold change slightly, that is, you can lose money on an investment. Ideally, before investing in precious metals, you need to monitor the state of the market in order to understand whether now is the right time for such an investment. Almost the same can be said about investing in real estate: initially, a rather large amount of funds is needed to purchase it, which will not return very soon: even when renting out real estate for a good price, it will take more than one year to recoup the investment.

The above investment instruments are considered low-risk, that is, it is almost impossible to burn out on them. But there are ways to earn much faster and, possibly, more, associated, however, with a higher probability of losing the invested funds. Now let's look at them.

High risk investment

So, you have chosen a high-risk investment. Where to start in this sector of investing money? That's right, first of all with the study of basic tools. They are mostly connected with the famous FOREX market, which is so temptingly advertised on a variety of electronic resources.

For those who do not want to understand all the intricacies of the functioning of the above-mentioned market, PAMM accounts are ideal. In this case, the investor transfers his funds to a trader (this is the name of a person trading on FOREX), who will manage them on the market for a certain percentage. In this situation, a significant disadvantage is that even the most trusted trader can burn out, and you, therefore, lose all your savings. On the other hand, in case of success, you will receive profit without spending anything but your own money - and you will not need to study the mechanisms of FOREX operation, as well as waste your own time and effort.

The second option, no less risky, is investing in HAYP funds. Here, money is no longer invested in a specific person, but in a whole fund that can trade on the same FOREX, work with the stock market, and be an arbiter when setting rates - it does not matter. As a result, the fund will share with its investor part of its profits. When it comes to this method, investment books for beginners advise spreading your capital over several funds, and not investing large amounts in them - no one gives a guarantee that the funds will not burn through. In the ideal case, as a result, the profit from those funds that survived on the market will cover the lost investments in the funds that have disappeared. It is worth noting that experts advise immediately withdrawing the interest that the investor earns on the fund - so he can at least keep his profit in the event of the collapse of a fund.

Board books

The best books on investing for beginners - this is the list that almost every self-respecting economic portal forms. It is almost impossible to list all the benefits that are mentioned in such ratings, but we will still try to get acquainted with the most popular ones.

The name of Robert Kiyosaki is already a kind of brand in the economy. His novel Rich Dad Poor Dad is recognized as a bestseller in many countries of the world and is truly a cult book on investing. Kiyosaki, in his work of fiction (yes, it's surprising that a book on how to invest money is written in this form, and not in the more familiar form of a textbook in this situation) tells the story of his own father and the father of his friend. One of them, a successful and wealthy businessman, inspired the young man to discover the world of trading and investing.

Many experts refer to B. Graham's book The Intelligent Investor, written back in 1949, as the bible of investors. It is considered one of the best of its kind: it reveals the differences between speculation and investment, the features of active and passive investment strategies, and many other points that are incomprehensible to beginners. The basics of the fundamentals laid out in The Intelligent Investor are nicely complemented by the advice and recommendations from people who have already taken place as traders and investors placed at the end of the book. Familiarity with this book will help minimize losses from incorrect trading in the stock market or investing in failed projects. But when losses are minimized, nothing prevents profits from growing, right?

Theoretical guides

It is worth noting the following: in addition to the general theory, there are more practical introductions to investing for beginners. Education books on trading, financial investments and other aspects of this area can offer much more practical.

"How to play and win on the stock exchange?" - this question is asked by many novice investors who have heard about what jackpots can be hit in the markets. The book of the same name by A. Elder considers not only such aspects that are almost universal for all authors of business books as trading strategy and money management, but also the psychology of playing on the stock exchange, which, according to Elder, has a huge impact on the game. True, it is worth noting that "How to play and win on the stock exchange" will not indicate where to start investing for a beginner, how exactly to invest money and will not dwell on other, more practical issues. This book is rather a welcome addition to other business literature on the subject.

What is a list of literature for beginners without encyclopedias? In his "Small Trader's Encyclopedia" E. Nyman works with the main methods of technical analysis - this is exactly what those who choose high-risk investments and play on FOREX will have to face. The author reinforces all his arguments with useful materials that will not only teach you how to correctly analyze the situation on the market and manage risks, but also reveal some features of the trader's psychology.

Another "technical book" is the work of J. Murphy "Technical Analysis of Futures Markets: Theory and Practice". Like the Smart Investor mentioned above, it is the bible in its own right. And here is not only investing for beginners, which Murphy trains in his work at the highest level, but also information for already established traders. The practical guides presented by the author will be useful to any stock market player - the book has already passed the test of time and proved that even in the volatile world of finance, there are things that remain unchanged.

Biographies

They say experience is the best teacher. That is why autobiographies of those who have already excelled in this field are so popular among people who want to learn something. W. Buffett in his work "The Best Investor in the World" describes his life path, while not forgetting to give useful advice to those who are just entering the world of trading and capital investment. In addition, the author offers his own selection of literature, which outlines the basics of investing for beginners and practical advice for more experienced investors as clearly as possible.

Another interesting autobiography is the creation of N. Darvas "Investor-Dancer". A person who is not a professional in this field, and this is evident from the name, thanks to the right investments, has become one of the richest people in the States. He talks about investments, and about the basics of the functioning of the stock market, and about playing on the stock exchange - that is, he covers everything that interests the novice investor so much. Of course, it is not necessary to perceive an autobiography as an ideal model of action, but still, it is definitely worth learning something useful from it.

A little about Donald Trump

One of the iconic business figures today is Donald Trump, the man who was able to build his empire, lose it, and rise again from the ashes. Many people know that he is also the author of a number of business bestsellers. He discusses investing, starting and developing a business career, financial risks and many other issues he has faced throughout his life.

In How to Get Rich, Trump gives a wealth of advice to a man who has decided to increase his wealth. And if some of them are really clear and logical (“Refuse intermediaries”), then others are puzzling (“Avoid handshakes if possible”). The president himself considers this book a mixture of good advice, reasonable conclusions, gossip and his own glory - he notes this on one of the pages. So it's up to you to decide whether to get acquainted with this "allowance".

Another work by Donald Trump, The Art of the Deal, is primarily aimed at those who work with real estate. But at the same time, how a billionaire conducts transactions is worth learning from businessmen from other areas. Trump talks about his path to wealth, and about the daily routine (devoting a lot of time to how and how much he does his business), and about the basic principles that he adheres to when concluding transactions, and, in principle, in life. In the last chapters, the president tells the stories of his best deals, demonstrating the success of his beliefs.

An introduction to investing for beginners can be the book “Trump. Think like a billionaire. Everything you need to know about success, real estate and life in general. Here, the billionaire reflects on real estate (from the very basics, from how to choose the best from advertising offers, to mortgage conditions), finance (purchases of stocks and bonds, investment risks) and business life in general (organization of work, dress code, self-presentation). We can safely say that this book will be most useful to a novice investor, because it will take him from the very beginning of investing money to presenting himself in the serious world of business.

Where to invest in Russia?

Of course, foreign experience is good, but where to start investing in Russia? First of all, it is necessary to study the areas of investment that are relevant for the country. The most traditional way for Russia is to buy real estate, the pros and cons of which as an investment tool have already been discussed above. The second most popular place for a PAMM account is the name of the Alpari trader, which is familiar to any Runet user, whether it is a movie lover or an online casino player, whom advertising from a familiar site sends directly into the arms of a broker.

It should be noted that the Russians do not mind playing on the stock exchange on their own, so investments in FOREX and other similar markets are also very relevant for the country. There are a lot more options to list, but it’s not worth turning investment for beginners into investing in a highly specialized niche, that is, investing your capital in projects that are not popular enough, but are interesting only to a narrow circle of people. In this case, the profit, if it is probable, is only after a very long time. Is this what a young and ambitious investor needs?

Conclusion

Where to start investing in stocks, how to find a property suitable for buying and then renting out, in which fund to invest money, how to play on the stock exchange - these questions are asked by many people who have decided to radically change their lives. Answers to them can be found in specialized literature, video tutorials, trainings - there is really a lot of information. The main thing is not to get lost in it and, having chosen the most reliable one, start acting.

I am often asked where to invest money and how to start investing correctly. Therefore, I decided to create a universal investment guide, after reading which, any person could start investing and achieve their financial goals. Here is a unique step-by-step algorithm that will allow you to avoid costly mistakes when investing.

Undoubtedly, each person has his own unique situation, but the general principles that must be followed when investing will be equally useful in all cases.

To start investing correctly, you will have to go through 8 mandatory steps, none of which can be skipped or "jumped over".

Step 1. We assess the current financial condition and put our personal finances in order.

• Determine and write down in figures your income - sources of income, their regularity and stability, the amount in the currency of income.
• Distribute your expenses by consolidated items and categories: regular, irregular, one-time.
  Remember what assets you have - everything you own (apartment, car, cottage, bank deposits, securities, business, insurance, etc.) and how much they cost.
• Specify how much profit each asset brings you annually, and what is its profitability in% of the cost. It is likely that most of your assets will turn out to be unprofitable, or even bringing only additional expenses. At this stage, this is normal, do not be alarmed.
• Remember what liabilities you have - mortgages, loans and other debts, obligations to pay insurance premiums and taxes. Write down the amount of expenses you incur on your obligations each year, and what their percentage value is to the amount of debt.
• Calculate how much your income exceeds your expenses - this is how you will know your "investment resource", as well as how much your assets are more than your liabilities - this is your "net capital". The value of the investment resource is considered to be at least 10–20% of your income. If your investment potential turned out to be below 10% of income or even negative, you need to take additional measures to “financially improve” your budget. Our specialists can help you with this.

It is extremely important at this step to be honest with yourself., do not try to embellish the situation, but fix everything as it is. It is very important! This is the foundation of your future financial plan. And creating a good financial plan without a quality foundation, alas, will not work.

At the end of the first step, you should clearly understand how much money comes to you, where it is spent, how much is left, how long you can live if the main source of income suddenly dries up and how long it will take you to restore it.

Step 2. Create a financial reserve.

Both states and banks and commercial enterprises create financial reserves to use them in case of need. The same should be done for you. The financial reserve has not only practical, but also important psychological significance - it gives an unshakable feeling of confidence! Just being aware of the fact that you HAVE MONEY in case of minor troubles already increases the level of psychological comfort in your life. Thus, a financial reserve is a very inexpensive and effective way to make your life less stressful and more comfortable.

The practical value of a financial reserve is to be able to finance your regular expenses from it in case your main source of income suddenly dries up, as well as to cover small unforeseen expenses like car repairs or dental services.

It is advisable to keep a financial reserve in the currency in which your regular expenses occur. Any bank that meets the following criteria can be used to hold a financial reserve:

1. The bank is included in the deposit insurance system.
2. The bank is in the TOP 50 Russian banks in terms of assets. (the rating of banks is available on the website banki.ru. Or the bank is a subsidiary of another large international company (such as CityBank, Raiffeisen, Societe Generale, UniCredit, OTP Bank, Home Credit, etc.)
3. Choose a bank that is convenient for you to use - conveniently located, with convenient opening hours - so that you do not have to take a day off to get to the bank.

At the same time, it is recommended to open a current / savings or deposit account directly for the placement of funds that meets the following COMPULSORY conditions:

1. Possibility of replenishment from amounts comfortable for you.
2. Possibility of partial withdrawal of funds from the account without loss of interest.
3. Monthly capitalization.
4. The interest rate is not a determining condition, however, it should not be too high (compared to other offers), nor the smallest.

Now we replenish the financial reserve to the required amount calculated by us.

Step 3. We designate the goals and objectives of investment.

You need to define and write down:

• What do you want to do in this life, what do you want to achieve, what experience do you want to have, what assets do you want to have, what legacy do you want to leave behind, etc.
• In what currency do you plan to spend funds in the future to achieve your goals.
• Next to each goal, you must specify how much money at current prices is needed to implement it, and the time by which the goal must be achieved.
• You also need to rank the goals in order of importance and priority. That is - if you fail to implement everything, everything, everything, then what you would like to implement without fail, and what - “if possible”.

Step 4. Determine your risk profile.

That is, we formulate and formalize what financial risks you are ready to take in order to achieve your financial goals, and what may be absolutely unacceptable for you in terms of investment. For example, some people are ready for a temporary decrease in the value of their assets by 30-50%, and for someone even a 5% loss during a calendar year will be extremely uncomfortable psychologically.

You can determine your risk profile with the help of or on your own by passing a little testing.

Step 5. We develop an investment strategy.

• We determine the amount and frequency of investments - at a time or regularly.
• How much time are you personally willing to devote to managing your investments.
• What risks are you ready to take on in the process of investing, and which ones are better to diversify or hedge, i.e. “sell” (currency, country, industry)?
• What kinds and types of assets will you use.
• We define "permissible limits" when choosing investment instruments. For example, religious or personal beliefs prevent some people from investing in companies that produce alcohol, tobacco, and military goods. Others do not even allow the thought of investing in the Russian economy in general. And for someone, the ability to protect their assets from any encroachment by the state and third parties can be a determining factor in the development of an investment strategy.
• We estimate what taxes you will have to pay in connection with investment income and calculate in advance the possibilities for minimizing them.
• We prescribe algorithms for making investment decisions - that is, what conditions you will pay attention to and take into account when making investment decisions, what actions you will take in this or that development of events.
• How regularly or for what reasons will you review and amend your investment strategy.

Step 6. We conduct stress testing of our strategy according to the “What if…?” scheme.

Ask yourself:

• What will happen to my family and my investment plans if I get laid off and I can't find a new job for a while?
• What will happen to my investment plans if my neighbors from above flood me and I need to make repairs in the apartment?
• What happens to my investment plans if I myself or another family member suddenly becomes seriously ill?
• And if I die, what additional expenses will my family incur in connection with my funeral, and where will they get the money for this? Where, how and on what will my family live after my death?
• What other negative factors can affect the implementation of my plans?

Based on the results of this stage, a protective investment strategy is developed, which will allow you not to abandon your investment plans under the influence of an unfavorable set of circumstances and the realization of typical life risks. We can help you determine in advance what exactly needs to be protected - health, life, property, and select the appropriate insurance products.

Step 7. Choose an investment method.

At this stage, you need to decide:

• Which companies to use?
• How to deposit money?
• How will you receive your investment income?
• For what exactly, to whom and how much will you pay? (commissions, taxes)

Now you are ready to start the main thing - the actual investment. It remains only to form an investment portfolio and directly START investing.

Step 8. We form an investment portfolio.

• We select specific investment instruments in accordance with your investment strategy.
• We acquire selected assets.

After completing all 8 steps, you will have:

1. Clarity and order in personal finances as well.
2. Financial pillow for 3-6 months.
3. A sense of security and confidence in the future.
4. A well-designed investment portfolio.
5. A clear and understandable plan for further actions, in accordance with which you will create and increase your capital.

Congratulations, now you know how to start investing the right way! You can go through the first steps on your own or at any stage. We will always be happy to help you. Bookmark this page so you don't lose valuable information. Start investing and you will succeed!

More than 50% of people are absolutely financially illiterate. Instead of saving money, saving and investing, they take out loans and borrow money... And then they complain that there is not enough money for anything. If you want to live better - invest! What is investing? How to start investing from scratch? It is worth saying that this is a process in which investing money in assets brings income over time.

What is investing?

Investing is the exact opposite of loans and borrowing. If credit drives you into slavery, then competent investment gives you financial freedom. Everything in your life will change radically if you start investing. Get into the habit of saving and multiplying money, and teach your children to do the same. First, open a deposit in a bank and save 10% of your salary there. After a while, when you know that you have money in the bank and bring even a small, but income, your self-esteem will increase significantly.

Many people are tormented by the question of how to become a successful investor. You will definitely not hear a definite answer to it. Each person has a different income, and therefore different investment strategies. But they all have one main goal - it is to generate income. Allocate 25% of your savings and choose the right investment instrument for you, having previously determined liquidity and profitability. It is necessary to invest - this is a guarantee of your financial security!

Liquidity.

Liquid assets are those that can be sold (or exchanged for money) at any time. This is of course gold, silver, securities (shares), real estate and movable property.

Yield.

The return on all assets is different, but the more reliable the asset, the lower the return it usually brings. It all depends on your investment strategy, and there are only two options here - either profitability (aggressiveness) or reliability (conservativeness). You choose.

If you have a solid capital, the best investment is stocks. Of course, there are many advantages to investing in stocks (securities). But you need to understand that this is a long-term investment. You definitely won’t have to wait for a quick income or profit. To put it simply, when you purchase shares, you get your share in the OJSC.

You can use the services of a private financial advisor. Yes, it will cost money, but on the other hand, you will be able to navigate normally in exchange matters. Do not rush to take everything at once, buy shares of companies in equal shares, waiting for the onset of a cycle of high profitability. You can also turn to an investment mutual fund, in which the work will generally be done for you.

Investments in PAMM accounts. Is it beneficial?

If you do not want to invest in stocks, then you can use PAMM accounts. What it is? First of all, this is the so-called trading account, which is managed by the trader. In particular, a striking example is the Forex market. You can also call such a system of investment trust management. If you choose a good platform, you can count on income, and the management system does not allow traders to use your money, protecting investors from scammers.

When investing in PAMM accounts, one should not forget about diversification. This helps to achieve maximum efficiency. It is better, to reduce risks, to work simultaneously with several managers.
Many beginners begin to worry, fearing that they will simply be deceived. However, it is not. Every broker who works seriously is required to have a fully transparent and public rating for their potential investors. Such monitoring allows the investor to allocate his resources efficiently and without threats. Before working with an investor, a public offer is concluded, and the profit is withdrawn, as a rule, once a month.

This is a more profitable investment than working with banks. Let's say a deposit in a standard bank brings an individual about ten percent per annum, and on a PAMM account, along with a talented trader, you can get.

Bank deposits

Let's talk about such a familiar way of deposits as deposits in banks (deposits), which are familiar to all Russians. Standard bank interest covers inflation in the country. The average interest in our banks ranges from 6 to 10% per year. You won't make much money on that percentage. However, it is necessary to keep a deposit in the bank, not so much for income, but for a stash for a "rainy day" (reserve).

Choosing the best investment method

Any investor independently chooses an investment portfolio and profitable instruments for it. We have already talked about buying shares, talked about PAMM accounts. But you can still invest in profitable business ideas or start-ups. It also happens that organizing your own business requires a lot of effort and time, which is simply not enough. Therefore, you can become an investor with the allocation of a mandatory share with a high yield.

An old and proven way to make a profit is to invest money in real estate. Of course, if you have such serious funds. Even an apartment taken on a mortgage pays off after a certain time, if you rent it out. Many people simply buy a home and rent it out or make money from earnings based on the difference in resale prices.

Investor Mistakes

The maximum benefit in investment is built on the minimum number of mistakes made by the investor. You should not buy any shares or trust the management of your PAMM account to the first trader you come across. Most often, beginners simply do not have enough start-up capital and investment experience, so it’s better to save up, but don’t give away the last and gain experience.

You should never aim for huge amounts. At the first stages, you simply will not get them. Minimal risks with relatively reliable returns are approximately 12-15% per annum. And it should be comparable to the interest rate on. Trading is especially difficult to understand. Indeed, trading on the stock exchange seems to be something alien and incomprehensible for a beginner. Without experience, you can drain the deposit very quickly. Therefore, carefully study any information, since it is always available on the Internet. And still try to invest, albeit in a small amount. You do not need to use loans or consumer loans for investment, as there will be risks in any scenario.