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How to get stable passive income. New business ideas

Many do not like to go to work from 9 to 6, and how to live without hired work is not taught at school. However, the idea of sustenance by interest and dividends exists in the minds of the masses. Financially literate people have heard about the sources of passive income, and real purposeful businessmen are looking for how to create passive income from scratch.

What is passive income?

The idea of passive income comes from researching and studying the topic of financial independence. It is those who set out to get rich or achieve financial freedom who seek to build passive income, which is also residual income.

Passive income is a profit received by a person without the need to perform daily “active” work, to conduct a permanent professional activity. Namely: work from 9 to 6 in the office or freelance (remote work), exchanging your precious time for money. In any variant of earnings, where the employee's time is exchanged for the employer's money, one can speak of labor or "active" income.

The word “passive” hints that you don’t have to work regularly to make a profit. That is, a person lives freely at his own discretion, and money “drops” to him. However, this understanding is deceptive. As will be shown below, to create sources of passive income, you also need to sweat, however, often - one-time, or very little effort is required to maintain stable profitability.

Sources of passive income

The main sources of passive income by type of ownership are:

bank deposits;
securities and bonds;
real estate;
copyright.

Additional sources of passive income:

raw materials;
business operating "on its own";
franchise;
investments in third-party business systems.

For an employee, the possibility of having more than one source of income, a salary, is new and unfamiliar, and therefore often suspicious. However, if you look at it, having more than one source of income is exactly the way to improve your own well-being and increase capital.

Those who are looking for how to create passive income do not always understand the possibility of creating multiple sources of personal income. This means you don't have to leave your job to earn passive income. You can build these incomes in parallel. Moreover, the options for passive income are numerous, and one person can have as many types of this income as desired and manage to build.

Types of passive income

If all residual income is divided by type of profit, then the following types of passive income can be distinguished:

dividends- from investments in securities;
interest- from bank deposits and other investment organizations, from bonds (government securities);
royalties– for created objects of intellectual property or received a patent;
rental income- from the lease of real estate;
royalty- for the sale of the franchise.

And several types of profit without special names. These are the following categories:

operating business income- (also called dividends in the West) profits from a business for which the founder or board of directors does not need to work personally;
profit from venture investments- income from investments in business systems built by other people; Here, the investor invests in a startup or a nascent business project, and after its promotion receives a return of funds with interest and / or regular profit from the activities of the new company.
percentage of sales- a separate category of income that freelancers and businessmen may have. We are talking about additional profit from the volume of goods sold without the participation of the recipient of income. For example, a copywriter who writes a sales text is paid a fee in the form of a percentage of the sales profit from each use of this text by the customer during the year or other agreed period.

Passive income without investment

Is it possible to create passive income from scratch? From the considered types of passive income, it becomes obvious that some sources are built without investing money, others do not allow it.

4 ways to create passive income without investments:

create an object of copyright;
create a business system that does not require the participation of the founder;
create a business and sell a franchise;
accumulate capital to obtain residual income in other ways.

Creating a copyright object

This way to create passive income from scratch is suitable for creative people: composers, songwriters, writers, as well as inventors.

Having once created a beautiful musical composition, song, or written a novel, the author receives a reward for using his work or its elements. The list of what belongs to the objects of copyright is in the relevant law of the Russian Federation.

The patent also allows inventors to receive remuneration for the use of the result of their intellectual work.

This method is good because you need to make an effort once, and then receive a fee. However, it is clear that not everyone can create a worthwhile work of art, and copyright compliance will have to be monitored.

Creation of a business system without the constant participation of the founder

This method is a passive income business. Creating a company that benefits people, and the owner and founder - income, is real, although not easy. The vast majority of small businesses belong to the type of enterprises where the owners are employees in the positions of directors and managers.

Being the head of your own company is not bad and even prestigious, but it does not bring you closer to the goal of creating passive income from scratch. After all, what is passive income? This is the profit from a one-time invested effort, which a person receives consistently over many months or years. And if the founder works in his organization, he receives a salary. Therefore, this method will only work if the business is built as a complete system with all the necessary employees, including a third-party CEO. Then the founder will rightfully be able to say that he has created passive income.

Starting a Business and Selling a Franchise

Income in the form of royalties from the sale of a franchise will become available only after the creation of a franchise, and for this you need to either already have a ready-made and well-established business, or build such a business.

The idea is implemented from scratch, but the result does not fully fall under passive income without investments, because you will have to invest a lot of time and effort to create your own company. From the point of view of the fact that you can get by only with time and effort, without financial investments - yes, this is possible, even if you have to attract outside investors in order to finance a new organization.

Capital accumulation: money makes money

One of the most popular passive income ideas to get rich and financially independent is the idea, “Money makes money.” It describes the simple fact that it is not necessary to invest man-hours in order to earn more, even passively.

However, in order to invest money, and they began to bring more profit, it is necessary to raise start-up capital. It won't work otherwise.

Therefore, technically it will be passive income from scratch, because you need to start somewhere, but in fact you will have to save and save. You can start with 10% of each receipt of labor income, that is, wages, or any other income that is available. Thus, a sufficient amount will gradually be collected for investments in bank deposits, the purchase of securities or bonds.

You can combine capital with someone close to you and invest a larger amount in rental real estate or venture capital investments. It is important to have a detailed understanding of the subject of investment.

Top 10 Passive Income Ideas

Let's dwell on the most popular ways to create additional income without a constant investment of time.

1. Bank deposit

With the most modest percentages and additional profits, this type of passive income remains and will remain very popular for a long time to come. There are several good reasons for this: firstly, the banking system is growing and strengthening, the population is accustomed to trust banks, their activities are in most cases understandable to citizens.

Secondly, banks provide guarantees - although this sounds especially doubtful in Russian realities, the invested capital is still protected from loss or theft. With the development of insurance companies, each deposit is either insured by default or can be insured at the request of the depositor.

The choice among banks is wide, deposit options are diverse, so passive income is real even with investments of 3,000 rubles or more. There are special deposits with a higher percentage for pensioners.

2. Securities (mutual funds)

Usually passive income, the ideas of which are taken from Western popular science publications, includes profit from securities. Provide access to them and make such investments convenient for the population Mutual investment funds - mutual funds.

Although the method was especially popular before the crisis of 2008-2010, one cannot count on quick profits, because investing in shares is arranged in such a way that such income becomes tangible after a long time. Therefore, if a couple of millions in US currency are not available, then investments will have to be held for several years or decades.

3. Renting out housing or offices

You can earn a steady income from rental property. This will be precisely the residual income, since one-time efforts are required to find a tenant and repair the premises, otherwise maintaining a good condition of residential or non-residential property will require a minimum of time.

This is perhaps one of the most popular ways of obtaining additional unearned income for the population, since it does not require special education, and the amount of income can be very significant.

4. Opening your own business

In order to create passive income without investing money, many former employees are retraining as businessmen and entrepreneurs. Indeed, if you create a business that works autonomously, with its own manager and hired labor, then you can get a good income.

5. Venture investments

Passive business income is one of the most highly profitable types of investments. At the same time, the risks are great, because any company can close or suffer losses. Moreover, not every person is a born entrepreneur.

For those who are interested in how to create a passive income with high interest on invested capital, but do not think of themselves as an entrepreneur, the way out is to invest in other people's companies. If you understand who to invest in, then the passive income of the investment will be very high.

6. Create a work of art

By writing a book, by composing a song or music, by making an invention, you can create passive income from scratch. After all, the royalties for the subject of intellectual property will come automatically, without requiring new creative research.

7. Investments in high-risk companies

These include Forex brokers, "HYIPs" and other companies that take citizens' money and promise high interest rates. The money will go to trading on the stock exchange, which can give a high increase, but is very risky, which the firms themselves do not like to report. If you make such investments, passive income will be 18-70% per annum and even more.

8. Site creation

Your own website can be used as a source of passive income. There are plenty of web resource development scenarios here. For example, promote an information portal and turn it into a platform in the form of an advertising platform. Advertising revenue is passive income.

9. Cars and special equipment for leasing

They provide for rent not only real estate, but also cars, equipment and special equipment. It is only necessary to buy movable property once in order to receive passive income from its rental to clients.

10. Network Marketing

With all the ambiguous fame of this type of business, one cannot fail to say that it is one of the few that provides passive income in its purest form, because having built its network of consultants and salespeople, the head of the network begins to receive a percentage of the sales of “his” employees.

How to gain financial freedom

Financial freedom is the ability to live with an amount of financial resources sufficient to satisfy any needs and desires of oneself and one's family. The path to it runs through residual income. The logic of such a movement is simple: no matter how big the employee’s salary is, he can get sick, retire, become disabled for another reason. In this case, incomes immediately fall and, if there are no impressive savings, then it will not be possible to live on savings for long.

Passive income allows you to retire completely. You can work then and as much as you want and not for the sake of money. Such income, preferably represented by not one but many sources of profit, is the secret of many rich people. It is not easy to create such streams and rivers of money, but this work more than pays for itself, because this is a one-time job, and the profit received as a result is passive income.

Passive income is the dream of a huge number of people. Many are trying to come up with and implement schemes that would provide a stable income without the participation of the creator. And some people even succeed.

In this article we will talk about how to learn how to get a stable passive income on the Internet.

Is it possible to receive passive income on the Internet without investments?

Indeed, a large number of people have achieved their dream - they have learned to receive passive income. But when other people look at them, they only see the tip of the iceberg. They see Internet entrepreneurs or investors who are not working, traveling and living for their own pleasure, but at the same time they lose sight of how hard they came to such a life.

I want to disappoint those who believe that the Internet has reliable and highly profitable ways of passive income without investments, available to a beginner - there is no freebie on the Internet. In order to receive money on the Internet you need:

To invest money.
Invest your own time.
Invest in self-education.

In order to increase your chances of success, you need to use all these 3 points. Success will directly depend on your diligence and determination.

How to come to passive income on the Internet?

Yes, passive income online is quite real. But we found out that nothing will work without investments. The more money you want to receive in the future, the harder you need to work in the beginning.

To be honest, completely passive income is unlikely. But, at a minimum, you will be able to delegate all your duties to hired employees, devoting only a few hours a week only to analyzing your earnings.

Below we will look at the 7 best ways to earn passive income using the Internet.

1. Sale of advertising on the site.

One of the most common ways to make passive income on the Internet is to create and promote one or more information sites. This method has several advantages:

High probability of making a profit. If you do everything right, then getting the required number of visitors is easy to predict and achieve.
Stable results. If the site was promoted by "white" methods, then it will attract visitors without the participation of the owner for one to two years. And with minimal administration and updating for many years.
Simplicity. It is not very difficult to achieve results in promoting an information site. There are proven step-by-step instructions that will allow you to achieve results without professional SEO skills.

How to make money by selling ads from the site?

One of the easiest and most effective ways to make money on the site is to place ad blocks from Yandex and Google on its pages. You can see these blocks on most information sites that are presented on the Internet.

In these blocks, ads will be shown to site visitors, depending on what queries they entered into search engines and what sites they visited before. This means that this ad will be relevant to visitors, which will ensure a high probability of clicking on the ad.

As soon as the visitor clicks on the ad, a certain amount is deducted from the advertiser's account, which is divided in half between the advertising network and the site owner.

Earnings with the help of contextual advertising strongly depend on the subject of the site and on the number and location of ad units on the page. On average, a webmaster can earn about 3,000 rubles a month from a resource with 1,000 visitors a day.

Sale of links.

Search engines are actively fighting the buying and selling of links. The result of this struggle was that the rental links market was practically destroyed.

But eternal links are still one of the most effective tools for website promotion. Therefore, a huge number of SEO specialists are ready to line up to buy a link from a quality site.

In order to sell a link, you need to register in one of the exchanges of eternal links, for example: Miralinks.ru and Gogetlinks.net, or sell them directly by posting information about it on your website.

Link Exchange Miralinks.

Direct sale of banners.

2. Earnings on affiliate programs.

Another highly profitable way to make money on the Internet is affiliate programs. The essence of affiliate programs is simple - attracting potential customers through referral links.

Many companies create multi-level affiliate programs. This means that if the referral attracted by you attracts his referrals, then you will receive money from the company for this. Under such conditions, you can count on passive income, because the more partners you attract, the more money you will receive from their partners.

Where to find referrals?

3. Investment.

It can be said that earnings through investments are the most passive. After all, the very concept of investing is that your money is working while you are resting.

For those who want to try to invest their money and get a stable income from it, I have collected in one article all the best ways to invest and compared them with each other:

In fact, in order to become a successful investor, knowledge and experience are needed. Therefore, for a beginner, it is recommended to choose the least profitable and least risky ways to invest money.

4. Passive income in social networks.

As with your own website, you can earn affiliate income by selling ads if you have a well-established group or social media account.

With today's competition, it is unlikely to be possible to do this for free, because social networks impose a limit on the number of free additions to friends or invitations to a group.

How to recruit members to a group on social networks?

5. Passive income on YouTube.

You can make money on YouTube by earning money for views, by selling ads on your channel, or by posting referral links.

The first way to fill the channel with content is to shoot videos yourself. You don't need professional equipment for this. You can make high-quality video using a regular smartphone.

The video recording method depends on your subject. You can simply record your screen. At the same time, you can shoot your face on the webcam and display it in the corner of the video.

Also, you can make your own video in the form of a presentation. Record the voice separately and overlay it on your slides using a standard presentation program or video editor.

6. Internet business.

Another way to passively earn money on the Internet is to create and automate a business. The Internet makes it easy to automate business processes, which makes it easier to earn passive income.

Of course, at the first stage, you will have to actively participate in the promotion and creation of your online business. But gradually, you will be able to devote less and less time to it, while receiving a stable income.

What types of Internet business exist?

Online store.

In order to create an online store, you do not have to rent a warehouse and fill it with goods. You can use dropshipping and sell products that are in stock at another online store.

To do this, you need to create an online store. After that, agree with another online store that you will regularly buy goods from them and agree on a discount for the fact that you will buy constantly.

After that, fill your site with goods that are placed in the partner online store. Set about the same prices and start attracting visitors.

To attract visitors, you can use SEO optimization, contextual advertising, social networks, etc. After a client orders a product from you, you buy it in a partner online store and resell it to the client, earning a discount.

You can organize the delivery yourself or arrange for a partner online store to send the package on your behalf.

Services.

You can choose any service, even if you don't know anything. You can engage in design, legal services, repairs, etc.

To do this, you need to create a selling website or a group or account on social networks. After that, find a specialist in the field in which you decide to create a business. You can hire him for a salary, as an employee, or take him as a partner.

After that, you will split up: you will be engaged in the promotion of the site or group and generate a flow of customers. The specialist will do the work, providing services to clients.

If you cannot find such a specialist, then you can come or call any company and offer to attract additional clients for them, receiving a reward for this.

Service.

To do this, you need to be an expert in the field in which you plan to build such a business. It can be access to a closed database or a useful service that solves a user problem.

Infobusiness.

Selling information via the Internet is one of the most profitable types of earnings. The fact is that the monetary costs of creating information products are minimal, and they can be sold an infinite number of times.

The most common type of information products are training courses. In our information overloaded time, it is becoming increasingly difficult to sell information. But with the right approach, this type of income is still very profitable.

7. Newsletter.

Many businessmen note that e-mail mailing is the most effective and profitable way to make money on the Internet. But this is not about spam, but about the case when users voluntarily leave their email address.

You can collect a subscriber base using the subscription form on the site, advertising the capture page using paid advertising methods, changing the e-mail to some useful information, etc. And mailing is carried out using special services, such as Mailchimp.com, Smartresponder.ru, Justclick.ru, Getresponse.ru.

In order for subscribers to willingly read your newsletter and not unsubscribe from it, you need to send them useful information in 70-90% of your letters. And only 10-30% need to send letters with advertising or a call to buy.

Passive income is such income that does not depend on the regular activity of a person. The simplest example would be a bank deposit: it consistently brings interest to its owner. Regardless of the age of the depositor, the presence of illness or the desire to go to work, interest will be accrued to him.

Active income is completely dependent on the actions of a person. To receive it, you need to engage in any activity: produce goods, sell them, provide services, extract minerals and much more.

Revealing the concept of stable passive income, do not forget about the risks. On the example of a deposit, the following risks for depositors can be distinguished:

currency depreciation;
bank failure;
force majeure circumstances.

There are also a number of inconveniences: interest is accrued after the end of a certain period of time (for example, once a month), and the invested money cannot be used until the end of the deposit period.

Therefore, before creating a passive source of income, it is necessary to take into account all possible risks of activity.

Proven Ways to Generate Passive Income

Before you create passive income from scratch, it is recommended that you familiarize yourself with the existing ways of such passive income. This will help you see all the advantages and disadvantages of the main options for passive sources of income. The article will consider effective and proven sources of passive income. They can be used as the basis for building your business.

It should be borne in mind that, having a certain amount of funds, it is somewhat easier to build a source of stable passive income. Having no money to realize your dreams, you will have to spend your own time and effort.

Registration of business and delegation of authority

This is the most effective way to earn passive income. It has a minimum of shortcomings with a competent organization of the case. To create it, you will need the following:

organization of the enterprise;
business development;
access to a stable income level;
selection of a candidate for the position of manager;
making a profit with minimal time spent on control of key documents and making important decisions.

Of course, there are risks here as well. Among them, the main one stands out: the responsibility and decency of the manager. The further success of the company or organization will depend on his daily decisions. To select a suitable candidate, they most often resort to proven personnel who have worked at the enterprise for a long time.

It is not easy to create and develop a business. This requires a lot of time, money and skills. However, there are many situations when a skillfully chosen niche for doing business allows you to quickly develop it.

What you need to start your own business:

business plan;
start-up capital (in most cases);
official registration;
rental of premises;
hiring employees (if required).

Any enterprise bears risks for the entrepreneur. No one can be sure that the activity will generally generate income, and not losses. Therefore, you need to weigh everything correctly before creating your business. If everything is done correctly, the entrepreneur will have success and the opportunity to receive passive income.

Selling your intellectual property

This option is suitable for those who have knowledge and skills in certain sciences or specialties. How to create passive income from scratch, being able to create in-demand information products? They need to be implemented.

What can be classified as intellectual property:

artistic, literary and scientific works;
created unique industrial designs;
developed software;
invented objects or technologies in all branches of life.

As can be seen from the list, intellectual property can be in any field of human activity. Both a written book and a unique invention that helps to increase the productivity of equipment, for example, can bring passive profit. In order for the property to be individual, it must be documented. For this, patents are issued and copyrights are assigned. Owning them, you can make a profit from the sale of your goods / services.

The simplest example for considering a profit option would be a written book. The author of the book will sell copies of books on his own or through an agreement with a publishing company. The owner of the rights will receive a profit from each book sold. If it is in demand, it makes a profit. If it is in demand for a long time, it brings profit for a long time.

This doesn't just apply to books. Increasingly, they resort to creating various programs on PCs or mobile devices. One completed project can generate passive income until another, cheaper or more useful, comes on sale.

Accordingly, in order to create such a source of income, a person needs:

invent / create something unique and in demand for society;
confirm their rights to the invention;
realize the product of their activity.

Disadvantages: it takes a lot of work to create unique works/equipment/technologies; the property may be unclaimed and will not bring tangible profits.

Building your own trading network

Such a network is able to provide its owner with a constant passive income. All actions will be performed by network members, and its creator will receive ever-increasing profits. For this you need the following:

create your own unique products (services are less often provided);
formalize the enterprise for the production and sale or cooperate with the manufacturer;
to interest those wishing to become members of the network;
sell them to other network members;
form the price of the goods in such a way that part of the profit goes to the owner of the network, and part - to the seller of the goods.

Anyone who wants to earn money in such a network should sell these goods. The more he sells, the more he earns. The main key to success is high-quality and sought-after products at competitive prices. It can be anything from cosmetics to food, medical products or unique services.

The main difference from most network marketing companies should be the following:

providing guarantees to all network participants;
use only safe products;
availability of contacts for communication with the management and all comprehensive information about the activities of the organization.

These factors will increase sales and employee engagement.

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What is passive income and how to create it for an ordinary person? How can you live on the percentage of your investment and never work again. Read about all this below.

1. What is passive income

Passive income- this is a constant and stable source of income that does not require any time costs (or they are minimal)

The main idea of passive income is to create eternal sources of income for yourself and then continue to receive money from them on an ongoing basis. That is, we once created something and then we do nothing in order to receive funds. For example, the work we are all used to is an active source of income, since payment is made only when the employee goes to work. Therefore, you need to constantly spend your time.

The simplest example of passive income is renting out an apartment. You are paid monthly rent. In order to receive this money from you, no further action is required.

The earlier you think about creating a passive income, the more opportunities you have. You will be able to accumulate funds faster and more to implement your plans. Most of us dream of the following: create ourselves financial freedom and no longer work, but do what we love.

The benefits of passive income

For example, you can save money on a bank deposit every month and save a good amount in a year. For 3 years, this amount will be even more solid and perhaps even a percentage of it will be enough for you for some needs.

3.1. The effect of compound interest

In mathematics, there is such a thing as compound interest. Simply put, this means that over time, your savings begin to grow not linearly, but exponentially. This can be easily achieved by reinvesting the income received.

For example, if we put 1 million rubles at 10% per annum, then in a year the amount will be 1.1 million rubles. Two years later, the amount of 1.21 million rubles will be on the account. During the second year, the capital grew by 110 thousand rubles, and not by 100 thousand rubles, as in the first year. Even in such a short period of time, it is already noticeable that capital is starting to work for us even more efficiently.

I agree with those who say that it is insignificant. However, if we take a calculator and calculate what will happen in 10 years, in 20 years, it turns out that the effect is already huge.

How fast does compound interest increase?

To double the original amount of money at a constant interest rate of 10% per annum will take not 10 years, but only 7.25 years. It will take 11.5 years to triple.

Develop your financial literacy. To do this, read books about investment, trading, the philosophy of wealth. You can start with Robert Kiyosaki and continue with specialized exchange literature.
Create new assets regularly. Look for new opportunities, they are always there.
Create multiple sources of passive income. You don't have to be tied to just one.

3.3. Rules: how to become rich from scratch

There is a basic set of rules that everyone who wants to become rich should follow. They are not difficult at all and can be done by anyone:

Pay yourself. As soon as you have received a salary, first of all set aside a part of the funds for yourself (at least 10%). Most often, the population, on the contrary, repays debts and spends money, and what remains is put aside. This is a habit of poor people, eliminate it from your life.
Save what you put aside. This rule implies that deferred funds cannot be spent.
multiply money. It is necessary to invest money in reliable assets in order to constantly increase your capital. We will talk about the sources of passive income below.
Save the multiplied. The resulting profit is best reinvested so that savings grow faster. No need to invest in dubious and overly risky assets.
Create multiple asset types to minimize your risks. Whatever your total reliable income, it will be even more reliable if you distribute money among several such sources.

4. Sources of passive income

You can create many sources of passive income. Everything depends on the individuality of each of us. We all have slightly different knowledge, skills, capabilities, wishes, so you can decide for you what exactly you can do. We will only consider in detail the basic options for stable sources of money. We will focus on a mathematical basis to calculate how profitable each source is.

How many sources of passive income you will have is up to you. I can only say that the more of them, the more reliable and richer your life. Therefore, follow the Pareto principle: 20% bring 80% of the result. Make small efforts in different industries to get the most benefit.

4.1. Bank deposit is a reliable source of passive income

A bank deposit is the most popular means for saving and accumulating funds among the population in Russia. The interest offered by banks is certainly not as high as we would like, but nevertheless it is really the most reliable way to increase your capital a little in the absence of any action.

There are a lot of offers on the market of bank deposits. Each bank offers its own line of deposits. If you spend literally 10 minutes, you can choose the most profitable for you. Do not be too lazy to do this, because there are always profitable offers in banks, where the yield will be slightly higher (at least by 1-3% per annum).

You don't have to worry about losing money. All deposits are insured by the DIA for the amount of 1.4 million rubles (including interest). It makes no sense to deposit exactly 1.4 million rubles in one bank. It is better to put a little less to insure the accrued interest. For example, if we are talking about a rate of 8% per annum for a year, then it would be logical to deposit the amount of 1.27 million rubles and sleep peacefully (at the end of the term, the deposit will have 1.3716 million).

How much can you earn

The return on investment varies depending on the economic situation. The relevance of the information should be checked. As of 2019, you can find deposits with a maximum rate of 8.5%. In more reliable banks at 7% per annum. These are almost the smallest rates on deposits in the new history of Russia. Previously, there were always offers at 10-12%.

Reliability of investment (the amount is insured by DIA)
predictable income
No action required from the investor
You can invest any amount
There is no way to "break loose" and spend money, because. it is necessary to break the deposit agreement and then the accumulated interest will "burn out"

Low yield
It is impossible to close the deposit ahead of time without losing interest
You can not store solid amounts of more than 1.4 million rubles in one bank

I also advise you to partially keep money on debit cards, which give interest on the balance. These cards also give cashback on any purchase. I use these cards myself:

Tinkoff. 6% per annum on the balance. Amount up to 300 thousand rubles. You can transfer any amount to a special savings account at 5% interest.
Benefit (HomeCredit Bank). 7% per annum on the balance. Amount up to 300 thousand rubles.

Summing up, we can say that it makes sense to have some part of the money on deposits, because. it is a liquid and reliable asset.

4.2. Renting out real estate

Real estate has always been and will be in trend among investors. Such purchases can be visually seen, felt. However, their profitability is extremely low, but first things first.

Real estate can be earned in two ways:

Rent
Resale

For passive income, the first option is considered, since the second method is more risky and requires a constant search on the market for new good offers.

There are the following types of real estate investments:

Residential (apartments)
Commercial (garages, office space, warehouses)
New buildings (investments in the construction of new facilities)

Large investors buy commercial real estate more often, since the yield from renting out non-residential premises usually brings more profit, and also does not need any repairs. However, this situation occurs only during favorable periods of the economy, when GDP is growing steadily and inflation is within acceptable limits.

It is difficult for an ordinary person to buy commercial real estate because of its high cost. Objects are different, but usually a good place costs as much as 3-5 one-room apartments. Therefore, many people would rather choose the option of buying 3 apartments than one such object.

Since 2014, the economic situation in Russia has been rather difficult. Real estate prices are not rising. Therefore, many who have invested in commercial real estate are now at a loss. Residential also fell in price, but with slightly less losses for the investor.

What is the yield

The yield from renting out is at a modest 4-6% per annum. This is even less than on bank deposits. At the same time, there are still risks of property damage by tenants and periodically you will have to invest in repairs (rarely, but such moments do happen).

Real estate will rise in price over time, but it is hardly worth counting on it, since this is an extremely long process. For the growth of its value in the country as a whole, there must be economic growth. Otherwise, due to wage cuts and high inflation, no one risks getting into mortgages (most apartments are bought on credit), even with low rates.

High reliability
Real estate can be seen with the eyes, which is very important for many people
Stable rental income
Great option for risk diversification

Low yield
Low liquidity (when selling, you will have to look for buyers for the average market value, plus another 2-3 weeks to complete the transaction)
There are real estate overheads
Large investments (real estate costs several million rubles at least)

4.3. Investments in securities

The securities market is traditionally considered one of the most profitable options for increasing money. Yields are on average at the level of 8% -20% per annum, provided that you act on the principle of "buy and hold". If you engage in trading, you can significantly increase these numbers and get 30%, and even 100%.

High profitability and high liquidity allow you to quickly and efficiently manage your capital. Anyone can enter the market, and for this it is enough to have a small investment. I would recommend entering the market with amounts from 100 thousand rubles.

Constantly and most importantly guaranteed, getting a certain income every month is the dream of any investor. Money works without your participation and any effort and brings even more money. How to achieve this? Answer - you need to know where to invest money. Of course, the amount of profit will directly depend on the amount of invested funds. And let's say, for novice investors, the profit received from their investments will be relatively small. But you need to start somewhere. After all, the very fact of generating very attractive. In order for income to grow, you need 2 things: periodically invest additional money and constant. In law - over time, even the most modest capital can turn into a rather impressive amount, the profit from which will give you a significant financial flow in the form of a monthly income from the placed funds.

Where can you invest money to get a constant monthly income?

We buy with different coupon dates. It is on these dates that you will accrue profit. You can build a portfolio of bonds in such a way that monthly profits will be credited to your account. Usually the duration of the coupon is 91 or 182 days. Every 3 months or half a year, the profit from the purchased bond will go to your account.

Advantages. Higher yield. Clearly predicted and fixed income. High (you can instantly sell bonds without losing accrued profits).

Flaws. Probability of bankruptcy of the issuer that issued the bonds. For blue chips, this probability is small. For OFZ (federal loan bonds) and municipal bonds, it is practically zero. Usually (although very rarely) the so-called third-tier companies (junk bonds) go bankrupt. Avoid buying them and you'll be fine.

4. Dividend shares . Buy, which consistently pay dividends. And not just dividends, but. On average, in the Russian market, this amount is 3-6% of the value of shares. There are companies (but there are few of them) whose dividends are slightly higher and amount to 8-10%. Judging by the latest payments, these are Surgutneftegaz, MTS and M-video.

Of course, the profitability is still small, but if you consider that you are buying a piece of a working (and successful) business, then with the further development of the company, the profit will also grow.

For example. The price of shares in the stock market is very volatile. They can "walk" within 20-30% during the year, both up and down. At the beginning of the year, the shares of SurgutNeftegazP cost almost 50 rubles apiece, then the price fell almost 2 times within six months, to 28 rubles. Considering that the yield on average is 10% per share (at a price of 45 rubles) or 4.5 rubles, buying at the “day” at 28 you would secure a future yield of 17% per annum. And if the company's profit continues to grow, then the annual yield will easily exceed 20%.

Advantages. Having bought a "piece of business" in the form of dividend shares, you will be entitled to count on a share of the company's profits. You can find, thereby obtaining even more annual profitability. With the development of the company, profits will increase, which means that dividends will also grow.

Flaws. Uneven distribution of dividends. The lion's share of payments occurs in the second quarter. Some companies pay dividends twice a year. High volatility in the stock market. Purchased shares can significantly fall in price. But if you are aiming (several years), then it will give you the opportunity to purchase additional shares at bargain prices.

Finally

It is possible (and even necessary) to receive passive income every month. There is nothing complicated about this. The listed methods are available to everyone. And don't forget. Divide your funds into several parts, and use them to make a profit in each way. So, of course, the overall profit will decrease, but you will greatly reduce the risks when investing.