We all want to make a million dollars, preferably from scratch and as quickly as possible! How realistic it is to become a millionaire in a year, month or week - we will consider in detail in this article

Hello dear reader! Alexander Berezhnov is in touch.

The schemes for earning a million, which will be discussed below, have been tested by ordinary people with average abilities, they all work 100%. The article is compiled in the form of an overview of the ways to earn money with which you can get such an impressive amount.

From the article you will learn how today you can earn the first million rubles from scratch in 3-5 months in several working ways.

Go ahead, friends!

1. Is it really possible to make a million dollars in a day/week/month/year?

This is quite possible if you already have the necessary resources, such as a working business, real estate, a high position or good connections.

Also, your name (reputation) or outstanding talent can be a resource for quickly earning a million.

For example, if you are a famous football player, actor or singer.

But what if you don't have any of the above benefits?

In this case, earning the first million will require more time and effort from you, but they will pay off many times over.

If you are not afraid of these difficulties, then go ahead!

Let's count together. For example, earning 200 000 rubles per month, you will earn 1,000,000 rubles for 5 months.

Big money can be made much faster, but I don't think you're going to rob a bank or scam. Therefore, the article will focus only on legal and reliable ways to become a millionaire, even if not in one month.

2. 7 proven ways to earn your first million rubles

The million earning models described below are used by leading Russian and foreign personal finance management experts, businessmen and investors. Among them:

1. Robert Kiyosaki- the legendary American investor, businessman, expert in the field of personal finance management, author of the world famous financial game "".
2. Bodo Schaeffer- foreign speaker, successful businessman, author of books on financial literacy and success in life.
3. Sergey Zmeev- Russian millionaire, business psychologist, expert in personal finance.

Also in the review of ways to make big money, I will use the methods of successful entrepreneurs of the Russian-speaking Internet.

So, let's move on to the methods themselves.

Method 1. Earn 1,000,000 rubles using the Internet

As you know, now only a lazy or completely dense person has not heard about Internet millionaires and great opportunities for making money on the Internet.

Today, on the Web, you can really earn the first million in a few months, and there are several ways to do this:

• social networks (VKontakte, Odnoklassniki, Twitter, Instagram);
• sale of information and knowledge;
• earnings on online games;
• building a business on the Internet;
• earnings on the promotion of affiliate programs;
• create your own website and make money on it.

Already interested? Then just read my article. There I talked about how you can make money on games, on social networks, on selling information from 50,000 rubles a month and gave examples of real people who are already doing this. Some of them I personally now earn.

Take and implement these methods to create your own wealth.

Method 2. Create passive income and take a loan against it

If you are interested in the topic of money and finance, want to become a millionaire, then you are probably familiar with such a thing as “passive income”.

It is this tool that we can use in order to get our treasured million.

For an average person, you can earn a million rubles in this way in about 1 year.

Here's the gist:

You create a small passive income (20,000 - 30,000 rubles), legalize it, for example, by registering as a bank and take a loan against it.

Under such passive income, they will give you just 1,000,000 rubles with installments for several years.

What does it look like in practice and in what ways can you create passive income?

Passive income can be created in several ways, but we will look at 3 of the most real ones:

1. Rent out existing property. The easiest and surest way if you have this same property.
2. Create an information site on the Internet. This method is suitable for people who are good at computers and who want to develop in the field of Internet technologies. Having created a website, you will need to bring it to good traffic and place ads on it, which can monthly bring from 10 to 50 thousand rubles of passive income. How to make money on your site was described in our article "".
3. Become a distributor of a good network marketing company. This method is suitable for energetic and sociable people. Someone underestimates the amount of income that can be received here. In some cases, they run into the hundreds of thousands of dollars a month.

With such an income, you automatically become a ruble millionaire, and even a dollar one is within easy reach. With persistence, $1,000 in passive income in the network marketing industry can be achieved in about 1 year.

If at the same time you still have an official salary, then in combination with such passive income, you will easily be given a loan of 1,000,000 rubles in a bank, and your passive income will gradually pay this amount.

So it turns out that you earned a million rubles this year.

Method 3. Make money by selling your knowledge

If you know how to do something well, then why not make good money on it. You can sell your knowledge in many ways. This way refers in general to the sale of information on the Web. After all, you will transfer your knowledge and skills as valuable information to interested people.

You can teach via Skype, conduct live trainings, or package your knowledge and sell it as your own training course.

I already wrote how to make money selling knowledge in one of the sections of the article about ways to make money on the Internet. Be sure to check out this article, because it is it that can change your whole life and help you earn the coveted million.

In each of the methods described in this article, I provide real examples, brief descriptions of the methods and real people who have already improved their financial situation with the help of an Internet business.

Method 4. Create an asset and sell it for a million

This method is a logical continuation of method No. 2. If you already have an asset in the form of your account with a network marketing company (your personal number that the company assigns to you when you register) or your own website that generates income, then you can sell the account or website as a ready-made business.

In this case, the estimated amount of the sale of such an asset is calculated by the formula:

Your monthly passive income * 24 (two year payback period).

For example, if you receive passive income from your website (business) or being a distributor of a network marketing company in the amount of 40,000 rubles (about $ 1,000), then multiplying this amount by 24 we get 960,000 rubles.

Here we are with you millionaires once again.

Method 5. Make a large intermediary transaction

You can earn big money both in several parts, and at a time.

Sometimes this requires a confluence of favorable circumstances, but as they say, lucky are those who are lucky.

The fifth method is suitable for people with pronounced entrepreneurial abilities who understand the principles of business operation and know how to negotiate.

The easiest way is to earn 1,000,000 rubles by making an intermediary transaction for several million, and your treasured amount will be the percentage that you receive for the work done.

1. Looking for a big investor for any developing project;
2. Look for a buyer for an expensive business or real estate.

In the first case, you find a project that requires large investments and agree with its manager that he will give you a percentage in the form of a million rubles if, for example, you attract ten million investments.

In the second case, you find the owner of a fairly large business or real estate and, in the same way, agree with him on a percentage if a buyer is found for their investment object.

By the way, almost all people earn more than one million rubles in their life, some have a total of all their salaries of more than a million dollars, but oddly enough, the vast majority are in need of money all the time and often sit in mortgage and credit bondage.

The above ideas can serve as a good basis for you to increase your income and savings. Here everything depends on the individual.

For some, all these methods may seem too complicated, but the fact is that most people work almost all their lives for money and by the time they retire, they don’t even have a couple of thousand dollars in savings.

So it's up to you whether to invest a year or two of your time to become a millionaire or continue to live the gray life of an inhabitant.

4. What to do if there are no rich parents and a good inheritance - 7 recommendations from financial experts to earn a million dollars

Not everyone grew up in a Rothschild or Rockefeller family. Maybe that's for the best. But when you become a millionaire from scratch, you will proudly tell everyone that you made yourself.

This principle is especially appreciated in America, where children, reaching the age of majority, leave their parental home. There it is not at all accepted to “sit on the neck” of parents and it is believed that a person must achieve everything himself.

If you also want to learn how to become a millionaire from scratch, then read the recommendations of millionaires and financial experts on making a million dollars.

You should immediately understand that this path usually takes years, even with the right and systematic actions.

1. Always set aside some money for any income that comes to you. So you will form the right financial habit and free up funds for investment. Set aside at least 10%, then gradually increase this amount. This is also done so that you have a minimum financial cushion. Usually such a pillow assumes that you have money on which you can live without working for 6 months. After all, almost all attempts to earn money entail certain risks, including financial ones.
2. Be frugal and don't make impulse purchases. If you look at all the things you've bought over the past year, don't be surprised that by becoming unnecessary, they made you poorer by several thousand rubles or dollars.
3. Engage in improving your financial education. Many people now have secondary and higher education, but not one educational institution teaches financial literacy. And this is not surprising, because the teachers themselves often live off extortions from students or simply survive on their small salaries. To understand how money works, we recommend that you read the Rich Dad Poor Dad series by Robert Kiyosaki and The Path to Financial Freedom by Bodo Schaeffer.
4. Strive to have multiple sources of income. Most people get paid by working at a job, but what happens if they get fired?! Think daily about how to get your total income from different sources.
5. Create passive income generating assets. Even if you spend most of your time earning money for current expenses, regularly take actions that create a system for generating money for you that brings passive income.
6. Build a successful environment. It is always easier to achieve success in a team of like-minded people than to go through this difficult path on your own. Your goal-oriented friends can become your support and think tank for generating money-making ideas. If your environment does not share your aspirations and declares that this is all nonsense - if possible, refuse to communicate with such pessimistic people.
7. Don't waste your time. Time is our most valuable asset. If you manage your time correctly, you can earn your first million dollars from scratch much sooner than you think.

   There is a wise saying about this: "Rich people differ from poor people in what they do in their spare time."

Even if you don't have a lot of money yet, do money actions that help you become richer. Work on your security, and do not have fun and do not squander money.

The question of financial savings arises, as a rule, when it becomes necessary to purchase a large thing. If you do not resort to a loan or credit, you can get what you want very soon. How long will it take to save up, for example, for a car? And on TV? How long will you have to live with your wife's parents before you can raise money for a down payment on a mortgage?

However, many simply dream of financial freedom, but the path to wealth also lies through savings. Even the initial capital will bring a tangible profit if its shares are invested in various industries. But here the question arises: what are the terms of accumulation? How quickly can you save up a million rubles?

How long will it take to save?

To calculate how long it will take to collect money for the desired purchase, use the calculator: calculate the total amount of the collection, the amount of the monthly deposit that you are able to invest, as well as the interest rate.

Thanks to this calculation, you can see how much will be credited to your account only from interest.

It is really possible to find automatic calculators on the Web that independently calculate all interest rates, rates - you only need to enter personal numbers. But, in general, it’s realistic to make calculations yourself using a calculator and a pen with a piece of paper.

Fundraising through deposits - the effect of compound interest

Imagine that a profitable deposit was opened in a bank. With stable work and salary, every month it will be possible to replenish the balance with a specific amount.

You must be aware that the lion's share of bank deposits comes down to the placement of funds with capitalization. Every year, or maybe even a month, interest will be credited to the account and added to the previously invested amount. In this case, the interest will increase over time.

Please note that when the money is on deposit for a long time - about 5-7 years - the interest will reach such a value that it will cover the monthly installment. This is the effect of compound interest.

Of course, there are no fairy tales. To feel this effect on yourself, you need luck. You also need to consistently replenish the deposit, the percentage should always remain high. In addition, your funds will be eaten up by inflation.

When the goal is wealth, it is most likely that you will not be able to get by with only one bank deposit, since its percentage rarely exceeds the rate of inflation.

Most people believe that it is unrealistic to save a million by saving small amounts every month. How can you become rich if allocating large sums does not work?

If you start with 5 thousand rubles a month, you can collect 1 million rubles much faster than it seems at first glance. If you calculate, it turns out that with the amount of 5 thousand rubles a month, it takes 17 years to achieve our goal. But to do twice as fast is real.

The power of compound interest

This article will address the question of how to save a million and become rich if there is a chance to save no more than 5 thousand rubles every month. Why are we talking about this particular amount? It's simple: it's 10% of the average salary in Moscow.

Compound interest table

We present a table of how to really collect 1,000,000 in 110 months (this is about 9 years). Thanks to monthly write-offs, not 1 million rubles, but only 700 thousand rubles are invested in a bank deposit, and the required amount will already be on the account.

Year	Month	Monthly income (growth 5% per year)	Monthly amount to savings (10% of income)	The amount of savings on the account	Savings without interest	Accrued % cumulatively (8% per year)
1	1	50 000	5 000	5 000	5 000	0
	2	50 000	5 000	10 033	10 000	33
	3	50 000	5 000	15 099	15 000	99
	4	50 000	5 000	20 199	20 000	199
	5	50 000	5 000	25 332	25 000	332
	6	50 000	5 000	30 499	30 000	499
	7	50 000	5 000	35 701	35 000	701
	8	50 000	5 000	40 936	40 000	936
	9	50 000	5 000	46 206	45 000	1206
	10	50 000	5 000	51 511	50 000	1511
	11	50 000	5 000	56 851	55 000	1851
	12	50 000	5 000	62 227	60 000	2227
2	13	52 500	5 250	67 887	65 250	2 637
	14	52 500	5 250	73 585	70 500	3 085
	15	52 500	5 250	79 321	75 750	3 571
	16	52 500	5 250	85 095	81 000	4 095
	17	52 500	5 250	90 906	86 250	4 656
	18	52 500	5 250	96 756	91 500	5256
	19	52 500	5 250	102 645	96 750	5895
	20	52 500	5 250	108 572	102 000	6562
	21	52 500	5 250	114 539	107 250	7289
	22	52 500	5 250	120 545	112 500	8045
	23	52 500	5 250	126 590	117 750	8840
	24	52 500	5 250	132 676	123 000	9697
3	25	55 125	5 513	139 064	128 513	10 552
	26	57 881	5 788	145 867	134 301	11 469
	27	57 881	5 788	152520	140 089	12 431
	28	57 881	5 788	159 315	151 665	13 438
	29	57 881	5 788	166 155	163 243	15 486
	30	57 881	5 788	173 039	169 029	16 728
	31	57 881	5 788	179 969	174 881	17 916
	32	57 881	5 788	193 976	180 606	19 150
	35	57 881	5 788	208 151	186 394	21 757
	36	57 881	5 788	215 313	192 182	23 131
4	37	60 775	6 078	222 811	198 259	24 552
	38	60 775	6 078	230 359	204 337	26 022
	39	60 775	6 078	237 957	210 414	27 545
	40	60 775	6 078	245 965	216 492	29 675
	41	60 775	6 078	256176	222 570	30 734
	42	60 775	6 078	268 854	230845	34 129
	46	60 775	6 078	284 609	244 754	35 903
	47	60 775	6 078	296 584	256 668	37 730
	48	60 775	6 078	301 657	260 564	40 743
5	49	63 814	6 381	317 053	271 494	45 560
	50	63 814	6 381	325 527	277 875	49 801
	51	63 814	6 381	334 057	284 256	54 267
	52	63 814	6 381	342 643	290638	58 961
	53	63 814	6 381	351 286	297 019	61 395
	54	63 814	6 381	359986	316 164	63 887
	55	63 814	6 381	368743	328 926	66 437
	56	63 814	6 381	377559	335 308	69 047
	59	63 814	6 381	30635	341 689	71 716
6	61	67 005	6 700	422 834	348 390	74 444
	62	67 005	6 700	432 325	355 090	77 235
	63	67 005	6 700	450 564	364967	80 088
	64	67 005	6 700	460 765	379565	83004
	65	67 005	6 700	470 920	381 892	85 986
	66	67 005	6 700	480 729	401 993	95764
	69	67 005	6 700	500 540	408 694	101 851
	70	67 005	6 700	520 615	415 394	105 220
	71	67 005	6 700	530 751	422 095	108 656
7	73	70 335	7 036	541 290	429 130	112 159
	74	70 335	7 036	551 898	436 166	115 732
	75	70 335	7 036	573 342	450 237	119 732
	76	70 335	7 036	584 144	471 343	126 871
	79	70 335	7 036	595 144	485 414	130 726
	80	70 335	7 036	595 034	492 450	142 726
	81	70 335	7 036	650 576	499 485	151 091
	82	70 335	7 036	661 906	506 521	155 385
8	85	73 873	7 387	673 661	513 908	159 753
	86	73 873	7 387	685 495	521 295	164 199
	87	73 873	7 387	697 406	5 28 685	168 573
	88	73 873	7 387	709397	536 079	178 865
	95	73 873	7 387	745 855	565 853	192 535
	96	73 873	7 387	800 246	590356	199 456
9	97	77 566	7 757	821 302	602925	218 377
	98	77 566	7 757	847 734	610682	223798
	99	77 566	7 757	861095	618438	229305
	100	77 566	7 757	874535	626195	234900
	101	77 566	7 757	888064	633951	240584
	102	77 566	7 757	901681	641708	246355
	103	77 566	7 757	915389	649465	252217
	104	77 566	7 757	929187	657221	258168
	105	77 566	7 757	943077	664978	264209
	106	77 566	7 757	957058	672735	270342
	107	77 566	7 757	971131	680491	276566
	108	77 566	7 757	985685	688248	282883
10	109	81 445	8 144	986578	696392	289292
	110	81 445	8 1 444	1 000 335	704 537	295 798

In the above example, to receive a million, you need to set aside only 700 thousand rubles.

When compiling the calculations, the following figures were taken: the salary grows every year by 5%, every month the amount of deductions increases by 5% per year, the money is placed at 8% per annum during the entire term of the deposit.

Please note that 8% was chosen for a reason - at this percentage, you can place savings in most banking institutions. In addition, this percentage is considered the most realistic for residents of the Russian Federation.

You can find more annual percentage. A number of banks use deposits with a rate of 14%. If you invest in stocks, you can get 20%.

Characteristic features of capital accumulation

To accumulate funds, you should adhere to the following principles:

• start saving money as early as possible;
• make it a habit to allocate 10% of the budget every month;
• do not reduce the percentage of savings;
• choose a bank with interest every month;
• do not charge accrued interest.

If you follow the above rules, you can easily collect the amount you set.

For what period and how to really collect 1 million rubles?

Competent budget planning is not the easiest process. Saving money wisely is especially difficult. The whole problem lies in the fact that it is required to give up certain pleasures, which not everyone can do.

In addition, do not forget that life sometimes makes its own adjustments, so price increases, dismissal from work, force majeure, etc. should not be discarded. Despite this, it is quite possible to reduce costs.

About 50% of earnings every month are spent on buying food. In addition to homemade food, you should not forget about lunches at work. If you take food from home with you, you can save up to 3 thousand rubles within a month.

Let's not forget about the behavior in the store. Quite often, you can fall for the tricks of marketers who offer a discount - the hand reaches for the product. Before you put it in your cart, ask yourself the question: do you need this product?

• do not buy products in reserve;
• in the store to adhere to an exclusively compiled list of products;
• initially take bulk products;
• go shopping full;
• do not take children with you to the store, as they are attracted to bright packaging;
• pay for goods with cash, not with a credit card.

Can reduce shipping costs. If you have a car, you can invite a fellow traveler and share the cost of fuel with him - this will reduce spending by half. If you live near a metro station, you can take a walk in the morning or evening.

If you put aside up to 10% of your earnings in the form of an emergency reserve, after a year you will have accumulated a fairly good amount.

Start doing home bookkeeping. This is quite difficult, because it requires you to force yourself to describe every day how much and where it was spent, but this will allow you to keep track of the money earned and spent.

You will be shocked to find out where about 50% of your salary goes. Moreover, this is what will save up to 30% of your income. Over time, this percentage will increase significantly, as an understanding will come of how to properly manage your funds.

How much can you really save in a year? Million?

Even a beggar can save money - this is a proven fact. In almost every second textbook on financial topics, you can find reflections that it is enough for any person to save 10% of their income.

Of course, for a top manager who earns millions, a gift for a couple of hundred thousand is a common waste. For a person whose salary is 100 thousand, a couple of tens of thousands to buy a handbag or home decor is also not a big waste. For a pensioner whose income is 10 thousand, the best solution would be to save, for example, 1 thousand rubles.

Initially, it may seem that 10% of income is not the best way to save money. But the experience of high-affluence countries shows the opposite. The savings rate in the USA, Germany, and Japan for families has fluctuated for the past half century just around the 10% mark.

Even such accumulation is enough for them to keep the lead in the world economy.

It turns out that in order to assess your strength in fundraising, it is enough just to multiply 10% of earnings by the number of months.

As a result, in 12 months you can receive at least 1.2 monthly salaries or pensions. It should be noted that it is realistic to invest funds for a long period at 8-12%, so for 5 years you can collect 8 monthly salaries. All in all, a pretty good amount.

You could even say that 10% of income is the easiest way to accumulate funds, so if you can increase the percentage, do it.

If we talk about the maximum amount of fundraising, the figure can be increased to 40% of earnings.

The amount of accumulated funds through the bank

Collecting money and not investing it in anything is a stupid idea, since at least every 5 years inflation increases prices by a couple of times. A bank deposit will protect your funds from depreciation.

As a result, 12% is considered the main benchmark in the coming years. For a couple of months, such an investment will not bring much profit, but if you invest constantly for a couple of years, the picture will be quite pleasant.

The average salary in the country is 30 thousand rubles, in Moscow - up to 60 thousand. It turns out that a family of two can save up to 10 thousand every month. Five years later, it is realistic to buy a normal car.

If you carry out accounting of expenses, the bar of the deferred amount rises to 20 thousand in the regions of Russia, up to 40 thousand in the capital. With such amounts, it is possible to collect up to 20 million rubles and more in 15 years. At the same time, this amount will be enough to purchase two apartments in Moscow.

Fundraising for real estate

Probably, for the majority, the most important goal will be the amount for the purchase of their own housing, be it a house or an apartment. Remember, having a goal is important, it will allow you to move towards it faster.

35 sq. m - the minimum size of a separate housing in a standard size in Russia. Of course, the situation may differ in different cities and regions, it all depends on the local salary, on the demand for housing on the part of residents. On average, according to Rosstat, a Russian can afford to pay 0.64 meters of housing.

In the capital, this figure is less - 0.39 meters. It turns out that in order to purchase a one-room apartment, you need to use up to 55 average salaries in the regions and 90 in Moscow.

Based on the simple method of raising funds at 10% per month, you can set aside 8 earnings over 5 years. If you work with 30% per month, you get 25 earnings. After 12 years, the apartment in the center of Moscow will be yours. And if you take into account real estate in other areas, you can get the keys in 6.5 years.

You can use the same form to calculate the accumulation as for a two- and three-room apartment. The cost of real estate is always associated with demand, and therefore with the income of the population. It turns out that if wages rise, apartment prices rise with them.

As a result, it turns out that a 2-room apartment of 50 sq. m will cost 80 salaries, and a 3-room apartment with an area of ​​65 sq. meters - at least 100 monthly earnings.

The speed of fundraising depends on how much money each person is willing to save. If you take from 10 to 30% of the family income of two working family members, you can save up for real estate in 5.5-15 years.

For the capital, these terms increase, but are also considered real. If you save up to 10% of a Muscovite's salary, you can save up for a one-room apartment in 14 years. And if you save 30% of your salary, then you have a 3-room apartment in your pocket after 12.5 years.

$1 million collection duration

Quite often, one of the main goals of a person is to accumulate a million in a certain currency, it can be both dollars and euros. Now it is clear that the average salary in the Russian Federation allows you to quickly become a ruble millionaire. The goal is more difficult, but feasible for a person who receives a salary below the average.

Calculations show that it is possible for one person to collect 1 million rubles in 9 years, while saving 5 thousand rubles. But appetite comes with eating, so when one goal is achieved, you can proceed to a more global task.

Let's not pretend: the biggest financial achievements have always been millions of dollars. And, oddly enough, even such a task is solvable for a family with average incomes.

Before proceeding to consider this issue, one recommendation: you can save money in a currency, for example, in dollars, to a bank account. This method of accumulation in reality is not very different from ruble investments. The maximum rate in foreign currency in the Russian Federation is most often in the region of 2.5-5%. This is enough to keep the foreign currency from inflation and slightly increase the profit in rubles.

At times when the ruble is seriously devalued, which happens once every 10 years, foreign currency deposits completely catch up with ruble deposits, and then begin to lag behind again. Is there another option? Yes - to invest the dollar in the industry where it is able to provide a person with the maximum profit. The best option is the American stock market.

For residents of Russia, this can be done by registering an account with a brokerage company or by purchasing shares of mutual funds that invest their money in the United States. There are no technical differences from deposits, all operations are done in the bank. But in this case, we are not talking about replenishing an account, but about acquiring a security.

10% per annum is the profitability of the US market. For hundreds of years, these figures have not changed significantly. If you invest through mutual funds, the profit will be a few percent less - this is the share of intermediaries. But as soon as the savings increase in price to 10 thousand dollars, you can go directly to the stock exchange and receive 10% of your finances.

As a result, it is possible to close 8% per annum in foreign currency, until there is 10 thousand dollars, and after that, until 1 million dollars is collected.

It turns out the following picture: a family with 1.5 thousand dollars (100 thousand rubles) is able to collect 1 million dollars in 27 years. If we consider a young couple with an average salary, it will take longer to achieve such a goal, about 30 years.

Moreover, even with the help of one person, it is realistic to achieve such a result.

Imagine that you are a university graduate who is 22 years old. Before retirement, you can raise your $1 million. It takes 38 years and $200 monthly.

Is it true? What makes it real? Due to the capitalization of interest. Acquisition of securities for dividends from previously purchased by the Central Bank + additional investments. At the same time, most of this amount will fall on the growth of the market.

If a person starts saving $200 at age 23, then over the entire period of investment, the shares will exceed $90,000, which means you can get 11 times more. A family of two people will not be able to achieve such a result, since it will be necessary to invest at least twice as much into the account as a young specialist.

One of the top savings tips: start raising money as early as possible. A strong thing is a compound interest, it is he who will allow you to multiply your capital several times.

Imagine that if you set aside $100 from the birth of your child, he would have $60,000 to start before he comes of age.

To be frank, it is difficult to get into the ranks of currency millionaires with only one salary, and not everyone can do it. Therefore, you will need to stock up on patience and a million discipline.

Is it really possible to speed up the process?

Yes, but this will require large financial investments at the start or better management. You can also try to find an additional source of income. Perhaps one should observe modern trends, new methods of earning. But it is impossible to talk about a short time period if we are talking about an average family.

Compound interest and 1 million rubles

The question “How to accumulate a million in a year, or how much time is it realistic to collect such an amount?” quite similar to an equation with three variables: stable collection, time to reach the goal, percentage of return on savings.

The success of the process depends on how much funds are allocated for savings and how often this is done.

The deadline for achieving the goal is set by the person independently. Percentage yield - the more interest you found for an investment, the less savings will be required to solve the problem.

Compound interest

This method allows you to collect 1 million, taking into account the three variables described earlier. Compound interest is especially useful if there is a desire to make a large long-term savings without a large investment. This is exactly what happened to Fry from the cartoon "Futurama". There were 93 cents in the bank account. After Fry ended up in a cryochamber and woke up a couple of thousand years later, he already had $ 4 billion, just from compound interest, even if he did not have stable investments.

Fry and compound interest

Since we do not have a time machine, we can calculate an example that is close to life. So, if a typical working person saves $120 every month for 30 years at 15% per annum, after retirement he will have an amount of $1,000,000 to spend annually.

To carry out such calculations, use the table below:

plt	desired annual pension in dollars	-100000
clerk	years in retirement	20
bid		15%
pv	total, how many dollars you need to have before retirement	625, 9333.15
ps(pv)	initial savings in dollars today	0
clerk	number of years of investment (remaining until retirement)	30
bid	investment instrument rate per year	15%
bs (fv)	how much should you have before retirement	625, 9333.15
pmt	annual amount to save until retirement	— 1, 439.77
	monthly savings in dollars	119. 98
	the same amount in rubles at the rate of 1 dollar = 47 rubles.	5, 639.10

For a million rubles, the formula is easier, since monthly pension payments should not be taken into account: follow the link.

You can see the table in GoogleDocs, which shows the formulas for calculating savings, taking into account compound interest. It can be used to create a plan for achieving a personal goal.

Method of collecting 1 million rubles for 3 years

1. The first year is to set aside 25 thousand rubles every month and invest them in a bank account at a rate of 12% per annum. At the end of the year, the amount of 300 thousand rubles is in your hands.
2. The second year is to set aside 25 thousand rubles every month and invest them in a bank account. By the end of the second year, the capital will be 300,000 + 300,000 * 12% = 336,000 rubles. (accumulated for the first year, taking into account interest). A total of 636 thousand rubles.
3. The third year - on the bank account 63.6 thousand rubles + 63.6 thousand rubles * 12% = 712,320 rubles. But plus another 25 thousand rubles for 1 year = 300 thousand rubles. In total, the final amount is 1 million rubles.

There are plenty of tips on the net on how to save money, and at the same time set aside the saved money:

• Take home free bags of sugar and salt from cafes and restaurants. Additionally, you can pick up paper napkins or unwind toilet paper.
• Dry shoes in winter with cat litter. Allows you to save on an electric dryer or new shoes.
• The "remnant" needs to be softened a little and attached to a new piece.
• Instead of using a toilet air freshener, it's realistic to use a few matches to kill the smell.
• Eat only at home.
• Remember that 8 is the symbol for infinity. Therefore, the house should have a lot of banknotes with this number. Such bills are not spent and are stored separately.
• Did you find a coin on the floor? Pick up and fold separately. For example, in England, one family was able to raise £360 over 12 years using this method.
• Charge gadgets at work, in a cafe and at a party.
• Take a shower for 2 minutes on a timer.
• Clothes can be purchased in stocks, second-hand stores.

It is difficult to find a person who has not dreamed of becoming a millionaire at least once in his life. According to the most conservative estimates, about 95% of citizens constantly dream of earning a million dollars, and only a modest 5% have either already earned that kind of money or abandoned their idea for ideological reasons.

Make a million - internet examples

Another idea for a million bucks, turned out to be a social idea for classmates, it was launched in the USA by a 15-year-old Katherine Cook with 17 year old brother Dave. Of course, today Russia has an analogue, a very successful one, but for 2005 it was a novelty. The site Zenhex.com brought its creators several million dollars. True, the teenagers did not develop the project themselves, after a successful start, they poured in more than 4 million eternally green investor capital. I wrote about venture investing in.

One of the fascinating stories of how to become a millionaire can be the story Michael Furdyk.1996 Michael felt, understood, guessed, lucky (underline as appropriate) the advent of the era of information, creating sai T MyDesktop.com dedicated to computers. It is worth noting one feature, the guys filled the site on their own using the same Internet, the result exceeded expectations, after 4 years the site was sold, each of the partners received more than one million dollars net.

A classic example of earning a million on the Internet can be considered Adam Hildreth, a young man already at the age of 14 launched a social network for teenagers, by and large, nothing special. True, Adam chose a non-trivial path to monetize income, he suggested that large companies (manufacturing products for young people) use the network as a focus group for developing marketing campaigns. As a result, the company Dubit Limited, headed by Adam Hildreth, arose, and the young man himself became the owner of a fortune of over $ 4 million before the age of 20.

Often, in order to come up with a million-dollar idea, it is not necessary to be creative or invent new products, it is enough to use the existing knowledge plus resources correctly. Thus, he did Jason Bryan. Its Jason began his professional career working in the marketing department of a car dealership. What did Jason Bryan to make a million?

Quite simply, using his knowledge of selling and advertising cars, Brian created his own website Autocricket.com to help potential customers choose the best car. Money resource was brought by the sale of information about potential customers to manufacturers, car dealers. The resource quickly became popular, already in the first year it was possible to attract 250 thousand investor money for a startup. Two years after the start of the project, the site's gross revenue exceeded $ 6 million, which is not a profitable investment.

For young people and those who want to earn their million today, the Internet is the most favorable place, which once again confirms the experience of an 18-year-old Joshua Jabiak.For your 18th birthdayJoshua managed not only to create and sell Mediacatch for $ 1 million, but also invest in a new project showclix. Showclix- site selling tickets for concert halls, cultural centers, museums. The project not only attracted about $1 million in venture investments, but generates about $9 million in revenue.

Earn a million on trading, examples

You can trade in different ways, usually just by displaying a product, or you can create conditions and offer a service. Went down the last path Olga Nazarova, started selling navigators, but sold not just a device, but a full range of services, including programs that provide control over the movement of vehicles. The idea of ​​control (and therefore savings) was liked not only by forwarding companies, but also by agricultural producers, and Olga became a millionaire

What could be easier than glasses? Glasses have become a common attribute of society, it turns out that even such ordinary things can earn a lot of capital. 21 year old Jamie Murray Wells proved that even here there are possibilities. The essence of the idea is simple, the creation of an online glasses store, however, with a small amendment, glasses can be bought with a prescription. You enter the data, ready-made glasses come by mail, quickly, cheaply, angrily. Jamie $2 million in revenue plus a multi-million dollar company.

How can you make a million? Often we are looking for the answer anywhere, but not where it really is. Most likely, it was this logic that guided Raymond Lee started selling T-shirts. Everything seems to be trite, Raymond ordered T-shirts in China and sold them in the USA on his website Ooshirts.com. Simple and nothing brilliant, at the same time, in two years, sales increased to almost $ 1 million. Fascinated by his ideas, the young man abandoned his studies (he was 20 at that time), carried away by trade.

One of the most striking examples of making money on trade, young people can serve Cameron Johnson. Cameron's business career began when he was 9 years old, with the development and sale of exclusive invitation cards, by the way, anyone can start such a business.

Further more, in the wake of the popularity of plush toys in the United States, Cameron Johnson began trading bear cubs, monsters, using his own website. Cheers and TearsAndeBay, the children's business brought quite normal 50 thousand profits.

Then the young entrepreneur implemented a number of projects, from a program (he invented it himself, and ordered its implementation from freelance programmers) for the sale of advertising to services for the sale of gift certificates. By the age of 19, Johnson had sold one of his projects ( CertificateSwap.com) for a few million bucks. True, he became a millionaire much earlier, according to the entrepreneur himself, by the age of 15 his earnings exceeded $ 1 million per year: - “I was 15 years old, and I received checks of $ 300,000 and $ 400,000 every month.”

Earn a million - production, services

You rarely meet startups that help not only make money, but carry a real social focus, it was this project that helped you become a millionaire Dmitry Yurchenko. Dmitry is the developer of the "life button", a service through which pensioners, just the elderly can sound an alarm. After receiving a signal to the call center, doctors are sent to the pensioner, it’s just not fancy and it turns out to be profitable.

Production is not always machine tools, machines, other global things, often millions of their owners bring insane and stupid things. This is the product made from Jason Wall rich person. Jason first "invented" and began selling small bead-shaped caps for car antennas. The company he founded AntennaBalls for several years of work, she crossed the line of $ 1 million in income. Are you surprised? read further.

How do you like making a million on lids for glasses? True, the lid is not quite ordinary, but changes color as the temperature changes, its inventor Nick Base I probably didn't expect this kind of success. At the same time, the idea brought him the coveted sum with six zeros. True, the inventor did not stop there and began to make money not only on covers, but also on advertising on the front side.

Innovation also brings money, this fact is confirmed by the story of Daniel Gomez Iñiguez. The basis of the idea is banal - an oil pomace press. Daniel began to develop his own press, which ensures the maximum yield of oil, from school, the solutions applied by the student made it possible to increase the pomace and ensure good quality. Such oil could be used to produce biodiesel. The results were not long in coming, investors came, now Solben is valued at much more than $ 1 million.

Fraser Doherty is a prime example of earning opportunities for teenagers. As a 14-year-old teenager, Fraser started his own business, it's hard to say whether the young man "guessed", or maybe he was lucky, his products fell on the fashion trend of healthy eating. The young man began to cook jams on his own according to old grandmother's recipes. The product came out not only useful (no preservatives, flavors were used in the preparation), but also nostalgically tasty. The market quickly appreciated the young entrepreneur, the startup attracted investments. Three years later Fraser Doherty's firm had a turnover of more than $1.5 million, selling its products throughout England.

Made a Million Dollars with a Crazy Idea in 5 Months [Storytelling]

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Interesting on this topic

We are a married couple from St. Petersburg. Having calculated the savings, we found that we were approaching a million rubles. At the same time, we do not have an apartment, a car and children. We live in a hostel. The question arose of where to invest in order to at least save money, but rather increase it.

You can't buy an apartment in our city for that amount. There is no desire to climb into a mortgage, and the housing issue is not on fire yet. Does it make sense to buy a room in a communal apartment and rent it out? Or does it make no sense to invest in real estate such an amount? Or try your hand at investing in securities?

Dear T-Zh, tell me where to invest a million!

Sincerely,
Konstantin and Catherine

Before investing money, you need to understand what you want to achieve with your investment. It is important to determine your financial goals in order to invest in the instruments that are right for you or buy what you need.

Evgeny Shepelev

private investor

Reserve fund and financial plan

If I were you, I would first allocate a financial reserve from the available money. It should be enough for at least three months of expenses at your usual standard of living, and better - for six months.

How to make an "airbag" and where to store it, I wrote in articles:

A financial reserve is a reserve of money in case of emergency, it does not need to be invested anywhere. You just have it on deposits or cards with interest on the balance, and that's good.

After that, you can already think about what to do with the rest of the money - and a financial plan will help with this. It should write down how much capital you have, what you want to receive, how much it costs, when it needs to be acquired. This will make it clearer what your needs and capabilities are.

You should not spend all the accumulated money on fancy gadgets or a car. But paying if it will increase your income can be useful. You can still think about buying a home in advance, because it is most likely that sooner or later you will want to live in your apartment.

Here is an example of a simple financial plan:

Monthly income for two: 95,000 R.

Expenses: 50 000 R.

Set aside every month: 45,000 R.

There is an airbag for 4 months of life: 200,000 R.

Loans and debts: 0 Р.

This option can be called an estimate of the main goals. Dates, amounts, ways of investing in the table are just an example, not a guide to action.

List of financial goals

List of financial goals

Target	Sum	date	Way	Progress as of 11/12/2018
	120 000 R	10.10.2019	Monthly 5000 R for a replenished deposit	57 600 R = 48%
	5 000 000 R	Fall 2025	With an increase in income, increase contributions to IIS	400 100 R = 8%
Pension	15,000,000 R on deposits and securities	2040	Once every six months 150,000 R to a brokerage account: 80% - ETF for foreign shares, 20% - OFZ. Reinvest coupons. When income increases, increase contributions to the brokerage account	531 700 R = 3.5%

Travel to Mexico for two, hot tour

120 000 R

Monthly 5000 R for a replenished deposit

Progress

57 600 R = 48%

One-room apartment in a new building

5 000 000 R

Fall 2025

Monthly 20,000 R on IIS: 90% - OFZ, 10% - dividend shares. Deduction, coupons, dividends to reinvest.
With an increase in income, increase contributions to IIS

Progress

Every person who has a certain amount of money in his asset thinks about how to increase his capital and make money work for him. Today we will tell you how and where to invest a million in order to earn and increase your money.

Many citizens who have been able to accumulate or earn such an amount of money will probably have a question: “Why do you need to invest money somewhere?”. The answer lies in the economic processes taking place in any country. Everyone knows such an economic concept as inflation, which means the depreciation of money.

In the case of inflation, there is a high probability that a million rubles, which simply lies without use, will gradually become not such a significant amount. Therefore, care should be taken not only to preserve them, but also to increase them.

There are quite a lot of successful investors in the world who once also took their first step towards investing. On their way there were both successes and defeats. It is easier to learn from the mistakes of others, but in order not to make them, it is very important to remember the basic rules of investing.

They are as follows:

TOP 10 ways to invest a million rubles

The best idea 💡 2018 —

Before you look for ways, how and where to invest money, you still need to decide on the purpose of investing. The fact is that short-term deposits are completely different from long-term ones. The desire to make a quick profit increases the risks associated with capital investments. Long term investments are more reliable.

If you need to turn money around in the short term to generate income for a certain item, you can use more aggressive investment methods. If your goal is a constant passive income, use conservative investment tools.

So, the most common methods are:

2. Bank deposit.

4. Purchase of precious metals.

5. PAMM accounts.

6. Equitable lending.

8. Acquisition of shares.

9. Investment in mutual funds.

10. Invest in yourself.

As soon as it comes to saving money on a large scale, the average citizen of Russia immediately thinks about acquiring real estate. And this is the most common way to preserve and increase capital.

One of the basic needs of every person is to have their own land, a roof over their heads, to have their own housing. Real estate will always be in demand and be a reliable way of investment.

As a property owner, you can make a profit in such ways as:

• Rental income;
• Profit from the sale.

Renting is the most common form of passive income. You can rent an apartment by the day or for a long time, while earning income without much effort. Despite the fact that the apartment is used by an outsider, the property is yours. You can sell it at any time at a more expensive and favorable price for you. Rent plus the difference in cost equals the net return on investment.

Another way to make money on real estate is buying and selling transactions. In this case, the following schemes are possible:

• Buy property. Wait until it increases in value. Sell ​​real estate.
• Buy property in a satisfactory condition. Make repairs. Sell ​​the property at a better price, which includes the cost of repairs.
• Buy living space at a time when the house is just being laid or under construction. After putting the object into operation, sell the property at a high price.

And everything seems to be fine, but during periods of economic downturns, any real estate falls in price. And until the crisis passes, it will give a low yield. At this time, it is better not to sell real estate and make a profit only through rent.

It should also be emphasized that you need to deal with a reliable developer who has an impeccable reputation. This will protect you as much as possible and save you from losses.

As for the acquisition of land, it is important to navigate in directions and know promising areas. The land itself can be worth more than any house, cottage, and so on that is on it.

From year to year, the price of land is growing. If this site is located near the city, where it is soon possible to build real estate or land in the city itself and it is planned to improve the infrastructure in this area, feel free to take on this business. You can sell it at any time at a bargain price.

investing in information sites. Become the owner of an online magazine! Return on investment is about 20 to 80% per annum!

Bank deposit

This type of investment remains the most reliable way to increase capital. A bank is a great option for long-term savings. All deposits of individuals up to 1.4 million rubles are insured without fail. So the state protects the interests of the depositor.

But still, it is better to invest no more than 700 thousand rubles in one bank. It is this amount that the depositor can receive as insurance compensation. Yes, and you need to choose a bank that is in the TOP-10 most reliable banks in the country. Thus, you will provide yourself with emotional peace of mind, because, as a rule, these financial institutions have state support.

Of course, it is difficult to call such a method of investment profitable, but it can be affordable. The maximum that the bank can offer you is 10-12% per annum. Of course, by investing a million, you can earn 100,000, but in conditions of inflation, the real income will be much less than this amount.

When making deposits, it is necessary to study all the conditions in advance. The more freedom of action the bank gives to the depositor, the lower the percentage of income. Of course, when making a deposit, the bank places the main emphasis on the interest rate on deposits, but this is not the only indicator of profitability.

The total profit also depends on:

• the possibility of replenishing the deposit;
• interest capitalization;
• conditions for closing an account.

This type of investment is the most common throughout the world in terms of profitability in a crisis economy. By transferring money from one currency to another, experienced investors have the opportunity to get a good income even in a few weeks.

But those who are going to invest in foreign currency need to know:

• if you are willing to take risks, you can make deposits in dollars and euros. It is important when concluding an agreement to keep track of forecasts for this currency. Its value will vary from the world price of oil, as well as from the overall picture in the global political arena.
• A promising investment would be the purchase of dollars and euros in order to sell them next year, when the appreciation is expected.
• a more conservative method would be to invest in the most stable currencies such as pounds sterling, Chinese yuan or Swiss francs.

Buying precious metals

For far-sighted people, investing in precious metals is a priority, because. such metals are not dominated by inflation.

This is a proven option for accumulating and earning money, but there is no need to talk about quick profits here. You can analyze the upward trend in prices for a certain precious metal over 3-5 years and decide for yourself which option to invest in.

Unlike investing money in any business or real estate, the option of investing in precious metals is distinguished by its availability. You can at any time go to a bank that has a license to carry out this operation and purchase an ingot available to you. In this case, your purchase will be accompanied by a document confirming the authenticity of the metal and its estimated value.

Precious metals are those metals that are used in the manufacture of jewelry. These include silver, gold, and the platinum group metals (platinum, iridium, rhodium, palladium, osmium, and ruthenium).

Ways to buy precious metals:

• purchase of ingots;
• purchase of coins;
• buying antiques from these metals;
• purchase of art objects from precious metals;
• purchase of securities backed by gold;
• creation of an unallocated metal account (OMS).

If you decide to purchase a gold bar, it is important to know that you will have to pay a 13% tax if you decide to sell it soon. But after 3 years, the tax on the sale of gold is not levied.

With the purchase of coins, the situation is simpler - their sale is not taxed, but finding a buyer for them is much more difficult, especially if the coins are not collectible.

Creating an OMS is the most profitable way to invest money. With an increase in the price of metal on the exchange, the client automatically receives a profit. At the same time, he does not store precious metals under his pillow and does not contact with him at all. He simply transfers money to a bank account, buying a certain amount of grams of the precious metal.

The advantages of opening an MHI are the accrual of interest, as with a deposit, as well as tax exemption (VAT). But weighing these pluses, you need to take into account the big minus: CHI is not insured by a financial institution, which means that in the event of a bank failure, you risk losing your investment.

The best idea 💡 of 2018 is investing in information sites. Become the owner of an online magazine! Return on investment is about 20 to 80% per annum!

PAMM accounts

This service is gaining special popularity today, because the minimum deposit amount is 500 rubles.

A PAMM account is a type of investment in Forex (interbank currency exchange market at free prices). It enables investors to earn money without trading Forex on their own.

The PAMM account operation scheme is as follows:

• the manager opens a PAMM account by investing a certain amount of money in it - this is the manager's capital. Creates an offer - a proposal to conclude a deal, which sets out the main terms of cooperation, as well as a percentage of the profit that he will receive as a reward for managing investor accounts. The manager risks his capital on a par with his investors, which means that his Forex trading is more deliberate.
• using an independent rating, investors study the performance of managers and invest in the PAMM account they like.
• The manager trades on the Forex market independently. He uses both his own capital and the funds of investors.
• Profits and losses received during trading are automatically distributed between the manager and his investors, in proportion to the amounts deposited.

Peer Lending(P2P)

This is a rather complicated investment process that requires good financial knowledge and a clear orientation in this matter.

P2P is one of the methods of lending at interest to individuals without involving a financial intermediary, such as a bank. You are the lender, your customers are the borrowers. They are ready to conclude insured contracts at 1.5% per day. Monthly income from such peer-to-peer lending can reach 50%

Such social borrowing takes place online on the websites of special lending institutions using a variety of lending platforms and credit check tools.

True, a system that provides a platform for peer-to-peer lending takes a portion of every percentage you earn. However, you will always have your 0.70% per day. After a certain time, withdraw your deposit, earn already on profit.

All peer-to-peer lending services cooperate with collection agencies. These are agencies that specialize in collecting overdue and bad debts from individuals. Their scheme of work is similar to the work of banks with debtors. As a rule, all problems are solved at the level of negotiations.

This is the most profitable way to invest, provided that you do not invest in a loss-making enterprise.

The amount of 1 million rubles is a great start to start your own business. There are no profit limits in this method. You can double or triple your initial investment, or you can increase it 10 times.

It all depends on the right choice. You should invest money in a business that is close to you, in which you understand. The chances of a high promotion of a business will increase if you feel like a specialist in this field. Although this is also not enough, it is important to finance your enterprise as competently as possible.

Running a business means constant struggle and competition. If you initially feel that you do not have enough strong nerves, firmness of speech, rigidity and strength for constant contact with suppliers, regulatory organizations, employees, and so on, then do not rush to start a career as an entrepreneur and think of a more relaxed way to increase capital.

If you still decide to open your own business, here are some practical tips from experienced investors:

1. Find your niche in the market with the least number of competitors;
2. Use ready-made business plans, models and schemes for doing business;
3. Start with the implementation of services;
4. Try to do without bank lending;
5. Don't be afraid to start.

Before investing such a large amount in your own business, study the legal side of the issue well and which will allow you to look at the project from the outside, analyze its strengths and weaknesses, and assess possible financial risks.

One of the ways to start your own business is to buy a franchise. This option can be separately identified as an investment, as it involves the purchase of a ready-made business product.

Franchise is the acquisition of rights to use the name, branded products, sales scheme of a well-known company. Known to everyone by McDonalds, Starbucks coffee houses successfully demonstrate franchising in its classic version. An amount of one million rubles allows you to purchase an average-priced franchise and launch your business according to the scheme of the parent company. At the same time, you do not need to invest in a marketing campaign and incur high advertising costs.

The parent company independently promotes its product, and all companies that have acquired a franchise from it successfully use this.

In addition, franchising will save you energy, time and money, as you will receive working marketing schemes, a ready-made business plan, and advertising support. In fact, this is the purchase of a ready-made business, which in the future just needs to be maintained and developed.

The only drawback is the tight control by the parent company and certain financial risks that, in principle, can be found in any business. It should be understood that you are buying only ready-made schemes for a successful business, and you will have to build all further activities and strategies on your own.

Unlike PAMM accounts and a bank deposit, owning a business (with or without a franchise) can hardly be called passive income. But the plus here is huge - there is a possibility of making quick and big profits.

Acquisition of shares

Today, the purchase of securities may well become a source of stable income. In the event that you become a shareholder of a reputable company or enterprise, you can count on profits that will be formed by increasing the price of shares, or by paying dividends on them.

Despite the fact that there are cases when the price of shares has increased tenfold, you should not rely only on luck. This investment tool must be mastered thoroughly. In order not to become bankrupt, entrust this business to a professional trader whose profitability history inspires confidence in you.

The acquisition of shares implies a long period of investment. On average 3 to 5 years. The higher this period, the more profit you can get in the end. The value of shares is subject to some fluctuations - it can both increase and decrease. But, based on the statistics of previous years, on average, the return on investment in shares exceeds bank deposits by 2-2.5 times.

Investing in mutual funds

Mutual investment fund (UIF) is a collection of stocks and bonds . It is an organization that collects investments from a group of people and invests them in stocks, bonds or other securities. Each contributor owns his part of the fund - a share.

At its core, investments in mutual funds are analogous to investments in the stock market (stocks, bonds). All you need is to buy shares of the fund, which already includes a list of securities compiled by professionals. Mutual funds already contain certain stocks or bonds, compiled under a certain category. These can be shares of telecommunications, oil and gas, consumer, etc.

The advantage of investing in mutual funds is that the actions on your part are kept to a minimum.

The block of shares, the owner of which you have a chance to become, can be collected from different sectors of the economy and different countries. This will protect your investments from the influence of negative fluctuations in a particular industry.

Video. Where to invest in 2017?

Investing in yourself

And the most important investment is investing in your own development. Without self-development, building an investment business is doomed to failure.

Self-development is the starting point for success in any business.

Invest in yourself - buy "smart" books, valuable information products, attend useful seminars, courses on investing and earning. You will be able to easily navigate the sea of ​​cash flows and investment whirlpools. With their help, you can quickly figure out where the necessary and effective methods of earning are, and where there is fraud and a waste of time and money.

By investing money in yourself, you will insure your capital against inflation, crises and force majeure for the rest of your life. This is the least expensive and at the same time the most profitable type of investment. Any investor can only dream of such a combination. Investing in yourself is a powerful idea generator and a unique catalyst for success.

Before starting your own business, investing in your own training will be a great start, which will allow you to stand firmly on your feet, avoid possible mistakes and minimize financial risks.

Conclusion

Today we talked about the most popular ways to invest a million rubles in order to earn money. This list is far from exhaustive. There are many more options for investing capital. But it is up to you to decide where to invest money.

Now you weigh all the pros and cons, all the pros and cons. Think wisely about how to find, not lose. After all, your secure future depends on how competently you distribute your finances, in which there are no debts, collaterals and heavy loans, but only steadily increasing income.

Video. Where to invest money?