Where to invest 100,000 rubles to earn money and not go broke: TOP 10 ways to invest

Money tends to depreciate, so even people with a small income are thinking about how to get additional funds, and where to invest 100,000 rubles to earn money. There are many ways to invest savings that allow you to earn money and save your finances from the influence of inflationary trends. It is better for beginners to choose only proven methods of increasing capital.

Invest and earn: basic principles of investing

Successful investment means consistently receiving dividends without making additional efforts. The amount of passive income can be very attractive. The main advantage of investing is freeing up time, the opportunity to work less or not work at all. However, to earn enough to achieve this, you need to act smartly. Professional investors give beginners the following recommendations:

1. You only need to invest available funds. If you invest your last funds in projects, the risks will increase. First, you need to worry not about making money, but about creating a “safety cushion”. Even experienced investors do not always manage to earn money strictly according to plan; there are also unforeseen circumstances. Therefore, a reserve of funds is required to allow you to live quietly for several months (or better yet, six months) in the event of force majeure.
2. Before you invest, you need to remember the principle of diversification. This means you don't have to put all your eggs in one basket. It is worth dividing your contributions into different areas.
3. It is important to control risks. You need to not only think about how to make money with 100,000 rubles, but also calculate all the chances. For beginners, it is better to choose the most proven and conservative methods that provide a high chance of making money.
4. Sometimes, in order to make money, it is more profitable to attract co-investors. If you have a promising project in mind that requires significant financial investment, you can create an investment pool. Partner money allows you to get more opportunities.

These are very simple tips, however, they can avoid many problems for novice investors. In addition, there is no need to expect quick success. Investing means waiting for a payback of varying speed. Some investments allow you to earn money only after a few years (if these are long-term projects).

100,000 rubles is a good amount to invest. Even 70,000 will allow you to make good money if you invest it wisely. It is recommended to divide the available funds into two or three parts, then you will be able to create a stable investment portfolio.

How to invest capital in rubles - principles of profitable investment

Surely you have asked yourself these questions more than once: why do some people get rich, while others live from paycheck to paycheck and constantly get into debt? How are the rich different from the poor? Why are some people able to generate stable income while others are not?

We assure you that this is not only about the talents and increased efficiency of wealthy people. They just know how to manage their assets more competently. The starting data for the rich and the poor are in many cases the same, but the approach to material and spiritual resources is radically different for both.

People accustomed to constant poverty and debt do not direct their attention and energy in the right direction. But citizens with a different type of thinking create assets that help them radically change their lives.

The long-term goal of any monetary deposits is to create passive income and free yourself from financial slavery. This means that you don’t have to work “for someone else” for 40-50 hours a week for a fixed salary that doesn’t even meet your needs by a quarter.

In one of our previous publications, we already wrote about how to create passive income - read it.

And come to the free anti-crisis online marathon, where you will be told in detail about all the working and current tools for investment.

Having made a successful investment once, we receive constant dividends that do not depend on our labor costs and are constant and stable. Such income can be quite substantial: their main advantage is that they free up your personal time.

Time is a person’s main asset, which cannot be returned back, but can be used right now with maximum effectiveness. It is investments that can give us more time for life, love and creativity.

In order for investments to fulfill their tasks, they must be competent. In this section we will reveal the main principles of profitable investments and explain how to invest 100,000-200,000 rubles with minimal risk.

Practicing investors and specialists in profitable investments give the following advice:

• invest only “free” money in investment projects. First, you should create a so-called “ financial airbag ” - a reserve of money that, in the event of a delay in payments or an unsuccessful scenario, will provide your family with the usual standard of living for several months;
• follow the principle of diversification of deposits. It sounds complicated, but in reality it means a simple truth - you shouldn’t put all your eggs in one basket. Divide your financial contributions into different areas;
• control risks. Before making a deposit, calculate your chances in detail and do not make hasty decisions. It is better for novice investors to choose the most conservative financial instruments;
• attract partners (co-investors). If your money is not enough for a profitable investment, you can create a group of shareholders or an investment pool. The larger the investment amount, the more reliable opportunities there are.

These are basic and elementary principles, but they will help you avoid typical beginner mistakes and save your finances, nerves and energy.

And don't expect too quick results. Investments pay off at different rates: it can sometimes take months or even years (if the investment is long-term) before commissions are credited to your account.

Invest and earn: online projects on the Internet

When wondering where you can invest 100,000 rubles, you should pay attention to online projects. In the age of modern technology, the opportunity to make money online is extremely popular. It is better to look for your niche in this area immediately, before competitors completely occupy it. To successfully invest in web projects, you do not need to be an IT specialist. You just need to have a little understanding of marketing and be financially literate.

The easiest way to get a good income on the Internet is to make money on your own website. This method requires a minimal investment, however, it is important to understand that the site will not immediately become profitable. The first dividends will appear only in six months. The main sources of income for website owners are direct sales and advertising.

It is most profitable to sell information products. This includes books, disks, files, programs, courses. The huge advantage of such products is that a person creates a product once, and then can sell it hundreds and thousands of times. There are also many other methods to make money from your website, but the following methods are more popular:

• partnership programs;
• trading links;
• renting out space on the website for banners and contextual advertising;
• infobusiness.

Many people believe that the time when it was possible to make money on websites has already passed. Nothing like this. Internet projects do not lose their relevance. If you have a clear plan in which niche to invest money and a lot of patience, you can earn a very good income.

Hype projects

A HYIP project is the optimal platform for small investments. The highest monetary return is typical for highly profitable projects. Unfortunately, they have one significant drawback - a limited “life span”. Therefore, it is extremely important to be one of the first to invest in the hype. To invest 100 rubles for 24 hours and receive income, follow a few tips.

Be careful when choosing a HYIP platform

Tips for Newbies:

• Choose a project with favorable tariff plans in which you want to invest.
• Evaluate the hype legend and the scale of the advertising campaign.
• Read user reviews on independent resources.
• Analyze the official website.
• Track the real launch date of the project.

HYIPs that have self-written scripts and sites with excellent usability last the longest . Therefore, it is necessary to choose just such a site.

Invest money in bank deposits

Bank deposits will always be popular. This is a really reliable way to invest your money and earn some money. But just a little, since you won’t be able to make serious money at the current level of inflation. For this reason, experts recommend using this method only as an aid.

In Russia, all deposits up to 1 million 400 thousand are insured without fail. This rule applies to all banks operating under an official license. Therefore, careful investors can be calm about their money.

To invest, you should choose only reliable financial institutions, for example, Sberbank. However, you should understand that this organization has the most unattractive interest rate on deposits. Sometimes it is profitable to exchange rubles for foreign currency and invest your savings in USD or Euro. In this way, you can protect yourself from the consequences of inflation risks and make money, but there are other pitfalls. The advantages of bank deposits are as follows:

• minimal risk;
• stable % of income;
• the opportunity, if necessary, to close the deposit and get your funds back;
• convenience (almost all large financial institutions have their own online applications so that clients can invest money and manage deposits remotely).

However, there are also disadvantages. There are only two of them: you won’t earn much, and you can lose interest if you close your deposit early.

Deposits in Tinkof Bank

Private business

A risky but promising venture. Take a closer look at business incubators and technology parks: perhaps among the many startups you will find one that will take off and make a profit.

First, business should be simple. A service that solves pressing problems - yes, but a far-fetched idea like innovative nanofilters - perhaps not.

Secondly, it would be nice if a young company is going to enter a large market, and not limit itself to solving the problems of a narrow segment of consumers. It’s not a fact that they will succeed, and your money will not be returned.

Don’t be fooled by sweet promises: check the financial statements of your future partner and his experience in business. If everything is in order, feel free to invest.

Learn more about business investments →

Promising startups: how to invest and earn money?

Some innovative projects allow you to earn high profits. Investing in a startup is quite simple. There are special online platforms where owners of such projects present their proposals and talk about the advantages for investors. By registering on such a portal, you will no longer have to rack your brains about how to make money with 100,000 rubles.

This business specialization is called “crowdfunding”. The most well-known platforms that work with startups are Zidisha, Kiva and Kickstarter. You can invest an amount of more than 100,000 or money in a symbolic amount. In addition, there is an opportunity to invest in projects in your hometown, neighboring and European startups.

Where it's definitely not worth it

And now there’s an option where I definitely wouldn’t invest my hard-earned 100 thousand: believe me, since you won’t be able to make money, this is not an investment in the good sense.

Trust management

Closed-end mutual funds with trust management or leaving money to a private financier are tempting but risky investments.

Legend has it that a super pro will take your money and live only to invest it profitably and make millions for you, following your interests exclusively. True, it's even funny. Zero control over your money and no firm guarantees.

And in general, breaking the butt for the sake of achieving someone else’s benefit is generally unnatural. If I myself were looking for where to invest 100,000 rubles in order to earn money (for myself!.. and not for someone else), this option would be the last thing I considered.

If I invest and lose money, at least I can do some analysis and learn lessons for the future. So consider that you gave someone 100 thousand without receiving anything in return.

Forex

Tempting, but no. I trade on Forex, even something works out, but it’s one thing to spend two or three thousand rubles on a trading account without being too upset by the prospect of losing them, and another thing to invest 100 thousand, which was achieved through hard and long work.

For me, Forex is not an option to make money at all and for the following reasons:

• high volatility;
• too much dependence on the psychology of the participants rather than on real economic factors;
• market opacity.

There is no centralized exchange in Forex. This opens up opportunities for abuse by brokers. Just for fun, take a couple of the largest ones, register accounts with the same type of execution and you will see that the quotes are still drawn differently.

Conclusion: a broker is not a stock exchange. This is a full-fledged bidder who wants your money and does everything to ensure that your investment ends up in his pocket.

Binary options

No special comments are needed here. BO is not an investment, period. If Forex can, at a stretch, be called an investment instrument with a risk level of 80+ percent, then binary options are pure lottery. You just take it and throw rubles to eccentrics who are not responsible for anything. A fun online casino for advanced owners of an extra 100 thousand. Money down the drain.

Sports betting or anything else

Betting is not an investment, it is a game of chance. That says it all. Technical and fundamental analysis, trading strategies, investor sentiment, economic calendar - everything is gone.

The outcome depends on 100,500 factors that, in principle, cannot be studied and analyzed. You might as well go to a casino, find a roulette wheel and bet everything on zero. Investments in nowhere and nothing.

Pamm

The scheme itself looks good, but again, this is not an investment, it’s pampering with free money in your free time. Taking risks by trusting your hard-earned 100 thousand to a person whom you have never even met is the height of imprudence. There are no guarantees that the rubles spent will be returned - no one owes anyone anything. Everything is voluntary, the investor bears all responsibility. Also by.

Cryptocurrencies

Why not?

Definitely:

• hypervolatility;
• isolation from the real economy;
• almost complete lack of control and management.

Few? I think that's enough. Cryptocurrencies, other than those backed by actually working smart contract platforms, are money that does not exist.

It’s one thing to assemble a farm and mine some Ether little by little in the hope that it will work. This is an investment (in equipment, in electricity). Another is to accumulate real 100 thousand and spend it on virtual nothing. This is never an investment at all.

Art

We're just passing by. I don’t know a worse way to spend 100 thousand other than Forex and BO. If a person is a layman in this matter, he is doomed to failure. Art and luxury items are usually purchased when there is nowhere to spend the money, but you want to invest in something with status and “long-lasting”.

This is not an investment for everyone, especially for beginners. Even if you are not scammed during the transaction and genuine antiques are sold, they will still remain a terrible illiquid item. Not an option at all, especially for 100 thousand.

Art and Jewelry

It is known that many wealthy people purchase paintings and other works of art because of their taste preferences and desire to experience beauty. And they make money from the fact that creations included in international catalogs and presented at specialized exhibitions are constantly growing in price.

For example, in the 50s, Pollock was just an artist, no one knew him, and his works cost, at most, several hundred USD. But after 10 years, the paintings rose sharply in price and reached 100 thousand dollars. Works by Basquiat and Warhol cost $100-$500 and are now being purchased for six-figure sums.

Of course, there is a lot to consider before investing in art. This requires consultation with experts in this field. The situation is much simpler with the acquisition of precious metals:

• silver and platinum;
• palladium and gold.

These metals have a certain fixed price. Gold bars and coins can be purchased at almost any bank. And also in many financial institutions, clients are offered to invest their savings in a “metal” account, then earn money on gold or in securities backed by this precious metal.

A big plus of such investments is that the cost of precious metals gradually increases. This process is not even influenced by the economic situation in the country. In addition, investing money is very simple. You can visit the nearest Sberbank branch right now and purchase gold weighing from 1 g to 1 kg. The client receives a special document stating that the bar is genuine and the purchase is legal.

However, there are nuances. Gold is subject to taxation. When the client sells it, he will have to pay VAT and income tax. At the same time, the coins are not subject to any taxes, but selling them will not be easy. Purchasing rare gold collectibles is far from the best option where to invest 100,000 rubles to earn money. Winning anything from the sale and purchase of numismatics is very difficult and may take several years.

Securities

Purchasing shares of enterprises and organizations is a profitable way where you can invest 100 thousand rubles. However, it is not as complicated as it seems at first glance. In the USA and Europe, enterprising housewives invest their savings in stocks in order to save a decent amount by retirement age.

The basic rules of investing in stocks are simple. Firstly, long-term investments pay off much more often than short-term ones. Example: shares can rise and fall in price over the course of a year, but over the course of 5-10 years they often increase significantly in price.

Secondly, all the money is not invested in the same stocks. They choose 2-3, or even up to a dozen different stocks, thus forming an investment portfolio. Even if some shares lose value, the profits from the rest will offset the losses.

Thirdly, shares also bring annual profits - dividends. Some shares can bring up to 15-20% of dividends from the profits of the company that issued them.

For those who are serious about investing in securities, you can consider investing in mutual funds. Mutual investment funds (MUIFs) accumulate the funds of their investors in order to invest them profitably in the stock market. The issue of purchasing or selling securities is resolved by a team of professionals trained in accordance with the standards of the Federal Financial Markets Service. Thanks to professional fund management, the risk of loss is minimized.

Purchasing a franchise

Not every person can build a highly profitable business from scratch. To do this, you first need to have a good idea. Sometimes investing in a ready-made project can be more cost-effective and profitable than developing your own direction . Available for purchase:

• fast food or coffee shop;
• promoted selling website;
• bookmaker's office;
• tourist agency;
• beauty salon, etc.

Purchasing a franchise is beneficial if the chosen niche is not particularly busy. It is also of great importance whether the potential business owner has marketing and management skills, because it is the new owner who determines how much he will be able to earn.

Mediation

You can invest 100 rubles in a project that is based on mediation. They will be used to purchase newspapers with advertisements for the purchase and sale of various things, the offer of various services and the demand for them.

And then there is a search, analysis and comparison of similar advertisements in which there is supply and demand for the same goods and services. You should not think that this procedure is followed by everyone who advertises for the sale of something or, conversely, needs to purchase some product or service.

Having found similar advertisements in which the offer price is lower than the ask price, contact both parties and clarify the terms of the transaction, then carry out the purchase and sale with both parties. Good organizational and communication skills required. It is likely that during the negotiations it will be possible to reduce the cost of the goods being sold and increase the price for its purchase.

Buying cryptocurrency

Bitcoins created the effect of a bomb exploding on the financial market. Now the demand for cryptocurrency is constantly growing, so there are more and more prospects. Virtual units are created on the basis of complex mathematical calculations, and their profitability is hundreds and thousands of percent. The thing is that the amount of cryptocurrency is limited, and many people want to buy it, so investing in crypto assets will be profitable.

However, it is important to remember that when working with electronic currency, it is very easy not only to earn money, but also to lose your capital. There are many scammers and hackers who will only need to know the password to steal someone else's property. You need to take good care of the safety of your data.

Almost everyone can invest money in cryptocurrency, regardless of income level. Some invest millions of dollars, while others allocate purely symbolic amounts. But you shouldn’t act blindly; to make money you need to learn about all the pitfalls in this area.

We recommend that you familiarize yourself with the basics in the free book.

Reliable exchanger and exchange.

In retirement

The size of insurance pensions in Russia is small: on average it is 15.5 thousand rubles. It is obvious that with such an income it is impossible to ensure a decent old age. Therefore, experts advise generating income yourself - in addition to the state pension. But how to do this technically?

If we leave deposits and shares aside, what remains are the services of NPFs - non-state pension funds. These organizations are specifically created to create savings for old age. They work like this: the client makes contributions, and the fund invests this money in long-term instruments. The profitability is low, but after a few decades you can get a regular increase in your pension.

Invest and earn with shuttle business

Some people are afraid to invest in securities, do not trust banks and are skeptical about cryptocurrency and Internet projects. In this case, you can remember how money was made in the 90s. It was the shuttle business that helped many entrepreneurs earn decent capital. With 100,000 or even less in your pocket, you can try investing in this business. The scheme is as follows:

1. You need to look at advertising on television, on the Internet or on Avito and understand which products are now in great demand. For example, quite recently there was a boom in multicookers and steam vacuum cleaners. For small things, you can try purchasing matte lipsticks and certain wardrobe items for women.
2. After this, you need to find a manufacturer of similar products or a wholesaler in China. You should order a trial batch from him.
3. Products can be placed on Avito with paid advertising costing 500 rubles per week, or in a VK group, which can be created in one evening, or in an online store.
4. The minimum markup on products will be 50%.
5. It will be good if you can arrange courier delivery.

Advice to a novice investor: where to invest 100 rubles to earn money

If your attempts to make money on the Internet with investments have not been successful, do not despair! Earning money with an investment of 100 rubles is quite possible, but it is not immune to risks. Carry out serious work on the mistakes and draw the appropriate conclusions , after all, this is the amount after the loss of which you will not have to neutralize the consequences of losses for years, which means you can invest it again. On the other hand, entire regions are being built up brick by brick, so even a hundred-ruble cash injection requires sober mind and analytical work! Be patient, work on your own experience and then you will definitely get what you want.

Useful recommendations on how to invest money

Before you spend money on potentially profitable projects or invest them in any business, you should think carefully about everything. To ensure that your deposits are safe and provide an opportunity to earn money, you should consider the following recommendations:

• You should not invest in projects built on a financial pyramid scheme;
• it is better not to try to make money from dubious activities (from a moral and ethical point of view);
• by any means you should avoid online casinos, bookmakers and gaming portals;
• You cannot trust private individuals who promise huge profits in a short time;
• it is necessary to use a diversification approach to minimize risks.

It is profitable to invest 100,000 rubles and it is absolutely possible to earn money, you just need to define a clear goal and calculate all the risks. This requires experience, but in the beginning, simple common sense and logic will suffice.

What investment methods could you recommend for an amount of 100,000 rubles?

other methods

Many great entrepreneurs believe that money spent on education is the best investment in the long run.

When we invest one hundred thousand in acquiring a new profession, improving qualifications, it seems that the money is immediately lost. However, throughout the rest of your life, a new profession or new skills will help you earn a living or acquire additional income in addition to your main one at any time.

One hundred thousand or less can be loaned at interest. You can lend money for long periods at low interest (comparable to bank interest) - this will bring a small but stable income with almost no risk. Or in small amounts for short periods of time, as pawnshops or microfinance organizations do. The income is higher, but the risk also increases. If in the first case a well-executed receipt or agreement is enough to protect your investments, then in the second it is advisable to secure yourself with a pledge.

Business plan and receiving business subsidies

But you can act in a more proven way, which will allow you to turn such small deposits as 100 rubles into a good source of income. To do this, you need to draw up a business plan for the proposed project, take it to the employment center, protect it and receive the required amount into your open bank account. The minimum amount you can count on is 25 thousand rubles. Where to invest 100 rubles in this case? They will be used for a cup of coffee or tea while you write your business plan, for printing and for travel to the job center. As a result, you can get at least 250 times more.

Please note that before submitting your business plan for consideration, you must:

• register as unemployed at the employment center;
• write a statement stating that you are planning to open your own business;
• open a bank account indicated by the center employee;
• draw up a business plan and present it to a center employee, who will determine the date of its defense;
• come and defend the project on the appointed day;
• After defending your business plan, money will be transferred to your open current account within a few months.

The state is more willing to provide funds for projects that create jobs in sparsely populated areas. In this case, you can count on subsidies of 100 thousand rubles or more, which is a thousand times greater than the investment. In addition, you can receive subsidies not only for starting a business, but also for the development of an existing project.

If for some reason the business plan cannot be defended, a date is set for its re-defense. But it’s very difficult to fail the first time. You have to try very hard not to convince the employment center commission.

A little background

Once upon a time, I read a brochure that said about creating capital using savings in a bank. In general, it suggested saving 10% of your monthly income to the bank at 10% per annum and doing it monthly. In this situation, after 25 years (and this figure was considered there), you will have accumulated a good amount, with which you can already live on interest. But this example is American, and in the realities of our country, in 25 years your savings will be canceled or turned into pennies, or the bank will collapse, or something else! (This is not pessimism, this is realism).

So in this American example the situation is as follows. With an average salary of $2,000, 10% per month is $200, that is, over 25 years of savings, $235,000 is collected (this is at 10% per annum), that is, in general, a good amount. With such a deposit in the bank, you can receive about $2,000 per month, that is, after 25 years of retirement, your level of income will not drop at all.

Startups

The modern world is characterized by an incredible speed of development. Often a person or group of people creates a project that has no analogues.

It could be:

• service;
• mobile app;
• a game;
• gadget;
• a device that makes life easier;
• social network.

To implement the idea, as well as further promotion, free funds are needed. Startups that do not own capital are forced to attract people from outside. The solution to the problem is specialized Internet platforms, where some users offer projects, while others can invest in them with the expectation of making a profit in the future. Typically, stable income to the account begins 1-3 years after depositing the amount. The disadvantage of this solution is the lack of a full guarantee of the startup’s payback. In this regard, you can find a young and developing company in which you will begin to invest a small amount, for example 10,000 rubles. To do this, we recommend reading the article on where to invest 10,000 rubles to earn money. Having gained knowledge and experience, you can invest in a startup with the remaining capital.

A young and successful company can bring good profits over several years

It is possible to predict the profitability of an idea based on the level of interest among other investors. This is a great way to figure out where you can invest 100,000 rubles, and which idea does not deserve the waste of time, effort, and resources.