Where to invest 200,000 rubles to earn money: recommendations for investors with large capital

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You can often hear questions about where you can invest 200 thousand rubles. There are many options for smart investing, the main thing is to choose the right area of ​​activity that is as close and understandable to you as possible.

We would advise you to choose win-win options that do not require a large amount of specific knowledge from you, as well as offers where your money will be safely saved. You should not “get involved” in adventures where there is a probability of both large profits and an equally high probability of losing all investments.

Create an airbag

Before you invest anywhere, you need to make sure that you have a financial cushion that can cover your family’s expenses for 3 to 6 months. A safety net is necessary in a situation where there is no stable source of income. In order not to withdraw money from investments, funds for needs must be at hand. The best option is a bank deposit.

In addition, if there are loans, they must be repaid immediately. These are additional investments that can be used to purchase shares or other instruments. In general, it is difficult to work with investments and pay off the loan at the same time.

Investing in shares

The stock market beckons with potential returns. No one will refuse, for example, to double the invested capital. But there are also pitfalls in this matter. Firstly, there is a risk of completely burning out - that is, losing everything invested. Without the skills to navigate the financial market, investing in stocks is not the smartest decision to get rich.

Advantages of investing 200,000 rubles in shares:

• high percentage of possible profit;
• the opportunity to invest in shares of different companies for a greater likelihood of profit.

Don't lose money

This rule is one of the main ones for beginners in the field of investing. What is the problem? If you compile your first portfolio with a small amount, you will accumulate a lot of risky instruments, for example, buy shares with increased volatility, and they may decline in price. Let’s imagine that assets dropped by 50% to 100 thousand rubles - this is a classic situation on the stock market. In this case, the balance will be 100 thousand rubles, and in order to return to 200 thousand rubles, a profitability of 100% is needed. In a conservative market, you will have to wait a long time for a return on your initial investment. The main rule is not to lose money.

Investments in PAMM account format

When asked “where to invest such an impressive amount,” let’s look at what a PAMM account is. This is a type of investment in which the investor places capital management in the hands of a trader. The latter earn money through sales on the Forex currency market. With such investments, the main thing is to choose the right company where you can transfer money.

Advantages of investing 200,000 rubles into a PAMM account:

• high level of capital income;
• the absence of any restrictions regarding the timing of investments;
• you can invest even small amounts at a good interest rate;

There is essentially only one drawback to investing 200,000 rubles into a PAMM account - a large percentage of the risk of losing the invested funds.

Don't speculate

The task is not to take on excessive risks, leverage and not to speculate if there is no experience and knowledge of trading. Portfolio rebalancing - changing the structure, selling/purchasing new assets is required, but not more than once every six months.

In the current portfolio approach, there is no need to do things like: we bought a couple of assets, they rose in price, we need to take profits, or, on the contrary, we sell during a drawdown.

We work for the long term, so we plan the process for ten years; any changes in the portfolio should be made no more than once every six months. There's plenty of that.

Successful investing in Internet projects

This is one of the most relevant ways to invest 200,000 rubles, which is actively developing every year, providing an opportunity for those who wish to receive additional income. In addition to a bank deposit, a real chance to invest funds profitably is the financing of Internet sites, while these web resources can be the property of both the investor and other people.

It is quite difficult to open your own business with 200 thousand rubles, which would bring a decent profit. However, this money will be enough to create several effective Internet platforms that will begin to pay dividends over time. As an example, this could be a highly specialized online store or service provider. In order to achieve success and develop the business as much as possible, the investor’s task is not only to invest financial resources, but also to pay maximum attention to it, constantly monitoring the operation of the portal.

Forget about management companies, mutual funds

Even at the start of work in the field of investing, there is a lot of temptation regarding investing. There are many tools that are riskier, and even they contain fraudulent schemes.

Therefore, it is better to start investing without experience in signing trust management, mutual funds, copying transactions, auto trading, etc. To use these methods adequately, you need to have a very good understanding of the market and have experience behind you. Initially, it is better to use simpler options that allow you to both earn money and gain experience.

Remember that the key task of various companies is to make money from clients, and not to let the client make money. We looked at the most basic rules.

Invest in websites: tips to avoid mistakes

For an ordinary person, 200,000 rubles is a large amount. But in fact, it is not enough to open a large-scale business. Instead, you can invest this capital in website development to quickly cover costs. It is likely that you will get a working project that will make a profit. This could be an online store of goods or services. It is important to remember here that the work of such projects requires sensitive control on your part. And consider where you are going to invest, that is, determine the target audience.

The advantage of investing 200,000 rubles in a website is a stable income. Disadvantage: it requires certain knowledge and skills or experienced developers.

Should you buy shares of American companies?

This question is very popular, especially if we are talking about an amount of more than 100 thousand rubles. Let’s just say that this capital is not enough to enter foreign markets, because there, as a rule, 1 share is not worth less than 50 thousand dollars. It is better to start with the domestic market. It is best to invest on the Moscow Exchange through an individual account if we are talking about a long-term portfolio. Thus, you receive additional profitability through a tax deduction.

The Russian market is considered volatile and unstable due to the instability of the ruble. Therefore, profitability can be both high and low. Therefore, investing through IIS and guaranteed 13% is a platform, a kind of guarantee that there will be a minimum profitability.

Investment of capital in mutual funds

UIF – mutual investment fund. The same investment in shares, only in this case you do not need to be well versed in the financial market. You are putting your money in the hands of professionals who know how to get the maximum possible benefit from your capital. In this case, long-term investments bring greater income.

Advantages of investing 200,000 rubles in mutual funds:

• high level of income;
• no restrictions on withdrawal period;
• the opportunity to choose a mutual fund that is suitable for you (all information about various mutual funds is contained in the media).

Disadvantages of investing 200,000 rubles in mutual funds:

• high risks of losing invested capital;
• payment of income taxes;
• constant control by the investor.

Where to invest money after opening an individual investment account?

If we are talking about beginners in the field of investing, you need to send 50% of your assets to purchase federal loan bonds. OFZs can be treated differently, but in the modern realities of the Russian market and based on the situation within the country, this is one of the reliable instruments that gives a profitability slightly higher than a bank deposit.

It is best to choose the option with a three-year period. How to deal with default? In the next 3 years, this scenario is unlikely, since the trade balance surplus and reserves are in fairly good condition, oil remains at high levels. There will be serious problems before the 2024 elections.

What is the profitability of OFZ? Let’s imagine that the security will be redeemed on June 20, 2022, is trading below par and the yield is 7.92%. Taking into account that additional income from the tax deduction will be received, according to IIS will be slightly more than 4%, it turns out that OFZs will bring about 12% per annum.

There are still 100 thousand rubles left. You can send funds to ETFs that are listed on the Moscow Exchange. Since entering the American market and working with this tool will require much more capital.

Which ETFs to buy? Since a global economic crisis is expected in the next couple of years, it is better to buy gold ETFs for 20% of all funds. This is due to the fact that investors are likely to flock to gold if problems begin in the global economy. Where is it profitable to invest another 20%? ETF for the Moscow Exchange. The Russian market is undervalued, so over the course of a certain number of years, a good profit is possible. But on the other hand, this asset is very risky in the portfolio.

The remaining 10% is purchased by an ETF for the American IT sector. At the moment, this area is overheated, so it’s not worth buying too much. But potentially in ten years it can bring high profitability; as the portfolio develops, this percentage of instruments can be increased.

Regarding Russian shares, in a situation where you have 200 thousand rubles on hand and there is no desire to take on the risk, you should not buy individual securities. On the other hand, when a portfolio is formed, in theory it is possible to buy individual securities with income from investments or with additional contributions. Thus, increasing it, but not at the first step - this is very dangerous.

Types of investment

You should not invest money as soon as you have an idea. Consider possible options for where to invest 200,000 rubles, think it over carefully, and decide whether you are ready to take the risk.

Where can you invest this amount:

Acquisition of company shares

200 thousand is not a very large amount and it will not be possible to open a large business with such starting capital, but you can make good money by buying shares. This way you will have a share of the profits of the company from which you purchase them.

Risk: the organization may well go bankrupt and you will lose all your money.

Lend at interest

You don't need any special financial knowledge or ability to lend money. Having borrowed 250 thousand for a year, after the due date you can get 400,000 thousand, it all depends on the amount of interest and the payment period. You can lend money to acquaintances or simply to people who urgently need financial resources. And in exchange for money you should take a receipt. This is one of the simplest answers to the question of where to invest 250,000 rubles.

Risk: if the receipt is not notarized, there is a danger that the money will not be returned to you.

Invest in gold

The price of this precious metal is constantly rising. There is no point in buying a bunch of chains and rings, since they are sold to a pawnshop for the price of scrap precious metals. Where to invest 200,000? The best option is to open a metal account at a bank.

Gold becomes more expensive during a crisis. But many economic experts are confident that the price of this precious metal increases in direct proportion to the fall in the value of the US dollar. The thing is that when the dollar starts to fall, investors suddenly buy gold. And this trend does not stop until the economic situation levels out. To clearly see all these nuances, you need to follow the gold price chart on the Internet. If the dollar is stable now, and you are just deciding where to invest 200,000, this could be an option.

A metal account cannot be opened in every bank. Today, many people have doubts about the effectiveness of this type of income, but with the right approach you can get a good income.

Risk: again, bank failure can ruin you.

Start business

Where to invest 200,000 rubles if you want to open your own business? You can open a small tire workshop, for example. It is important, before investing money in any business, calculate not only the costs of the premises and all the necessary equipment, but also the purchase of a license and the monthly tax, because even if you do not make a profit, it will still be charged.

For 200 thousand you can rent a small room and set up a nail salon. The direction of the business should depend on what you can do and what you want to do, if you are ready to work for yourself for the first time, that is, do manicures (in the situation of opening a nail salon).

If you want to hire workers right away, then do not forget to add salary expenses for them to your business plan. While the company is just starting to grow, the income will be minimal; only very devoted friends will work for you for that kind of money. Having made this choice, you will find more than one answer to the question of where to invest 200 thousand rubles; there will be plenty of expenses.

Risk: the business will not become popular; you don’t have enough money to open a full-fledged business.

Invest in yourself

For some unknown reason, this idea comes to many people last. You don’t have to spend all 200 thousand at once. The idea of ​​investing in yourself is simply simple - you can master some currently profitable specialty and start earning good money.

Similar business ideas:

• where to invest 100,000 rubles
• where to invest 300,000-400,000 rubles
• where to invest 1 million rubles

For example, now the highly paid job of an antiques appraiser is highly paid. Due to the high cost, courses for such a specialty can only be attended by well-to-do people. Having 200 thousand in your hands, you also enter the circle of these people. How about spending this money and a couple of months on training, and then finding a high-paying job? Everyone who is thinking about where to invest 200 thousand wants to open their own business so that the money appears regularly and does not have to do anything. But we have two news for you:

1. No matter what business you open, you will still have to work hard to grow it properly. And when your company becomes popular enough, you will need to maintain control over employees, the quality of services, and the proper state of licenses. In general, you won’t be able to go to the Maldives any time soon.
2. In most cases, the courses teach a profession, after which you will work for yourself. If we talk about the specialty of an antiques appraiser, then all you have to do is simply declare yourself and many collectors will use your services.

You can also become an expert car appraiser. Today, road accidents are not uncommon; insurance companies are actively looking for such people. Where to invest 200 thousand? Nowadays, you can get almost any specialty by taking special courses for a third of this amount. This is one of the most profitable investments, because this is how you make money work for you.

Risk: there is none, since investing in yourself is always positive.

Installation of photo printing machines

Today there are many different versions of such machines. For example, printing photos from Instagram. But the main thing here is to choose the right location. A good idea is to install a machine in a shopping center, where you can invest 150,000 rubles with great profit, because there are always a lot of young people there.

Installation of coffee machines

Everyone loves coffee. Today, there are such coffee machines on every corner, but if you carefully study your city, you can find places where this aromatic drink will be in demand, but no one has yet decided to install a machine. For 200 thousand you can buy 2-3 new machines and obtain the necessary license. There is an option to purchase used coffee machines, the price for them is much lower, but if you do not understand the features of such equipment, then you will throw money down the drain.

Risk: your machine will not become popular; it will break.

Buy a camera and become a photographer

This idea is similar to an investment in yourself, but it is quite possible to learn photography through courses on the Internet, that is, for free, and for 200,000 thousand you can buy a high-quality SLR camera, while you will have a decent amount left for promoting yourself.

Now every second person is a photographer. In order to become truly in demand, you will have to work hard.

Success in this matter is ensured by two components:

1. Own style. A good photographer is one whose photos are recognizable. You must develop a special photography style, this could be a cozy atmosphere in the pictures, high brightness of shooting or a fountain of creative ideas for photo shoots.
2. Decent advertising. Without it, no one will know about you. Create a group on VKontakte, print flyers and business cards. Remember, quality marketing is 50% of success. Do not spare money if you want to earn decent money in the future.

Invest in mutual funds

Anyone who has more than 50 thousand rubles in their hands can make a contribution to the investment fund. Are you wondering where to invest 150 thousand rubles for a long period of time? In mutual funds. To reduce risks, it is better to divide the amount and invest in different investment funds. Let's look at the advantages of this type of investment.

1. There are no time restrictions on withdrawals. This means that you can withdraw your earned money absolutely any day. Of course, the most money can be earned only with long-term investments. You can withdraw your money a month after the deposit, but in such a situation you will not be able to earn a large amount.
2. No special knowledge required. This is what many people fear—the lack of knowledge in economics. But to invest in mutual funds, you do not need to graduate from a special department at the university. There is also no need for market research. Special mutual fund structures will manage your money; all you need to do is wait for profit.
3. It's easy to choose a mutual fund. The media regularly publish ratings of mutual funds; at any time you can find out which investment fund you can invest your money in with maximum benefit.

Risk: it is not a fact that your money will increase, because the earning scheme is not one hundred percent; The disadvantage of investing in mutual funds is also income taxes.

Similar business ideas:

• where you can invest money in 2020 –
• where to invest dollars to make a profit –

Portfolio rebalancing

We do this no more than once every six months. According to the following logic:

• the portfolio contains 50% bonds;
• 50% ETF.

If the market situation is good, there is a bullish trend, for example, on the Moscow Exchange, ETFs show excellent growth and, in proportional terms, occupy a large percentage of the portfolio; we sell excess ETFs and buy bonds. This allows you to maintain the portfolio proportion chosen previously. This should be done if the investor’s goals have not changed. This approach allows you to avoid the classic mistake of buying high and selling low. The main thing is to follow this approach.

Investing in innovative projects and startups

Investing in modern business products is a tempting alternative to other financial assets. To launch and develop innovative projects and startups, 200 thousand rubles will be enough. The investment process is simple and easy to understand for all investors. To start earning money, you need to find relevant online platforms that publish and provide information about the owners and their startups.

The advantages of investing in innovative projects are:

• obtaining relatively high profits;
• quick return on investment with interest;
• the opportunity to become a co-owner of the company.

However, before investing in startups, an investor should take into account that not all projects have a chance of obtaining a positive effect, and a significant part of them do not pay off in full. To minimize risks when investing 200 thousand rubles in innovative products, you must follow the recommendations of experts. For example, give preference to startups that are under the control of accelerators. They are responsible for selecting quality projects at all levels, which allows the investor to invest in the most profitable business.

Invest 200 thousand rubles with high risk

The riskiest instruments at the moment are:

• Forex;
• binary options.

Forex

A popular platform created for trading stock assets. The securities presented here allow you to make huge profits, but are not reliable or durable.

Binary options

Trading instruments that provide the opportunity to earn or lose everything with a probability of approximately 50/50. Under no circumstances should you invest in binary options without having a full understanding of the performance of this financial instrument.

Which investment method is more effective for beginners and professionals?

Thus, all methods of investment in the amount of 200,000 rubles were considered. In order to finally make a choice in favor of one of the investment objects, it is proposed to conduct a comparative analysis of the main criteria of each asset: annual profitability, payback period and risk level. In the table they will look like this:

Before investing 200 thousand rubles, an investor should carefully study the general characteristics of each investment asset. To do this, you will need accurate data on the level of profitability, possible risks and the payback period of deposits. Any of the above investment options does not have a 100% guarantee of a positive result. Despite this, practice shows that prudent investors who financed certain projects became the owners of their percentage of profitability in accordance with the original calculation.

To minimize the likelihood of investing in unprofitable financial products, an entrepreneur must study the supply and demand of the investment market. You should not invest personal money without thinking through every step of the operation to scrupulous detail. In addition, you should not give in to tempting promotions that promise fantastically high annual profit percentages. And the last piece of advice, when investing 200 thousand rubles in one of the selected investment objects, you need to soberly assess the situation and make informed decisions, analyzing the prospects for passive income.

Investing available funds in securities

Investing in stocks, bonds and futures is suitable for entrepreneurs who have at least some knowledge of this financial field. Choosing unverified and the first available securities can lead to the loss of all savings. If the goal of a professional saver is to make an investment with a guaranteed return, then investing in shares is the ideal way.

In addition, due to the dynamic development of the investment sphere, new brokerage companies regularly appear that offer their trust management services. This type of investment is in particular demand in Western countries, where entrepreneurs prefer to entrust the management of their assets to specialists. In Russia, this type of business is quite new and has just begun to gain popularity.

However, an investor should take into account that the securities exchange is dangerous and unstable. For example, even minor changes in financial markets can affect the value. To avoid unforeseen risks, it is recommended to invest in government bonds. In this case, the investor is obliged to take into account the main aspects of the security of securities.

Investment in the purchase of franchises

A profitable and safe investment project is the purchase of an existing business. This is evidenced by the many successfully concluded agreements that make the product of licensed entrepreneurship popular all over the world. Currently, investing free capital in purchasing a franchise is more effective than creating your own business from scratch. The advantage of this investment option is the opportunity to get a small business that regularly generates profit for 200 thousand rubles.

Despite the many strengths of investing in an object such as a franchise, it still has a number of disadvantages, including:

• personal management of the business and constant participation in its management and improvement;
• additional costs for paying workers;
• lack of interest in developing activities can lead to losses and a high probability of loss of income.

Among the current projects that can be founded when purchasing a franchise, it is worth noting the production and installation of metal-plastic windows or points of sale of fast food products.