Where to invest 50,000 rubles to earn 40 thousand?

Even if you don’t have a million dollars, but you have a small amount (for example, 50,000 rubles), you can manage your money in different ways. Getting a stable but small income or taking a risk and doubling your capital is a serious dilemma. Each option has its advantages and disadvantages. Therefore, we will consider the topic of where to invest 50,000 rubles from several perspectives. The main thing is to always calculate the risks and think three steps ahead.

Method one: obvious

To earn money, put 50,000 rubles into a bank deposit. Interest rates are not high, but you won’t have to worry about money for a whole year and then you’ll receive... Let’s take a closer look at the banks’ offers valid in August 2020.

Sberbank of Russia – time deposit “Save” – 6.1% – amount after a year – 53,050 rubles.
Renaissance Credit Bank - Renaissance Profitable deposit - 10% - amount to be received 55,027 rubles.
JSC Tinkoff Bank - Replenishable deposit with monthly capitalization - 8% - you get 54,000 rubles in total.

A little, you might say, and you’d be right. But all this time you sleep peacefully, because your money is insured by the state.

We borrow our own funds at interest to citizens

This option can be called the opposite of contribution.
After all, here you are the bank. For example, you lent 50,000 for a certain period. In one year you can make a profit of up to 25,000, and maybe even higher, depending on what interest rate you set. Of course, this plan does not exclude pitfalls. The issue should be approached competently and the loan should be drawn up correctly from a legal point of view. Be sure to require a receipt and set payment deadlines. Unfortunately, not all people strive to quickly pay off their debts; in some cases, you will have to work hard to get your hard-earned money back.

Method two: thorny

Turn your hobby into a source of income. It'll be hard. Almost unbearable at times. But try investing 50,000 rubles in your own business. Think about what you are interested in doing, take a closer look at the markets, purchase a minimum set of equipment and consumables and... go ahead. Sample list of required services:

pet grooming;
repair of household appliances;
software installation;
photo and video shooting;
baking and homemade food delivery;
growing seedlings of garden trees and shrubs.

Summary: A home business will recoup the money invested, bring profit and pleasure from a job well done.
To calculate approximate revenue, you will have to draw up a business plan and purposefully implement all its points. Success will definitely come!

Opening a microbusiness

This method makes it possible to earn income from a deposit, as well as make money from freelancing. The first thing to do is to choose a direction for activity. The following areas are usually developed:

sales of own-produced products – soap, candles and others;
blogging on the Internet - in the first stages, until it has gained popularity and received a large number of subscribers, there will be no profit, but this method is characterized by minimal costs and guaranteed income;
mediation between the seller of goods and the buyer;
purchasing a franchise is purchasing a ready-made business with established production and support from the owners.

When a business direction has been chosen, you need to determine a development strategy. Next, they move directly to the execution of the business plan.

The disadvantage of this method of investing is the lack of profit for a certain time, the risk that the business will not make a profit.

Method three, where to invest 50,000: creative

Spend money on creating and promoting a website on the Internet. You can create a forum for butterfly lovers or start your own blog about vintage cars. Or maybe it will be:

news portal (the World Cup is coming soon!);
bulletin board (analogous to Avito);
online store (spare parts for phones and laptops sell well);
file sharing (everyone has used it at least once);
channel on YouTube (collect a million views and go to visit Andrei Malakhov in the program “Aftar Zhzhot”).

The algorithm of your actions will look like this:

Determining the topic of the future resource.
Buying a domain and hosting.
We create a design using a website builder.
We fill pages, sections, catalogs with materials (you may have to order articles on content exchanges).
We are promoting the project. Each stage requires certain investments, but with reasonable spending it is possible to stay within the budget.

Summary: Don’t expect big profits right away; on average, it takes 14-18 months to promote a website. The profitability of a promoted Internet resource ranges from 3,000 rubles per month and above. New features and additional sources of income are constantly appearing. And how much new knowledge you will acquire: content, key queries, semantic core, links, layout, teaser and contextual advertising, affiliate programs and referrals. Alzheimer's is not a threat to you!

Similar business ideas:

Where to invest 1 million rubles
Learning about short-term financial investments
Direct investment as a business tool

Advertising agency

Advertising is, as you know, the engine for any business. At the same time, the concept of “advertising agency” is very broad. In fact, it extends to several areas of activity, so for the owners of such companies there are simply endless fields for earning money.

Here it is important to decide what you can do best, or at least what you more or less have a desire for. For example, if you draw beautifully and have a sense of taste, then it won’t be difficult for you to master a graphics editor and start creating original advertising materials.

When opening such a business, you should not be afraid of the lack of a portfolio. Surprisingly, even relatively large companies in this area do not have their own website and examples of work. Of course, if you work as an intermediary, then you can simply post examples of your artist’s work. Then all that remains is to find clients for him through the same social networks and message boards. In addition, at first you can work without prepayment, since most people honestly pay for such services.

If you prefer the direction of online advertising, then you can start with website development. As practice shows, the average cost of creating a website today varies from 10 to 20 thousand rubles. Let's say you find a contractor with prices starting from 10,000 rubles. Based on this, you can add your markup in the form of 5,000 rubles to this amount. To attract customers, as in previous cases, you can use social networks and free message boards. Advertising here is quite cheap and, let’s say, it will cost you 1,000 rubles every week. It turns out that if you make at least one website a week, your net profit will be 16,000 rubles. And this is only from one direction.

You can also engage in contextual advertising, developing business cards and booklets. Again, the key here is to find inexpensive and experienced contractors. As a result, you will also receive your percentage from them. By the way, speaking about searching for performers, it is worth mentioning freelance sites - there are a lot of them on the Internet today. There you can easily submit an ad and dozens of performers can respond to it. As a result, you will be able to make the best choice and find a good specialist for permanent cooperation.

Method four: risky

Does creating your own resource on the Internet seem troublesome and energy-consuming to you? Then, thinking about “Where to invest 50,000 rubles?”, think about buying a ready-made Internet resource.

Yes, a well-promoted website that brings in a stable profit is more expensive, but for 40-60 thousand rubles on the website exchange you will select a ready-made project on an interesting topic. For example, “On-site car wash services” or “Internet games, cheat codes, reviews” with advertised incomes of up to 15,000 rubles per month and maintenance costs of up to 300 rubles.

Why is this option risky? Because you have cared for and nurtured your site, nurtured it from the cradle, you know all the nuances, and by purchasing a ready-made resource, you are partly taking a “pig in a poke”. And in order for income to flow like a river constantly, it is necessary to systematically keep your finger on the pulse and make adjustments to the operation of the site.

Summary: the idea of buying a ready-made project is good, but it is suitable only for those who understand the topic and understand the features of promoting a resource on the Internet.

Helium balloons

Inflating balloons with helium is a very profitable business You will need a helium cylinder costing about 5 thousand rubles (each subsequent refill is 3.5-4 thousand rubles), a colorful cart (2-3 thousand rubles, you can save by making it yourself), bright clothes (up to 5 thousand rubles) and balloons (from 5 rubles per 1 piece on a small wholesale basis).

The cost of a helium balloon is from 15 rubles, the profit from its sale is 50-55 rubles. By choosing a good place to trade, you can earn more than 50 thousand rubles in a month.

A little theory

A referral is a user who came to the site through an affiliate link and performs certain actions (purchases goods, writes reviews, pays for information services). The “owner” of the referral receives a percentage of the income.

An affiliate program (affiliate) is a form of cooperation between various resources on the Internet. Their goal is the joint sale of goods and services. In addition to sales commissions, payment can be made for clicks, for viewing advertising videos, for actions specified in the agreement (filling out a questionnaire, making a phone call, registering on the site.

To start earning money, you need to register on a referral exchange or aggregator (affiliate program service). Pay money and choose according to your customer preferences. The payback on a good referral ranges from six months to three years. And every month you will receive interest on your transactions via your e-wallet.

Summary: earnings from referral and affiliate programs can generate stable passive income. In order for the profit to be high, you must first understand the features, study the theory and practice on a small amount, for example, a thousand rubles.

Read more about affiliate earnings on the Internet here -

If you read the article to the end, then in conclusion there is a small bonus: where you should not invest 50,000 rubles and other amounts. You are unlikely to be able to make money using these methods, but it is very easy to lose money here.

Investing in precious metals

You can invest money in precious metals:

silver;
gold;
platinum;
palladium.

To get a good profit from this type of investment, it is necessary that the investment be long-term. If you purchase bars or coins from a precious metal and sell it after a short period of time, the income will be insignificant.

To generate income, it is also necessary that the market value of the metal constantly increases. In this regard, gold is the most reliable. The cost of this metal is constantly growing, which guarantees the reliability and profitability of the deposit.

Gold can be purchased in the form of coins or bars. It is recommended to store products in safe deposit boxes. Only here will the security of the deposit be guaranteed.

Investments in gold are the most reliable and profitable way to invest 50 thousand rubles. Advantages of the deposit:

protection from crisis and inflation;
increased deposit percentage – 30% for 5 years.

Flaws:

short-term deposit does not generate income;
for the purchase of bullion you will have to pay a tax of 18% of the cost;
not all banks that sell coins and bars buy them back;
even minor damage reduces the cost of the product, and sometimes becomes a reason for refusal to purchase.

To avoid paying tax on investing in precious metals, it is recommended to buy bullion abroad. There is no difference between the price of products in Russia and in other countries. In addition, taxes are not imposed on the purchase of coins made of precious metals.

Financial pyramids

They have beautiful names: investment funds, high-yield programs, Forex exchanges, PAMM accounts. These structures provide trust management services for your funds and guarantee payments from 15 to 100% per annum. Just participate and receive dividends.

And indeed you will receive interest, but only until the flow of new clients stops. Since all these projects operate according to a financial pyramid scheme, well known in Russia since the time of MMM, with Sergei Mavrodi at the head. Money is not invested here anywhere, but circulates within the program. Don't fall for scammers' tricks!

For dessert: the best way to invest 50,000 rubles is to invest in your own education. While everyone is looking for ways to profitably invest in mutual funds, gold, and stocks, you are learning. Master computer design, programming languages, financial literacy.

Remember: like attracts like, money to money! Business consultant Peter Daniels put it this way: “ The best investment you can make right now is in your brain!” »

We invest 50,000 in business

Business can be different. Even such a small amount can generate income. Of course, you shouldn’t hope for big profits, but still this method can become a starting point in your future entrepreneurial activities. By the way, most of today's successful businessmen started their own business without having huge start-up capital. Let's consider the most promising ideas and areas for developing your own business.

Providing services - this option can be effective if you have certain skills, for example, the ability to cut people’s hair and do hair well can result in the creation of an individual entrepreneur. And if you also recruit interested professionals into your team, you will get a whole salon. Using the same principle, you can organize a service station, home help “Husband for an hour”, a photo studio and much more. It all depends on what you do best. If you don’t know how to do anything, you can simply recruit a team and manage and organize their work.
Home production . This way of doing business also requires imagination. You choose a product that you can create at home. You set up its production and look for distribution points.
Franchise business - the essence of this method is to distribute products of an already ready-made brand. That is, you will need to open a branch of an already well-known company.
Information business - here you are required to create some interesting project and distribute it for money.
Business on the Internet - 50 thousand may be enough to develop a business on the World Wide Web, but here there is also a great possibility of failure. It is necessary to have a good understanding of the issue before you begin to act. On the Internet, as in life, there are many scammers, there is huge competition and poor survival rates. 9 out of 10 people who want to get big money leave with nothing.
Flower business
– the profitability and stability of this method of investing $1000 is high. Such stores have many clients, and they need flowers all year round. No seasonal factor. In addition, starting a business does not require large investments. But to receive dividends it is important to comply with a number of conditions. Locate your store in a public place: in the city center or near large shopping areas. It is also important to have good suppliers in order to always have fresh goods in the right quantities. Another point is to fill the store with other necessary products: postcards, small souvenirs, beautiful envelopes - everything that is necessary for a good gift. The right pricing policy, various promotions, discounts and good advertising will bring you even more customers.
Draft or “live” beer – for a business to operate effectively, it is necessary to go through a large number of competitors and beat them. But the profit received is worth it! Here it is important to take the right approach to organizing the work of your store. Always make sure to sell fresh and high-quality products, this approach will increase the number of customers.

Earning money from your own YouTube channel

If you are an active YouTube user, you have probably noticed more than once that far from the most interesting bloggers sometimes collect thousands of views from one video. Most often these are various reviews, discussions of topical topics and shots from everyday life. Today, absolutely anyone can become a top blogger and no special effort is required. To shoot videos, it is enough to use a very ordinary phone with a more or less normal camera. True, over time it is recommended to purchase an action camera (GoPro) - they allow dynamic and active shooting. With such a device you can easily dive under water or, for example, jump with a parachute. Naturally, the more spectacular the video, the more views it can gather.

If we talk about expenses, they are simply symbolic: the cheapest action cameras today literally cost two to three thousand rubles, and a video is uploaded to YouTube completely free of charge. The only thing you can spend money on, if you wish, is advertising, which can be done on the same website or on all well-known social networks. As for earnings, there are no restrictions. On average, from 10 thousand views the income is about 500 rubles. Successful bloggers sometimes get 100 - 200 thousand views from one video. At the same time, many well-known YouTubers also have regular advertisers who pay them directly for placing a link in the video description - the cost of such advertising is not limited in any way. There is also the possibility of income from so-called donations - this is when any user can transfer any amount to their favorite blogger to his wallet. It turns out that your YouTube channel can be monetized in different ways and the income will be stable and high.

Creation of training courses

What is a video course? In fact, this is the most common video that can be sent to subscribers of a community or website for a fee. You can simply advertise in some thematic public and invite clients to buy courses from you.

Think about what you do best. For example, there may be advice on creating websites, cooking, business and many other areas that can easily be translated into training courses.

Technically, all this can be implemented without much effort. Creating a video is as easy as shelling pears, and if desired, you can decorate it with special effects. To attract customers, there are now a lot of mailing services that make it easy to attract the target audience.

If we talk about numbers, the cost of one video course today is usually no less than 1,000 rubles. Therefore, if at least 30 people buy it in a month, then we can already talk about a total profit of 30,000 rubles. With minimal advertising costs, this can also generate passive income. Creating a video course is like writing a book or recording a music album. If desired, there will always be a target audience that can buy such a product ad infinitum.

Bank deposits

Another option where to invest 50,000 rubles. Although it is a stable option, it is not considered cost-effective because the interest rate is usually low. Real annual income is from 4 to 5%. This option is ideal for the safety of funds and their safety from inflation. Plus, a stable income: small, but always with a money-back guarantee.

Examples of real projects

All business ideas described below will be promoted according to the same scheme. You will need a website on which the service will be sold. To create such a website and contextual advertising on the network you will have to spend from 30 thousand rubles.

You can open a “wedding agency” business project without much expense if you use existing wedding salons, cars, cafes and restaurants, as well as the offered services of a photographer and toastmaster. The point is to offer the bride and groom a completely turnkey wedding.

After receiving the order, all that remains is to organize the timely provision of all necessary services to the spouses. Organizing such a project will require good communication skills, the ability to convince people and find innovative solutions. All this more than compensates for the lack of your own salon, restaurant or limousine.

You can start a construction business immediately after registering an individual entrepreneur. The only condition is the presence of professional qualified personnel. All equipment and tools can be rented or leased. An office is not really needed at the start. A well-drafted commercial proposal must be presented to the heads of large construction organizations that win tenders for the construction of significant facilities. They are not able to carry out the entire volume of work on their own, and they will need small construction companies that are ready to take on small volumes of construction.

The created site will attract private customers who need to build their own house or make repairs to it. Having received the order, the construction organization purchases the necessary materials with the customer’s money and begins to carry out the work. Such a company does not need any large investments; 50,000 rubles will be enough.

You can open an advertising agency in the same way as a construction company or a wedding agency. The site will already attract customers, meetings will be held at their place, and if necessary, you can rent a meeting room for a few hours in an anti-cafe or in an office center. The main thing in this project is the idea. It is necessary to offer the customer a range of services that would promote his business. Here we will print flyers, booklets, banners, place them and distribute them, create a website, sales funnels, launch an online advertising campaign, etc.

You can easily find direct performers. Someone has already made a website for you, finding a seal is not a problem. Having received an order, simply follow the already drawn up algorithm, place the client’s order with those performers you have decided on in advance or look for them.

Using the same scheme, an enterprise is opened that specializes in providing legal services. After the customer has agreed to your terms, you refer him to a lawyer whom you hired or promised to provide with orders.

Such schemes are suitable for various types of businesses. But there are also segments that do not fit into such a work algorithm. For example, the toilet business. 50 thousand rubles will also be enough for it. You can rent cabins for 3-4 thousand rubles. per month, rent 4 cabins, hire transport for 10-15 thousand rubles per month, which would take them to places that still need to be chosen correctly.

The issue of places will have to be resolved with the local authorities. It will not be possible to attract clients here through the website. The key to success lies in the right location. One booth brings 15-25 thousand rubles. profits monthly. All current expenses are paid from incoming funds. Within a few months, you can raise enough money to buy your own vehicle, which will be used to deliver the cabins.