How to increase money: practical advice and the best ways to invest

Experts unanimously say that there is only one way to achieve personal financial freedom - investing. Theoretically, there is nothing complicated in this matter: you just need to study the features of different investment instruments and correctly allocate your capital. But for an ordinary person living from paycheck to paycheck, it is not so easy to entrust the funds accumulated with great difficulty to someone else.

In fact, it is quite possible to ensure the safety of your investments: to do this, you need to figure out how to increase your money without risk. The basic rule of investing will help a beginner to choose the right instruments: profitability is always proportional to the level of danger. In addition, the investor must clearly understand where exactly he is going to invest the funds, how they will work, and how the profit will appear. Of course, he will have to learn a lot of new knowledge, but otherwise, the chances of success in investing will not exceed the probability of winning the lottery.

How to save money?

Not every citizen can boast of a highly paid position or a profitable business. Accordingly, the question of how to attract, save and increase money is relevant for most people. The problem of lack of funds for investment should be solved step by step. First of all, you need to figure out how to accumulate initial capital:

• You should make a detailed list of expenses and study it carefully. It will probably reveal regular expenses that can be avoided - for example, going to a cafe, taking a taxi, ordering sushi at home;
• You need to draw up a budget for the month - without being too strict, but also without waste. Here it is important to provide yourself with an acceptable level of comfort so that the process of saving money does not turn into an ordeal;
• One of the prominent investors once said that you need to pay yourself first. Therefore, you need to start saving at least 10% from each income in order to form your own financial reserve;
• There should always be a certain amount of money in your account or wallet. It will be unpleasant if the car breaks down at the very moment when all the savings have been spent on buying the latest model smartphone or on a vacation abroad;
• Without financial literacy there is nothing to do in investments. You need to constantly read books about business, learn new ways to increase capital without risk. If possible, it is advisable to enroll in financial courses for beginners;
• Activities aimed solely at acquiring wealth will not bring moral satisfaction. Therefore, you need to find a dream that will make you get out of bed every morning and work hard;
• It is better to forget the stereotype that wealth is the lot of the elite. In almost every job you can find hidden resources to increase your earnings. If they are not there, you should think about changing employers or even choosing a new direction.

Creation of initial capital

In order to increase money, it is necessary to form initial capital, which is then invested in various projects. The basic method is to accumulate an amount that is possible if you have a stable source of income and standard monthly expenses.

At the accumulation stage, you will have to stop attending entertainment events or going on holiday abroad, and you should additionally reduce your consumption of alcoholic beverages and tobacco.

A person is recommended to analyze the structure of income and expenses, simultaneously identifying items for saving money. For example, you can temporarily give up renting housing and move in with your parents. If there are no relatives in the city, then you need to choose an apartment with a reduced rent.

This takes into account the location of the property, since the cost of transportation to work may cover the benefits received. Another area of ​​savings is cigarettes; if you stop using tobacco, you can save up to 4 thousand rubles. per month (with a pack price of 150 rubles).

For example, a person living in a regional center receives an income of 70 thousand rubles. monthly, which are spent as follows:

• rental housing and payment of utilities - 20 thousand rubles;
• food products - 25 thousand rubles;
• alcohol and tobacco products - 7 thousand rubles;
• entertainment events - 5 thousand rubles;
• payment for parking and gasoline for a car - 8 thousand rubles;
• other expenses - 5 thousand rubles.

In this case, giving up alcohol and tobacco products will save up to 7 thousand rubles. per month. Additional savings are possible on entertainment events and a personal car (if the employer provides corporate transport), which will amount to 7-8 thousand rubles. per month.

A person will be able to save monthly from 14 to 16 thousand rubles, annual savings reach 168-192 thousand rubles, the money can be deposited into a replenishable bank account and receive additional income at the end of the year in the form of interest on the balance.

How to save money?

The first accumulated savings are a great temptation. When almost every person receives a large sum of money, they remember that their phone or car is long overdue for an upgrade, and that their apartment hasn’t been renovated for many years. But the unpredictability of circumstances makes it clear that you need to have a financial reserve. Moreover, it is worth understanding not only how to create it, but also how to properly increase money. There are some proven tips:

1. The funds accumulated as a result of saving 10% of the profit cannot be spent under any circumstances. When the size of these savings reaches the amount of personal income for 4-6 months, you need to put them on deposit to protect against inflation;
2. As soon as the reserve fund is formed, you should begin accumulating capital for investment. This amount may be small, in the range of 20–30 thousand rubles, since today there are many tools available to beginners;
3. On the question of how to increase capital, advice will be useless if you succumb to the tricks of marketers and constantly make impulsive purchases. Some people have the habit of spending the rest of their money the day before payday;
4. You should strive to make any purchase using your own funds, without taking out loans. The fact is that deposit rates are much lower than interest rates on loans. Therefore, the borrower loses more than he earns;
5. You should give up the habit of paying for everything by card or using your phone. If you don’t keep real money in your wallet, then you may not notice how quickly it is spent on various trinkets;
6. It is advisable to plan large expenses in advance, distributing them over time. Otherwise, the personal budget simply will not withstand such a load. For example, it is better to buy clothes and shoes in advance, at seasonal sales;
7. If you cannot refuse a bank card, you should learn how to use it. You need to learn about the rules for servicing the account, find out the duration of the grace period, and familiarize yourself with the bank’s advantageous offers for refunds;
8. If you are planning to start investing, you should not leave your day job. No one can predict the success of an investment, and reaching an acceptable level of income may take several years. At this stage, you cannot survive without a salary.

How to decide on the type of deposit

To choose the best option for a deposit program, you should decide on the main goal: accumulation and receipt of income from the deposit every month, saving funds. Based on these parameters, you can choose a convenient type of deposit for yourself. Banks provide a wide range of deposit programs to increase profitability. Interest on the deposit can be accrued either at the end of the term or once a month or quarter. They can be added to the main part of the deposit, thereby increasing the rate. Deposits with increasing rates provide a chance to get high profits. A higher interest rate is typical for long-term deposits, which leads to capital growth. Among other things, investors have access to programs that allow them to withdraw and deposit funds, which brings increased income.

Bank deposit

When thinking about how to attract, save and increase money, any beginner first of all thinks about deposits. Indeed, this method of investing is optimal for a number of reasons:

• The return on investment is easy to predict;
• Choosing a bank does not require any special knowledge;
• The institution guarantees profit regardless of the economic situation;
• The agreement is concluded very quickly - there are bank branches in every city.

But can this type of investment be called profitable? Unfortunately, the deposit has the lowest return among all financial instruments, and therefore it is used mainly for the initial accumulation of funds or for diversifying capital in order to increase the overall level of investment security.

How to increase capital without risk? First of all, you need to make sure that the selected bank takes part in the DIA program and insures depositors' deposits within the limits stipulated by law - 1,400,000 rubles. In addition, it is advisable to take into account:

1. The bank's position in the overall rating;
2. The amount and validity of the interest rate;
3. The size of the bank’s own and attracted capital;
4. The relationship between an institution's credit and deposit funds.

It remains to determine where to invest money in order to receive monthly income in 2021. Here are some options:

Yield on bank deposits

What to do with money in a crisis

What then should you do today so as not to lose your personal savings? Experts advise several investment options.

Stock

In the spring of 2020, due to the crisis, company shares fell significantly in price. Now you can buy them profitably. But this is the path for market professionals. Beginners can go broke in the same way as in currency transactions.

Traditional instruments remain - deposits, as well as their competitor bonds.

Deposits in reliable banks

Today, bank deposits have lower returns than a couple of years ago. But you can still find a deposit with decent interest rates. The main thing is to choose a reliable bank. And also take into account the new tax on income from deposits, which will be introduced in 2021.

Bonds

One of the best ways not only to preserve savings, but also to increase them in the face of a large-scale collapse is to purchase debt securities.

“When buying short bonds - for a year, two or three, keep in mind that the yield on them is now from 5.5 to 6 percent. This is not much different from the rates on bank deposits in rubles. Therefore, I don’t see much advantage in such an acquisition,” notes Kirill Tremasov, director of the analytical department of LOCKO-Invest. “And investing in long bonds always involves risk due to changes in Central Bank rates.”

If, for some reason, you trust debt obligations more than deposits, Tremasov recommends paying attention to corporate securities with high yield. The expert advises non-professional investors to choose bonds of large and reliable companies included in the blue chip index (top 15 most liquid shares on the Russian stock exchange, for example Gazprom, Sberbank, Alrosa and others). By the way, according to statistics, this is what the majority of Russians do, investing amounts in the range of 50-100 thousand rubles.

See the conditions for storing money at Rosselkhozbank - more details →

Real estate

For most citizens, investing in real estate is a simple and clear way to increase money without risk in Russia. Unfortunately, this instrument has one significant limitation, which is the high cost of investment objects. Therefore, it is more suitable for people who already have capital of several million rubles.

However, there are exceptions to every rule. In this case, one of them implies the possibility of purchasing housing at the zero stage of construction, when its cost is significantly lower than the market price. Moreover, the purchase can be secured with a mortgage, which will also reduce the financial burden on the investor’s wallet.

To invest and increase money, you should select a property for investment. At this stage it is important to analyze:

1. Initial cost of housing;
2. Prices for finished apartments in this area;
3. Area and layout of the facility;
4. Distance from the center;
5. Availability of infrastructure;
6. Transport accessibility;
7. Construction completion dates.

To avoid paying tax, the property must be owned for at least three years. It is this period that should be taken into account when studying the prospects for the development of the microdistrict and the increase in real estate prices in it in the future. The following table shows how to profitably invest and increase money:

Real estate profitability

Content

• Types of profit
• Short-term investments
• Binary options
• Short-term loans
• Bank deposits
• Long-term investments
• Investment accounts
• Stock
• Securities
• Real estate
• How to increase your own money: proven methods
• Endowment life insurance
• Precious metals
• Antiques
• Internet project
• Purchasing currency
• Business
• beauty and health
• Own development
• How to avoid risks
• Scammers' tricks
• Five Basic Rules of Investing

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Mutual funds

In the absence of experience, novice investors usually try not to risk all their capital, and therefore information on how to increase small money is of particular interest to them. If we are talking about an amount of 5–15 thousand rubles, then we can consider the prospects of placing funds in mutual funds.

A mutual investment fund is an organization that provides trust management services for the pooled funds of investors. Experienced specialists invest this money in assets that have significant growth potential - currency, securities, exchange-traded products. At the end of the investment period, profits are proportionally distributed among fund members.

Thus, the main advantage of mutual funds for a beginner is the opportunity to earn income on stock exchanges, despite the lack of experience and skills in trading securities. The guarantee of the safety of money in this case is the qualifications and high professionalism of the managers.

Of course, the success of investing also depends on the strategy of the mutual fund itself. Equity funds work with the most profitable assets, but the risk of losing investments is high. Bond funds provide lower returns, but in return they provide capital security. For a novice investor, a good option would be to distribute money between them or invest in mixed mutual funds that use several instruments at once.

How to increase money in Russia? At the end of 2020, the following investment funds showed the best results:

Return on mutual funds

Additional ways to increase funds

In addition to short-term or long-term investments, money can be earned through the following schemes:

• life insurance;
• buying and selling precious metals;
• trade in antiques;
• purchasing collectible or rare items;
• purchasing intellectual property (for example, trademarks or valid patents);
• organizing projects on the Internet;
• investment in your own development.

Life insurance

You can increase your income by concluding agreements on cumulative and risk life insurance. A savings financial instrument provides for the accumulation of funds in a current account with simultaneous insurance of a person’s life and health during the term of the contract.

To conclude a contract, you need to contact the insurance company, and then develop a personal financial plan that provides for the contribution of funds in equal shares within the period of time established by the contract.

As capital increases, interest is transferred to the current account, which is received by the insurance company as a result of investing funds received from investors. By the planned date, a certain amount accumulates in the account, and the person uses insurance throughout the entire period of accumulation.

The types of insured events are stipulated at the conclusion of the contract (for example, in case of loss of ability to work in the event of injury or occupational disease).

Savings insurance allows a person to use the funds available in the account in case of unforeseen situations. It should be borne in mind that the interest on the deposit is lower than in the bank. The drop in margin is due to the need for the insurance company to allocate part of its funds to staff maintenance and additional activities.

Risk insurance involves the purchase of a policy with a limited validity period (the standard form is valid for 1 year). The policy regulates insurance payments for events that occurred during the validity period of the contract.

Risk insurance covers the risk of financial loss due to illness or injury caused by an accident. The disadvantage of risk insurance is the likelihood of losing your money in the absence of insured events.

Investments in precious metals

A person can increase money by investing in bullion made from precious metals (gold, silver, platinum or their alloys). The technique reduces the risk of losing money due to inflation; precious metals are not subject to sharp drops in value.

In addition to purchasing metal in bullion, you can invest in special impersonal accounts that have an exchange rate relationship with precious metals. An additional way to invest is to purchase shares of gold mining companies or related futures on the stock market.

To multiply money by purchasing precious metal bars, you must contact a bank that has a license to trade in such materials (for example, Sberbank). When prices rise, you can sell metals at a profit or continue saving money, counting on a further increase in the exchange rate.

The methods provide protection of investments from inflation or fluctuations in exchange rates. The downside is the possibility of a fall in the value of gold or silver when speculative assets are built up.

Trade in antiques

Before you invest and increase money in antiques, you should engage an expert who can determine the authenticity of antiques. When receiving offers to purchase antiques from strangers, it is necessary to conduct an examination of the products.

It is necessary to take into account the falsities with the export of antique products abroad. If a person plans to store his collection abroad, then it is more profitable to buy antiques outside of Russia.

The main advantage of this method is the rapid increase in money in case of purchasing rare interior items or art. The profitability of transactions reaches 2000-3000%, but there is a risk of buying a fake. Some antique items have little liquidity; the owner will have to wait a long time for a buyer or lower the price and suffer losses.

Purchasing collectible or rare items

The method based on the purchase of collectibles is based on the search and purchase of items that belonged to athletes, musicians or other popular personalities. Before you increase your savings by buying things from celebrities, you need to analyze the market. For example, there are clubs for fans of popular people where you can quickly sell celebrity items.

A person can earn money by buying things where popular personalities live, and then bring them to Russia for further resale. The profitability of such transactions depends on the name of the owner and the current amounts in the investor’s account or wallet.

The disadvantage of the technique is the risk of losing funds due to a decline in the popularity of the celebrity. The need to find a client should also be taken into account, since not every fan has the free funds to buy his idol’s things.

Investments in intellectual property

If a person is thinking about where to invest money, then one can consider the method of purchasing brands, trademarks or patents. In this case, organizations or individuals using the brand or technology are required to pay part of the income to the copyright holder.

When purchasing intellectual property, it is necessary to prepare documents correctly and exclude the possibility of unlawful use of a patent or trademark.

The owner can sell the intellectual value for a profit or transfer it by inheritance or gift. The disadvantage is the risk of a fall in the price of the patent due to the emergence of new technology that is superior to that described in the copyright certificate. An additional disadvantage is the difficulty of finding a buyer willing to purchase a trademark or patent.

Earning money on Internet projects

If a person is thinking about how to double his capital, then he can try to invest in Internet projects. In this case, personal knowledge of the basics of Internet marketing will be required; if there is no understanding of the processes, then you will need to find a partner who understands such issues. It is possible to appoint a project manager who develops the area of ​​activity and receives the salary specified in the contract for the work.

If a person can shoot and edit videos, then a YouTube channel becomes a source of income. Each time a video is viewed, money for advertising is credited to the channel owner’s account. To increase the number of subscribers, you need to find an interesting topic or develop an original presentation style.

The service offers various tools for video distribution (for example, by broadcasting a video via social networks). In addition to standard advertising inserted automatically by the service, you can get direct contracts with advertisers.

The increase in funds through work in social networks is based on the display of advertising on the platform offered to the advertiser. The user needs to create material that can interest other users (for example, write a blog or publish photos from various events with their own comments).

Before creating a community, the list of advertisers who will be interested in advertising on the pages is analyzed. As the number of subscribers increases, the profit from displaying advertising content increases.

Investments in your own development

Investments in additional education allow you to gain knowledge in various fields that can change a person’s horizons. Focusing on the acquired skills, a person can open his own business and move to a new job with an increased level of income.

Additional knowledge helps you achieve good results at work and promote career advancement. Self-study (for example, reading scientific literature or attending seminars) also allows you to gain new knowledge that will be useful to a person in your work.

Securities

To attract funds, large corporations and even entire states issue securities - shares, bonds, bills, certificates.
Such obligations have their own value, and therefore become the object of exchange trading. At the same time, their value is influenced by various market factors, which turns them into a promising investment instrument. How to preserve and increase capital? Ordinary citizens do not have access to exchanges, so you must first enter into an agreement with an intermediary - a brokerage company. After gaining access to trading operations, it is advisable to consider the prospects of investing in the following securities:

1. Growth stocks. They bring high income due to increased value. But you need to understand that a rise in quotes may unexpectedly give way to a fall;
2. Dividend shares. Investor profit is dividends that are paid every 3-12 months when distributing the profits of the issuing company;
3. Corporate bonds. Debt obligations that companies place are characterized by the highest yield in this category of securities;
4. Government bonds. These securities are the most reliable way to increase money, since the federal treasury authorities are the guarantors for them;
5. Eurobonds. Issued in euros and US dollars. At the same time, the investor’s income includes not only interest payments, but also the increase in the price of the asset when the ruble exchange rate changes.

To find out which stocks are best to invest in in 2021, you need to study the ratings of securities on specialized websites on the Internet. For example, at the beginning of the year the list of leaders included the following assets:

Return on securities

Don't be afraid to take responsibility

The richer a person is, the more responsibility lies with him. Prepare for this in advance. Feel like a major investor who is fully responsible for decisions made when large sums are at stake. Don't be afraid to lose money.

After all, it is up to you to receive both losses and profits. Be prepared to exercise self-discipline, limit yourself in some ways for the sake of the desired well-being, and take responsibility for both losses and successes.

If you really intend to become rich, then self-discipline and self-improvement will help you. Do you feel or want to develop these qualities in yourself? Then boldly take this path and follow it, ignoring minor mistakes, envy from losers and other insignificant things, because the final result is worth the effort.

Denis HyipHunter Knyazev

Blog creator. Private investor. He has been making money in highly profitable investment projects and cryptocurrencies since 2014. Consults partners. Join the blog's Telegram channel and our chat.

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Binary options

The movement of capital in the global background and financial markets does not stop for a second.
The price of assets is constantly changing, which allows an experienced investor to find many ways to increase money in a short time. One of them is buying binary options. The principle of making money on options is simple and understandable even to a beginner. It is necessary to select any exchange asset (stocks, bonds, currencies, commodities, indices), indicate the amount and validity period of the option, and then predict the direction of movement of quotes. If the prediction is correct, the investor gets back double the bet. But if the trend is predicted incorrectly, that money is lost.

To figure out how to grow small amounts of money, you should choose one of the strategies recommended by experts. The first involves the use of various stock signals and mathematical forecasting methods, and the second is based on the analysis of market events and political processes. These include:

• News, statements by politicians, conclusion of international alliances;
• Financial reports of state banks;
• Appearance of new products on the market;
• Court decisions in the corporate sector;
• Announcements of mergers, divisions or closures of companies.

Where can a beginner increase money? To make money on binary options, you need to contact one of the Russian brokers and get access to exchange trading:

Binary options brokers

Short-term financial investments

In order for increasing money in a short period of time to become your additional source of income, there are several proven ways to invest money.

Binary options

Probably everyone, whether they want it or not, has heard about binary options and financial markets. Many people have doubts about the honesty and reliability of this income - and this is correct, but partially.

As for honesty, there can be no doubt about it. To select a site, use recommendations from friends and user reviews on the Internet. Choose already wealthy sites with an established reputation.

As for the reliability of this type of profitable increase in money, there are big risks here. There is only one way to eliminate the risk of losing your financial assets - by constantly increasing your knowledge in the field of trading in financial markets. If you are not strong in finance, then it is NOT worth starting to increase your money in this way.

Borrow money

Another way to profitably increase your money is to lend money at interest. If moral principles are alien to you, then it is quite possible to make money from people who are willing to borrow money at 2% daily.

By correctly filling out the documents when transferring the borrowed amount, you eliminate almost all risks of losing your own funds. The worst case scenario is the return of your own funds through law enforcement agencies, perhaps even the court.

But at the same time you have the opportunity to make a profit of 700% per annum. In this case, the amount of profit received directly depends on the financial resources you invested. Most of your borrowers, with an 80% probability, will become your regular customers, and no one will be in a hurry to repay the principal debt; borrowers will only repay the interest on the debt.

Sales

The next way to increase your capital is a little less profitable, but still more humane. Trade goods via the Internet, and you do not need to purchase anything in bulk and collect full warehouses in order to provide your customers with the availability of the goods they are interested in. It is enough to be an intermediary between the seller and the buyer.

Your job is to find a buyer, then contact the seller, bring these two links together to conclude a deal and receive your percentage. In this case, the amount of earnings will depend on the number of goods you sell and the commission that the seller is willing to pay you. An ideal way for those who do not have a large amount of money to invest in a larger project.

Bank cards

At the end of this section, I will describe a way to earn money using bank debit and credit cards.

Let's start with debit cards. Now many banks, ready to go to great lengths to lure customers to their side, offer debit cards with cashback of up to 5% on all purchases and 10% per annum on the balance of funds on the card. That is, in principle, apart from how to get a card from a bank, on favorable terms and use your bank card, as always, you don’t need to do anything else.

Does it seem like a small thing? On average, 600-700 rubles come out per month. Calculate how much you will receive in a year? A nice amount, isn't it?

Now you can earn money using debit and credit cards together. You issue two cards at once in the same bank (it is possible in different ones, it doesn’t matter). Debit card with interest on the balance and credit card, limits equal to your average monthly income. Using a debit card, you fill out a salary project and receive your salary on this card.

Having received your first salary, do not rush to spend it or withdraw money from the card, leave it entirely on the card and receive your interest. But with a credit card, which has a period during which no interest is charged for using the funds (usually from 55 to 100 days), pay in stores, pay for housing and communal services and all your expenses. After you receive your next paycheck, reload your credit card and use it again.

What you get as a result: Every month you receive % on your debit card on your balance and do not pay anything for using credit funds.

PAMM accounts

PAMM accounts are in a certain sense analogous to mutual funds. There is only one difference between them: mutual funds operate in stock markets, while PAMM accounts operate only in Forex currencies. Therefore, this tool is suitable for people who do not know how to increase their capital with a small amount, and therefore prefer to entrust their money to an experienced manager. PAMM accounts have several features:

• A beginner does not need to go to a broker’s office and sign an agreement. You can open an account and select a manager via the Internet;
• The requirements for the deposit amount are minimal. To start earning money, you need to top up your account with only 10–50 dollars;
• There are no restrictions on withdrawal of money. You can partially or completely withdraw funds from your PAMM account at any time;
• The manager’s interest in the result is guaranteed by his personal funds, which form the basis of the PAMM account;
• Client funds are not available to the manager. He works exclusively with his own capital, and the broker repeats his transactions with investors’ money.

Unfortunately, this instrument is characterized by high risks. The foreign exchange market is unpredictable, and therefore even the best manager can make mistakes and suffer losses. To minimize the danger, you should distribute funds between 5-8 different accounts and constantly monitor their profitability.

How to quickly increase capital? If you invest wisely in PAMM accounts over the course of a year, you can increase your contribution by one and a half to two times:

Profitability of Alpari PAMM accounts

A unique product - a savings certificate

A savings bank certificate can be purchased for a third party without opening an account. It is also possible to sell it. Sberbank has maximum interest rates for this product. Savings together with interest after the expiration of the contract can be withdrawn at one of the bank’s representative offices. If the certificate is issued to the bearer, then you may not receive the money yourself.

A savings certificate has a high level of protection, which is not inferior to banknotes. A savings certificate is a security that is not inferior to banknotes and has a high level of protection. Often banks can set a certain contribution amount per certificate, and many of them can allow the depositor to determine the amount of the deposit. A savings certificate does not allow you to withdraw or deposit money. Interest will be paid on the principal deposit amount. Management of this type of contribution is available only to the person who signed the agreement. The main feature of a savings certificate is the ability to give it as a gift, sell it, or transfer it to heirs, since it is issued to the bearer. Unlike fixed-term deposits, this product is quite flexible.

Structured Products

A structured product is a ready-made comprehensive investment strategy that allows you to achieve the optimal balance of risk and return.
Such products are now offered by various banks, investment funds and brokerage companies, but their popularity among beginners is still low: firstly, they are quite expensive, and secondly, investing in a joint venture requires certain preparation. The range of structured products is very diverse. This is due to the wide selection of instruments that are used to compile them: this list includes assets and securities of the world's best manufacturers. Therefore, any investor interested in them can easily determine where to invest money so that it works in 2021 and generates income.

A feature of structured products is the guaranteed preservation of funds. This is achieved through reasonable capital distribution: the broker invests 80–90% of the money in deposits and bonds. For the remaining 10–20%, futures and options are purchased, which, if the circumstances are successful, bring huge profits.

How to profitably increase money? For example, the oldest broker in Russia, Alpari, offers to invest in the following structured products:

Profitability of Alpari structured products

PAMM investing on Forex

Considering that in this case you will not have to manage your capital yourself, this method is the most optimal for beginners who do not have the slightest idea about the operation of the currency exchange.
Although, ideally, it is worth gradually becoming familiar with the intricacies of trading, which will allow you to cooperate with more successful managers.

Initially, when choosing a trading platform and traders, take advice from people you trust.

Be sure to study the transaction history of potential money managers over the past year, at a minimum.

I think it goes without saying that there should be a clear trend in the profitability of the operations.

In order to diversify risks and increase possible profits, it is worth distributing funds between several traders with different business strategies.

Aggressive methods will allow you to get quick income, and conservative ones will reduce the risk so as not to end up losing.

Loans to individuals

Bank security policies do not allow them to issue money to all citizens without exception. Therefore, some people have to look for alternative sources of financing - for example, turning to private lenders who are less strict about the borrower's credit history.

For an investor learning how to increase money in a short period of time, the most profitable option is to borrow for 15–45 days. The fact is that when issuing a loan for six months or a year, the rate usually does not exceed similar indicators for microfinance organizations, while for short-term loans 0.5–1.5% per day is considered acceptable. Where is the best place to look for citizens interested in credit money:

• You can place advertisements on platforms for entrepreneurs starting a business with insufficient funding;
• You can find local forums and groups on social networks where citizens in need of funds post their applications;
• Finally, you can register for special P2P lending services, which are a kind of exchange.

Credit exchanges are the best way to increase small capital: thanks to loan insurance and borrower ratings, such services increase the security of lenders and guarantee repayment of funds. There are few of them on RuNet:

P2P lending platforms

Opening deposits

For most people, opening a deposit is the most common and understandable option. The method is passive and does not require any manipulations or skills from investors. This method is associated with a number of risks; you should be extremely careful and carefully select an institution suitable for the safety of savings.

Considering the unstable economic situation and a number of internal processes that significantly affect the country’s economy, deposits are subject to market fluctuations and cannot 100% guarantee receipt of benefits.

Opening a deposit in a bank to increase money, according to sociological surveys, has become the most common method of saving and accumulating funds for Russians. It is important to remember that deposits in foreign currency have lower interest rates than deposits in national currency. Average figures for deposits in dollars and euros do not exceed 3% per annum, and as for the ruble, it makes it possible to open accounts at 10%.

Key points to pay attention to in order to increase money through a bank deposit:

• Is a specific banking institution included in the list of banks obligated to return funds;
• Availability of the option to withdraw funds earlier than the established period;
• How does the process of accrual of deposit funds proceed?
• Availability of a fixed commission for withdrawal;
• Possibility of adding additional amounts to the deposit;
• Possibility to withdraw money from the account in part;
• Availability of SMS notification service about all transactions performed with the deposit.

When the selected institution meets the stated criteria, you can safely send your savings to the bank and expect interest to accumulate. The method is quite popular in Russia; it does not require manipulation on the part of investors.

Own business

Most financial instruments are directly or indirectly related to business investment. So why pay numerous intermediaries in the form of exchanges and brokers if you can do business yourself?

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Of course, this way of earning money can hardly be called passive, since running a business requires a constant investment of effort and time. Moreover, it is not suitable for everyone, as few people have the necessary skills. But at the same time, the entrepreneur receives not only full control, but also the right to individually dispose of profits. Investing in your own business has other features:

• The choice of direction is almost unlimited. An entrepreneur can always find an interesting and understandable niche for himself;
• To open a small business from scratch, you do not need knowledge of how to save and increase money through investing;
• There are also no restrictions on profitability. With proper business management, you can increase your capital tenfold;
• There is no need to invest millions of rubles in the business. There are many ideas that require fairly moderate investment.

At the same time, not all entrepreneurs achieve success. Most often, the reasons for failure are the newcomer’s attempts to break into a niche with very high competition or ignoring the need to develop a detailed business plan.

How can you increase your capital by doing business? Here are some profitable small business options:

Small business profitability

Make or lose money with your own business

Creating your own LLC or opening it allows you to start increasing your existing capital. Initially, a person will need 20-50 thousand rubles. for paperwork and renting office space. The list of activities permitted by law depends on the form of ownership.

Creating an LLC is more expensive, but the company has expanded opportunities (for example, it has the right to participate in government tenders). The disadvantages are the need to rent an office and complicated taxation (compared to individual entrepreneurs).

When forming an LLC, you can invite business partners who become co-founders of the company. You can purchase a ready-made LLC, but there is a risk of purchasing debt obligations under unfulfilled contracts.

Before starting a business, you need to decide on the areas of activity. At the same time, possible risks associated with an incorrect choice of directions or erroneous business management are taken into account.

When creating your own enterprise, it is not recommended to use credit funds, since interest payments will cover the profitability of the activity. For example, a person opens a building materials store with money borrowed at 10% per annum.

An entrepreneur needs to rent retail space and purchase goods for resale. But building materials are not in demand due to a chain supermarket that has appeared in the city, offering similar products with free delivery at reduced prices.

After 2-3 months, the loan funds run out and the entrepreneur has nothing to pay for further rent of the premises. To obtain working capital, existing goods are sold at purchase prices (allowing them to compete with a construction supermarket), the money received goes to pay rent and utilities. But after a month, the entrepreneur has no money to purchase a new batch of goods and pay rent.

An entrepreneur can take out an additional loan to purchase goods and extend the lease term, but again faces a lack of demand due to the high price (a person needs money for living and paying interest to the bank).

In order to pay off creditors, the entrepreneur has to sell off goods, and if the proceeds are not enough to repay the loan, then personal property (for example, a car or an apartment) is also put up for auction.

Someone else's business

People who do not have entrepreneurial skills, but understand the prospects of investing in a business, should think about financing other enterprises. Of course, the safest way to invest money is in a stable operating company, but you won’t get much income this way: the growth of long-established organizations does not exceed 15–25% per year. Therefore, the most effective way to increase capital tenfold is to invest in startups.

Start-ups are entrepreneurs who have come up with a promising business idea, but have not yet found the funds to implement it. For this reason, they are actively looking for and trying to interest venture investors by publishing their proposals on special platforms on the Internet.

When learning how to quickly increase money by investing in startups, you should take into account an important feature of this method of earning money: no one guarantees the investor a profit. As a rule, 20% of projects generate income in the thousands; the rest either break even or fail completely. Accordingly, to protect funds, it is necessary to invest money in at least five to six startups at the same time.

How to increase capital in 2021? On the site you can invest in any of several hundred projects. Here are some of them:

Startup profitability

Resale of goods

Increasing money through trading operations is one of the previously common opportunities to replenish the family budget. Many people will think of the times of the USSR, when cooperatives made fortunes from the resale of imported goods.

Man is designed in such a way that the need to buy is in our blood, so the trade industry never loses its relevance and is constantly replenished with new entities and goods.

In the age of computer technology, the process of selling goods has smoothly moved from shopping centers, markets, shops to online platforms, where people with great enthusiasm offer products from clothing to medicines and equipment. Today it will not be difficult to resell a car via the Internet and make a handsome profit.

Having decided to engage in the resale of goods, you need to clearly decide what niche you want to occupy and what you plan to sell in the future. It is very important not to make a mistake with the choice; the success of the operation depends on it. To make the right choice you must follow these rules:

• Monitor existing trading platforms in the city. This way you can understand what goods the population lacks. You can conduct a survey on social networks, interview respondents on the street;
• When the direction vector is chosen, it is worth finding out what kind of competition there is, what the competitors’ mistakes are, how you can improve your trade performance;
• Next, you should establish distribution channels. This is the most difficult step, since a reliable partner who honestly fulfills obligations is a luxury. Before you find a partner, you should consult with experienced entrepreneurs and scour the Internet. Today there are many wholesale databases with open access on the Internet. It is better to purchase foreign goods, they automatically inspire more confidence, wholesale supplies will be cheaper;
• When a product for sale has been selected and purchased, all that remains is to think through marketing moves, develop a sales concept with a flexible system of discounts, etc.

When selling a product, you need to stand out from other sellers; you cannot skimp on brand promotion; invest in product promotion, be interested in new products, and you will definitely find a buyer.

Buying bonds

Debt securities. Thanks to them, the issuer - an organization, individual or state - borrows a certain amount from buyers. Subsequently undertakes to return, adding interest. The settlement date is set immediately. Bonds have different denominations, reflecting the size of the amount.

A good option to use your savings is to become a lender. Most varieties of ruble bonds have a face value of 1,000 rubles. This is an escalating price that allows you to invest even if you have 1,200 rubles .

Possible risks:

1. Not an insured type of investment. It is dangerous to spend all your savings on them.
2. Risk of default. It occurs when the issuer is unable to repay the debt. It turns out that the higher the yield of securities, the lower the value of the bond will fall. The probability of default is growing. Therefore, high-yield securities should be avoided.
3. Track inflation. It reduces the yield of the Central Bank. Capable of influencing deposits held in the bank.

Prospective bonds

Advantages and disadvantages

State central banks are considered less profitable than municipal or corporate ones. But it's more reliable.

It is advisable to use this method during periods of relative market stability.

Individual investment accounts (IIA)

A type of trading account. The owner can sell the Central Bank and use other trading instruments, including shares from American exchanges. Profitability depends on the knowledge and experience of the trader. A licensed broker will help you open an account.

Features of the IIS system:

1. A citizen has the right to open one account. You cannot distribute your budget over several. The exception is to register them using the data of relatives or business partners.
2. Use of various foreign trading instruments. For example, raw materials, central bank. Transactions occur thanks to local representatives - domestic exchanges.
3. The only account currency is rubles.
4. Replenishment restrictions. The annual amount is one million rubles, this is the maximum threshold.
5. The only choice. The user determines the type of IIS once; the decision cannot be changed subsequently.

It turns out that the account holder can invest small amounts there, which makes the IIS system accessible to the majority.

Advantages and disadvantages

The main advantage is that there are no obligations. Like a deposit opened in a bank. The owner decides for himself whether to use the account or not. Maintenance is free and may remain empty for some time.

Purchase of shares

The tool is complex and accessible only to professionals. Of course, financiers are looking for clients by offering them profitable deposits. When a person transfers funds to another, he carries out financial transactions and gives the resulting profit to the owner. He himself receives payment or a percentage of income. This is risky; there are many scammers among such financial advisors. However, it is possible to purchase shares. Many companies specifically announce an auction to sell securities. For example, they require additional investments when expanding their business or creating a separate line of production.

Prospective securities

The owner pays tax on the profits made from shares. The broker holds it - 13%. This happens immediately and the investor receives money after deduction. To calculate the tax amount, the expenses incurred by the client when he purchased the shares are taken into account.

Advantages and disadvantages

This option allows you to invest your money profitably. It is understandable and has been used for a long time. A person only needs to buy a few securities and then manage them correctly.

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