What kind of business can you open with a budget of up to 200-300 thousand rubles?

Good afternoon, dear readers! With you is Eduard Stembolsky, the founder of the “PAPA HELPED” project.

Smart investing is not only a way to increase your income, but also to radically change your relationship with finances. By investing your money wisely, you will no longer depend on a fixed salary, generosity or stinginess of your employer and create your own source of well-being.

When I earned 200,000 rubles, I immediately had the idea of ​​​​putting this money to work. I studied the most reliable and effective investment tools and prepared an article based on my personal experience. This article will present only safe tools, no PAMM accounts, cryptocurrencies or “investment companies”.

You will learn how investments in stocks differ from investments in bonds, how to distinguish a financial pyramid from an honest investment project, and what is more profitable in the short term - investing in gold or a regular bank deposit.

Only practical advice and useful recommendations!

How to invest and not make mistakes

An amount of 100-200 thousand rubles is enough to start a career as a successful investor. But the main thing here is not to rush, but to arm yourself with the necessary knowledge even before you place your hard-earned money in any financial instrument.

A significant part of investors make mistakes at the very beginning - people choose a dubious financial product, succumbing to advertising, promises and taking false information on faith. The creators of financial pyramids make money from such investors, who have been operating according to the same scenario since the times of MMM.

This scenario is simple: you are promised tempting profits in the very near future. The names and external design of such projects can be very different, but the essence is the same - generous promises are not backed up by anything, and the projects themselves have a very limited shelf life.

A financial pyramid is a fraudulent project that disguises itself as a real investment company and promises increased profitability with minimal risks.

There are several options that such projects can offer you:

• PAMM accounts – “professional” management of your money in order to increase profitability;
• ICO – projects based on blockchain technologies;
• cryptocurrency projects;
• investment projects in their purest form (a relatively recent example is ).

The larger the investment amounts, the more opportunities you have, but also the higher the risks of losing your savings. Financial pyramids work according to the same scheme: they have founders who receive the main profit, and investors who contribute their money to the project.

The founders partially spend the collected funds on advertising and on payments to the first investors, and put the rest in their pockets.

Have you encountered any of these?

When the money for payments runs out, the pyramid safely ceases to exist. This is the inevitable end of any such project, due to its structure. Participants have a much greater chance of being left with nothing than being the lucky ones who receive the first payments.

The saddest thing is that an investor in a “pyramid” project does not receive any real guarantees of return on investment. However, it will be very difficult to prove the fact of fraud.

Such projects always have a certain legend - it is either a “brilliant” business idea, or a “company of experienced traders,” or an “innovative cryptocurrency project.” On paper it all looks smooth and convincing. On pyramid websites you will find profit charts, profitability tables, reviews of participants who have already received 200% per year.

The lifespan of the project depends on the amount of money collected and the percentage of initial payments. Sometimes such projects are even advertised through central channels, which does not change the general scheme - you lose, they earn.

The main features of the pyramids:

1. High yield - more than 5% per month (for comparison, banks offer 6-7% per year ).
2. Poorly understood or completely opaque work scheme. Lots of words, little evidence. Or the scheme is so complex and mysterious that ordinary investors are not told about it.
3. Low entry threshold - literally for $50 you become a full-fledged participant in a “multi-million dollar” project.
4. Generous and extensive referral program - refer a friend, get money.
5. The organization does not have a state license to raise funds. Strictly speaking, she does not have any license at all. Unless they are drawn certificates of dubious content.

The more convincingly and verbosely they assure you of “real income” and “break-even schemes”, the more questionable the status of the companies. Honest investment projects promise much lower returns and always warn about risks. Sometimes they even give the probability of losing money in digital terms.

Before investing money anywhere, remember the universal rules of investors:

• Diversification. Don't invest all your money in one financial instrument. Divide into several streams with different degrees of risk. Even if one project fails, income from others will cover expenses.
• Invest only free funds . That is, those on which your well-being does not depend. In addition to investment money, you also need a safety net - an amount that will be enough in case of failure for a comfortable existence for at least 6 months.
• Control risks. Don't make financial decisions based on emotions and intuition. Check investment instruments as carefully as possible. But remember: even brilliant investors make mistakes sometimes. Sometimes losing a certain share of capital is even useful in terms of life experience.

And don't let greed take over your reason. The world of investment is not a casino, here you do not play, but secure your future. I advise beginners to abandon dubious projects immediately and start with proven and reliable investment instruments. I will talk about them in the next section.

Agriculture

Many aspiring entrepreneurs try to earn money through their own labor. Most of these businessmen go into the agricultural sector.

Quail breeding

Quail is prized in restaurants and cafes. Therefore, breeding this bird brings a stable income. It is important not just to focus efforts on breeding livestock, but to think through marketing routes.

And there should be no problems with this. In addition to the above-mentioned cafes and restaurants, quail meat will also be accepted at the market or in a store. Naturally, if the entrepreneur provides sanitary confirmation.

Many farms are happy to purchase bird droppings. And quail eggs are always taken apart.

You can house 200 quails in a standard size chicken coop. To build such a structure you will need to invest 200,000 rubles. A businessman can count on receiving 40 thousand in income every month. But this is only from the sale of poultry. It is important to remember about the possibility of donating eggs and selling litter.

It is best to place a building for breeding quails on your own summer cottage. A standard initial batch of 200 heads will fit in a building with an area of ​​70 square meters. It is worth considering the ventilation of the building and providing quails with protection from rodents. When cold weather sets in, the poultry house will need to be equipped with heating and a warm floor. If your plans include business expansion, then the chicken coop should be built in such an area that will allow you to subsequently increase the number of livestock without unnecessary worries.

Chicken breeding

The business of raising chickens falls into the category of profitable types of entrepreneurship. It is difficult to imagine a store where chicken meat or eggs will lie on the shelves. Due to the demand for these products by the population, finding a distribution channel is not difficult. After all, in addition to shops, you can offer goods to market traders.

To build a mini chicken coop for a flock of 100 heads, you will need to spend 85 thousand rubles. In this case, the monthly income from meat alone will be equal to 20,000. This business can be used as an additional source of income, and over time, increase the number of livestock and fully engage in poultry breeding.

Naturally, raising chickens in a city apartment is extremely difficult. This will have to be done on a personal plot. To keep chickens, you need to build a building at the rate of 10 square meters per 20 birds.

In addition, it is important to follow the following recommendations when setting up a chicken coop:

1. The room temperature should not fall below zero, nor should it be above 27 degrees.
2. Provide ventilation arranged in such a way as to prevent entry of rodents.
3. Consider an insulated floor option for winter.
4. Place drinking bowls and feeders with mixed feed along the walls.
5. Place nests made of wooden or plastic boxes and filled with straw and sawdust in the corners.
6. Place a box and fill it with a mixture of ash and dry sand (chickens take a bath to cleanse them of parasites).

It is worth regularly disinfecting the premises with special means or lime.

Where to invest 100,000-200,000 rubles and make a profit

Let's move on to practice. Let's consider investment instruments with guaranteed returns. The risk of losing money in such investments is minimal, but as in any financial matter, it still exists. Therefore, before investing, it is worth studying each area in detail.

Bank deposits

General description: A well-known way to save your money and slightly increase it. At the time of writing (spring 2020), the interest rate on deposits in Russian banks is 6-8% per annum in rubles.

That is, the yield barely covers inflation, so you won’t be able to make much wealth with 100,000 rubles. But you are guaranteed to save money. Even if the bank’s license is taken away, deposits up to 1.4 million rubles are insured. You can check whether your bank has a valid license on the website of the agency for insurance of treasures (DIA).

Example

About a year and a half ago, Rublev Bank, where I opened a deposit, had its license revoked. All my savings were returned within 2 weeks. So if your deposits are insured by the DIA, then you have nothing to worry about.

We check whether the bank’s license has been revoked and look at the payout points!
Deposits in a bank cannot be called super-profitable investments - rather, it is just a way to protect part of your capital for a while until you select a more profitable financial instrument.

Liquidity: High. You have the right to withdraw money from your account at any time. Many banking products provide depositors with the opportunity to partially withdraw money without losing interest.

Income percentage: 7-8%. The official inflation rate in the Russian Federation is about 4%; in fact, prices are growing much faster than official indicators.

Advantages and disadvantages: The advantages of the method are obvious: minimal risk level, passive income, low entry threshold, transparency, the ability to open a deposit online and close it remotely if necessary.

Recommendations for selection: Choose a large bank, preferably one in which you already have an account. Financial companies especially favor regular salary clients - they are offered preferential terms on deposits and loans. Choose deposits with monthly capitalization of interest on your deposit account - let the “compound%” always work for you.

Use the services Sravni.ru and Banki.ru - these resources contain mostly objective and truthful information on certain financial institutions.

It is advisable to make a multi-currency deposit in three currencies - dollars, euros and rubles. If there is any default of the national currency, the losses will not be so catastrophic.

Shares – Russian and American

General description: This is a more promising and interesting instrument, but requires a more meaningful approach than bank deposits. Investing in stocks needs to be done carefully.

The stock exchange is not a casino where people guess random numbers. This is work. By purchasing a share, you become a co-owner of the company and are entitled to a portion of its profits. This means you need to choose thriving and developing companies.

There are two types of income from shares - dividends and capitalization . Not all companies pay dividends; this is a fixed share of profit that the issuer pays to shareholders, and capitalization is the increase in the value of shares. Both types of income are not guaranteed.

The company may even go bankrupt, and then the value of its securities will drop to zero. And vice versa - there is no upper limit to profit. There are known cases when shares increased in price by 100% and 1,000% .

Liquidity: High. Most shares can be exchanged for cash at any time. Whether it will bring profit is another matter, since value growth is not guaranteed.

Income percentage: Unpredictable.

Advice from wealthy people

Maxim Temchenko, one of the coaches and a famous Russian self-made multimillionaire, recommends starting to climb the financial ladder by reaching the level of financial security. The first thing you need to do is get rid of “leaks” - debts, unnecessary expenses. The second step is creating an airbag. At the third stage, it is necessary to begin accumulating starting capital, which will become a springboard into the world of big earnings.

Henry Ford focused not on the practical side, but on the psychology of success. Here are the TOP tips from him:

• a person can do absolutely anything if he believes that it is real;
• You should never let failure stop you from trying again;
• success is born from the ability to make the most productive use of the main resource - time.

If you don’t give up, but use every free minute to take the next step towards your dream, then you can reach any heights.

Talented actress, presenter and producer Oprah Winfrey has earned more than $2 billion from her talent. According to her, she gained her financial independence thanks to faith in herself, her own strengths and in the future that she drew for herself in her dreams. Quotes from a female billionaire that many can gain wisdom for financial success.

“When I tried to please others, I made the biggest mistakes in my life. You need to follow your interests."

“For me, 12 hours of work is not enough. If I return after filming, having worked for half a day, I find something else to do for a couple of hours.”

Thomas Edison, a world-famous inventor and billionaire, made his fortune on his own, without using parental capital. His basic life principles:

• you should not rely on inspiration, because success is 90% dependent on work;
• You should not miss a single chance, even if it requires maximum efficiency and dedication.

Thomas Edison never disdained simple physical labor, although he had high intellectual development. It was the ability to do any job and be in the right place at the right time that became his springboard to financial success, which is known all over the world.

IIS - invested money and received 52,000 rubles from the state

An alternative investment option is the Individual Investment Account, a special type of brokerage account with tax benefits. By opening it, you receive a financial gift from the state - a tax deduction in the amount of 52,000 rubles.

The gist is this:

1. You invest your savings in the stock exchange for a period of at least 3 years. You need to act through a broker, but not all sites work with IIS, so clarify this issue in advance.
2. You purchase securities for an amount of up to 1 million rubles It is not prohibited to carry out trading operations with them in the future. Tax deductions are made only from an amount of 400 thousand .
3. Money cannot be withdrawn before the expiration of the specified period, otherwise the tax benefits will expire.

As a rule, the most liquid securities are chosen for IIS - “blue chips” or federal loan bonds. For beginners, the most popular would be a conservative investment strategy. This is an almost risk-free way to increase your savings through passive income.

Be carefull. Some brokers implement programs with a similar name instead of IIS. So read the contract carefully before signing. And choose brokers from the top - big players do not benefit from fraud; their reputation is more valuable to them.

Real estate trade

Are you looking for options on how to quickly earn 200,000 rubles? Try getting into real estate trading. Many rich people started their activities in this area and managed to achieve great success. The simplest and most affordable option is to purchase an apartment or house in disrepair for little money, make major repairs and sell it for a much higher price. The most popular product is budget apartments. They are in great demand on the market and therefore have high liquidity. There will be no problems selling such an apartment after renovation.

Investing in your own business - possible options

And another alternative way is to generate active income. You invest money in your own business - here the profits and prospects are completely different, although the risks are also considerable.

Business on Chinese goods

There is already a detailed article on business with China on our website. The essence of the business is extremely simple: you find a supplier of goods in China, purchase a batch at wholesale prices, sell in Russia with a markup of 50-200%. The difference will be your profit.

The most effective option today is selling goods via the Internet. There are several options here - open a full-fledged online store, create a landing page, sell products through social networks. In the latter case, the costs are minimal, but it will take time to promote a group or commercial account.

Business on Instagram

Even schoolchildren are now making money on Instagram. With an initial investment of 100,000 rubles, you have every chance to quickly launch a profitable business. To do this, you will need to promote your account, make it popular and earn money from advertising and promoting other people’s or your own products.

Why Instagram? Now this is the most suitable niche for making money through social networks. There is an audience of millions and the broadest prospects. Plus, there are many services for promoting a public page or account from scratch - Zengram, Instaplus.me, Smmplanner, etc.

We also wrote a detailed practical guide about business on Instagram.

Investing in ourselves

An option for those who are looking to the future - invest your free money in yourself, in your own development. In the long term, such investments turn out to be the most profitable.

By developing professional skills and abilities, you become more in demand and get more for your work than your competitors.

Next time you will no longer have 100,000 rubles of free money, but 500 thousand or a million. And these are other income from investments.

If you dream of getting an additional profession, do it. For example, the profession of Internet marketer is extremely in demand online. Now hundreds of companies need qualified and competent marketers. Become one, and unemployment will not threaten you in the near future.

Other options are business training, training in copywriting, editing, or other in-demand online professions. A large selection of current professions is presented on the Netology website. If you are not yet familiar with this resource, be sure to visit it.

It sounds pretentious, but the future is truly in your hands!

Children's clothing and items for children for rent

Surely all mothers have encountered the fact that their little ones grow very quickly, and many things become too small for them. This problem is often solved by transferring small things for the use of some acquaintances, close friends, or relatives who have small children.

And sometimes unnecessary children's clothing in good condition is generally thrown into a landfill or put on rags for wiping off dust. However, there is a smarter solution - why throw it away if you can sell it. To do this, you just need to advertise in the newspaper or on the Internet on your Odnoklassniki or VKontakte page. And if your child still has a crib, swing, walker, bicycle, and the like in good condition, then that’s generally good. All listed items for children can be rented. That is, open your own mini-business. Of course, it is unlikely that among your child’s belongings there will be enough things to open this business. But there is a way out, you can borrow children’s things from your acquaintances or friends, and if you don’t have any, then you can buy something. In any case, this business does not require large initial investments.

Example of a moderate investment portfolio

A moderate investment portfolio is suitable for those who have a lot of free time, want to earn from 50% per annum and are willing to risk 35-50% of their capital.

Example of a moderate investment portfolio:

• If you are officially working, then 75,000 rubles. We invest in IIS with the purchase of corporate bonds. Profitability 25% per annum.
• If you do not work or can allocate more than 4 hours a day, then 20,000 rubles. We invest in online training for popular remote professions (designer, programmer, application and chatbot developer, SMM specialist, marketer, HR manager, etc.) or in training in forex trading and investing. The profitability in this case will be from 100% per annum. The remaining 55,000 rubles. distribute as follows:

10,000 rub. put it on deposit. They may soon be needed for advancement after training.

45,000 rub. We invest in mutual funds with a yield of 20% per annum.

• 25,000 rub. We invest in stocks with a yield of at least 25%.
• 33,000 rub. we invest in brokers' PAMM accounts with a monthly yield of 4-6%

• Roboforex
• FxPro
• Amarkets

Roboforex - best for beginners and scalpers

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• successfully since 2006,
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Amarkets - offers the most favorable conditions for traders.

• More than 12 years of successful work in financial markets,
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• 40,000 rub. invest in cryptocurrency with a yield of 70% per annum:

10,000 rub. in Bitcoin with hedging on Forex in case of a fall in exchange rate.

15,000 rub. for the purchase of TOP 10 cryptocurrencies with the largest capitalization

15,000 rub. into unclaimed coins and tokens with high growth potential.

• 28,000 rub. for Forex trading or creating passive income (business) . Capital can be doubled in a year.

Total from 200,000 rub. of invested money for the year, the profit on average will be from 96840-104760 rubles. or 48.4%-52.4%:

• 75,000 rub.*25% = 18,750 rub.
• RUB 25,000*25% = RUB 6,250
• 33,000 rub.*48-72%=15,840-23,760 rub.
• 40,000 rub.*70%=28,000 rub.
• 28,000 rub.*100%=28,000 rub.

With a moderate portfolio, the number of investment objects increases and a little more time is needed to control assets.

If risk management rules are followed, more than 50% of the initial capital remains highly protected (Shares, mutual funds, corporate bonds).

30% work with average risk. These include: PAMM accounts, 1 and 2 strategies for investing in cryptocurrency, opening transactions on Forex based on signals from experienced traders with setting stop losses.

20% will bring maximum profit with high risks of loss (a sharp drop or rise in the cryptocurrency rate, risky transactions on the Forex market with high profits or losses, training that does not pay off or the start of a successful business).