Some people think that everyone who has built a successful business or simply makes decent money has achieved everything at once. In most cases, you had to start small, save up, invest somewhere, and use your assets. You need to give up something today in order to live better tomorrow.
If you have start-up capital, it is much easier to start. If you cut yourself a little on expenses or earn extra money, anyone can collect at least 50,000 rubles .
We have collected 10 ways to invest 50 thousand rubles so that they generate income, the amount is not that large, but it opens many doors.
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 get... Let’s take a closer look at bank offers valid in August 2021.
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.
Cryptocurrency
Of course, you can’t buy Bitcoin for 1000 rubles (but there was a time – it was worth a ruble, my dear!). And it is unlikely that it will be possible to assemble a diversified portfolio of cryptocurrencies for such an amount. But even with a piece of rubles you can do a lot of things:
- take part in some fashionable ICO;
- buy tokens of a young but promising cryptocurrency;
- invest in cloud mining.
But I think the cryptocurrency train has already left. And it’s better to switch to something more tangible.
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!
How much should I start investing with?
You can start investing with almost any amount. The main thing is to choose the right direction, depending on the amount of available funds:
- 100,000 – 200,000 rub . – bonds, deposits and structured products are suitable;
- 300,000 – 500,000 rub. – this money can be used to purchase gold, purchase real estate, bonds, or be given in trust to bank specialists, or brokers, traders, etc.;
- 1,000,000 rub. – the best use of these funds is to purchase housing at the foundation pit stage.
Also 1,000,000 rub. can be crushed and invested in different products, in different percentages. Thus, diversify your investment portfolio and insure it against possible risks.
Related material: How to write a resume correctly in 2021 (+ samples and templates)
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
Interior of VAZ-2105
The owner of this “five” is a real neat guy.
The car must be in good working order and will last a long time. However, it is still worth checking thoroughly before purchasing it. The owner of this “five” is a real neat guy. The car must be in good working order and will last a long time. However, it is still worth checking thoroughly before purchasing it.
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.
Bonds
You can buy a bond for 1000 rubles. This is a debt paper. An enterprise or government borrows money from investors and returns it to them at a profit. This reward is called a coupon. It can be paid quarterly, semi-annually or annually.
The yield of a bond depends on its status. The most reliable are government bonds, or OFZ - federal loan bonds. Their income is around 6-7% per annum. Next come municipal ones, with them you can earn up to 8-9%. And the most profitable, but less reliable ones are corporate ones. They are also divided into several levels. For “blue chip” bonds the yield is 10-15%, and for “junk” bonds, i.e. with a rating of B– and below – even up to 100-150%. But the probability of bankruptcy of such an issuer is high. Consider that the higher the coupon, the greater the chance that the company will not fulfill its obligations.
The average face value of a bond is one thousand rubles. Therefore, if you decide to invest 1000, then look at them.
Of course, you can’t buy a bond purely for one piece. During trading, the price of a security can change both upward and downward. For example, “long” OFZs are now trading at around 90-92% of the nominal value, or even lower. But bonds of reliable issuers such as Sberbank are 102-103%, i.e. they cost approximately 1020-1030 rubles. Plus, you will have to pay the accumulated coupon income and the broker's commission for the transaction.
But in principle, yes, 1000 rubles is enough to buy bonds. Just calculate the exact costs.
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 – https://business-poisk.com/kak-zarabotat-na-partnyorskix-programmax-v-internete.html
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.
Lending money to interested citizens
This method of investing savings is the opposite of a bank deposit. In such a situation, you yourself play the role of a credit institution.
You may ask why people should take money from you if they can go to a bank or microfinance organization (MFO). The fact is that both of these methods have serious disadvantages. Banks can be intimidated by the length of the loan application procedure. MFOs charge too much interest for their financial services. By maneuvering between these two extremes, you can find your client. 30–50 thousand rubles is enough capital to start a usurious business.
There are two points that you should definitely remember. Firstly, competent legal registration of the loan. When lending any amount, you should write a receipt that clearly defines the repayment terms and interest rate. Secondly, you need to select clients wisely. You should not lend money to people who you know will not be able to pay it back.
Thus, if you have 50,000 rubles, then a wide pool of opportunities opens up before you, allowing you not only to invest, but also to increase your capital.
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!” »
Investments in precious metals
Gold and other precious metals and stones are traditionally reliable objects for investing money. This way of investing your savings should be considered worthy of attention. However, one should not expect extremely high returns from them. But still, the return on such investments can be quite significant.
Any investor can either directly buy metal in coins or bars, or open a gold account in a chosen bank. If you choose the first investment option, we do not recommend storing gold at home. This entails too high risks of its theft. It would be much more expedient to rent a safe deposit box.
A number of major financial experts predict an increase in the price of gold and platinum in the medium and long term. Such a trend may appear on commodity exchanges in 2018–2019.
VAZ-2109
"Nine" (VAZ-2109).
Just from one photo you can see that two doors and a wing will have to be straightened and painted. The trunk door needs to be replaced, it has rotted along the bottom edge, the rot has been camouflaged. Uneven gaps are also visible. And from afar - candy. "Nine" (VAZ-2109). Just from one photo you can see that two doors and a wing will have to be straightened and painted. The trunk door needs to be replaced, it has rotted along the bottom edge, the rot has been camouflaged. Uneven gaps are also visible. And from afar - candy.
All other selection principles are the same as for “classics” and other cars.
I don’t recommend looking for a Niva, although in winter I’m especially tempted to buy an all-terrain vehicle. Most likely, the condition of the body will be much worse than that of the “classic” and front-wheel drive vehicles, and the suspension or transmission (primarily the transfer case) will soon require repair.
Advice for novice investors
All of them are based on the personal experience of those who have already walked this path and achieved certain success in investing.
- When considering how to invest, be guided primarily by your own preferences, and only then by the advice of others. This is especially true for business. If a person is not interested in a business, he will never achieve success in it.
- You need to constantly improve your knowledge level. Don't get stuck on one type of investment. It is better to be aware of what is happening in the financial market and respond to all changes in a timely manner.
- Before investing the entire amount, you need to find out as much as possible about the project or method. Read reviews from those who have already invested in these businesses.
- Avoid investing money in unclear and dubious enterprises: financial pyramids, network marketing, and even more so online casinos and bets on all kinds of events. This is not investing; in 99% of cases the money is lost forever.
- You only need to invest available funds. This should not be the last money, and especially not a loan.
- Calculate all possible risks as much as possible. There is no need to brush aside even the little things. Only a well-thought-out concept will give a good result.
- If there is an opportunity to invest in a profitable project, but there are not enough funds for this, look for co-investors. There are not so few people in the world who also want to make a profit without having extensive capital.
- You should not invest in projects that promise immediate super-profits. It is better to invest in methods that really work, even if they do not provide immediate income.
- Even after receiving a unique offer, do not rush to give in to emotions. It is better to carefully weigh everything, consult with relatives or friends, and look at the situation from the outside.
- Be patient. It rarely happens that an investment produces income immediately; it usually takes time.
- Keep saving money. You may need additional investments in an already running project, or another, more profitable one will come along. We must not forget about possible force majeure situations. Any successful investor always has a safety net.
ZAZ-968M
ZAZ-968M is permanently laid up not far from the editorial office.
It has been around for a long time and is inexpensive. But it’s not interesting as a collector’s car, and it’s absolutely not suitable for everyday driving (even if repaired). A toy, that's all. ZAZ-968M is permanently laid up not far from the editorial office. It has been around for a long time and is inexpensive. But it’s not interesting as a collector’s car, and it’s absolutely not suitable for everyday driving (even if repaired). A toy, that's all.
