Where to invest 50,000 rubles to earn money: top 5 options

Option 1. Stock market

By law, you are not allowed to trade securities directly on an exchange. You will need to enter into an agreement with an intermediary - a broker. An amount of fifty thousand rubles will be enough to open an account in most Russian companies.

The fundamental factor when choosing a broker is its reliability . It is calculated by the National Rating Agency. Today the list of the most reliable brokers looks like this:

After concluding the agreement, the investor receives access to the terminal. Using it, he can independently conduct transactions with securities. With 50,000 rubles you can buy stocks, bonds or ETFs.

Important: you don’t have to limit yourself to just one financial instrument. Funds can be distributed across several assets.

1) Shares

Shareholders are divided into two types: some prefer to receive income from the increase in the price of securities, and others from the payment of dividends. Investor preferences determine stock selection.

Growth stocks are securities of undervalued companies. They can increase their capitalization many times over in a short time. From the end of 2021 to June 28, 2021, the following enterprises showed the greatest growth:

It is impossible to accurately predict the behavior of stocks in the future, but experts say that the securities of the rating leaders will continue to move upward.

You cannot invest all your funds in one company. It's worth remembering to diversify. The money should be distributed among several companies in different fields of activity.

Stock

If you decide to invest a thousand rubles in the stock market, then start with blue chip stocks. These are reliable companies with a clear and steadily growing business, without surprises (although they threw out Magnit).

The price of shares varies significantly - from 4 kopecks (VTB) to 165,000 rubles (Transneft). This in no way speaks about the value of the stock and the value of the business (which, like Transneft, is cooler than VTB); to evaluate shares you need to look at the multipliers and financial indicators of the company, and buy them using a special strategy.

And here’s another interesting article: How to create an investment portfolio in Russian conditions

But it’s more important for us to know that it’s more realistic to buy VTB shares with 1,000 rubles in your pocket than Transneft or Norilsk Nickel, which trades for 11,292 rubles.

It should be taken into account that shares are sold not one at a time, but in lots. One lot can contain from 1 to a thousand shares. For example, 1 VTB lot contains 10,000 shares. This is 400 rubles. For 1000 you can buy two lots, and still have some left.

But there are 10 shares in the Sberbank lot. One share costs 187.2 rubles, therefore, the entire lot is 1872 rubles. You can’t buy for a thousand. At least two are needed.

Avon lot contains 1 share. It costs 2 dollars (about 133 rubles). Therefore, for 1000 rubles you can buy 7 shares.

Think about it this way. Also include a broker's commission as an expense. Choose a broker with minimal costs, because if you purchase in small quantities, you will overpay more for account servicing than you will receive in profit.

Option 2. Forex

Access to the forex market, like access to the stock market, requires intermediaries. They are dealing centers. Only four organizations received an official license from the Central Bank of the Russian Federation to conduct this activity:

• Alfa-Forex;
• VTB Forex;
• PSB-Forex;
• Finam Forex.

It will be possible to conclude an agreement with only two organizations: PSB-Forex and Finam Forex. The rest require to top up the account with an amount greater than 50 thousand to activate the account.

Unfortunately, the trader will not be able to fully use the trading capabilities of these brokers. Trading dollars, euros and other “expensive” money will not work. They provide small leverage, so the minimum lot for purchase is 1000 units of currency.

Cooperation with Forex dealers without a Central Bank license carries additional risks. Companies are registered in other countries and problems that arise will have to be resolved there. The regulatory authorities of the Russian Federation will not help in this matter. To reduce risks, it is necessary to enter into an agreement with trusted dealers:

• Alpari;
• Roboforex;
• InstaForex.

There are two ways to make money on Forex:

• independent trading;
• investing in PAMM accounts.

Let's look at each of them in more detail.

1) Trading

It is recommended to engage in trading only for those who know the basics of technical analysis and know how to assess the situation on the financial market. A trader's income is limited only by his capabilities. Successful traders can earn more than 1000% in 1 month. Average earnings are 5-10% per month.

Interesting: American trader Larry Williams set a real record in 1987. He participated in the futures trading championship and increased his capital from $10,000 to $1,147,000 in 1 year. And this is a fantastic 11,470% per annum.

However, only a few achieve such a result. Statistics say that only 15% of traders trade profitably . The rest “drain” their deposit.

2) PAMM accounts

Investments in PAMMs are suitable for people without trading experience . The trader will enter into transactions and give you approximately half of the profit.

Important: due to restrictions of Russian legislation, brokers licensed by the Central Bank do not have PAMM accounts.

Each manager trades according to his own strategy. Conventionally, accounts are divided into:

• conservative;
• aggressive.

The latter show high profitability, but do not last long: sooner or later an aggressive manager will make a mistake and lose the deposit. The profit from the former is much lower, but they allow the investor not to worry so much about the safety of his money.

Examples of conservative accounts on Alpari and their returns over the last year:

• Real Earnings - 13.4%;
• IteraD_v2 - 35.2%;
• Gold Trade - 44%;
• Sovenok -14.4%.

Aggressive accounts on Alpari:

• Dhaulagiri - 476.1%;
• GoldUSDpamm - 1312.2%;
• Handly USD - 815.9%;
• Greenspan - 1326.4%.

The average yield of the above conservative accounts is 26.75%. Aggressive - 982.65%.

Important: you cannot invest all your money in one account. You need to create a diversified investment portfolio. It is recommended to give 80% of the funds to conservative managers, and the remaining 20% ​​to aggressive ones.

If last year you had invested 40,000 in conservative accounts and 10,000 in aggressive ones, you would have received 10,700 rubles in profit from the first and 98,265 from the second. The total profit is 108,965 rubles or 196.53%.

Spend on yourself

Education

Not the most obvious and fastest way to increase capital. But if you approach it wisely, it will pay off in full. Spend money on upgrading your skills, learning new skills, getting to know modern technologies, etc. This could be training courses, good books, webinars, lectures, master's degrees, or contributions to first/second higher education. To get a return, choose not those master classes that you have long wanted to attend, but those that will bring financial benefits in the future. See which certifications will be useful in your profession to help advance your career. In the future, this will contribute to obtaining a position with a higher salary.

Health

The first thing that comes to mind is to check the condition of your teeth. Dental services are now very expensive, and if the problem takes you by surprise, then you will be tight without money. You can go for an examination and have problem teeth treated, if any. If you haven't had a general examination in a while, now is the time. You can remember the importance of leading a healthy lifestyle. Spend money on a gym membership, massage, vitamins, bicycle, etc. These are not empty words about the importance of a healthy lifestyle. A physically healthy person actually finds it easier to manage money and increase its amount.

Option 3. Binary options

There are no companies licensed by the Central Bank of the Russian Federation, so choosing a broker must be approached with special care. It is better to invest 50,000 rubles in the most reliable binary options of 2019:

• Binarium;
• Pocket Option;
• FinMax;
• Alpari.

Important: for profitable trading, there must be at least 58 successful transactions per 100 transactions. For new traders this figure is about 50%.

Before starting real trading, it is strongly recommended to practice on a demo account; all brokers provide this opportunity.

It is impossible to calculate exact profits. Its approximate size can be found using a calculator.

To correctly compile a model, you need to specify:

1. The amount of initial capital (50,000 rubles = 747 dollars).
2. Percentage of balance per transaction (it is not recommended to allocate more than 5%).
3. Losses on an unsuccessful bet (usually 100%).
4. Payments for a successful bet (average 70%).
5. Percentage of successful transactions. Depends on the trader's trading strategy. For calculation, let's take 65%.

An approximate trading model looks like this:

A trader who makes 65% of successful transactions will receive about 14,230 rubles in net profit from 50 thousand. This is 28.46% of the initial capital.

Read more: how to make money on binary options.

Important: the constructed model does not guarantee profitability. It only shows an approximate graph based on mathematical calculations.

Copy trade system

This option where to invest 1000 rubles to earn money also applies to Forex trading. Only now we will have our own trading account on which trading is carried out. We don’t need to do anything ourselves – we just need to subscribe to copying the transactions of any successful trader.

One example of a good and convenient service is the CopyFX system, associated with the Roboforex broker. The main difference is the ability to set the proportions between the transactions that the trader opens and the volume that will be used on our account. And it doesn’t matter that we have $16, and he has $16,000, we get the same percentage. You need to pay a commission.

Pros:

1. There are no restrictions on the size of the deposit - open a cent account and subscribe to signals. A large number of deposit and withdrawal options.
2. Large selection of traders . Possibility of evaluation according to different criteria (equity capital, investor capital, maximum drawdown, and so on).

Minuses:

• As with PAMM, there is no guarantee that there will be no loss. But if you choose the right signal provider, everything will be fine.

Option 4. Precious metals

Precious metals are the most stable defensive asset. Investments in them are considered as a way to save money, but over the long term they bring a stable income.

The increase in the value of precious metals occurs due to their:

1. Durability. They do not rust, rot or change their chemical composition over time.
2. Limited quantity. The reserves of metals in nature are not endless, and modern science has not learned how to synthesize them.
3. Industrial value. Many industries cannot do without noble metals. They are needed for microcircuits, radio electronics, medical equipment and the chemical industry.
4. Aesthetic value. Jewelry created by jewelers is considered real works of art. Some cost millions of dollars.

There are several ways to purchase gold; let’s look at each of them in more detail.

1) Ingots

An ingot is a piece of pure 999 fine metal. You can only buy it from a bank that has a special license.

Banks sell bars of four precious metals:

• gold (from 1 g to 13.3 kg);
• silver (from 50 g to 32 kg);
• platinum (from 5 g to 5.5 kg);
• palladium (from 5 g to 3.5 kg).

The transaction requires personal presence; you cannot buy the bullion online. It takes no more than 10 minutes, you need to take your passport with you.

An employee carefully examines and weighs the selected bars in front of the client. After this, he must pay for the purchase and receive a transfer and acceptance certificate, a check and a certificate.

Important: the data indicated in the certificate must match the engraving on the front side of the ingot. You can't lose it. In this case, the bank may refuse to buy it or will do it at a very low price.

It will not work to use bullion for speculation. The fact is that the bank charges a purchase commission of 4% and 20% VAT. In addition, he buys bars at approximately 4% cheaper than their real value. The total losses in case of a quick sale will reach 28%.

It is recommended to invest 50,000 rubles in different metals. It is unknown which of them will show better profitability in the future. Unfortunately, it is not possible to buy even the cheapest ingots of all precious metals; this will require large investments.

When choosing an investment metal, it is customary to be guided by exchange rate changes in the long term. Let's take the twenty-year chart as a basis:

During this period, the highest average annual returns were shown by gold (61.8%), silver (38.76%) and palladium (25.27%). The profit on platinum was 25.15%, so it will not be included in the portfolio.

It is recommended to invest 50,000 rubles as follows:

• 5 grams of gold - 21,210 rubles;
• 5 grams of platinum - 13,842 rubles;
• 250 grams of silver - 13,848 rubles. 10519

The total investment amount is 48,900 rubles. The remaining 1100 is not enough to buy metal.

The real price of bullion will be 24% less, since this share is due to taxes and commissions. Let's calculate their approximate cost in rubles taking this fact into account:

2) Anonymized metal account

Compulsory medical insurance is a virtual bank account, the unit of measurement of which is not currency, but the weight of the precious metal. Unlike bullion, no one will give physical metal to the buyer; he only purchases an entry in the database. The assortment includes the same four items.

Metal purchased through compulsory medical insurance is not subject to VAT. In addition, you can purchase fractional parts, rather than the standardized pieces established by GOST.

Minimum purchase quantity:

• silver - 1 gram;
• gold, palladium and platinum - 0.1 grams.

Important: unlike other bank deposits, compulsory medical insurance is not insured by the state. If the bank stops operating or its license is revoked, you will lose all your funds.

The purchase price of 1 gram of metal in Sberbank as of September 4, 2019 is:

• gold - 3449 rubles;
• silver - 41.1 rubles;
• palladium - 3477 rubles;
• platinum - 2152 rubles.

It is best to distribute 50 thousand rubles equally among all assets. For each type of metal there will be 12,500. This amount is enough to purchase:

• 3.6 grams of gold;
• 304 grams of silver;
• 3.6 grams of palladium;
• 5.8 grams of platinum.

The profitability of OMS is the same as that of physical metal. All quotes are taken from the London Stock Exchange. The profit chart for the last year looks like this:

The total portfolio income for the year amounted to 9917.45 rubles or 19.83%.

3) Investment coins

Bullion coins are made from precious metals. The cost of a product is affected by its weight, type of metal, edition size and condition. The advantage of coins is that you do not have to pay VAT when purchasing them.

Important: if you keep the coins for more than three years, you will also get rid of the tax upon sale.

You can invest 50,000 rubles in the following coins:

• St. George the Victorious (Gold - 7.78 g) - 26,500 rubles;
• Cook Islands gold coin “Year of the Rabbit” (5 g) - 18,030 rubles;
• St. George the Victorious (Silver - 31.1 g) - 1650 rubles;
• FIFA World Cup 2021 in Russia (Silver - 31.1 g) - 3200 rubles.

In total, you will have to spend 49,380 rubles on coins. Profitability is impossible to predict, but in the long term they always show steady growth.

This is confirmed by the graph of the gold investment coin “St. George the Victorious” over the past 10 years:

In 2009, the price of “St. George the Victorious” was only 8,449 rubles. Those who invested in it then were able to earn 180% of net profit.

ETF

This is almost the same as mutual funds - funds work on the same principle, but mutual funds adhere to active management, and ETFs - passive (invest in indexes).

ETF shares are traded on an exchange, making them easier to buy and cheaper because there are no management fees. So consider exchange-traded funds as an option where to invest a thousand rubles.

Historically speaking, ETFs have shown better returns than active management. So if you decide to “buy and hold,” an exchange-traded fund is what you need.

But keep in mind that shares of such funds still cost more than 1,000 rubles. For example, FXMM (US Treasury bonds) - 1459 rubles, FXRU (Eurobonds of Russian companies) - 7310, FXRL (shares of Russian companies) - 2309. But the FXGD gold fund is less. It will cost 558 rubles.

Well, consider the broker's commission.

Option 5. Mutual Fund

A mutual fund is a tool created for investors without experience. The portfolio is compiled by a management company, the investor can only wait and receive passive income.

Important: Mutual Fund does not guarantee profit. Even the most successful fund has bad times.

The average profitability of the top ten ranking of the most profitable mutual funds for 2021 is about 26.5%. It is not recommended to invest in one fund; you need to diversify your investments. Unfortunately, in Ingosstrakh, BKS and Raiffeisen Capital the entry fee is 50,000 rubles, so they are not suitable for an investor with a small budget.

His choice remains such management companies as VTB and Sberbank. The minimum investment amount in them is 1000 rubles. Funds must be distributed equally between four funds:

• VTB - Oil and Gas Sector Fund;
• Sberbank - Natural Resources;
• VTB - Moscow Exchange Index;
• VTB - Equity Fund.

The expected return on the compiled portfolio is 27.28% per annum.

It will not be possible to invest exactly 50 thousand rubles; the funds charge a commission for replenishment of 1%. Since you will invest in four funds, you will have to spend 500 rubles on it. Interest will be charged on the remaining 49,500 rubles.

In 1 year, the portfolio will bring 13,503 rubles in profit. If you want to sell it, you will have to pay a withdrawal commission (another 1%) and profit tax (13%).

The total amount that the investor will receive after deducting all expenses will be 60,264 rubles. This is 20.5% per annum instead of 27.28% expected.

Microloans on the Internet

So-called P2P loans are developing very rapidly. There are many microfinance organizations (MFOs) that offer loans at substantial interest rates (tens and hundreds of percent per annum). It's like usury, only streamlined and electronic. Where to invest 1000 rubles to earn money? To lend.

Pros:

1. High interest rates . If you are not greedy and lend at an adequate interest rate, then you can earn more and more every month, since there will always be someone willing to borrow cheaper.
2. You can start with small amounts . Our 1000 rubles is enough, maybe even for 2-3 loans.

Minuses:

1. The debtor may suddenly disappear. So we study it before lending.
2. There may be delays.

Option 6. Hype

Hype investments are a highly profitable but risky way to make money on the Internet. They can bring investors more than 100% profit in a short time, but only with a competent approach to investment.

For those who are thinking about where to invest 50,000 rubles, we have created our own HYIP monitoring without listings:

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PAMM account system

If you search carefully, you can find PAMM sites where there are good manager accounts in which you can invest small amounts. Typically these will be either young accounts or aggressive ones. This is exactly what is interesting, since they always have very high indicators at the start of trading. Acceleration occurs in just a few weeks. After this, you can withdraw the funds in full or leave a portion. And continue to look for new options. Considering such profitability, in just a few months you can have a whole portfolio of PAMM accounts, albeit with small amounts.

Pros:

1. The opportunity to quickly earn 50-200% in a short period of time . Such indicators are far from uncommon when starting to trade.
2. This is real trading , that is, we are investing in real business.

Minuses:

1. The account may go bankrupt. This happens, not very often, but still. Find out as much information as possible before deciding where to invest 1000 rubles.
2. Not all accounts work with such small investments.

Option 7. Startups

An individual can invest in startups through crowdinvesting platforms. Organizations take money from investors, transfer it to a growing business, and after some time distribute the interest received from it to investors.

Important: the crowdinvesting platform from Sberbank, SberCredo, has recently opened. It is definitely worth including in the list of platforms you can trust.

You can invest 50,000 rubles in 9 companies. Most of them have negative reviews.

Only 4 deserve attention:

• City of Money;
• Penenza;
• Stream Digital (Alpha Stream);
• SberCredo.

They differ in several respects:

1. Diversification approach. In the City of Money, SberCredo and Penenza, investors manually choose who to give a loan to. Alfa Stream does this on its own: it forms a portfolio of 20-30 companies and evenly distributes the investor’s funds between them.
2. Average profit. In Penenza, most investors earn from 17 to 35% per annum, in SberCredo from 16 to 22%, and in Alfa Stream 17.3%. Users of the City of Money platform receive about 20% for the same period.
3. Minimum investment amount. Penenza - 5,000 rubles, Alfa-Potok and SberCredo - 10,000, City of Money - 50,000.

Investors can choose any company, but it would be preferable to distribute funds among three: Penenza, SberCredo and Alfa-Stream. There will not be enough money for a loan on the City of Money platform.

The expected average profit is 20.76%. If you invest 50,000 rubles in startups, you will receive 10,380 rubles in net profit in 1 year.

Where to invest 1000 rubles to earn money - investment in development

8 out of 10 people stop systematically developing after graduating from university or school. They mistakenly believe that knowledge is enough. Going to work for 40 years with meager wages and receiving a pension is easy.

Self-development is the desire for change. If you don’t like your job, learn a new specialty in any educational institution in a few years. You can't do something uninteresting all your life .

Knowing English increases the likelihood of finding a good job and allows you to travel comfortably. There are also numerous free services for remote learning of a foreign language. The advantages of paid offline courses are a clear explanation of new material and instant correction of errors.

An interesting investment option starting from 1000 rubles are trainings, seminars and webinars. Any topic: from issues related to work matters to the study of oratory, proper management of money and embroidery.

Investing a thousand rubles in self-development is work for the future . New knowledge allows you to improve your personal qualities and financial situation.

Option 8. Bank deposit

Banks are suitable for those who prefer low-risk investments. The investor's profit is specified in the contract, its amount is known in advance. The money is insured by the state, which is something that no other financial instrument can boast of.

Security fee is low interest. Returns on deposits barely keep up with inflation. The Bank of Russia's inflation forecast for 2019 is 5%, and the average rate on ruble deposits is 7%. The investor will begin to receive tangible profits only after 10-15 years.

1) Ruble deposit

To maximize profits, the deposit must include monthly interest payments and their subsequent capitalization. The most favorable interest rate under such conditions is offered by the Ural Bank for Reconstruction and Development - 7.62%.

We will calculate the profitability based on this rate:

Over 10 years, the initial deposit amount will increase by 113.73%, and over 20 years by 356.85%. The math is impressive, but don't forget about inflation.

Over the past 10 years, the ruble has depreciated by more than 90% . The investor's possible profit should be reduced by the same amount. It turns out that the real income will be only 23.73%, or a little more than 2.3% per year.

2) Currency deposit

Banks allow you to create a deposit in dollars or euros. Less popular currencies are also found, but very rarely.

The main feature of foreign currency deposits is that income is affected by fluctuations in currency rates. The investor can either receive additional profits or losses. Russian investors should not worry too much about this: in the long term, the currency always strengthens.

The reasons for strengthening are:

1. Low inflation in Western countries. The dollar is depreciating 3 times slower than the Russian ruble. The US government maintains inflation at 2%. In the Eurozone, the inflation rate is even lower, it does not even reach 1%.
2. Instability of the Russian economy . The ruble depends entirely on oil and gas prices. In addition, our country is subject to sanctions, which discourages foreign investors and hinders development.

50,000 rubles - 747 dollars . The highest interest rate on deposits with monthly capitalization is from the same Ural Bank for Reconstruction and Development - 2.22%.

In percentage terms, the return over 20 years will be only 35.82%. But it is worth considering the fact that during this period the ruble became 2 times cheaper. Over the long term, dollar deposits showed much greater profits than ruble deposits.

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.

Option 9. Cryptocurrency

Cryptocurrency is a volatile asset. Its price can change by tens of percent within a day, which attracts everyone’s attention to the coins.

Let's look at two ways to make money on cryptocurrency:

• mining;
• investment.

Mining is not suitable for people with small capital. 50,000 rubles is enough to create a simple mining farm from a video card, but its daily income will be measured in tens of cents, and the payback will exceed 3 years.

Investing is a more interesting option. Due to high volatility, you can multiply your initial capital several times in a short period of time.

To reduce the risk of capital loss, it is necessary to create a competent investment portfolio. 50 thousand is a relatively small amount, it’s not worth spreading it over hundreds of assets, it’s enough to buy 5-6 types of coins.

The portfolio should include:

1. Old, proven coins (30%) . The best choice is Bitcoin. He was and remains the leader of the cryptocurrency market. Bitcoin dominance according to coinmarketcap reaches 70%.
2. Cryptocurrencies that have become the basis for the development of new applications (20%) . It's worth stopping at Ethereum. This is the second largest cryptocurrency in the world by capitalization, whose team is constantly working on its development.
3. Coins that generate passive income (20%) . One of these is NEO. For storing it in your portfolio you will receive GAS tokens.
4. Stablecoins (10% ) Cryptocurrencies whose exchange rates are tied to fiat money. The most popular is Tether USD. They are needed to protect the portfolio. During a bear market, all funds are transferred to them, which avoids unnecessary losses.
5. Coins with increased privacy (10%) . An example is Monero. The cryptocurrency industry is moving away from its original idea of ​​anonymous payments. There are fewer and fewer coins that provide data protection to their users, so they will not lose their relevance.
6. Crypto exchange tokens (10%) . In addition to the fact that these tokens are constantly increasing in price, they provide a discount on trading fees. The most popular coin of this type is Binance Coin.

A typical cryptocurrency investor's portfolio should look like this:

Prices are current as of 09/04/2019*

Investing in ICO and IPO

An initial public offering always has a lot of advantages - both in cryptocurrency and in ordinary shares.

The most interesting thing about such investments is the potential profitability, which is measured in hundreds or even thousands of percent. All you need is to monitor the initial offerings (for cryptocurrencies this is ICO, and for shares - IPO) that are planned, look for information about the project, and try to objectively assess the potential from the description. You don’t even have to invest a thousand rubles all at once, but scatter them among different ones, if possible.

Pros:

1. Great opportunities . At the start, coins cost pennies, but as the project develops, they greatly increase in price.
2. With an IPO, the income potential is less, but it is reliable , after all, these are securities.

Minuses:

1. The main disadvantage is the possibility of being left without an investment at all, especially if you invest in one single coin.
2. There are some difficulties with exchanging for fiat money. Some time passes before the commissions become adequate and you can safely sell the purchased coins without losing up to 30% on commissions and a bad exchange rate.

Option 10. Own business

Your own business is one of the best investments. With enough diligence, you will be able to increase your initial capital many times over. The number of business ideas is incalculable; everyone can find something to their liking.

Important: business is a risky endeavor. According to statistics, only 2-3 entrepreneurs out of 10 managed to develop their business and achieve a stable profit.

The main thing for an entrepreneur is to find the right niche. You can invest 50,000 rubles in an online store, a service company, or start a small production:

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!

What else is available?

The list of available tools cannot be completed here. Because if you go beyond the territory of exchange platforms, you can actually find crowdinvesting services that allow you to invest a small amount and at the same time finance a business or a specific startup.

Difficulties may arise in finding more reliable options with stable profitability and a minimum threshold suitable for us. For example, you can pay attention to Sbercredit, but here rates start from 5 thousand, Alpha Stream requires a minimum of 10 thousand rubles. Perhaps, if you spend time and follow this direction, you can actually grab a good option.

It is important to understand that this area has its pros/cons; in particular, you need to remember about the high risks. But, if you wish, you can try this tool with a minimum threshold.