Where to invest money in 2021 - 2021 without risk (20 reliable and proven ideas)

Passive income is always appropriate: most Russians add it to their salary in order to live a better and brighter life, or save it for a rainy day. And if the additional income is significant, you can quit your job altogether - this is what successful investors do over time. But how can you organize extra budget revenues? In this article, Bankiros.ru tells you where to invest money to receive monthly income.

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The main rules for a profitable investment

To receive income from investing capital, follow several rules:

1. Don't invest with borrowed funds.
2. Invest only free money . Do not use amounts intended to pay for utilities, treatment, education, or current expenses for maintaining a family for investment.
3. The profitability of the proposal is half the success; carefully study the obvious and hidden risks of the chosen investment scheme. Do not get involved in programs that offer significantly more than others similar to it on the market. In such situations, the probability of losing everything is much greater than receiving the promised income.
4. Diversify your investment portfolio . In simple words, this means - distribute your own capital into programs of different profitability and risks. Allocate a certain amount of money to high-yield instruments and strategies, and another to less low-risk investments. This approach, in the event of failure of one of the directions, will allow you to save the remaining funds, and not lose everything at once.

The main conditions by which each investment strategy is assessed:

• profitability;
• minimum amount to start investing;
• risk;
• payback period of the investment.

To create your own profitable investment plan for investing your money, diversify your portfolio. We will consider the TOP 10 profitable options for investing money with monthly or future income in 2021 below.

Certificates of deposit

Certificates of deposit are similar to deposits, but unlike the latter, they are financial instruments rather than deposits. This means that the certificate can be bought or sold on the financial market. An investor can sell a security in a relatively short time and return his capital with a certain level of income.

Certificates of deposit are available only to legal entities. They allow their owner to receive a fixed profit upon completion of the paper's circulation period. There are also instruments with the possibility of early repayment.

The disadvantage of such a security is the lack of capitalization of interest and the impossibility of replenishment. Unlike deposits, certificates are not protected by the Deposit Insurance Agency.

Bank deposits

The most famous way of passive income is a bank deposit. Read about how this works and which option to choose in a separate article. But let’s repeat a reminder about what to pay attention to:

1. The deposit amount in one bank that participates in the insurance system is no more than 1.4 million rubles. If there is more money, then it is better to distribute it among several banks. Check the information about the participation of the company with which you will be making a deposit in advance on the SSV website.
2. Study additional terms and conditions for deposits. Is there a preferential option for early termination of the contract, the ability to replenish or partially withdraw money?
3. A bank deposit is a democratic investment option. You can start with 1000 rubles.
4. Most banks offer the opportunity to make a deposit online in your personal account without additional visits to the office, which increases their popularity.

The most significant disadvantage of the deposit is the low interest rates of 5-7% per annum, that is, about 0.5% per month. From a deposit of 100,000 rubles at 6% per annum with monthly interest withdrawals, you will receive 500 rubles per month. Rates on foreign currency deposits are even lower, so they may not be profitable for investing.

This option is suitable if:

1. Minimum risk is the main goal. Make a deposit in a large bank, the likelihood of license revocation is minimal. For example, Sberbank, Tinkoff, Alfa-Bank, Gazprombank, other leaders or systemically important banks of the Russian Federation.
2. The company is pursuing an adequate policy taking into account the key rate of the Central Bank of the Russian Federation. That is, the bank does not increase the rate compared to the key rate, but also does not lower the interest rate below the market average.
3. The main goal is not so much to increase funds as to preserve them and protect them from inflation.

For those who like to count and manage a budget rationally, another scheme will be interesting. It is somewhat similar to a traditional deposit, but it is a different banking product. We are talking about savings accounts or debit cards with a high interest rate on the balance in the account. Such bank programs can be much more profitable than deposits, but at the same time the money is up to 1.4 million rubles. are also protected by the insurance system.

Bookmakers

Sports betting is a real source of additional profit. One successful bet can immediately double your deposit. However, the risk of being left with nothing is also extremely high. Therefore, this option is suitable for those who are well versed in sports or are ready to learn new skills in an unfamiliar area.

Betting allows you to work with small amounts

It is absolutely not necessary to risk a large amount; you can invest 100 rubles and earn money by correctly predicting the outcome of the match of your favorite football team. You can consider investing in sports as a stable source of passive income:

Helpful tips for beginners:

• Focus on ordinary bets; express bets are too risky.
• Study statistics, analytics, news, and only then choose the outcome.
• Use additional types of bets: handicap, total, results without a draw.
• Having dispersed your deposit, do not bet all your money on one outcome, try to invest the available amount, using all available opportunities.
• Deal only with licensed bookmakers who pay.

A pleasant bonus is the fact that today journalists and commentators are actively interested in sports betting. They share their predictions on various sites that keep their statistics. Therefore, theoretically, you can earn money even without any special knowledge of sports.

Real estate

Real estate as an investment object is a popular and sought-after method. An undeniable plus is that the apartment or house is the property of the investor; it can be rented out or sold at any time.

Advantages	Flaws
High liquidity of real estate. Despite periods of recession, housing is always in demand, especially in large cities.	Large costs at the first stage. If the living space was not inherited or given as a gift, you will need to buy it first.
There is minimal risk if you work through a real estate agency and conduct a preliminary legal check of the property.	You will still have to study the basic rules of supply, demand, periods of market decline and growth. Otherwise, you can get burned big time.
No special skills are required to manage such an asset.	When renting out your home, you will have to monitor the condition of the property and carry out repairs yourself. If there are a lot of rental properties, then this turns into work, which requires a lot of effort and ceases to be passive income.

Real estate investment options:

1. Purchase of old living space, renovation and sale . Suitable for megacities and large cities. Allows you to earn from 20 to 35% per annual turnover.
2. Purchasing an apartment in a multi-storey building at the excavation stage , with subsequent sale after completion of construction. Allows you to get from 100 to 250% profit, investment period from 4 to 7 years. In addition, there is a risk of construction being suspended, the developer going bankrupt, or the project turning into a long-term construction project.
3. Purchasing housing for the purpose of renting it out . Allows you to receive passive income of 6-10% per year for a long time. If you independently search for tenants and carry out repairs after a change of tenants, then this type of investment can become time-consuming.
4. Building a house for sale or rent is the most difficult type of investment in this area. You need knowledge in several areas or the involvement of experts - to select a site, connect communications, and prepare documents. When building near a metropolis, you can get up to 100-200% profit. Investment period is at least 3-5 years. The risks are similar to the second option.

A stable monthly income will only come from renting an apartment or house; other options are not suitable.

Automobile

To obtain monthly passive income, not only housing, which is in great demand among tenants, is suitable, but also a car. Personal cars are actively donated to the following services:

• Taxi;
• delivery;
• carsharing - a service for providing cars with per-minute payment in a geographical accessibility area;
• cargo transportation, if you have a suitable type of transport.

This type is suitable for owners of several cars that are not used or were purchased for rental. The disadvantage is that considerable funds are required for the initial purchase of vehicles. In addition, when renting, in some cases it is difficult to verify the tenant, especially if there is no formal contract. Another disadvantage is that the car wears out and loses its original value, and it also needs to be regularly repaired and maintained.

Stocks, bonds and currencies

Investing money to generate income from securities is carried out according to two schemes:

1. Individual investment account (IIA). You can conduct transactions with assets yourself or entrust this to a Management Company (MC), which will handle all operations on the stock exchanges on your behalf.
2. Trading on the stock exchange . In this case, your profit is based on the difference in price between the purchase and sale of the asset.

Bonds

The most stable and low-risk way to invest capital in this investment option is bonds from the state or large corporations. Reliability is high, like that of a bank deposit, but the profit is higher - up to 9-15% per annum. If you find more “profitable” offers of 18-25%, then you should not give in to temptation, most likely there is a high proportion of hidden risk. Know that when you apply for and return a tax deduction of 13% and work with IIS for longer than 3 years, you will automatically increase the profitability of investing in IIS.

Investments in bonds are suitable even with a small amount of free money, because the entry threshold is 10,000 rubles and above. Even with a small initial capital, you can begin to master trading in the stock markets. In addition, this is the most secure and safe option that beginners should start with.

To receive monthly stable income, buy several different types of bonds with different payment periods, then the flow will be continuous. For example, on government bonds, income is received once every six months. For a number of corporate bonds - once a quarter or month.

Coupons, or in other words, income on bonds are paid once a year, half a year, quarterly or monthly. If you need income every month, carefully draw up an investment strategy before you start investing

Promotions and participation in trading

Company shares are a riskier investment option for the inexperienced trader than bonds. At the initial stage, only shares of well-known Russian brands are suitable. To invest in international assets like Apple, you will need to obtain financier status and open an account with a balance of at least 6 million rubles.

However, you can earn from 6 to 10% on dividend shares, if, for example, judging by the payments of such companies as Surgutneft, M-video or MTS. In addition, if the company's profits grow, so do your dividends. Although in the short term the price of shares can fall by two or three times. It will be difficult for an inexperienced investor to understand at the initial stage when to make a transaction and not panic during any market fluctuations.

The main disadvantage of this type of investment is the lack of stability in income. The highest dividend payments from companies occur in the second quarter. And the payment period is not monthly, but once every six months. In addition, market instability can lead to a sharp drop in stock prices, which will lead to an untimely sale of the asset and a resulting loss on the investment. It is better to consider stocks as a long-term investment option aimed at long-term profits. Securities of large and simultaneously growing companies are suitable for this.

trading on the stock exchange is accessible to everyone, successful investing here will also require special knowledge. Most brokers offer novice investors paid or free training. To enter the market you will need to open a brokerage account. The minimum amount for entry is 500 rubles. But to get a tangible profit, you will need to put into circulation at least 100 thousand rubles. This is a riskier way to make money on your own capital, but also with greater profit.

The expected return in this sector is 25-50% per annum. Even if you follow a conservative strategy, you can get up to 30% profit. But it is important to undergo training, make decisions without emotions and based on sober calculations.

Russian stock market

Trading on foreign platforms will require capital in the amount of several thousand dollars, but the Moscow Exchange provides the opportunity to earn money with minimal investment. The main thing is to choose a brokerage company with appropriate conditions. Where can you invest 100 rubles? The choice of instrument is determined in accordance with a wide range of criteria, but it is better to focus on 2-3 tier shares or derivative instruments - futures, options.

Choose a strategy depending on the market: bearish or bullish trend

Some useful tips for beginners:

• Learn the basics of technical and fundamental analysis.
• Choose a broker with conditions suitable for a novice trader.
• Work clearly in accordance with the chosen strategy.
• Keep records, for example, a trader's diary.
• Constantly monitor macroeconomic statistics.

A deposit of 100 rubles is a unique opportunity to evaluate your skills against the backdrop of the real market. Of course, the trader will gain invaluable experience.

Projects in which you can invest 100 rubles:

8bit.ltd - review of 8 bit ltd and review of the project with daily earnings from 0.5%

Solidtradebank.com – investment platform with a yield of 0.2% per day

Super Kopilka: StopScam from the Super Kopilka service: not recommended

Investments in mutual funds

A fairly common method of investing, which has been gaining particular popularity in Russia over the last 3 years. The main advantage is that you can completely entrust management and not waste time and effort on studying the principles of operation of stock exchanges. Investment objects are the assets listed in the previous paragraph - stocks, bonds, securities, as well as real estate and precious metals. But the strategy and placement are handled by the Management Company (MC), which buys mutual investment funds on your behalf - mutual funds.

There are several types of mutual funds available:

• venture;
• mortgage;
• rental and others.

Most often, mutual funds are ready-made diversified portfolios with different percentages of profitability and share of risk. At the same time, it is recommended to invest in stock mutual funds for at least 3 years, and in bond mutual funds for at least a year. The initial investment amount is from 1,000 to 15,000 rubles. Increase in asset value by 15-40% of the amount. The main risk is that the management company may also operate at a loss, so in the end the share will cost less than at the investment stage. But compared to independent trading on the stock exchange without knowledge and experience, this risk is several times less.

You can receive monthly income only if you invest simultaneously in several different mutual funds with different payout dates.

Precious metals

Another common way to invest money is to buy precious metals. These include palladium, platinum, gold and silver. Choose this method of investing if you want to make a profit in the future.

Investments in precious metals are long-term. It is also important to note that if you have owned precious metals for less than 3 years and sell them, the gain will be taxable. If the assets are owned for more than three years, there is no need to declare profits and pay personal income tax.

You can also open an impersonal metal account. In this case, there is no need to buy precious metals. The investor deposits a certain amount into the account. It is converted to grams. You are not trading precious metals, so you are not required to pay income taxes. The profitability of investments is directly related to the increase in the cost of precious metals.

Investments in precious metals and jewelry

Investments in precious metals and jewelry are considered promising investments, but not on a short-term basis. It is not possible to get a high monthly income in this sector.

Advantages	Flaws
You can invest in metals in different ways - bars, coins, an impersonal metal account (UMA) and even ready-made jewelry.	Access to passive savings is provided only by compulsory medical insurance, in other options there is a permanent income. There will be profit, but only in the delayed future.
All investment options in precious metals, except compulsory medical insurance, allow you to obtain a certain part of the metal for personal ownership.	All transactions with precious metals should be carried out only through banks and trusted exchanges, otherwise there is a risk of contacting scammers.
Reserves of precious metals in the bowels of the earth are depleting, which means that their prices will certainly rise.	Without carefully studying the market and drawing up a strategy, it is difficult to make a lot of money on precious metals.

Investing in gold, silver or platinum is not very effective for making quick money. Also investing in jewelry. For them to increase in price, you will need to initially buy an expensive vintage item, which will become even more expensive over the years. Therefore, the strategy is suitable for diversification in favor of heirs rather than oneself.

An area close to precious metals is investing in art objects. Be careful when making this investment. Here it is very easy to become a victim of scammers and be left without money, but with “exclusive” rubbish. Only experts and very rich people who are not afraid of losing money for the sake of aesthetic tastes and the illusory prospect of an increase in the price of a masterpiece can invest in this segment. This option is not suitable for monthly income.

Hype projects

A HYIP project is the optimal platform for small investments. The highest monetary return is typical for highly profitable projects. Unfortunately, they have one significant drawback - a limited “life span”. Therefore, it is extremely important to be one of the first to invest in the hype. To invest 100 rubles for 24 hours and receive income, follow a few tips.

Be careful when choosing a HYIP platform

Tips for Newbies:

• Choose a project with favorable tariff plans in which you want to invest.
• Evaluate the hype legend and the scale of the advertising campaign.
• Read user reviews on independent resources.
• Analyze the official website.
• Track the real launch date of the project.

HYIPs that have self-written scripts and sites with excellent usability last the longest . Therefore, it is necessary to choose just such a site.

Investing in microfinance organizations

Investing in microfinance organizations was discussed in detail in another material from the Brobank service. It describes in detail the scheme and methods for implementing a profitable investment of a large amount of money. But let us repeat the main points, limitations, as well as the pros and cons of this type of passive income:

Advantages	Flaws
High interest rates on investments ranging from 12 to 25%. The rate depends on the term and individual conditions of the MFO.	Invested funds are not insured, so if an MFO goes bankrupt, it is difficult for the investor to return the investment without going to court.
The ability to independently choose how long to invest and how often to receive interest. You can choose a monthly payment, semi-annually, annually, with or without interest capitalization.	If the terms of the contract do not stipulate the conditions for early termination, then the microfinance organizations will not release the funds before the end of the term. Or they will only return the amount that exceeds the amount of 1.5 million rubles.
An absolutely passive type of income that does not require investor participation.	High entry threshold - from 1.5 million rubles for one individual.
The ability to choose a short-term investment program and withdraw all your money after the end of the term.	The risk of investing money in an unreliable microloan company. But this can be easily avoided if you carefully study the information on how to check microfinance organizations and identify those whose licenses have been revoked.

In addition, income received from investing in microfinance organizations is subject to taxation. If the microloan company does not automatically send 13% when paying interest, then you will need to independently submit a declaration to the Federal Tax Service and pay personal income tax.

This option is suitable if:

• the amount of free money is more than 1.5 million rubles;
• passive income without the participation of the investor is the main goal;
• there is no time or desire to study a lot of additional information on risks and asset management.

To minimize risks, invest in well-known MFCs, such as MoneyMen, Zaimer, MigCredit or Bystrodengi, which have been operating in the market for a long time and have a strong position. But in any case, study the current situation in the company before investing: rating, news in the media and the validity period of the Bank of Russia license.

Bonus: 7 Investment Tips from Robert Kiyosaki

Robert Kiyosaki is a brilliant investor who has a fortune and has written more than one book on the topic of investment. His recommendations have helped many investors become rich.

If you want to be rich, make your money work for you.

Rich people never work for a specific monthly salary. They do everything to ensure that their money brings them income, without their own participation.

• Turn regular income into passive income.

Even a businessman who devotes daily time to his brainchild, according to Kiyosaki, cannot be considered a truly rich person. Only those who do nothing to generate income are rich. Capital accumulates without his active participation.

• Don't be afraid to take risks! This is the only way to find worthwhile investment deals.

Despite the fact that the risks must be thought out, there is a percentage of luck in every such undertaking. If you only use risk-free investments, capital will accumulate very slowly. You won’t be able to become rich this way; investments without risk never bring large capital.

• Be prepared for anything.

You can hope for luck, but you cannot be sure of the outcome of the matter. There is some risk in any investment. And if a mistake occurs, it will be an experience that will make it much easier in the future.

• Financial literacy is your #1 asset.

You cannot become a successful investor without at least learning the basics of the issue. And in the future, everything will depend on calculations and forecasts, which can only be compiled correctly if you understand the matter.

• Remember the differences between assets and liabilities.

Assets are those instruments that bring constant income to their owner. Liabilities are something that, on the contrary, constantly requires costs and does not generate income.

• The rule of rich people is to create assets, only then acquire luxury goods.

The mistake of most investors at the first positive results is to invest not in assets and get even richer, but to buy liabilities - a house, an expensive car. Reinvestment, in turn, will help the investor become even richer. Only with a sufficient number of assets that regularly generate high income can you purchase luxury goods.

Participation in private lending

If you have a sufficient amount of free money, then you can use it for private lending. In this case, loans are issued and issued online on special exchanges or electronic money systems. For example, this is how lending through WebMoney works. Whether to lend or not - each lender decides independently. Short-term lending from a few days to a couple of months. You can also find offers up to a year, but they are not very popular with either borrowers or lenders. Interest rates from 70 to 100% per annum.

This method is suitable for active users. If you choose this investment method, first study the useful information. For example, about how to identify an unscrupulous borrower, as well as what signs of an account or behavior should be monitored before lending. But even such information and positive experience at the initial stage will not protect against possible risks in each individual lending case.

In most cases, a private lender does not even know the passport details of the person who is lending. Therefore, the main rule works: the higher the profitability, the higher the risk. Think about how much of your savings you are really willing to lose without significant damage to your investment portfolio, and only then lend.

Business investing

Not all businessmen can invest their own money in the business, so they attract investors. In order to become a successful investor of your free capital and not go broke, you will need to simultaneously fulfill two conditions - luck and the ability to choose a startup. If it is difficult to influence the first, then you can try the second. Invest money if:

• the strategy is clear and familiar to the target audience;
• demand for the product has been identified and a viable business model has been developed;
• You have extensive experience in auditing and financial consulting, or you have an expert who has deep knowledge of this area.

In the future, you can achieve passive income and, over time, receive monthly profits from it, but this will not happen immediately. Only if you become an investor in an already operating business, money will arrive regularly after a short period.

The main disadvantage of this method is that only really large investments can provide tangible profits. We are talking about amounts of more than 1-2 million rubles. In addition, it is difficult to objectively assess risks in this area, especially without special knowledge and experience.

You can often hear advice that it is best to invest money in projects of friends or good acquaintances. But the optimism and enthusiasm of a loved one can reduce your objectivity. Excessive emotionality and the desire to help in the implementation of the project will lead to an incorrect assessment of risks and can cause large financial losses.

Where not to invest money

This is a very important question, since beginners often make annoying mistakes, being tempted by tempting offers and losing all their capital. Moreover, scammers are constantly honing their skills, thinking up new schemes for taking money from gullible citizens. And in times of crisis, their tools only expand.

Pyramid schemes are something every investor should avoid. Many modern pyramid schemes successfully disguise themselves as serious brokerage companies, but they still show some signs:

• promises of quick and high profits of 400-600% per annum - this is simply economically impossible;
• aggressive advertising campaign - stars, bloggers and other famous personalities can take part in such videos for money or simply be deceived, so you should not trust advertising;
• a detailed “story” - usually the managers of such companies are highly skilled in oratory and will skillfully present you with exactly what you need to create a favorable impression of the project.

It is also worth avoiding casinos and offices where they place bets on sports. Receiving money in this area is a happy occasion. More than 95% of investors lose completely or receive minimal income that cannot be compared with the size of the investment.

Trainings aimed at launching a business with instant payback will also be a waste of money. Such courses are in great demand online and always turn out to be a scam. The newly-minted “trainers” promise listeners that after completing the course, they will be able to receive millions literally with one lift of a finger. Naturally, only the pseudo-teachers themselves get rich from such projects. Therefore, it is worth distinguishing between a real training course with specific knowledge and vague and colorful promises of success and wealth.

Investments in vending

One of the most attractive, but also costly types of investment at the initial stage is vending. This term refers to any transaction performed by a vending machine on a paid basis - a package of chips, a chocolate bar, coffee or topping up a mobile phone balance. The need for vending machines is constantly growing, and the method is especially beneficial in the financial services industry. You don’t have to deal with financial transactions—accepting payments, transfers—but trade in piece goods.

The project can be either a start-up or an addition to an existing business. There will be passive income only if you only invest in it, as in the previous option. If you engage in vending yourself, there will be additional costs for servicing terminals, purchasing assortment and other related expenses. This type of investment is profitable and brings a stable monthly income, but under one condition that the business works smoothly and efficiently.

A similar example of earning money in one of the developing areas is given to make it clear that there is somewhere to invest, but it is better not to do this without a strategy.

Summary

The main advice for diversifying an investment portfolio is as follows:

• Focus 50% on conservative strategies - bonds, deposits, individual investment insurance, real estate, compulsory medical insurance;
• Place 30% of your capital in options with an average level of risk - trading, business, stocks, brokerage accounts.
• and allocate no more than 20% of your free capital to strategies with increased risk, but with a return of no higher than 50%; anything higher can be a financial pyramid or fraud.

Whether you follow such recommendations or not is up to you to decide. When investing in high-risk instruments, remember not to invest more than you are willing to lose without harming your other instruments.

about the author

Klavdiya Treskova - higher education with qualification “Economist”, with specializations “Economics and Management” and “Computer Technologies” at PSU. She worked in a bank in positions from operator to acting. Head of the Department for servicing private and corporate clients. Every year she successfully passed certifications, education and training in banking services. Total work experience in the bank is more than 15 years. [email protected]

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Author of the article: Klavdiya Treskova

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