• What are the advantages of investing capital in business activities.
• What methods of cash investment in business exist.
• How to invest in startups and modern technologies.
• How to invest in small business activities.
• With the help of which risks are minimized when investing in business.

Your money does not bring any benefit if they lie idle. One of the best ways to realize capital is to invest in business. We suggest to figure out how to make money on business.

5 promising ideas of investment in small business

Reasonable alternative - investing cash in small businesses. We offer to familiarize yourself with 5 directions that are distinguished by high profitability:

1. Education to the use of computer equipment. More and more people are aware of the importance of such a skill as a confident handling of a computer. A good idea will be in developing and promoting programs that are focused on learning people to programming and other works on the PC.
2. Professional project testing. Services of such a plan make it possible to learn about errors and weak places of the project, and fix them before launch. This allows the developer to produce only completely ready-made products or services to the market, so this direction is in demand.
3. Outsourcing - Order of business processes to external performers. Outsourcing services are popular not only among individual entrepreneurs, but also large companies and corporations. The investment in outsourcing activities will definitely bring their fruits in the form of profits.
4. Recycling of waste of different class. Due to the increase in the number of major cities and the development of the industry, the problem of timely disposal of waste has become popular more than ever. For the reason, investment in waste recycling brings massive income in the near future.
5. Content translation. Such a service is in demand for the reason that many sites are used to host translated information taken from foreign sources. Many experts in the field of startups are confident that the contentual translation services deserve investors' attention.

How to minimize risks in investing

Investing cash in any business direction always associated with certain risk. These include legal, financial, organizational and economic hazards. It is important not only to understand how specifically the risks will have to face when investing in a certain sphere, but also know how to minimize the risks and the consequences of their manifestation. In this case, it is worth relying on the following recommendations:

• Before investment, it is necessary to assess the prospects and efficiency of the project.. If there is no experience in the fulfillment of this operation, you should entrust the analysis of the project's prospects to specialists.
• It is important to calculate the return on the project and the likelihood that he will "shoot." To do this, it will be necessary to analyze a large number of source information, including the conditions for implementing the project.
• Before investing in a business, you need to carefully examine the business plan. With suspicion, it is necessary to refer to business plans in which an overly large profit is promised for the sphere, and risks are not spelled out.
• An adequate solution will personally visit the enterprise in which money is planned. During the personal visit you can get a certain impression. It will help make the right choice.

One of the main ways to minimize risks when investing money in a business is the choice of the sphere in which the investor has at least the initial representation. Alternative - Cooperation with masters who understand the investor supported by the Investor.

Conclusions for investment

It can be said that investing funds in an already working or opening business is an optimal alternative to conducting his own business. It is necessary to choose the properly choose a profitable direction, carefully examine the work of the selected company, analyze the prospects in detail. It is also recommended to enlist the support of masters in the selected business field.

Hello, dear readers of the Financial Journal "Site"! Today we will talk about investments in business, startups and other business projects, where and in which areas of business it is better to invest.

After reading this publication, you will learn:

• It should be investing in business - the main advantages and disadvantages;
• What types and ways of investing in business exist;
• What directions this year for investment in startups in Russia is better to choose;
• What are the risks of such an investment and how they can be reduced.

At the end of the article, you will find answers to frequently asked questions about investments in business.

Publication will cause interest in all who are worried about the problems of investing in business. It will be useful both beginners and those who already have experience of such investments.

What is the main advantages (+) and cons (-) investment in business, what types and ways of investing in business projects exist, what are the risks when investing in startups - about it and not only read further

Business investments are able to ensure a comfortable existence of an investor. Such investments allow you to receive. This activity that, with its competent conduct, requires minimal investment, but it provides stable profits.

Most citizens living in the territory of the former Soviet Union, a misconception of long-term investments that can provide a stable income. They believe that only those who initially own can become an investor significant capital defined by talents and luck. In addition, our citizens are confident that invest in business risky, especially with the current crisis situation today.

Eventually Most of our compatriots do not take any steps to increase welfare. They only dream of getting big money, applying a minimum effort.

In fact, the chance to become financially independent ease has each. To do this, it is enough to change your thinking in the root, switch to the financial area, stop working on others and start working on yourself.

Investing in the development of own business Allow not only to get an income that practically does not depend on the time and strength spent on it, but also to gain confidence in the future. Moreover, high-quality investments make it even seemingly unrealistic ideas and plans.

At the same time, in the modern world, even those who have no big capital can start working on themselves. Moreover, economic Education at the Original Stage not requiredAfter all, in the modern world you can find a huge number of areas for business development that are not related to the economy.

2. Advantages and disadvantages of investment in business 📑

The investment process is always accompanied by risk. Investments in business in this sense are no exception. As in any other activity, these investments have their advantages and disadvantages.

2.1. Pros (+) Business Investments

Among the main advantages that makes the investment of financial capital in a business, you can select the following:

1. Investor gets the opportunity to influence the activities of the organization , as well as on decisions taken by management. Sometimes it is an investor that goes the management of the company. In this case, competent management allows you to develop a business, increase its profitability. Ultimately, the level of profitability of invested funds is increasing.
2. Investments in business are distinguished by a wide selection of forms and directions for investing. Investing funds can be in the company engaged in the production of goods that provide any services - the choice here is really huge.
3. The ability to become an investor in the presence of small capital . At the initial stage, it is not necessary to invest a huge amount of money. It is enough to purchase a small part of the company. In the event of successful investments, you can subsequently buy shares belonging to other persons.
4. If investing in business is treated as a passive income activity, they are distinguished simplicity and accessb. From the investor will not need to have a baggage of any knowledge.
5. Investing in business - one of the few kinds of investmentsin which assets have a real form. The result of investment activities can be seen in the company's assets.
6. Investing money in entrepreneurship The investor can choose a company operating in the sphere that he is most interesting and familiar.
7. Income with such investments in the long term is not limited. With the right business and the achievement of the company of leading positions, there are all chances to achieve a monthly profit at a level significantly exceeding 100%. Over time, the better the company in which funds are invested, the higher the income level of the investor.

2.2. Cons (-) investment in business

Despite the significant number of advantages in business, there is a kind of investment and a number of flaws:

1. Investments in business are accompanied by a high risk of loss of funds . With incorrect approach to attachment, it is possible to lose not only parts, but also invested capital.
2. Legislative restrictions . Some types of entrepreneurship are significantly limited to legislative acts controlling and other government agencies. Corruption is quite strongly developed in our country, so this deficiency is important to take into account.
3. Unexpected development of events . Not always entrepreneurial activity is moving precisely in the direction in which the owners and investors are planning. There is a risk of an unexpected occurrence of such events that will make investments ineffective.
4. In the case of equity investing in business there is a possibility of disagreements. If there is a conflict between investors, and they will not be able to negotiate, one of them can make decisions to get out of the business, having taken their funds. It will inevitably affect the profitability of the project.
5. If you use an active investment option, you will need some knowledge and experience.. In this case, the investor will have the opportunity to maximize the possible income.
6. Return from investment in business is often unstable. Profit in different periods of time can be very different, changing influenced by a huge number of factors. With absolutely the same initial conditions, various firms can bring a different income to the investor. By investing money in business, you have to constantly study the market and adjust to it. Only so you can get the greatest profit.
7. Often additional cash contributions are required.. If you do not invest additional money in business at a certain point, you can get a significant decrease in the yield of previous investments.
8. Profit will not come immediately. Since attachments in startups are long-term, it will only get an income after a sufficiently long period of time.

Thus, investing cash in business has its advantages and disadvantages. It is important to remember them and take into account in the process of investments.

Division investment in business

3. Classification of investment in business and their types 📊

Despite the fact that investing in business seem fairly simple, they are very diverse, each type has its own nuances. Therefore, it is important to classify them.

You can do this in several signs:

Sign 1. Ownership

The right of ownership distinguish investments in their own and in someone else's business.

If the investor at the initial stage has sufficient capital, as well as knowledge, experience, and he wants to work on herself, you can invest in creating your own business. Many investors consider this option most interesting.

The advantages of this type of investment are:

• the ability to be implemented;
• maximum profitability of investments.

There is an investment in your own business and disadvantages.

Among them you can select the following:

• high level of risk, as it is not easy to predict the development of events when creating a business;
• the need to have certain knowledge and skills;
• not only material investments will be required, but also considerable time and strength costs;
• great initial contribution.

As for investment in someone else's entrepreneurship, this method is much easier. In this case, it is not necessary to personally engage in various organizational moments. After investing money, experts themselves will be engaged in the project: to implement and unwind it.

Sign 2. In terms of investments

You can classify investments in business and in terms of volume (share) of investments.

In this case, allocate:

1. Full financing activities. In this case, the financial load fully falls on one investor. Such an investment is most often found in the event of our own business.
2. Partial financingwhich can also be called shared participation. At the same time, funds received from investors make up only part of the capital of the firm formed.

Sign 3. According to the investment stage

You can classify investments in the business and on what moment the investment is carried out:

1. Investing in startups are carried out at the very beginning of creating activities. In this case, there is an idea, the development of which is planned to be carried out using the funds attracted from investors.
2. Investments in existing projects. Often, additional funds are required for business development, which are attracted from investors. In this case, the company already exists, deals with a certain activity, has its own customers, brings some profits.

Sign 4. In the form of profit

On this basis, you can allocate active and passive income. In the first case, the investor usually performs the functions of the company's head. With passive income, coordination is shifted on the shoulder of the hired manager.

Sign 5. By sight

According to the species featured investment in business can be straight and portfolio.

• Direct investments are an investment of funds in the assets of a particular company.
• With portfolio investments, the investor capital is distributed between the shares of several organizations. At the same time, the totality of the acquired fractions of various companies is called a portfolio.

The main classifications for ease of perception are reduced to the table:

Thus, there is a huge number of types of investments that allocate in different signs.

Popular investment methods (entrance) in business projects

4. 7 basic ways of investing money in business 💰

Many believe that it is possible to invest in your own business. However, there are a huge number of options for such investments that differ in the degree of investor participation required by the sum and other parameters.

The following are 7 main ways to invest in a business:

Method 1. Own business

About this method, first of all think those who hear the concept investing in business.

Using this embodiment, it will be necessary to invest not only money, but also your own strength and time. That is, such a way of investing is an active income.

The return on investments begins not immediately. But there is a significant plus for the investor - all profits will belong to him undivided.

Many dream of your business. But it should be understood that not everyone can lead and develop it. Here you will need to invest soul, experience and knowledge, a lot to learn.

Method 2. Participation in business

Such an option to invest and create business is one of the most popular. Most companiesThe leading position in the world appeared precisely thanks to this method.

The popularity of this method of investment is largely due to the fact that not everyone has money, can conduct business independently.

Often it turns out this way: One partner makes almost all the necessary money, the other is carried out by managing the company.

Usually the degree of influence, as well as profit divided between partners In accordance with the shares in the business belonging to them. In order for in the future, disagreements did not arise, it is desirable for all interaction conditions to specify immediately and record them in the contract of equity participation.

Method 3. Investments in startups

In this case, investments are carried out in new projects. Most often, there is only an idea at the investment stage. At the same time, the one who designed it has no money for implementation.

Huge minus funds It is too strong dependence on the catastrophe of the stock market. At the same time, significant diversification of assets will not even help. Also get income, purchasing PAI, only during the growth of the market.

Plus such attachments Passivity is. Investor does not need to do anything, managers work for him. Moreover, there are no commissions. All profits and losses are made up of the difference in the price of PAY.

Method 7. Hedge Funds

In the CIS countries, such a tool is as widespread. In essence, they are similar to intrinsicities, but profits can receive, speculating with securities, as well as in the form of coupons and dividends. Therefore, they may well generate income and during periods of reducing the market.

Only large investors can participate in such an investment method. Entrance to hedge funds begin from 100 (hundred) thousand dollars.

Thus, there are 7 main ways to invest business. However, if looking wider, absolutely all investments sooner or later get into business.

Actual areas of investment in startups in 2019 in Russia, where money is profitable

5. Investments in startups - Top 13 of the best directions 2019 in Russia, where you can invest 💎

The startup market in Russia is becoming increasingly popular, the volume of investment in it is growing every year. So everyone who decided invest your money into businessIt is important to know which directions of the startup are considered the most sought-after.

Directions for investment are gradually expanding. However, over a long period of time, the leaders are unchanged. These include IT projects (), as well as small business, including the one that is conducted using franchises (in more detail and in detail, we wrote in a separate publication).

A little from increasing the investment behind the field of energy. Oil prices are unstable, more and more people pay ecology. Therefore, in the field of energy, the largest popularity among investors acquire projects related to the creation alternative Ecological Energy Sources.

We will understand what directions of investment in the startup are most popular at the moment. Experts believe that they are will retain the leading position in the next 5 years.

1) 8 directions in IT

The IT sphere is represented by a rather large number of diverse directions.

Direction 1. Robotics

Inventors and investors spend a huge amount of time and means to achieve complete control over processes using remote control, for example, in industry.

Another sought-after direction of robotics is social. In this sense, robotics is designed to help people who are limited to opportunities, as well as to conduct a program of their rehabilitation.

Direction 2. Programs for 3D printers

In recent years, the 3D printer has become a breakthrough in industry. That is why at the moment there is a huge relevance to create programs that will ensure the most efficient use of these technologies.

Direction 3. Health Gadgets

This refers to applications that can be installed on mobile devices and turn them into a personal doctor or coach, as well as a nutritionist. To date, investments in such projects are among the most popular on crowdfunding sites.

About stolenvesting, crowdfunding platforms and so on, we wrote in a separate material.

Experts argue that in the future such projects will acquire increasing popularity. Without applications developed with their help, no person will cost.

Direction 4. Cloud storage of data

Professionals argue that in the coming years investors will be maintained by cloud technologies, as well as the possibilities for storing huge amounts of necessary information. In the first place now there are not so many convenience and an intuitive interface, as the security of downloaded data.

Experts believe that the one who can develop a better program to conspire information is easily conquering the market for such technologies.

Direction 5. Big Data (Big Data)

Store the popularity of projects related to the creation of programs intended for storage, as well as work with huge arrays of information.

The main consumers of such products were retailers.

Direction 6. Distance learning

This line of investment is considered one of the most promising. Programs allowing to receive remote education today are enormous popular.

The demand for such services is at a very high level, so in the near future the development of such programs will continue, which means that it will be advantageous to invest in such projects.

Direction 7. Children's apps for development

Mobile devices in the modern world have every child. At the same time, really interesting programs that allow them to teach them in the game mode, very little. Similar projects are of great interest among investors.

Direction 8. Mobile consultations

Annexes that make it easier to make every person's life help him effectively manage cash flows, time, education and other vital issues. To date, such programs are very popular.

At the same time such applications on the market presented a huge amount. Therefore, any starter will have to try to find a truly unique product.

However, there are options, you can create such programs that will be lowered as much as possible, for example, approaching residents of a certain city or district of the metropolis.

Investment Directions in Small Business

2) 5 directions in small business

The most popular startups are not only in the sphere of IT, but also in the small business. Below are the most relevant of them.

Direction 1. Recycling

Environmental trends penetrate each sphere of life. Therefore, issues relating to the processing of all kinds of waste today are the most relevant for many people.

For such starters, it is not difficult to find money. Necessary equipment and equipment can be taken as on credit, the same in leasing. We wrote in our past material. Plus, such programs attract the interests not only private investorsbut also different state Structures.

Direction 2. Training on a computer

All sorts of programs that allow people learn to program, create websites and animation, as well as mounted video, work with photos represent very promising activities.

Direction 3. Outsourcing

Any novice entrepreneur understands the importance of companies providing outsourcing services. Such firms allow you to save a significant amount of money and at the same time get a high-quality service.

That is why many experts believe that outsourcing - This is the direction of the future.

Direction 4. Content Translators

In marketing today, the information provided is important. A huge amount of content is taken from various foreign sites.

Therefore, startarters believe that the content translation companies are one of the promising areas of development.

Such activities will be required to use a rather great demand in the field of Internet marketing.

Direction 5. Project Testing

Such a service allows it even before the project is removed in the mass to check its effectiveness. Such an analysis makes it possible to produce only those products that differ in competitiveness. As a result, at the start of the project, novice entrepreneurs can save a significant amount of invested funds.

Thus, there are several promising directions for investment in startups. Any investor must focus on their knowledge and preferences, it is desirable to have an idea of \u200b\u200bthose areas that are planned to be financed.

Main ways to invest in start-up projects

6. Investments in business projects - 5 main ways to invest in startups 📝

When making a decision to invest in startups, the investor must decide how it will do it.

There are several ways to invest startups:

Method 1. Through a stinting platform

This method is ideal for beginners. Through such platforms, it is possible to distribute capital between several projects, invested in each of them a small amount. This option will help the novice investor get initial knowledge and experience.

Obtaining profit with such investments is possible in several ways:

• in the form of royalties under which interest from profit is understood;
• with the so-called national lending, after a certain period of time, the investor returns invested funds together with interest;
• when using the joint-stock crowdings, the investor receives a stake in the organization.

Investors who are used by the named method should understand that it is risky enough. There is a chance that the project will not be implemented.

In addition, Russian legislation does not determine a clear attitude towards such an investment. Any guarantees are provided only when purchasing shares of the company.

Method 2. Business Angels

With this option, it is necessary to regularly make funds to get a share or discount on the purchase of shares when the next stage comes. Traditionally, meaning the amount in the range from 50 (fifty) to 300 (three hundred) thousand dollars .

Often, support is the startups that do not have a budget on the prototype of the product. As a result, the risks of investment increase significantly.

Therefore, angels with significant experience in order to diversify risks, invest in several projects at the same time.

For investment in mind wanted to knowledge about the field of businessin which funds are invested. This will make a competent assessment of the represented projects.

Method 3. Investor Clubs

At the same time, the investor transmits the funds of the club, which on its application is searching for the project. For this club charges from the Investor Commission. The investor significantly saves personal time and at the same time he can control the whole process.

This method of investments in startups is suitable for beginners. Thanks to its use, a beginner investor is able to participate in major promising projects, having a small capital.

With participation in the club, there is also a risk of funds. Most often, it is associated with the unscrupulousness of the club, which increases the number of operations carried out, significantly increasing the requirements for projects to participate.

About then, as well as what rules to adhere to when searching for investors, we wrote in a separate article.

Method 4. investment in venture funds

This method is a passive investment. Investor should only pay for the commission, specialists will do all the rest.

Disadvantagethis method of investment is that it is poorly developed. It is difficult to find such companies that have achieved success in several investment cycles.

Moreover, often put investors in a rigid framework: minimal investments are usually at the level of 500 thousand dollars.

Method 5. Creating your own venture fund

Investors who have 10 million dollars And the opportunity to keep the team of professionals and rent an office can try their strength in creating our own fund. Such companies most often invest in qualitatively prepared projects. However, most often no more than 30% Of them bring profits.

With this method of investment Risks are the highest. However, in case of success, the income will also be the largest.

Difficulties in creating their own venture fund are quite a lot, first of all, they are associated with the poor development of this direction in Russia.

Thus, there are several ways to invest in startups. The investor should choose the appropriate, focusing on the experience, the amount of capital, as well as an acceptable level of risk.

Step-by-step guide to investment in your business

7. How to start investing in your business - step-by-step guide 📋

The development of business has an impact of a huge number of factors. First of all, psychology, as well as technology of entrepreneurship.

Properly organized activities have a direct impact on the successful principle and further business development. Statistical data confirm that about 90% Projects are becoming unprofitable already in the first 2 (two) years of its existence.

At the same time, not always the reason lies in high competition. Most often associated with the lack of a clear plan, as well as the concept of development.

Minimize the risks, as well as to increase the chances of entering the business in profit will help instructions for beginner businessmen.

Step 1. Decide on the area of \u200b\u200bactivity

Professionals claim to find the sphere of business that is suitable for it is not easy. This is real art.

Do not be afraid to start something unknown. It should be understood that most often it is novice and pioneers come out the biggest profits.

Moreover, if you find a promising business direction, in which no one has worked, you can not only earn large sums of money, but also to gain fame throughout the world. At the same time, age, as well as the level of knowledge does not matter.

You can, of course, choose and less risky way. To do this, it is enough to apply the existing business schemes. Do not be afraid of areas of activity in which there is a huge competition.

the main thingSo that your project enjoys sustainable demand. For example, the existence of a huge number of beauty salons in the metropolis cannot cause losses of another one of them, as this service is in great demand.

The main task at the beginning of any business It is the creation of such a proposal that will be unique in the market. It should be intended for a specific group of consumers, it is their needs to be satisfied better than other companies.

Step 2. Choosing a tax system

Any entrepreneurship is associated with paying taxes. In Russia, the tax system provides for the possibility of using companies relating to small businesses, a simplified tax scheme. This reduces the financial burden (pro for IP, read in a special article).

However, it should be noted that low-selling companies are much more profitable to choose the basic deduction scheme, since in this case the calculation of the tax proceeds from the profit.

Step 3. Registration of activities

Any start-up business can choose the organizational and legal form. At the same time, it is necessary to focus on the size of the invested capital, as well as the planned scheme for conducting activities. Most often representatives of companies related to small businesses can choose one of two forms of registration: LLC or IP.

Which option is better, you should decide for each specific case. So when making individual entrepreneurship, the procedure is much easier. In addition, conducting activities as IP involves the minimum of reporting. For those who are just starting to conduct a business and is poorly understood in accounting, this option is most preferable. It takes about a week, while the duty is about 1000 rubles.

When the company's turnover increases, it will be necessary to carry out the re-registration procedure. At the same time, LLC opens, which is already a legal entity, and therefore has relevant rights. At the same time, the reporting provided is significantly complicated, and also increases responsibility. Behind will have to pay a duty in the amount of about 5,000 rubles.

Step 4. Opening the current account

Any activity on capital investment in business involves cash flow. Its directions may be different: replenishment of assets, payment of accounts, income receipt. Therefore, IP or Ltd. needs to open a bank account.

Some novice businessmen decide to use the score open to an individual. However, incorrectly mix money related to doing business, and personal finance.

Opening an account, it is enough to choose a suitable bank. Bank employees will help to cope with the rest. Some credit organizations offer to open an account with the use of the Internet (online). In this case, some banks can bring ready-made documents at a convenient address.

Step 5. Start of activity

As soon as the idea is developed, and the previous steps are passed, you can begin to implement the project. To do this, it is desirable to prepare a detailed business plan. Do not ignore This stage of business creation, otherwise the risk of unpredictable developments of events is great. For small businesses, we wrote in a separate material.

Developed Documentary Development Strategy will help minimize risks. In the case of unexpected turns of events or at the beginning of clashes with competing firms, it is a business plan that will help find a way out of a difficult situation.

When the plan is drawn up, you can proceed directly to doing business. To do this, you will need to establish relationship with suppliers, consumers, customers and buyers.

It is important to be ready for the fact that the formation of a business - the process is gradual. Therefore, it makes no sense to worry, if at the very beginning of the business business will not go uphill. Initially, it is always difficult. Gradually will come to experience and navigate the business will be easier.

Beginner entrepreneurs should not be careless to refer to the presented instructions. Following the steps and compliance with their sequence helps start business more efficiently .

What risks an investor can face when investing in business

8. Basic risks in investing in business and how to reduce them.

In any investment process, two parties participate - directly investor and business owner.

The purpose of the investor - Choose such a business, attachments to which will help not only not lose capital, but also to increase it. It turns out that the investor is important to investment.

The purpose of the owner of the company Somewhat different - to attract money into business and not lose them. It is this kind of risk is important for finding investors.

It turns out that both participants in the investment process have a common task - minimize risks.

The most important risks of investors include the following groups:

• organizational;
• legal;
• economic;
• financial.

You can manage the risk if the relationship in the business investment process secure in the investment contract. On the Internet you can find a large number of samples of such agreements. However, in reality, situations that do not fit into traditional patterns are often found.

Therefore, when investing business, it is best to seek help from professional lawyers. This is especially true for direct investment contracts.

In this case, when the investment project fails, the investor will have the opportunity to get back at least part of the invested funds. And with the success of the event, he will without any problems get all the profit-made.

Before investing in any project, the investor should independently analyze it, or to attract specialists for this. It is important to appreciate correctly How effective is the project.

No less important is the test of source information, as well as the conditions for the existence of the project and the likelihood of its success. In addition, it should be estimated, after what time his payback will come .

If the business owner provides an investor a business plan, it is important to conduct a thorough analysis of all its sections. Especially cautious It is necessary to be with those business plans, which promise too high income. Often, errors occur in the calculations, moreover, if desired, the data falsifying may be.

Business investments always include 2 (two) composite parts - this is cashbelonging to the investor and capital Directly owner of the project. Important at the initial stage immediately decide whether there is enough money to implement the plan.

If the investor understands that the business plan implies the participation of the owner itself, it is important to find out if he has enough money or is there any options where they get them. In this case, the investor insures itself From the need for additional cash contributions.

Thus, before investing in business projects, it should be carefully examined by the scope of business. If the investor does not understand In this subject or he has no specialists who have sufficient knowledge in the presented business industry, not worth investing in the project.

It is best to invest in such a business in which you understand either that is quite easy to understand investors. Find a businessman who needs funds, problems are not. Investor also comes out the effectiveness of the project.

It is important to invest in such an enterprise that is qualitatively organized, will bring profit in the future. Otherwise, money may not return.

Also, professionals are recommended to investors in mandatory go to production either in office companyin which it is planned to invest. Often this helps investors to take the right decision on the possibility of financing the project, as it helps to visually assess the organization of business in the company and in production.

9. Frequently Asked Questions (FAQ) 📢

Investing in business is a rather complicated process, so the emergence of a large number of questions inevitably entails. Let's try to answer the most frequently asked of them.

Question 1. I want to invest money into promising young start-up projects. How can I do that?

In the article itself, we have already answered this question, so they will answer it more briefly and meaningfully.

Investing money in startups can be in several ways:

1. Investment craudinvesting platforms (startTrack.ru. , mypio.ru. );
2. Retrain about business angel. That is, to invest money in various business projects in the early stages, for a share in the company or convertible debt (when an investor in the future with a "discount" acquires shares). The size of angelic investment is usually from $ 45-50 thousand to $ 300-350 thousand.
3. Invest money through investor clubs. In this case, investors give the club their parameters and characteristics (preferences) for the investment facility, the club finds projects on the necessary parameters and prepares the transaction where the commission receives. The club conducts complete control over the transaction. ( altaclub.vc. , common.skolkovo.ru/ru/espace/investors. , smartHub.ru. )
4. Transfer funds to the Office of the Venture Fund. Thanks to the professional and competent selection of prospective projects, the investor risks are significantly reduced. Working with start-up projects is being conducted by the Venture Fund itself, and the investor pays the commission for managing money and receives dividends.
5. Create your own venture fund. To create a venture capital, you need to create a company, to remove the office (commercial space), contain a professional team and have investment capital, at a minimum, 10 million dollars. Usually such funds invest in more mature and developed projects than the same business angels. As a rule, the amount of the transaction is in the range from $ 1 million to $ 5 million . (And about 70 percent of all invested projects, as a rule, do not bring profits).

In a separate article, we also told about the methods in more detail.

Question 2. Where to look for startups?

If you decide to find a startup project yourself and invest money there, we recommend using our recommendations.

1. Register in startup bases as an investor

In these bases, you can filter startup projects by niches (choose the sphere of tourism, IT, etc.). As a rule, the databases are well structured a project description, since all projects are minimal resource moderation. The advantage of such a search is a quick and visual comparison of startups.

In the world there are a lot of such sites, but we recommend:

1. Angellist. - The main world service for searching for investments and startups (is the founder of the Startapov region), on the basis of which a large number of clones began. In the database of the service there is more than 1600 startups and 380 investors from the Russian Federation (and their number is constantly increasing)
2. StartTrack.ru. - This is a crowding platform that has startup base functions. The platform allows you to conclude syndicated transactions. Transactions are carried out among the closed meetings of private investors. As a rule, investors are invited to such events who are ready to invest in a project from 300 thousand rubles. There are about 800 investors in the database.
3. Spark. - a service for finding an investor, but recently new interesting and technological projects are loaded there, where the creators share their experience and unload projects for investment. In the database there are 5,500 projects, where about 1500 need investment.

2. Watch information via open startup databases

Here you can watch projects that have already attracted investments.

1. Crunchbase.com. - One of the largest databases about the venture market, which contains more than 700 thousand investor profiles and startups.
2. Rb.ru/deals/ - Russian platform with chronology of transactions, profiles of private investors and startups, foundations, etc.

3. Follow the finals of contests

In the process of the competition, each project withstands tough competition and the evaluation of the jury. As a result, only really high-quality projects remain. Which deserve investors' attention.

4. Monitor the releases of accelerators

Also follow the releases of accelerators. Accelerator - This is a company where activities are to help other companies (resident train residents). The accelerator assistance is to develop, promote, the company's recognition (brand), etc.

The accelerator is a program that allows a rapid pace to develop a project from the moment of occurrence before the moment they become interested in an investor. The most powerful projects that have reached the end, because they managed to overcome several selection stages.

Accelerators earn money, reselling the share of the company, which in the past were obtained (redeemed).

To accelerators include the following - Accelerator FRIA, Idealmachine, Metabeth other.

Investors should be aware that the success of investment is determined, among other things, knowledge luggage. Even participation in the club does not exempt completely from risks.

Question 3. How to check the startup investor independently?

To obtain an objective opinion on the alleged investment facility, you need to make a number of actions. They are combined with concept Due Diligence.. Such actions are important to implement any attachments to buy a company or make it merging with another company.

Dew-Diligence Effective in the decision-making process on any cooperation with any company.

Despite the importance of the procedure under consideration, many investors ignore it. However, Dew-Diligence helps investors to maintain most of the capital, so consider the actions that should be made.

1) Product

Investor necessarily follows self Try the product or ask you to make it a friend who falls into the target audience.

No less meaning It has an attempt to implement the product to someone from acquaintances. As a result of such actions, it is certainly a huge amount of no one needs.

2) Team

It is important to carefully examine the main actors (founders) of the project. To do this, you can use the social network Facebook, LinkedIn, etc. ... Here you should evaluate the profiles of people, find them in other networks and try to understand what unites them.

So you can understand how an investor is ready to cooperate with such people. Another tricky – invite someone to the interview. In the course of it, it is quite possible to draw a huge amount of information about the company with which it is planned to interact.

3) Investor.

It makes no sense to ask opinions from other investors about any project. It is unlikely to be able to get a reliable answer. It is better to do otherwise: call the investor who is not connected with you and suggest become a co-investor. Most likely, in response, it will be possible to hear the truthful opinion.

Thus, it is quite possible to estimate the project for investment. The main thing to adhere to certain rules.

Question 4. What are the features and procedure for issuing an agreement to invest in a business (investment contract)?

Conclusion of an investment agreement It is an important stage of embedding in any business. It is an agreement concluded between the parties to the transaction, which the investor and the business owner are.

The purpose of signing such a contract is regulation of the relationship between the transactionFirst of all, on how the expenses and income during the project will be shared.

For each of the parties to the agreement in the contract in obligatory The planned must be recorded revenues and costs.

In accordance with the contract under consideration, the parties to the transaction take over the obligations to apply common efforts to implement the investment plan.

It is important to noteBasic task Investor - to invest, and business owner - Use them exclusively to be appointed in accordance with the project business plan.

Investor can have a different status: a legal or an individual. It carries out investment in a specific business project. The purpose of investment is, first of all, receiving income in any form. In this case, the investor assumes certain risks. They are associated with the opportunity lose money , both completely and partially.

The task of the business owner is to attract funds. At the same time, the purpose of such actions is to achieve a certain result during investment activities. Under such activities in the financial world, the actions of investors, folding from the practical and analytical components, which are aimed at achieving the goal set in terms of plan.

Until the signing of the investment agreement, it is important to carry out a number of events:

1. Negotiations must be carried out at mandatory. In their implementation, the investor and business owner must identify mutual obligations, as well as the procedure for distributing income and expenses. The result of the negotiation is the conclusion of the agreement.
2. The project owner must compile a business plan intended for investor's goals. In mandatory in this document, it should be considered: an analysis of the most important competitors of the company, the market of goods in general, as well as a niche occupied by the company. Evalnamed are financial calculations, including alleged risk. It should also be described than valuable, the proposal is relevant and what is his novelty. At the end of the business plan, project prospects are given, as well as possible scenarios for developing events.

The investment agreement is legal only in the event that if it is concluded in writing . It follows only after negotiations be held and a business plan is drawn up.

If for any questions, the parties do not come to a mutual decision, they must compile a disagreement protocol. Subsequently, this document plays great importance, especially at the stage of signing agreements. At this point, it is considered an integral part of the agreement.

Samples of an investment contract on the Internet can be found a lot. They are somewhat different from each other.

Typical investment contract in business - You can download the investment contract at the bottom of the link

(Investment Agreement) (Doc., 15.2 Kb.)

However, there are points that must be present in each contract:

• description of the legal status of each party;
• the listing of the most important terms used in the Agreement with the obligatory definition of all concepts;
• a specific reference to the subject of the contract - what an investment project is to bring it to the name and description of projects, its main goal, should also be indicated who is a project developer;
• for how long the contract is concluded;
• how calculations under the contract are carried out. If the parties have reached an agreement on the investor's right not only to the main, but also for additional remuneration, it should be stated in the contract;
• rights that purchase parties;
• what duties from the parties arise in the case of the signing of the contract;
• how Investor will receive the result of investment activities;
• what are the property rights of each part after the results of investment activities are obtained;
• what responsibility during the project is carrying each party;
• how the contract can be terminated;
• how changes are made to a prisoner investment agreement;
• reference to force majeure circumstances;
• how and where disagreements arising from the parties are solved.

The investment contract is mandatory:

1. act on the distribution between the parties of property rights;
2. existing disagreement protocol;
3. protocol coordination of developed disagreements.

Typically, the investor and business owner is difficult to draw up an agreement that would satisfy both parties and took into account their personal conditions. Therefore, the best solution will take advantage of the help of a professional lawyer.

10. Conclusion + video on the topic 🎥

We reviewed the basic issues and moments concerning investing in business. If you read an article to the end, you probably learned something new about investing funds in business. Now you can try to try in practice.

And video - "Why invest in startups" from the "Capital FM" channel

The team of the site "Site" wishes good luck and success when investing in business. If you have left comments or questions about the topic, then ask them in the comments below. We are waiting for you again on the pages of our site.

Greetings! Truly serious money today bring only investment in business. So I consider not only me, but many deserved finance experts.

So, investing in business projects: What ways can this be done? And what are the pros and cons in each version?

Invest in promising (in your opinion) business ideas can be several ways. We will analyze them in order: from direct participation in the project to passive investments through the manager.

Method number 1. Create your own business

Its business is the most profitable (potentially) way to invest in a business project. Direct attachments can bring 10%, and 100% and even 1000% per annum.

However, one's own business requires its "creator" maximum return. And we are not only about the initial investments (although without them can not do). Own business will have to spend a bunch of time, strength and nerves.

At the initial stage you will be in the role of an accountant and marketer, Seo-Shnik and SMM-pin, designer and logist. And this is excluding painstaking work on the main product, the product or service where you plan to earn.

At the same time, the first "dividends" project will begin to bring far from immediately. And not a fact that will bring in principle. Its business is not an investment, but an active way to earn money! True, a huge plus method is that the potential profit from investments will belong to you and only you.

Method number 2. Shared participation in business

It is this way that investing in projects is one of the most popular. Moreover, in Russia, and in Ukraine, and in Germany and in the United States. Most of the major and successful companies were born due to equity participation.

Pluses of the way: you can create a business without having a major initial capital. In addition, the responsibility for success (or failure) is distributed among several participants.

Cons: Profit will have to share with partners. And as practice shows, in 90% of cases it leads to serious conflicts. Up to the decision of disputes in court.

Method number 3. Investments in startups

By investing money in a brand new, the investor claims most of the potential profits. The author of the idea, as a rule, is engaged only by the realization of the project and bringing the product to the mind. Moreover, the investor may be in Moscow, and the project creator is in Minsk.

It is clear that investing in startups is the purchase of "cat in a bag." The project may not go on payback. Or bring the investor symbolic 5-10% per annum. Or "shoot" - and make creators of truly rich.

The last option is hoped by everything. But, unfortunately, Google and Facebook format samples appear much less often than one-day projects.

Easier and safer through specialized crowdfunding platforms. There, new ads take at least minimal selection. Plus, any suggestions of investors and start-ups are considered individually.

On such platforms, an investor can receive income from investments in three ways:

1. Royalties (percentage of profits)
2. Returning the amount with interest after a predetermined period (folk lending)
3. Getting a share in the company (equity)

Method number 4. Investments in stock

The action is a valuable paper that gives the investor the right to own a tiny "piece" of the company. Buy shares directly small privately can not. But the broker intermediary opens access to the stock exchange to any adult from Yekaterinburg, Tver or Magadan.

You can earn in shares in two ways:

1. Buy cheaper - sell more expensive (speculative option)
2. Get dividends (passive option)

Buy, concluding a contract, for example, with a broker fins? Yes, almost any, which are traded in the market. The price of many shares is available even to the smallest investor. For example, the ordinary share of Gazprom at the beginning of July cost about 122 rubles, Sberbank - 149 rubles, Rostelecom - 71 rubles.

True, stocks, as a rule, are not sold "piece" - only "packages". Also, do not forget about broker commissions. Pay for intermediary services will have to anyway. Even if the shares you have acquired on the eve of the bankruptcy of the company.

And one more nuance, which is worth considering the formation of a portfolio from securities. Promotions can not be bought intuitive! The investor should know at least the basics of financial literacy to independently evaluate the prospects for a company.

Method number 5. Investments in bonds

Bonds are also securities, but less risky than stocks. Buying a bond, you become a creditor for the company. Simply put, overcome her money at interest.

Does not give an investor the right to participate in the company's affairs. The owner of the debt security does not pretend to be part of the profit. But it is guaranteed to return money back at the repayment date (with a premium). And will receive additional profits in the form of coupon income.

Method number 6. Investment in mutual investment

- The easiest, but also the most "indirect" way to invest in business.
Plus: You invest money in the finished portfolio from securities. Just a couple of thousand rubles you can buy a "piece" 10-20 small and large companies.

Cons: you have to pay a high commission manager. Yes, and to invest directly into one or two companies here will not work.

What directions to invest in 2017?

Experts call several directions in demand for the coming years.

Name the most, in my opinion, interesting:

• Health Gadgets (Speech about convenient applications that can be installed on mobile devices: Passometers, calorie counters and the like)
• Developing applications for children (extremely few high-quality products, educational children useful in a game form)
• Recycling of waste (abroad processing garbage is one of the most favorable areas in business. I believe that it will be very soon in Russia)

And how do you usually invest in interesting business projects?

Hello, dear readers of the magazine by Issonodrom.ru! Almost every one of us ever thinks about where to invest money so that they work and brought monthly income.

Investment options are actually a huge amount! Not all of them are effective, and even that there are often fraudulent organizations often occur, the only purpose of which to get money and forever hide them. I know about it not to be! 😀

In this publication, I will try to tell you about the most relevant and proven areas for investing in 2019! And of course, in practice we will try to objectively figure out much more profitable and best to invest our money.

You will also learn about where you should not invest your money, whatever they would not lose!

And most importantly, I will share with you my life experience , specific examples and useful advice that will allow you to properly invest money and get a high passive income! 👍

Regardless of what amounts of money you are going to invest: small or large - this article will be most useful for you.

Besides, you will learn:

• What are the investment options, what kind of profitability and which one to choose?
• Where can I find money online?
• How to invest money in order not to turn around?
• And also about where it is better not to invest your money!

Sit go comfortable and we will start! The article turned out a little long, because I tried anything important not to miss. I hope I managed it! 😉

1. What is important to know about investment?

First what you need to know before investing your money somewhere is that it is necessary to invest online free cash ! In no case do not invest money in which you are sharply needed and the more notice the debts, loans and loans.

Absolute guarantee that you will enhance nobody nobody gives! There is always a risk of loss of money, even if it is an investment with a high guarantee (for example, government bonds or bank deposits).

It is always necessary to remember this, because the investment as a profit and losses can bring!

Secondly before investing your money somewhere need to actually appreciate what exist risks and what yield It can be obtained from one or another attachment.

Usually the risk is proportional to income, i.e. The higher the yield, the higher the risks and vice versa. But this rule does not always work.

But in any case, who does not risk, he does not earn. It is always necessary to risk meaningfully! 😉

In order for you to solve for yourself or not to invest in a particular investment option, each of them we will analyze based on the following most key parameters:

• yield,
• risk,
• payback period,
• minimum investment.

And also consider all the pros and cons of each investment option.

Thirdly to reduce risks, it will be logical diversify Your investments, i.e. Distribute the entire amount of investment on the part depending on the risk and insert into different assets.

For example, you can distribute this:

1. conservative portfolio (bonds, real estate, precious metals ...) - 50% of all means;
2. moderate portfolio (PIFES, stocks, business projects ...) - 30% of all means;
3. aggressive portfolio (Monetary market, cryptocurrency ...) - 20% of all means.

❗️What:
It is not necessary to invest all the money only in the tools with a very high yield, as in this case and the risk of losing your money will also be very high!

And many people opposite seek to receive the maximum income, but at the same time they completely forget about the risk. And as a result, due to greed, nothing remains.

Investments are primarily risk management! First of all, you need to take care of not losing money. Profit is the second thing.

Yes, and if you still have little or not yet yet experience in investing, then start investment with minimal amounts and avoid high-range assets.

Read this article to the end, because at the end of the article you will learn about other important investment rules! 👇

2. Where to invest money in 2019 - Top 15 profitable investment options

So let's finally consider the options and determine where it is profitable to invest money so that they bring income!

Option number 1: Bank deposits / cumulative accounts

DESCRIPTION: The easiest and most accessible embedding for all is the usual bank deposits (deposits). In Russia, the annual interest rate on them is on average from 6% to 8%.

In recent years, deposit rates are steadily falling down and will likely continue to fall in the future.

How to make money on the growth of shares - the example of Google

For 3 years, Google's shares rose by more than 100%!

For these purposes, the so-called "Individual Investment Accounts" (IIS) will be suitable, which for example can be opened in Finams or BCS (and even in the same Sberbank).

But the same if you investigate money for at least 3 years, you can get a deduction on personal income tax (13%), i.e., in fact, taxes from income will not need to pay! Such preferential conditions were developed by the state to support and develop investment in the country.

But naturally, there are many nuances that need to be considered when investing in stock. There are always risks and everywhere - you should not forget about them!

The biggest risk for shares (for those who put on their height) is a financial crisis! During the rest of the time, the shares are generally growing and showing good yield.

Also as an option, you can invest money in a group of shares, i.e. So-called indexes (they show the economic situation in the country), for example:

• RTS (50 largest companies in Russia),
• S & P500 (500 US largest companies),
• NASDAQ (100 high-tech US companies).

If you do not want to personally invest in investment, that is, the option to entrust money by professional manager. But this in detail I will cut down just below.

OUTPUT: With competent management of the action, it is capable of bringing good yield, several times exceeding interest rate on bank deposits. But at the same time they relate to risky assets.

Yield:	Risk:	Payback:	Minimum attachments:
15-100% per annum (change in stock price + dividends)	Depends on the strategy	1-7 years old	from 5-10 thousand rubles
(⭐️⭐️⭐️ - medium / high)	(⭐️⭐️ - medium / high)	(⭐️⭐️ - average)	(⭐️⭐️⭐️ - Low)
Pluses and ➖ Minuses:
(+ ) With minimal / moderate risks, it is possible to obtain a relatively high yield.	(+ ) High liquidity - at any time the action you can quickly sell and get money in your hands. Low input threshold.	(- ) Knowledge requires. The uncontrolled risk and "flirting" with the market can lead to significant losses.	(- ) In the case of the crisis, the shares may also fall in price in a short time.

Option number 4: Bonds

DESCRIPTION: What do you think large banks are investing? Main in bonds! Yes, they give a small income, but with a high guarantee and reliability. Especially if you take government bonds.

On a number of bank deposits, bonds are considered one of the simple investment tools. But in contrast to bank deposits, the bond rate is significantly higher.

For those who do not know, the bond if it is simple, it is a debt. Only as borrowers can act as large companies and the state.

? By the way, Sberbank and VTB24 recently began to sell national government bonds.If we invest for 3 years, then you can only get the yield on them 8.5% annualh. .

I agree, not very much, but the rate is already exactly better than most of the bank deposits available at the moment. Moreover, further deposit rates can decrease.

You can also consider bonds of major reliable companies - the rates will be higher on them! For example, on Sberbank bonds, the average yield is approximately 9,2%-12,2% annual (depends on the period).

At the same time, large funds can be inserted into bonds, since the security of funds will be higher here than for example in bank deposits, where only 1.4 million rubles are insured.

I also note that there are bonds, the yield on which can be dozens and hundreds percent . But such bonds have a low credit rating (they are called "garbage bonds"). Although they are able to bring quite high income, they are a very risky kind of investment.

Bonds as well as promotions can be bought through an individual investment account (IIS) without the need to pay for income tax (if they purchase them for a period of more than 3 years).

OUTPUT: Bonds are suitable for those who strive to receive an average yield with a relatively high guarantee.

Yield:	Risk:	Payback:	Minimum attachments:
From 7% to 15% per annum (in a risky from 30% to 100% and above)	Depends on bonds (according to state - very low)	7-12 years old	from 10 thousand rubles
(⭐️⭐️ - medium / low)	(⭐️ - Low)	(⭐️⭐️ - medium / low)	(⭐️⭐️⭐️ - Low)
Pluses and ➖ Minuses:
(+ ) Optimal yield in combination with low risks. At any time, you can sell bonds without losing income.	(+	(- ) Relatively not high yield compared with shares and some other assets.	(- ) There is a risk of bankruptcy of the Issuer (especially related to low rating bonds). The lower the credit rating, the less trust in it.

Option number 5: Forex

DESCRIPTION: Forex - essentially this is the currency market, where you can buy / sell one or another currency. This can be done both through banks and online with the help of specialized brokers (where by the way, the commission is 10 less).

Example!
For example, you purchased 10,000 dollars at the rate of 57 rubles / dollar - in the end you invested in dollars 570,000 rubles. After a time, the course reached 60 rubles for 1 dollar, and you sold dollars.

As a result, after the exchange, you received 600,000 rubles, and the income was compared to 30 000 rubles (Of these, the broker commission is approximately 600-800 rubles).

The forex can be traded both yourself and give money to the management of professional traders (it will be written in detail in the next section of the article).

With independent trading, the currency is very important to have trade experience and Z. on the foreign exchange market . We climb into the currency market just like that, in the hope of light profit, it is not worth it (and when it was exactly done), as this usually leads to serious losses.

It is important to note that with personal trading it is necessary to follow the proven trading strategy, otherwise trade is likely to turn into a casino and lead to a previously known sad result.

But the other side, if you follow the risk (managing), manage emotions and trade exclusively on the strategy, then you can really earn at Forex. But it needs to be trained!

Although it is possible to start on Forex with minimum amounts - from $ 1, still need more or less serious investments (preferably from 100 thousand rubles), because even if you get to increase the initial deposit for 10% for a month (which is very good), then the profit will not be so big.

As for me, so one of the most effective trading strategies on day bars is a price action. A lot of articles are written on it on the Internet - who is interested to read!

Among reliable brokers can choose for example, alpari or roboforex.

OUTPUT: The forex market is more unpredictable than the stock market, which means more risky. Nevertheless, when used by investing, you can get high income. For those who are not ready to seriously study, this option is not suitable - it is better to consider PAMM investment. This will be discussed below! 👇

Yield:	Risk:	Payback:	Minimum attachments:
from 15% to 100% per annum	Depends on the strategy (initially has a high risk)	1-7 years old	from 100 rubles
(⭐️⭐️⭐️ - high / average)	(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️⭐️ - High)	(⭐️⭐️⭐️ - very low)
Pluses and ➖ Minuses:
(+ ) If there is an effective strategy, you can get a high yield.	(+ ) Low entry threshold and availability.	(- ) High risks, especially for beginners. You can lose significant money in a short time if you do not manage the risk. 99% of newcomers losing his money.	(- ) Learning is required: Special knowledge and experience, as well as the ability to manage emotions. There is no guarantee that in one or another period will receive a profit.

Option number 6: PAMM-account, PAMM-portfolios, trust management and structural products

DESCRIPTION: But this method is usually suitable for those who have no experience and time to understand all the nuances of trade in financial markets (stock markets, forex, oil, gold ...).

That is, in this case, you trust your money traders - those who are professionally engaged in trade in financial markets.

All you need to distribute the initial amount of investment on the part (preferably at least 5-10) and invest in various managers.

For example, it allows the alpari broker, which I have already mentioned above. The input threshold here is only $ 10.

At the same time, traders are interested in increasing your money, since only with profits they receive a small reward for their work.

⭐️ About yield!
Income here can be obtained quite acceptable - per month 3-10% at moderate risk! But even with conservative trade in 20-30% per annum - it is also great!

PAMM-account and PAMM-Porphy for investment must be assessed based on at least 3 parameters:

• the age of the account / portfolio,
• past yield
• funds invested by other investors.

For example, one of the most popular PAMM accounts for Alpari:

PAMM account "Lucky Pound" and its profitability (click to enlarge)

💡 In addition to this PAMM account (trader) invested over $ 500,000, its yield for 3 years and 8 months amounted to 2051%.

However, it is necessary to take into account that despite the fact that in the past, the accounts / portfolios showed a good profitability, in the future there is a possibility that they will be unprofitable.

Therefore, I repeat Do not invest everything in one trader! Constantly monitor the situation and gets rid of accounts / portfolios, which for a long period bring losses. This is the whole secret of investment!

Read more about how to invest right in PAMM accounts read (review the training video) on the tradelikeapro.ru website. I use it myself, there really is a lot of useful information!

With a larger initial capital, you can work with large stock exchange brokers (for example, Finam and BCS), which also provide various confidential management strategies.

For example, on fines in trust management can be given from 300 thousand rubles. There are dozens of diverse strategies: conservative, moderate and aggressive.

Of course, both brokers and managers also cannot be 100% guaranteed that you will receive income.

I also want to tell you a few words about the so-called "structural products".

They are also intended for beginners who want to increase their money. Structural products can bring yield to 100-200% per annum with minimal risks (risk is rigidly limited, there is protection of capital - usually you risk only 10% of your investments).

The essence of structural products is that you also invest money in stock markets (more precisely in specific shares, futures ...), which experts expected will grow or fall in the future.

Invest in such products as a rule maybe from 3000 dollars And on time from 3 months.

Here is an example of structural products for Alpari:

OUTPUT: Trust management combines convenience, moderate risks and middle / high yield. Particularly suitable for newcomers.

Yield:	Risk:	Payback:	Minimum attachments:
from 15% to 200% per annum and higher	Depends on the type of strategy: conservative, moderate, aggressive	1-8 years old	from 500 rubles
(⭐️⭐️⭐️ - high / average)	(⭐️⭐️ - medium / high)	(⭐️⭐️⭐️ - High)	(⭐️⭐️⭐️ - Low)
Pluses and ➖ Minuses:
(+ ) Turning the funds from the most efficient control / strategies, you can get a good average profitability. Fits beginners.	(+ ) The minimum amount for investment (especially in the PAMM account) is quite low. You do not need to engage in trading yourself.	(- ) Relatively high risks compared to bonds and bank deposits.	(- ) It is difficult to predict yield, as there may be unprofitable periods. Periodically need to monitor the managers.

Option number 7: Your / partner business

DESCRIPTION: And this, in my opinion, one of the most profitable ways of investing, which can bring you not one hundred or even a thousand percent income!

Of course, in most cases, business requires personal presence. But on the other hand, a business can automate the process or simply to invest in someone's business at the development stage.

As an option, you can buy a ready-made business or open a franchise business (in this case, the risks will be much lower).

At the same time, even if you have a small initial capital, you can still open your business. Many people opened a profitable business practically without investments or with minimal investments, so the money here is not the most important, the main thing is desire and desire! 😀

I myself started a successful business from full zero! By the way, if you turn to statistics, then amongmill 70-80% - These are entrepreneurs who started a business from scratch!

Estate attention:
You can turn your hobby into a business and never in life no longer work, but to do your favorite thing! Perhaps this is the most preferred option!

As spoke of Confucius:
« Choose your own job in the soul, and you do not have to work for a single day in your life!«

And about how to find your favorite work / Case - read.

If you still do not have a stable source of income, then first think about creating a business, let him even be small. The main thing in this matter is not to be afraid make the first step!

Think, maybe you always wanted to open your car service, hairdresser, sporting goods store or handmade goods store?

Here are some more useful tips:

1. Start with a small (and with minimal investments) and gradually develop your business. At the initial stage of business development, do not invest big money immediately.
2. Choose a niche with minimal competition - it is easier to start in them.
3. If you have a small initial capital, then it is possible to try business in the service sector.

I will also give you several options from my experience, as you can start a business with minimal investments, I think you will be interested! 👇

Examples!
It is easy to start your business and on the Internet. For example, you can provide services or sell products through ads (the most popular - Avito). I just started with that! 🙂

By the way, it is now very popular products from China, where the markup can reach up to 500-3000%. Including such goods are successfully sold through the Internet (single-page).

Another direction where large investments are not required and it is not so difficult to start - this is a whole business via the Internet.

With both in the case of wholesale and retail sales, the goods are not necessary to have in stock - you can work according to the dropsipping scheme. The main thing is to find customers (this can be done on the bulletin boards).

If short, then the essence of dropshipping is that you are working with the supplier who directly sends the goods to the client. It implements his product and has income from that, and you get your surcharge from sale.

Read more about how to organize - read in a separate article!

OUTPUT: Business is able to bring a very high yield with minimal investments. In addition, the business can be turned into a favorite thing, which is interesting and want to do!

Yield:	Risk:	Payback:	Minimum attachments:
from 30% to 1000% per annum and higher	At the initial stage, high risk	from several months to 1-5 years	from 10 000 rubles (you can even start from scratch)
(⭐️⭐️⭐️ - high / average)	(⭐️⭐️ - medium / high)	(⭐️⭐️⭐️ - High)	(⭐️⭐️⭐️ - Low / Medium)
Pluses and ➖ Minuses:
(+ ) One of the highest returns among all investment tools.	(+ ) For business it is easier to find partners and / or co-investors. You can begin without big investments, the main thing in business is the idea!	(- ) High initial risks. 7-8 of 10 beginner businesses are closed within 2-3 years. Low liquidity is difficult to quickly sell a business.	(- ) You need to deal with business and understand how it works, even if you put money in the "strangers" business. You must always learn.

Option number 8: Fune investment funds

DESCRIPTION: Pytes can also be attributed to the trust management, which we have already talked about a little.

Pynes are professionally engaged in investment activities, investing and managing their depositors' money (invest in certain shares, bonds ...).

The contributor can be absolutely any person, for this you need to purchase Pai (share) in a share investment fund. Depending on whether the PIF is successful manages investment, shareholders make a profit or loss.

It should be noted that the activities of the disease are regulated at the state level and as a rule, they are prohibited in high -ighted assets to invest. Therefore, they are considered more protected in contrast to the same brokers.

Pypus usually give low income (usually from 15 to 30% per year), with a slight risk. Here is an example of the profitability of some mutiings for 11 months:

Yield of blows for 11 months

However, mutual profits do not give guaranteed profit, unlike bonds and deposits, there are also unprofitable periods.

But in general, if we take a period of 3-5 years, then many mutual impacts show a positive trend and make a profit (subject to the lack of crisis). Therefore, it makes sense to invest in mutually from 1 year.

The minimum amount of investment is from 1,000 rubles. You can buy pairs online, including through certain banks, such as Sberbank.

If this type of investment is suitable for you, it makes sense to choose not one face, but several to distribute possible risks.

And take the rule before investing somewhere, including any specific impacts, read the reviews of real people on the Internet, and also read what they write about them on the forums. So simple action you will secure yourself from not reliable and fraudulent organizations.

OUTPUT: PIFES can be considered as an alternative to brokers, which also invest money mainly in the stock market. Subject to the absence of the crisis, they usually also bring a good yield.

Yield:	Risk:	Payback:	Minimum attachments:
from 12% to 30% per annum	moderate	3-10 years old	from 1 000 rubles
(⭐️⭐️ - average)	(⭐️⭐️ - medium)	(⭐️⭐️ - average)	(⭐️⭐️⭐️ - Low)
Pluses and ➖ Minuses:
(+ ) The average profitability exceeds interest rates on bonds and deposits.	(+ ) Low input threshold, as well as control of the activities of mutual effects by the state.	(- ) There is no guarantee that you will receive income. There is an additional "Commission" (surcharge) for the purchase / sale of feud.	(- ) You will have to pay 13% of the income tax - many other investments have preferential tax conditions.

Option number 9: Microfinance organizations (MFIs)

DESCRIPTION: Another type of investment is an investment in MFIs. The return on such investments on average ranges from 12% to 30% per annum.

The minimum amount required for attachment in MFI should be at least 1.5 million rubles (by law).

The longer the mortality period, the higher the interest rate. The minimum term in MFIs, as a rule, is 3 months.

It should be noted that in this case there is no insurance insurance, and the risk is much more risks than if investing in bonds or in the bank at interest.

If you still decide to invest in the MFI, then you must choose a proven company that works on the market for more than one year.

⭐️ Good advice!
See primarily the "age" of the MFI, and not at the interest rate that you promise.

After all, it is better to invest in a reliable organization under a slightly smaller percentage than in a high percentage MFI that has just appeared.

Additionally, it will not be superfluous to see the reviews and read articles on well-known information portals (for example, RBC) about this or that MFIs.

If you want to know my opinion, then in my opinion, if you have an investment from 1.5 million rubles, then it is more profitable and reliable to invest in real estate than in MFIs! 😀

And besides, I myself do not take loans / loans (all the more consumer) and I do not advise others! 😉

OUTPUT: The MFI as a whole is 1.5-2 times more profitability than bank deposits. But there are risks appropriate. Yes, and the threshold of input to put it mildly is rather big.

Yield:	Risk:	Payback:	Minimum attachments:
from 10% to 30% per annum	moderate	3-9 years old	from 1 million rubles
(⭐️⭐️ - average)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium / low)	(⭐️ - High)
Pluses and ➖ Minuses:
(+ ) High rate on bank deposits.	(+ ) Passivity of income. Minimal participation on your part.	(- ) A very high entry threshold. According to the law, MFIs is allowed to attract salts from 1.5 million rubles.	(- ) Increased risk, since the insurance of deposits is absent - in the event of bankruptcy, no one will return money. There is a fraud.

Option number 10: precious metals

DESCRIPTION: Another known type of investment is investments in precious metals, in particular in gold. At the same time, such investments are distinguished by high reliability!

Investing money in gold and other precious metals are particularly relevant to invest in a crisis, as it is where money from the stock market is moving.

Gold coins / gold bars can be purchased both in almost any bank (Sberbank, Gazprombank) and brokers (for example, alpari).

Despite high reliability, gold investments are more suitable for preserving existing cash than to increase them. In addition, such investments are designed for a longer term from 3 years and more.

Gold prices - schedule

❗️ Over the past 5 years, gold in rubles has grown from 1600 rubles per gram to 2400 rubles / grams.

Total profitability in the fifth anniversary was 50% (on average gold grew on 10% per year) and then such a profitability turned out to serious depreciation of the ruble.

However, if you look at the dynamics of gold in relation to the dollar, then you can see that gold after 2012 fell significantly in price and at the moment is located in the side trend.

OUTPUT: Precious metals (gold) still makes sense to buy either in crisis time or in the long term in order to save.

Yield:	Risk:	Payback:	Minimum attachments:
from 3% to 15% per annum (in crisis yield higher)	Minimum	7-20 years old	from 1000 rubles
(⭐️ - Low)	(⭐️ - Low)	(⭐️ - Low)	(⭐️⭐️⭐️ - Low)
Pluses and ➖ Minuses:
(+ ) High reliability of investments. There is practically no risks of gold depreciation. Easy to buy / sell at any time.	(+ ) Dragmetals (especially gold) is a "quiet harbor." Investments are suitable for preserving funds during the crisis.	(- ) Low yield during the growth and development of economies. Tax on income of 13% when selling gold, if the tenure is less than 3 years.	(- ) Relatively high commissions of banks / brokers when buying / selling precious metals, incl. Gold.

Option №11: Cryptovaya (Bitcoin)

DESCRIPTION: Bitcoin for the last grew more than once and, apparently, does not collect. New millionaires are already emerging, which are riders exclusively on investments in Bitcoin.

Of course, the best time for investment was a few years ago when Bitcoin cost about 150-200 dollars.

Some experts say that in the future, Bitcoin may cost hundreds of thousands of dollars and maybe it will reach $ 1 million.

Others argue that Bitcoin is waiting for the collapse. But despite this, some states (including Russia) think about creating their national cryptocurrency, which indicates that the topic is cryptocurrency in the future will be very popular, and therefore probably Bitcoin and other cryptocurrencies will grow in price.

Moreover, cryptocurrencies show a steady growing trend.

But you need to understand that any cryptocurrency is another bubble, since there is nothing real for him and still it is a rather risky investment tool.

For example, Bitcoin can grow or fall on 10-25% - Here it is a completely ordinary phenomenon. And for the year you can increase your attachments as 3-10 times, and almost everything will lose!

OUTPUT: On the one hand, cryptocurrencies, too risky tool, and on the other hand, in the event of growth can bring huge yield. Is it worth it or not to invest each decides itself, one thing is only clear - it is definitely not worth investing in them all your money!

Yield:	Risk:	Payback:	Minimum attachments:
from 20% to 1,000% per annum	Increased	from 3 months to 1-5 years	from 100 rubles
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very low)
Pluses and ➖ Minuses:
(+ ) In the case of cryptocurrency growth, it is possible in a short time at times to multiply invested funds.	(+ ) As a rule, there is no inflation as a result of a limited number of cripmarked issued.	(- ) Very high volatility cryptocurrency, in a matter of days they can go in price, and seriously collapse. Low predictability.	(- ) Cryptovatsuats are not secured, since this is another bubble. The complete lack of guarantees - in case of loss of money, no one will return them.

Option number 12: Internet projects (online business)

DESCRIPTION: The Internet is developing in a huge pace, along with this providing the opportunity to make each of us to make money in this global network.

It is important to note that large investments are not always required to promote one or another project on the Internet. Some of the projects can be started with minimal investment or at all from scratch.

The following directions are currently popular:

1. Sites. Information sites are created and filled with unique content.

With minimal investments it is possible to obtain high yield through advertising. Typically, the site begins to bring the first income in 4-6 months.

FROM 1000 visitors On a day, depending on the subject, you can earn approximately 200-3000 rubles in a day. The scatter is very large, since it is from the subject of the site that depends on what income you will receive.

Earnings on sites will be suitable even by novice, as you can write articles yourself, and not to order them on copywriting exchanges.

But still, at the beginning, you will need to be in the essence and understand the key items of such a business.

2. Social publics. Surely almost each of us is signed on any community on social networks (Vkontakte, Facebook, classmates ...).

In the meantime, the owners of such publics also earn mainly on publishing advertising posts. In publics with millions of subscribers, the cost of one advertising post may cost 2-7 thousand rubles .

Publications with relatively small investments pay off very quickly. Although now competition is high, but if you choose the subject of the public, to post high-quality and interesting content and develop a public, then the success of waiting for a long time!

3. CPA affiliate / aribian traffic. Their essence is that some business owners are ready to pay a certain percentage from the sale of their goods / services.

For example, if a person switched to your affiliate link will open a settlement account in a specific bank, then you can earn 2-3 thousand rubles.

If you can easily attract traffic through advertising, it is quite possible to get a high return from the invested funds. However, as you probably already understood, here the main investments go on advertising.

But in this case, the main role is played by experience, without him anywhere!

4. Online services. You can also invest in the creation of online service. These include various freeline exchanges, bulletin boards, exchangers ...

For example, projects that are engaged in the exchange of electronic money are very popular (in fact they are called exchanger).

For example, if you need to transfer money from Yandex Wallet to Kiwi Wallet, then it is most likely to do with the help of exchangers. By the way, the bitcoins can also be purchased using exchangers.

Exchangers in turn take a small commission for exchange (usually 1-5% ). Due to revolutions, quite a decent income is obtained.

5. Applications for iOS / Android. With relatively recently, applications for Androyd and iOS began to enjoy very popular - this is a large market segment where big money is spinning.

Therefore, if you have an interesting idea that will enjoy a wide demand, it is possible to try to create your application.

❗️ For example, there are quite popular applications for the sale of tickets, here you can get quite decent partnerships from airlines.

Even if you do not mean anything in how to create applications, they can be for quite a little money ( 20-30 thousand rubles ) Order on Freelance Exchanges.

Here, as well as everywhere, the key role is played by the idea - it is from her that the success or failure of the application depends on it.

6. Highypes. Highypes - in reality represent the financial pyramid that lives at the expense of the funds invested in it.

Such highups offer very high percentages ( 1-5% per day ) To the invested funds, but of course they can function only a few days or weeks after which they disappear without a trace.

There are Highips that "live" for several months or even a few years, but the yield on them, respectively, at times / dozens of times lower.

In any case, invest in such highups highly risky However, as they mainly earn the creators of these Haipov and a small group of depositors - who managed to withdraw money with profit before the time when Haip turned into a "scam" (stopped paying money).

And yet I don't even advise you to invest in Haip, especially if you do not particularly understand this.

OUTPUT: Online projects are an excellent option for those who want to make money on the Internet. With the right approach, Internet projects can give high yield at a minimum of attachments.

Yield:	Risk:	Payback:	Minimum attachments:
from 30% to 500% per annum	moderate	from 3 months to 2-4 years	from 500 rubles
(⭐️⭐️⭐️ - High)	(⭐️⭐️ - medium / high)	(⭐️⭐️⭐️ - High)	(⭐️⭐️⭐️ - very low)
Pluses and ➖ Minuses:
(+ ) High yield. Invested funds can pay off very quickly.	(+ ) Some projects can be started with minimal investments or at all from scratch, inserting only their time and effort.	(- ) There is a risk that the project will not shoot and will not pay for himself.	(- ) Knowledge will need. It is necessary to easily understand the key nuances of the Internet business.

Option №13: Venture Funds / Investments

DESCRIPTION: Venture funds are especially widely developed abroad, in our country they are not so popular yet, but nevertheless they are a fairly profitable investment instrument.

The essence of venture funds is that they invest out exclusively in projects that are under development (startup) or even at the stage of the idea.

A distinctive feature of venture investment is very and very high yield, they are able to bring thousands of percent!

But on the other hand, only 1-2 of the 10 projects fire and bring huge profits. But despite this, they usually pay off all the investments in "unsuccessful" projects.

☝️ Real example!
The largest applications on today Apple, Google, Intel ... and even the well-known Chinese online store Aliexpress (Alibaba) began with venture investment.

For 2 years, Apple shares rose around 5000 times ! So if you were invested at the stage of business 100 000 rubles, after 2 years your state would be already 500 million rubles .

Investing money in projects in startups can be mostly in several ways:

• crowding and crowdding sites (suitable for beginners);
• venture funds;
• investor clubs.

OUTPUT: Nevertheless, venture capital investments are poorly developed in Russia. Yes, and often requires a large starting capital, and among the seeding platforms (where the input threshold is not high) often there are fraudsters. Meanwhile, venture capital investments are able to bring a very high yield!

Yield:	Risk:	Payback:	Minimum attachments:
from 40% to 3000% per annum	Increased	from several months to 1-3 years	from 10 000 - 100,000 rubles (in venture funds - from $ 500,000)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - High)	(⭐️⭐️ - High / medium)
Pluses and ➖ Minuses:
(+ ) In case of success, you can get the highest profitability.	(+ ) Large tools are not always required to invest at the start of the project.	(- ) Very high risks, most novice projects are unprofitable.	(- ) Fraudes are widely developed - investment sites may be financial pyramids.

Option number 14: Art objects

DESCRIPTION: Another unusual way to invest your money is to invest them in art objects. This is a fairly narrow and specialized market, nevertheless, it can bring good yield.

It is no secret to anyone that certain works of art can cost hundreds and even millions of dollars. And if you really understand art, then you can earn hundreds of percentage of profits on investments.

❗️ The only one is important feature - such investments often require big investments . And besides, to get a good profitability must be investing for a long period ( decades ).

Like attachments to precious metals, investments in art objects are not subject to inflation and eventually it will only cost more

Yes, and the crisis is almost nothing to reflect on the cost of art objects.

OUTPUT: This type of investment is suitable for those who at least understand something in art and is ready to invest money in the long term.

Yield:	Risk:	Payback:	Minimum attachments:
from 20% to 100% per annum	minimum	usually from 1 to 3-5 years	from 100 000 rubles and above
(⭐️⭐️ - medium / high)	(⭐️ - Low)	(⭐️⭐️ - average)	(⭐️⭐️ - High / medium)
Pluses and ➖ Minuses:
(+ ) You can get a relatively high yield at minimal risks.	(+ ) High reliability. Over time, art objects only grow in price.	(- ) Often investments in art require large initial capital and suggest long-term investment.	(- ) You need to be a specialist, possess specific knowledge and experience.

Option number 15: Knowledge and Own Development

DESCRIPTION: How it would not seem incredible, but always the most profitable investment is always an investment (in the development of specific skills, skills, gaining knowledge, experience ...).

It should be understood that first of all it is knowledge / experience{!LANG-4c1dc73e223f5c6f2adb0076ed01b8f7!}

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Yield:	Risk:	Payback:	Minimum attachments:
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(⭐️⭐️⭐️ - very high)	{!LANG-3090522544711fd5ad5f6048aa55306f!}	(⭐️⭐️⭐️ - High)	(⭐️⭐️⭐️ - Low)
Pluses and ➖ Minuses:
(+ {!LANG-f1dcdcd5070b8f3fbb31175515f4b1be!}	(+ {!LANG-34ac3d3fadab6631a70d4ad24ae9a6bb!}	(- {!LANG-9f922fdf89fb742e9d9df9b62e7941d6!}	(- {!LANG-fc811c04ac62fba70da0b2ce1281facc!}

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