Smart investment is the key to a highly prosperous future. By investing free money in promising investment projects, you get the opportunity to significantly increase your wealth. What tools are potentially profitable and what profitability they can bring to a novice investor, we will analyze in detail in today's article.
Sources of investment
The question of where to get free money is asked by those people who are already thinking about their future. As you know, money is not superfluous. Therefore, if you purposefully do not take measures to accumulate capital, then there will be nothing to invest. So where do you get free money to invest?
Consider 3 reliable options:
- Save 10-20% of salary . This option always works. It is important to determine how much can be withdrawn without consequences. If you find it difficult to save money and the temptation to spend it is great, you can start. True, there are not so many options and they are not so profitable compared to investments of 100,000 or more. But you can consider investing small money as a temporary milestone that will lead you to a big goal.
- Borrow money from relatives . Not the best idea, but it has its place. Moreover, parents can donate the initial capital for a good cause free of charge.
- Additional income . As sources of additional earnings, one can consider overtime part-time work at the main place of work or short-term options with low pay. Of course, more work will have to be done. But for the sake of generating passive income in the future, it is worth making an effort.
TOP 17 ways to invest free money
So, you have a small capital and you want it to work. Below is a list of 17 working ways where you can invest free money. You just have to adapt them for yourself and depending on the ratio of income and degree of risk.
1. Bank deposit
It makes sense to invest free money in the bank when you need to save up an emergency reserve just in case. In addition to term deposits, the interest on contributions is quite penny. Therefore, you should not count on good dividends even from a large amount. Anyone who nevertheless decided to place savings in the amount of more than 1,400,000 rubles on a bank account needs to divide it and put in different banks . To in case of default the state reimbursed the investment in full.
2. Securities
Stocks are one of the most attractive, but also the most risky options. As practice shows, it is better to entrust the disposal of securities to experienced professionals, although they cannot guarantee income. The peculiarity of the method is that the upper ceiling of profit, as well as loss, does not exist. In each case, everything is individual. Of course, you can predict the main trend based on past experience, but this does not always work.
Read our review about how to avoid the mistakes that 90% of novice investors make, and.
3. Real estate
A fairly popular method to attach free money. After all, investing means getting the opportunity for quick income and covering mortgage payments with it. However, it must be borne in mind that if the apartment is not rented out for some reason, the money must be paid from your own pocket. In the case when housing is purchased with your own capital, you will receive a stable income with minimal risks. It is most profitable to rent an apartment for offices and other commercial premises.
4. Binary options
With their help, every investor has the opportunity to earn on the shares of popular companies, banks and corporations. The options work scheme is built like this: either you get the maximum profit, or in case of failure, you completely lose it. The risks are high, but so are the rewards can reach 70%.
Earnings on options depend on whether you guess or not whether the stock price will rise or fall in a certain period of time. You can buy them at different times, ranging from 1 minute to months.
Option investment is carried out through a broker and requires knowledge of the basics fundamental and technical analysis.
5. Microfinance organizations
7. Business
One of the most controversial investment options. On the one hand, with the right choice of niche, it can bring the greatest profit to its owner. On the other hand, you cannot hope for long-term income without constant contributions to the development of the project. An alternative solution is a franchise, but here you will face the strict restrictions of the franchisor.
Read a separate post, and you will find out what other pitfalls await you in .
8. Precious metals
13. Own website
Creating a website is one of the most popular ways to invest in this there are a number of reasons:
- small initial investment;
- efficiency of creation;
- you can immediately start earning;
- passive income in the future.
With all the advantages, it should be borne in mind that competition in this area is huge.
And before starting a project, you need to understand all the possible ways of monetization and promotion. Ideally, the investor should deal with these issues on his own, then the income will be maximum.
14. Social networks
The topic of making money on public in social networks does not lose its relevance. There are active discussions on the Internet whether it is still possible to make money on your group or the train has already left. It is difficult to answer this question unambiguously. In any case, those who started a couple of years ago have clear advantage. In general, everything depends on the organizational skills of the investor and experience in promoting projects.
In any case, dealing with social networks on your own, you do not need a lot of money. With a successful set of circumstances, you will receive a good income from the sale of advertising, with an unsuccessful experience, nothing will prevent you from selling a loss-making group.
15. Education
At the initial stage of a career, it is very important to invest in acquiring knowledge. New skills make it possible to establish oneself as a competent specialist and earn more money for a comfortable life in the future.
16. Structural Products
A stable way to invest savings, which gained popularity in the midst of the crisis and is still in use today. The bottom line is to divide the capital and invest the main share of investments (80%) in bonds and the rest (20%) in futures and options. This combination allows the investor to receive up to 40% return on success, and to remain with their funds in case of failure.
Take a look at the comparison table below (click on the image to enlarge it):
Based on it, we can conclude that structured products have the highest profitability with relatively small investments.
The profit may be higher when it comes to, but it is important to carefully monitor the news and analytics.
17. PAMM accounts
Investing in PAMM accounts is a transfer of free money to a trader for temporary disposal in order to increase it as a result of Forex trading activities. The peculiarity of such investments is that deposits are protected from possible fraud on the part of the account holder. In case of loss, losses are distributed among all account participants, including the manager, which is an additional motivation for successful trading.
Conclusion
As you can see, there are many worthy options where you can invest free money. The entry threshold for the listed alternatives is affordable, so you can try all the tools and determine the right one with little or no monetary loss. We, in turn, wish you not to be afraid to try new things, because this is the only way to gain experience and develop investment intuition.
Passive income is the dream of a huge number of people. Many are trying to come up with and implement schemes that would provide a stable income without the participation of the creator. And some people even succeed.
In this article we will talk about how to learn how to get a stable passive income on the Internet.
Is it possible to receive passive income on the Internet without investments?
Indeed, a large number of people have achieved their dream - they have learned to receive passive income. But when other people look at them, they only see the tip of the iceberg. They see Internet entrepreneurs or investors who are not working, traveling and living for their own pleasure, but at the same time they lose sight of how hard they came to such a life.
I want to disappoint those who believe that the Internet has reliable and highly profitable ways of passive income without investments, available to a beginner - there is no freebie on the Internet. In order to receive money on the Internet you need:
- To invest money.
- Invest your own time.
- Invest in self-education.
In order to increase your chances of success, you need to use all these 3 points. Success will directly depend on your diligence and determination.
How to come to passive income on the Internet?
Yes, passive income online is quite real. But we found out that nothing will work without investments. The more money you want to receive in the future, the harder you need to work in the beginning.
To be honest, completely passive income is unlikely. But, at a minimum, you will be able to delegate all your duties to hired employees, devoting only a few hours a week only to analyzing your earnings.
Below we will look at the 7 best ways to earn passive income using the Internet.
1. Sale of advertising on the site.
One of the most common ways to make passive income on the Internet is to create and promote one or more information sites. This method has several advantages:
- High probability of making a profit. If you do everything right, then getting the required number of visitors is easy to predict and achieve.
- Stable results. If the site was promoted by "white" methods, then it will attract visitors without the participation of the owner for one to two years. And with minimal administration and updating for many years.
- Simplicity. It is not very difficult to achieve results in promoting an information site. There are proven step-by-step instructions that will allow you to achieve results without professional SEO skills.
How to make money by selling ads from the site?
One of the easiest and most effective ways to make money on the site is to place ad blocks from Yandex and Google on its pages. You can see these blocks on most information sites that are presented on the Internet.
In these blocks, ads will be shown to site visitors, depending on what queries they entered into search engines and what sites they visited before. This means that this ad will be relevant to visitors, which will ensure a high probability of clicking on the ad.
As soon as the visitor clicks on the ad, a certain amount is deducted from the advertiser's account, which is divided in half between the advertising network and the site owner.
Earnings with the help of contextual advertising strongly depend on the subject of the site and on the number and location of ad units on the page. On average, a webmaster can earn about 3,000 rubles a month from a resource with 1,000 visitors a day.
- Sale of links.
Search engines are actively fighting the buying and selling of links. The result of this struggle was that the rental links market was practically destroyed.
But eternal links are still one of the most effective tools for website promotion. Therefore, a huge number of SEO specialists are ready to line up to buy a link from a quality site.
In order to sell a link, you need to register in one of the exchanges of eternal links, for example: Miralinks.ru and Gogetlinks.net, or sell them directly by posting information about it on your website.
Link Exchange Miralinks.
- Direct sale of banners.
2. Earnings on affiliate programs.
Another highly profitable way to make money on the Internet is affiliate programs. The essence of affiliate programs is simple - attracting potential customers through referral links.
Many companies create multi-level affiliate programs. This means that if the referral attracted by you attracts his referrals, then you will receive money from the company for this. Under such conditions, you can count on passive income, because the more partners you attract, the more money you will receive from their partners.
Where to find referrals?
3. Investment.
It can be said that earnings through investments are the most passive. After all, the very concept of investing is that your money is working while you are resting.
For those who want to try to invest their money and get a stable income from it, I have collected in one article all the best ways to invest and compared them with each other:
In fact, in order to become a successful investor, knowledge and experience are needed. Therefore, for a beginner, it is recommended to choose the least profitable and least risky ways to invest money.
4. Passive income in social networks.
As with your own website, you can earn affiliate income by selling ads if you have a well-established group or social media account.
With today's competition, it is unlikely to be possible to do this for free, because social networks impose a limit on the number of free additions to friends or invitations to a group.
How to recruit members to a group on social networks?
5. Passive income on YouTube.
You can make money on YouTube by earning money for views, by selling ads on your channel, or by posting referral links.
The first way to fill the channel with content is to shoot videos yourself. You don't need professional equipment for this. You can make high-quality video using a regular smartphone.
The video recording method depends on your subject. You can simply record your screen. At the same time, you can shoot your face on the webcam and display it in the corner of the video.
Also, you can make your own video in the form of a presentation. Record the voice separately and overlay it on your slides using a standard presentation program or video editor.
6. Internet business.
Another way to passively earn money on the Internet is to create and automate a business. The Internet makes it easy to automate business processes, which makes it easier to earn passive income.
Of course, at the first stage, you will have to actively participate in the promotion and creation of your online business. But gradually, you will be able to devote less and less time to it, while receiving a stable income.
What types of Internet business exist?
- Online store.
In order to create an online store, you do not have to rent a warehouse and fill it with goods. You can use dropshipping and sell products that are in stock at another online store.
To do this, you need to create an online store. After that, agree with another online store that you will regularly buy goods from them and agree on a discount for the fact that you will buy constantly.
After that, fill your site with goods that are placed in the partner online store. Set about the same prices and start attracting visitors.
To attract visitors, you can use SEO optimization, contextual advertising, social networks, etc. After a client orders a product from you, you buy it in a partner online store and resell it to the client, earning a discount.
You can organize the delivery yourself or arrange for a partner online store to send the package on your behalf.
- Services.
You can choose any service, even if you don't know anything. You can engage in design, legal services, repairs, etc.
To do this, you need to create a selling website or a group or account on social networks. After that, find a specialist in the field in which you decide to create a business. You can hire him for a salary, as an employee, or take him as a partner.
After that, you will split up: you will be engaged in the promotion of the site or group and generate a flow of customers. The specialist will do the work, providing services to clients.
If you cannot find such a specialist, then you can come or call any company and offer to attract additional clients for them, receiving a reward for this.
- Service.
To do this, you need to be an expert in the field in which you plan to build such a business. It can be access to a closed database or a useful service that solves a user problem.
- Infobusiness.
Selling information via the Internet is one of the most profitable types of earnings. The fact is that the monetary costs of creating information products are minimal, and they can be sold an infinite number of times.
The most common type of information products are training courses. In our information overloaded time, it is becoming increasingly difficult to sell information. But with the right approach, this type of income is still very profitable.
7. Newsletter.
Many businessmen note that e-mail mailing is the most effective and profitable way to make money on the Internet. But this is not about spam, but about the case when users voluntarily leave their email address.
You can collect a subscriber base using the subscription form on the site, advertising the capture page using paid advertising methods, changing the e-mail to some useful information, etc. And mailing is carried out using special services, such as Mailchimp.com, Smartresponder.ru, Justclick.ru, Getresponse.ru.
In order for subscribers to willingly read your newsletter and not unsubscribe from it, you need to send them useful information in 70-90% of your letters. And only 10-30% need to send letters with advertising or a call to buy.
Types of passive income - those in which the presence of stable financial income does not depend on daily work activities. Any of us have heard of people living off such income - those who do not have to go to work. They are called "rentiers", that is, living at the expense of rent.
Rent is the income that the owner receives from fixed capital placed in real estate, deposits, securities, etc. "From the same opera" - sources of passive income associated with copyright. By the way, the last option is not ordered to anyone these days. Everything is simple here: having created something once and having fixed the copyright for your own offspring, you will have such deductions for each next sale.
If you are a professional (no matter what area) - you have a real opportunity to monetize your own knowledge. Just record the training course on video or audio and release it to the market.
Why are we not a rentier
Today we will consider options for passive income and its possible sources. Its huge advantage is the release of personal time, which can be spent on favorite activities, family, vacation, household chores, or somewhere else. Anyone who works hard all day at work is almost completely deprived of such a wonderful opportunity.
Managing personal time at your own discretion does not mean spending your life in entertainment establishments, or lying on a warm beach - many people would be happy to do charity work, help the sick and homeless, or create works of art. To start making all these dreams come true, you need the most stable passive income.
Everyone has heard the expression "money to money". What does it mean? Nowadays, a situation is not uncommon when, having a generally good salary, a person "eats" it completely, buys things on credit and borrows money from relatives and friends from payday to payday. This goes on for years and decades.
But why is this happening? It seems that the main problem of such people is that the idea of passive income does not even occur to them. They are not able to engage in the creation of an asset that will continue to work for their well-being. Everything that they earn, these people immediately spend, and thus deprive themselves of the only chance to ever escape from the captivity of financial slavery.
Do you recognize yourself?
Some of these consumers can be classified as "financial zombies". These are those whose asset has long been a negative value. That is, their expenses are greater than their income. Debts accompany them throughout their lives. Having given one loan, they immediately take the next one and so on.
Another category is a little more prosperous (but this does not make it any easier) - it tries to somehow correlate its expenses with the amount of earnings. They sometimes have a set of necessary goods - housing, a car, etc. Most of this was purchased on credit, which puts the owners in a dangerous and unstable position. After all, if any unforeseen financial circumstance happens, their well-being will crumble like a house of cards.
There is progress...
In contrast to the above categories, there are those whose asset can be considered positive. That is, their income is higher than their expenses. Most ordinary citizens from this group prefer not to have debts or minimize them and even have some savings, but such saved finances do not play a fundamental role, since they accumulate extremely slowly and are located either under the mattress, or (at best) on the passbook.
The most advanced of fellow citizens are those who are haunted by the idea of passive income. Such people try to seize every opportunity to invest free funds and create their own additional financial source.
Let's go to the authorities
Many people know such a name as Robert Kiyosaki. This investor and businessman has written a number of popular books on the basics of financial literacy, which will not be superfluous for anyone to read. For example, one of the most interesting and most effective tips of this author is as follows: the mistake of almost every one of us is that, having earned a certain amount, we try to distribute these funds to anyone, but not to ourselves. We pay rent and utilities, but we keep nothing for ourselves. You should start just with yourself by creating your own monetary asset. Subsequently, it will become the basis for investing in a business or other source of permanent income.
Another "pro" in financial matters by the name of Rockefeller once uttered a phrase that a person who works full time has absolutely no time to earn money. For all the paradoxical nature of this saying, its wisdom lies on the surface - indeed, working in the office or in production, each of us is able to earn for himself personally only for current expenses to maintain everyday existence. For actions leading to wealth and well-being, there is neither strength nor free time left.
The conclusion is this: the main resource is time, which is well known to any of the wealthy people. The idea of passive income is based on the correct distribution of this invaluable asset. And only having achieved this, you can start moving towards financial success. Everyone knows that all those who have achieved wealth initially had a specific list of goals. Well, the third, most important component for creating passive income is active, purposeful work over a number of months or even years.
The result should be a legitimate opportunity to quit a job you hate and start living on the dividends.
Passive income: examples and options
Now let's talk about the ways in which passive income is created. All its sources can be attributed to four varieties - investment (or financial), intellectual, marketing or legal (that is, one that is required by law). Passive income in Russia is no different from that in any other country in the world.
We will receive passive income of a financial or investment nature if we invest in a certain financial instrument, which will bring us a certain percentage of profit. Sources of such investment may be in the form of real estate, securities, bank deposits, own business (if acquired) or equipment owned by us, which can be rented out.
The second of the listed options, called intellectual, arises, as mentioned above, through the creation and implementation of any product of mental labor. The information business that is widespread today on the Internet is based on this principle. Many professionals in various fields develop and design their own training courses, then release them for sale an unlimited number of times.
"Partnerships" - an interesting topic
In the same way, it is possible to buy rights to resell a similar product, which can bring no less income. This type of income is called affiliate marketing. Other sources related to this item may be royalties, patents for perfect inventions or developed technologies.
Making money on affiliate programs is an excellent way out for those who do not hope too much to create their own intellectual product - because this saves time and mental resources. You just need to join such a program or acquire the right to resell (resale) the selected book, video or audio course.
Other income without investment
Marketing passive income is one in which you organize your own marketing system or several of them. An example of such a structure could be your own website on the Internet or a personal brand, the right to use which you can also sell. A combination of several of the above strategies is also possible.
What is meant by the concept of a personal brand? This is a commercial use of a famous name. An example is shooting in commercials for movie, television and sports stars. Becoming the "face" of a particular brand, they get good money.
The fourth variety - the legal income of a passive nature - includes all cases when people, in addition to a certain (sometimes not too high) remuneration for their work, receive certain bonuses from the state. This may be, for example, an early retirement with a guaranteed receipt, which is typical for the military, etc.
Going online
Creation of a website for making money on the Internet (or a blog). Nowadays, this does not require a lot of complex technical knowledge and skills. You can make an acceptable site with your own hands by mastering the minimum information that can be easily and free of charge found on the Web. There are many step-by-step instructions and video courses.
Of course, your own blog or website will bring you a monetary return far from immediately. It will take at least six months, and most likely a year or two, to promote it and bring it to an acceptable level. All this time you have to work on your own project on a regular basis, optimize it and bring it to perfection. This work will take several hours daily. However, you can count on the first small revenues in a few months from the start.
Having created and promoted a site, you can sell it, and for a very good amount. It is quite possible for a person who has mastered this technology to organize his own business for the "production" and further sale of profitable Internet pages.
How do they earn money? The most popular ways include generating income by placing contextual advertising blocks and similar articles on resource pages, of course, not for free. Affiliate links are placed on the sites and advertising space is sold, they also actively offer training courses to buyers, both their own and partners.
In a word, there are a lot of ways to use such a valuable resource as a blog or website on the Internet, and there is always the opportunity to choose something that suits you.
For those who are not deprived of intelligence
Creating a product that has the status of an intellectual (such as books, educational videos, new technologies, etc.) implies the presence of a certain talent, as well as a high level of professionalism in any of the areas.
If you are an inventor or developer of an industrial design that has become fundamentally new, then your products of labor can be safely attributed to intangible assets. This term refers to those derivatives of our intellect that generate income in the absence of a material form. Examples are trademarks, brands, or patented inventions.
Let's get down to earth
Income from renting an apartment (or other real estate - if available) is a well-known and very common option. But there are others like it: it is possible to "lease" not only buildings or retail space, but also equipment related to a variety of industries - trade, construction or manufacturing.
Yes, and other expensive items (for example, vehicles) will bring you good dividends. Sometimes it is more profitable to dispose of equipment than real estate. In particular, by purchasing tools and equipment for construction, you really organize a good and quite profitable business based on their rental. The payback of such activities is very high and in time it significantly exceeds the similar indicator for rented real estate.
Do you want to become a shareholder?
Investing in securities (or other financial instruments, which include a huge number of banks, PAMM accounts, mutual funds) is a widely accepted practice these days. Such activity is considered one of the varieties of business.
Replenishing the number of professional investors is not an easy task. This activity is quite complex and requires a competent approach, as well as a fairly serious training. Possession of financial instruments is impossible without a more or less acceptable education in this area, the ability to compare various information flows, take into account risks and predict the situation.
Investing in securities has certain advantages compared to, for example, bank deposits, in the form of a higher rate of return, but at the same time, the high risk of losing invested funds sometimes crosses out all the advantages. When you decide to dive into the world of stocks, mutual funds and PAMM accounts, remember that with the exception of long-term bonds, stable income is not so easy to achieve here, and the risk of incurring significant losses is always quite high.
Everything can be sold!
A relatively simple and, perhaps, generally available option for creating a source of passive income is considered to be participation in network marketing. The amount of initial investment, if any, is not too large and rarely exceeds a hundred dollars.
A necessary condition for those who are trying to succeed in this field is sociability, readiness for contact with a large number of people. In the future, these people - your team - are able to bring money without your participation by organizing their own network, a percentage of the income from which you will receive.
Do you need a lot of money?
The classic and perhaps the best way was and remains the creation of your own business. If this action takes place in virtual reality, that is, on the Internet, global financial investments at the initial stage, as a rule, are not required. That is, such an option is available to people with very limited material resources.
Even earnings without investments are quite real, or you can earn money on the accumulation of a small initial capital right here, on the Internet.
There are a huge number of options for starting and promoting your own business, both online and in real reality itself. In "life", of course, this requires large expenditures and overcoming many difficulties of an organizational and legal nature. In addition, the competition here is very, very high. But still, looking around carefully, you can look after your own niche, not yet occupied by rivals.
What's in real life?
For example, a very promising business with passive income in our time is the purchase and placement in large hypermarkets and other crowded places of machines for various purposes - from payment terminals to units for selling coffee and pies. Such a business is called vending. A person purchases and installs machines at his own expense, which then bring him a constant and stable income.
In a small article, we do not have the opportunity to consider all types of passive income - there are very, very many of them. Its options are offered to us today by the mass media, and the Internet has been and remains their indispensable source. We want to end our material with important tips.
A few parting words
- At all costs, try to regularly carve out the time left from the main work, which you will spend on creating your future asset. Think constantly about how you can best use it. Your goal is to ensure that earnings from your main place of work do not remain the only source of money for you. You must find sources of passive income that allow you to make a profit more than once or twice.
- Do not limit yourself to creating a single such source. There can and should be several options for passive income, and the more, the better. After all, there is always a risk of losing one or most of them. In this case, losses will be compensated through parallel channels. You can see the importance of this postulate by reading about multiple sources of income by Robert Allen.
- Don't forget self-education. Knowledge is an asset that won't hurt anyone. To understand the world of finance, to understand how money is made, where it comes from and where it goes, is no less important than coming up with an interesting idea for investing or successfully being in the right place on time.
The principles of creating passive income do not carry any special secrets. If you are determined to succeed, have the necessary minimum knowledge and some free time, the result will most likely please you sooner or later.
How to create passive income - 14 working ways + 12 tips for beginner businessmen.
To answer the question: how to create passive income, you need to understand how passive income mechanisms work, how money is accumulated in the account, and also what to do in order to start earning money without investing your time and effort?
Features of creating passive income and its difference from active
The main difference between passive income and active income is that it does not require investment of time and labor.
Money comes into the account by itself.
Of course, in order to ensure that profits enter your account, you will have to make an effort, but they pay off and bring money in the future.
Active income requires constant work, visiting the workplace and fulfilling one's duties.
To receive passive income, you need to perform certain actions once to receive it.
Receipts will occur over a certain period of time.
To get rich, you must have at least 1-2 sources of passive income, in addition to the main income received from a full-time job.
Many talk about this in their books and interviews.
When creating several sources of profit, you can completely leave your work activity “to your uncle” and start your own business.
How to Create Passive Income: 14 Best Ideas
Government payments.
They can be received by the disabled, large families or people who have retired due to age.
Bank deposit.
Investing money in a bank against a deposit is not a great passive income, but for the most part allows you to save money.
However, with a large amount, it is quite possible to receive not at all extra 3-10 thousand per month.
Sale of securities and mutual funds.
A good option for a long-term investment of capital with a view to making a profit.
However, it must be approached very carefully.
Gather all the information on the organization in which you invest your money.
The income from shares becomes large only after about 7 years have passed since their acquisition.
Own business.
A very good option for obtaining passive income, but it requires a lot of effort and time before it starts to make a profit.
Venture investments and profit.
To receive venture royalties, you need to invest in a newly opened company.
After a few years, you can start to receive a very substantial amount, depending on the amount of the contribution.
Investing money in investment and trust organizations.
Profit is formed through the redistribution of capital.
However, in this case, the risk of losing your investment is high.
Acquisition of housing under construction and its sale after construction.
A profitable option if there are funds for the purchase of one or more apartments under construction.
You buy it for 500,000 rubles, and sell it for 1,000,000.
However, most likely, you will have to make repairs, at least cosmetic.
When choosing a builder, you should be extremely careful.
Buy housing only from reliable, well-known developers that have been operating in the housing market for several years.
Create your own website or blog on the Internet and promote it.
In this case, passive income is achieved by paying for advertising.
On average, on one site, a beginner can earn about 12,000 rubles.
And you can sell a site where the total number of visitors exceeds 5,000 people for 200-250,000.
You can not only earn passively on this, but also build a highly profitable business.
An alternative to the site is maintaining a VKontakte group.
One, well-promoted group can bring the owner from 8 to 15,000 rubles a month.
What if there are five such groups?
Sale of own seminars and training courses.
This option is suitable for those who graduated from a higher educational institution and have a diploma with the right to teach.
The hardest part is recruiting listeners.
However, if the topic is interesting, people will find you.
To write a book.
The royalties from the work go to the author until the book is withdrawn from sale.
Create an intellectual product.
For example, a computer program.
By obtaining a patent for it, you can also receive regular royalties from sales.
Or a car.
Even a one-room apartment can generate income comparable to the average monthly salary of a citizen in Russia.
Renting a salon, a hairdressing place.
The average price of one seat in a salon per month is 8,000 in a small town, and a salon is more than 20,000 rubles.
Finding the best option from the many existing ones is not a matter of one day.
You should carefully consider the actions, evaluate the initial capital and decide what is best for you.
Many people, thinking about how to create passive income They don't want to do anything about it.
However, at the beginning you will have to work hard in order to reap sweet fruits in the future.
12 Tips for New Business Owners to Create Passive Income
To become a free person in terms of finances, not to depend on the opinion and mood of the employer, you will have to work hard.- To become a wealthy person, strive to create several sources of passive income.
- Improve your financial literacy.
- Break your cash capital into several parts and invest in different projects.
- Find a mentor or coach who has already walked your path and will give you some ideas.
- Be prepared for the fact that in order to create a good passive income, you will have to work for some time, invest not only money, but also time and effort.
You are always looking for the best option for investing and starting a business.
Look for new assets that will later turn into liabilities.
Be an educated person, read books, attend courses and lectures.
Lead the life rich people lead.
Before investing, explore all options, do not invest money at random.
Always have on hand the necessary documents confirming your investments in a company or bank.
Calculate the risks of losing invested money.
If the risks are minimal, take the risk.
However, if intuition and common sense scream that the investment is not worth making, stop, no matter how profitable the offer may seem.
Think about your future every day.
Decide what you want to achieve.
Open your site on the Internet and develop it.
With a lack of capital, the site can be sold for a good amount of money.
Don't try everything at once.
Focus on one project, and when you're done, try another.
Inflaming several projects at once, you can get confused and lose investments.
How to create passive income online?
Organizing your own financial project is a great way to create passive income.
You can open a business both in real life and on the Internet.
If there is no initial capital, or it is relatively small, the option of creating a business on the Internet is preferable.
Choose the job that works best for you.
This may be the creation of websites, the administration of a group in social networks, copywriting, Forex trading.
To start trading on the Forex exchange, you need to go through a month-long training and make several trial trades.
At the initial stage, invest the minimum amount and develop.
Robert Kiyosaki talks about how to create passive income in a video:
How to create passive income and gain financial freedom?
In books on self-development, achievement of success and wealth, millionaires give advice on achieving financial freedom.We have selected the best ideas:
In order not to remain poor all your life, find time to create passive income, even while working at your main job.
In a month or a year, these efforts will more than pay off.
Always strive to create as many sources of passive income as possible.
When you get a profit, invest it again.
Develop.
Financial literacy is a prerequisite for those who want to get rich.
Start at least by reading the books of the world's millionaires and billionaires and follow their advice.
People who think about how to create passive income are already one step above the rest.
Move forward, apply the recommendations we have described and become a millionaire.
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Since the publication of the works Tim Ferriss And Roberta Kiyosaki such a concept as passive income"turned into some kind of mystical thing that makes it possible to start a rich and free life for everyone who can get it.
No wonder so many are tempted to get their hands on this Holy Grail. But before you start acting, it is better to consider in detail what passive income is and how it works.
What is passive income and earnings
In simple terms, passive income is creating something ( material or intellectual value), which will allow you to receive money indefinitely without further human participation.
How to create passive income?
The simplest examples of passive income are book authors. They can spend a few months writing a novel and then get paid for decades for every copy of that book sold. They create value, which then works for them.
However, this was too narrow a definition.
According to an authoritative publication Investopedia passive income is "earnings that an individual earns from a rental property, limited liability partnership, or other business in which they are not actively involved."
True passive income is income that does not depend on the obligatory performance of any regular actions and comes even if its owner does nothing at all.
Popular culture in Russia defines passive income in rubles as " any money that can be made lying on the beach and sipping a cold mojito», but this is a delusion.
For example, a well-known US financial coach and expert Todd Tresidder notes that today passive income can be considered any income that requires minimal effort after the initial investment of time or money, and works in accordance with with the Pareto Law - « 20% of effort gives 80% of results».
Before you think about how to create passive income, you need to understand about active income.
What is active income?
Active income is the reward a person receives for the work they do. Regardless of the profession, if a person spends his time and effort in exchange for money, this is active income. Earning options may vary lawyer, doctor, bartender, loader, copywriter, correspondent for a print or online publication), but the principle remains the same.
- The principle of active income: worked - ate.
- The principle of passive income: worked - ate today, tomorrow, the day after tomorrow ...
The main point of creating passive income is to invest or work hard at some point, and then, without putting much effort in the long run, reap the fruits of your labor. Since there are a lot of different options for passive income, it is worth talking about each of them separately, highlighting a few of the most common and accessible to everyone.
Types and sources of passive income
Today there are a variety of ideas, examples and options for sources of passive income. However, it is important to immediately realize the fact that this will not be so easy to do. Otherwise, most of the hired workers, who are forced to work hard "from start to finish", would have long ago left for free bread. For those who are still determined, it makes sense to pay attention to such sources of passive income as:
- bank deposits;
- valuable property and real estate;
- securities;
- participation in mutual investment funds;
- creation of intellectual property;
- creating and optimizing your own business.
Each of these areas and ideas has its own ways of passive income. And choosing the path closest to him, everyone can get acquainted with them in detail.
IMPORTANT! The biggest and easiest money is earned on the desire of a person not to work, so on the Internet you can find thousands of offers from scammers, so when creating passive income, be guided by its legality, adequacy, reliability and simplicity, where it will not be possible to deceive you.
Stocks as a source of passive income on the Internet
For example, if you start from $3000 and monthly report $300 at 50% per annum, then in 11 years you will already have $1 000 000 !
You invest $3,600 a year for 10 years and get a million dollars in return.
1 year $8,565
2 year $17,362
3 year $30,558
4 year $50,351
Year 5 $80,042
6 year $124,577
7 year $191,381
8 year $291,586
9 year $441,893
10 year $667,355
11 year $1,001,032
Look at the graph of this passive income option on the Internet for clarity:
A stock portfolio is a great option for passive income, it is understandable and adequate, and for most people it will be an interesting way.
Here you can find hundreds of European and American stocks, commodity futures, energy and other assets.
One way or another, stock prices go up all the time, and companies that more and more people know about grow hundreds of times.
Over the past 3 years, only one has grown by 300% . This is the most advanced and legal passive income on the Internet.
Valuable property and real estate
This type of passive income includes:
- real estate;
- precious metals and stones;
- antiques;
- art objects;
- collectibles (coins, stamps, books, vinyl records, etc.).
But you need to understand that in order to develop such a business, you need to have not only start-up capital, but also the necessary knowledge. So you have to find experts and at first involve them in business.
How much can you earn this way? Depending on the chosen direction and market conditions, the yield may be from 15 to 70%. It looks good, but keep in mind that investing in real estate, precious metals, as well as luxury items and collectibles are not passive income in the classical sense. yes it can fit Pareto Law, but nevertheless, a person is required to:
- careful study of current market analytics;
- ability to choose liquid assets;
- careful monitoring of tax affairs;
- the ability to find and attract customers.
There is one more thing - it is desirable to invest for a long time. The real "exhaust" can only be obtained in 5–10 years. During this time, an apartment bought in a new building may rise in price by 30–40%, and various antique values and even more. This type of passive income basically does not require anything from you - you bought it and keep it, and after n amount of time you sold it.
For example, Andy Warhol's Lemon Marilyn was bought by an investor in 1962 for $250. After 45 years, it was sold for $28 million.
Earnings on PAMM investment
For those who are not well versed in stock trading, investment solutions from offering such opportunities as automatic copying of transactions of successful traders or.
The bottom line is to invest in managers on the currency exchange. Traders will take a small percentage of the profits, but they will also make money for you. Thus, it benefits everyone.
In order to make it easier for users to choose the most suitable option, all brokers provide a manager's profitability rating, where you can clearly see their success both in the short and long term.
The profitability of investments in traders largely depends on the professionalism and the situation on the markets and may fluctuate from 30 to 150% per annum and you don't have to do anything yourself.
Creation of intellectual property
The most soft for those who want to create a passive income from scratch.
For people with valuable knowledge, experience or good creative abilities, passive income without investment can be obtained through
- audio creation,
- video,
- charts,
- text materials of artistic or scientific content.
There can be a great many ideas for this part:
- writing books
- scenarios
- music
- software
with the subsequent receipt of both royalties for the work itself, and royalties, which will be paid whenever others want to use your work.
And although large amounts of earnings do not shine here for everyone, the availability of methods makes this direction very attractive.
Bank deposits
The most popular and simple passive income in rubles is opening a bank deposit.
That is, in principle, you can put money in the bank and live on one percent. The main advantages of this option:
- extreme simplicity of the process;
- you don’t have to do anything at all (just come to the bank, conclude an agreement and give the money to the cashier);
- relatively low risk of loss.
However, there are also negative points. The first is more than modest profitability. The average rate of large banks is no more than 7-8% per annum. Lesser established institutions offer 8–11% in rubles or 2-3% in dollars.
In order to earn at least $1000 per month at a bet in 2% per annum, you must already have 600 thousand dollars, which will always lie on the deposit "dead weight".
Creating and optimizing your own business
Any business is painstaking and hard work. But only for the time being. According to the American financier Tim Ferriss The success of any business is determined by its return.
- Its first phase involves a solid cash injection and constant control by the owner. It takes about 4-5 years. In some cases, up to 10 years.
- After that, the business evolves into the second phase and comes into line with the already mentioned Pareto Law - it provides its owner with 80% of the result with 20% of the effort. At this stage, there are no longer any problems with how to create a passive income based on it.
A business owner can shift the lion's share of worries to the management staff, and he can concentrate on things that are interesting to him or other promising business.
How to get passive income in Russia
It is not much more difficult to organize the creation of passive income in the Russian Federation than in any other country in the world. However, there are also some nuances. Russia, for example, cannot be called " safe harbor”, therefore, investing in shares of Russian companies in the long term requires particularly careful calculations and a willingness to quickly look for new solutions. However, nothing prevents you from buying shares of foreign companies through or.
The real estate market here is also notable for its heterogeneity. For example, if by 70% territory of the Russian Federation, real estate prices behave predictably and in accordance with global forecasts, in regions such as MSC or St. Petersburg predicting price movements is sometimes very difficult. During a period of general boom, relative calm can reign here, and vice versa, when there is a crisis and stagnation everywhere, the volume of real estate transactions in Moscow, for example, can go off scale.
As a conclusion
As you can see, passive income is real, however, it is not always passive on 100%
, as some authors of various trainings and training materials who are not too honest at hand like to say.
Nevertheless, in any option of passive income, it will not have a boss in front of you, a work schedule, and in the case of passive income on the Internet like stocks or trust management - a territorial binding.
A lot needs to be done at first initially unpaid) work to get a profit and get a stable inflow of money.
Passive income has many benefits, but like everything else, there are trade-offs. Initially, it is difficult to get a lot of return from it, so you will have to put up with the need to go to a regular job, and maybe even more than one, in order to raise money for a start. And only those who are ready to mobilize efforts and forget what laziness will be able to succeed here.
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