How to make money passive income. How to create passive income from scratch? Proven Ways to Become Financially Independent

Passive income on the Internet interested in a large number of citizens of our country. This is not surprising, since the desire to improve your financial situation has been held in high esteem at all times. Making money on the Internet raises a lot of questions, not everyone will be able to get the desired profit. Obstacles and difficulties will stand in the way of success. It is not so much luck that matters as the ability to learn and listen to the advice of professionals.

What is worth knowing about passive income on the Internet and without it?

Passive earnings often require a lot of effort and time. The user has to face insurmountable obstacles that not everyone can withstand. Because of this, grievances and rumors arise that it is impossible to make money on the Internet. Today we are ready to debunk this myth by talking about the most popular and easy ways of passive work.

Important!!! The unstable financial situation, frequent reductions and reductions in wages and salaries lead to the implementation of passive earnings. As long as these trends persist, users will look for new sources of income.

Our article is aimed at collecting information about all known facts of earning through the Internet and without it, we will consider:

• What is passive income and what is its difference from active.
• What is meant by the concept of "wealth" and how it can be achieved by a poor person.
• Sources and types of passive income.
• Creation and receipt of passive income via the Internet.

Thus, we will consider the entire financial component of successful earnings through passive sources.

Our article was created for those who want to:

1. Become independent from routine office work.
2. Self-actualize and show others your capabilities.
3. Provide a decent life for yourself and your loved ones.
4. Guarantee yourself a comfortable old age.
5. Reach a previously compelling financial goal.

If at least one of the points suits our reader, the article will help answer all the questions of interest.

What is passive income

Passive income, unlike active income, does not require constant control and participation on the part of the owner. It is created only once, while the owner receives income all the time.

Important!!! Success in your endeavors largely depends on preparation. Read thematic books, publications, listen to the opinions and recommendations of professionals.
Never ignore reading the additional information, it will help you determine the best sources of income, as well as find the right approach to them.

What is the Difference Between Poor and Rich

Kiyosaki believes that a rich person is primarily determined not by how much he can earn, but how much money remains with a person and whether they are enough to provide for future generations. This statement is based on the inability of some people to spend money.

Instead of saving and creating savings, many spend it on entertainment and other unreasonable expenses. As a result, a person is left behind the edge of poverty and falls into a financial abyss.

But all the extra funds could be put into a personal business, creating passive income.
Thus, the main difference between poor and rich people can be distinguished - rational thinking and restraint in spending money.
A rich person spends less than he earns. The rest of the money he can use for self-development or his own business. He also seeks to find ways to earn money that do not require constant monitoring, while bringing a stable income.
Many may say that such statements do not apply to the realities of Russian life. But, in our country there are also many rich people who were able to rise from scratch. This primarily speaks of real opportunities that everyone can take advantage of.

Sources of passive income

Sources of passive income can be roughly divided into four groups:

• Passive income from intellectual property. This means writing books, paintings, musical works, creating inventions and other products of intellectual activity. Profits will come from their publication and registration of patents.
• Passive income from financial investments. If you have savings, you can buy securities, real estate or a ready-made business, it is also possible to create deposits. Such earnings will help to get a stable income with a small infusion of money supply.
• Passive income from marketing activities. This type of earnings does not require material investments. It means the promotion of third-party resources or products. Vivid examples are network marketing (Orifley, Avon) and the sale of information products. With the right approach to business, they will bring good profits.
• Passive income from the state. This type of income is rarely considered, but it has a right to exist. It includes some government benefits, scholarships, pensions, subsidies. You just need to find the official ways to get them.

The above list is a summary list of all possible ways of passive income. We propose to consider the most real and profitable of them.

Best Passive Income Ideas

There are many interesting passive income ideas out there. Each of them deserves attention, but it is simply impossible to tell about all of them at once. Therefore, it is worthwhile to separately discuss the most popular options for today.

TOP-7 profitable ideas for passive earnings

1. Development of your own website.

It requires a lot of effort and expense to create and maintain. With their own experience and knowledge, the owner can create a resource on his own. Otherwise, you will have to contact a specialist. It is worth saying that any costs will be justified with the right approach to business.
It is not enough to create a site, it needs to be filled with thematic articles and pictures. They should be unique, grab the attention of users and make them visit the site over and over again. As their number grows, so will the income of the site owner.
You can make money on the site using:

• Selling eternal links.
• Posting advertisements from third party companies.
• Participation in affiliate programs.

The promoted site will be interesting for advertisers. They themselves will find a way to contact the owner to discuss the terms of advertising on the site.
Affiliate programs will help you earn money by attracting new users to the system, as well as making a profit by performing certain actions by visitors. For example, it is possible to place an advertisement for an online store, as soon as the user clicks on it and makes a purchase, the site owner will be charged a percentage of the total amount.
You can also earn money by selling it. The total cost, as a rule, is several times higher than the amount of the initial investment.
The site owner should also not forget about the need for its periodic promotion. Only this will give confidence that users will not lose interest in this site.

2. Creation of an intellectual product.

A creative person may try to get passive income from the fruits of his intellect. As mentioned above, this can be a book, a scientific invention and other works from intellectual activity. You can sell them one-time or use a clever marketing ploy and get a stable income for a long time.

3. Renting out the property.

The owner of an apartment, house, dacha, car, can make great money by renting them out. This will also apply to passive income, which practically does not require an additional injection of money. You can even rent out personal items (wedding or cocktail dress, suit), jewelry, furniture or construction tools. It will not be difficult to find clients, you just need to determine the price and place an ad on one of the electronic boards.

4. Receiving payments from the state treasury.

Not many people know that there are government programs to support a novice businessman. All you need to get them is drawing up a profitable business plan and presenting it in a favorable light. Money can be directed towards the idea of ​​passive earnings. Also, this category includes social benefits, a certificate for maternity capital, and so on. If desired, they can be postponed and further spent on the development of a passive business.

5. Financial investments.

Require free funds (savings). Financial investment implies a serious approach to work, it is desirable to have an economic education and analytical thinking.
Financial investments are always associated with risk, so the investor should soberly assess the situation. Funds can be spent on:

• Purchase of real estate.
• Purchase of securities or other assets of the company.
• Purchase of a ready-made business.

Holders of small savings should use the second option, i.e. purchase of securities. As a rule, shares of newly created, but promising, companies are inexpensive. In the future, they can bring good income.

6. Network Marketing.

Refers to passive income without investment. It implies participation in the sale of a certain product and receiving a percentage of profit from it, it is also possible to attract new partners to the system.
Network marketing is gaining more and more popularity every year. It allows you to open your own mini-business, getting an excellent source of passive income. The only thing you need to know is how to choose the right company. Here it must be remembered that a reputable organization will never ask for prepayment.

7. Setting up your own business.

There is nothing more profitable than having your own business. It doesn't have to be a huge undertaking that requires a lot of investment. You can start from scratch with a small initial capital. For example, online business has just begun to gain popularity. Today, there are still some niches open that can be occupied, successfully advertised and made a profit. We will talk about similar ways of earning further.

Internet passive income options

Considering the Internet as a subject of passive income, you should choose a goal for yourself. It can be making a small profit one-time or periodically. You can achieve the first by registering on social networks and quick-earnings platforms. They offer pay for clicks, conversions, and more. However, the profit will be marginal.
Second option provides for a gradual increase in income by developing your idea. It takes effort. Here the user must understand that high income cannot be achieved without difficulty.

Internet earnings options 2018:

• Sale of advertising space on the site. In one of the sections of our article, we have already talked about this type of earnings. It is based on paid advertising of third-party resources. Here it is necessary to have a site with good traffic and reputation. Payment is made once or monthly. The latter is the preferred option.
• Earnings on affiliate programs. Many online stores offer their customers to participate in an affiliate program. All you need is to go through a small registration and distribute affiliate links to the store. This can be done through social networks or thematic forums. The amount of income will directly depend on the total amount of purchased goods by buyers who followed the affiliate link. It is enough to leave it on any site once, while the income will come on a long-term basis.
• Investment. This implies a variety of ways of earning. It can also be the acquisition of a site, an investment in its development, the purchase of securities, and so on. The most promising direction is participation in trading on currency exchanges. They do not require constant monitoring, it is enough to choose a convenient time for yourself, buy currency, and then sell it at a favorable rate.
• Social media income. Contact, Instagram, Odnoklassniki and other social networks are a good option for making money. You can get income by creating your own group. A large number of subscribers will lead to organizations wishing to advertise on a paid basis. All the owner of the group needs is to create it, fill it with relevant information and support it in the future. At first, you may have to invest in advertising on third-party resources, this will make it possible to attract the attention of users to the public.
• Profit from the YouTube channel. Popular video bloggers earn several hundred dollars every day, sometimes this amount is thousands. Everyone can try this type of earnings, you just need to open your own channel and post interesting videos on its open spaces. With the growth of their views, the chances of making a profit will increase.
• Creation of an online store. Own business on the Internet, unlike a real one, does not require renting premises and investing large costs for the purchase of goods. You can open your store as a group on social networks. The goods will be purchased for customers' advance payment. The difference between prices remains in the pocket of the store owner.
• Information distribution. Almost every popular site invites its visitors to subscribe to a free newsletter. It can be used to advertise your services or a third party company. Many organizations are willing to pay good money for this kind of advertising.

On the list above, making money on the Internet does not end there. It is quite wide and varied. We have discussed the most beneficial ones.

To sell something you don't need, you first need to buy something you don't need, but you have no money. Passive income means making a profit from previously invested assets. Here, under assets, not only cash is considered, but also your various opportunities that will allow you to receive passive income without money. What are these passive income business ideas? Read on.

You need to understand that in order to create passive sources of income with constant and stable profit, you need to work hard enough, think, actively invest in the business. However, in any case, a correctly built scheme of passive profit will "recoup" all previously invested funds.

Financial investments are the best passive income

Financial investments as a passive business became known immediately after the appearance of money. Now, this type of passive business does not lose popularity, and is in the first places of any list of ideas for a business with passive income. This type of business is simple - invest money and make a profit. However, this simplicity also brings with it disadvantages - financial investments are a highly risky type of business, in addition to risks, passive income directly depends on the invested funds and their amount, so $ 10 will not bring $ 1000 in a month (unless, of course, you want to get an honest and stable income).

Among all possible investment methods, we single out - investing in PAMM accounts... This is a fairly new way of investment with stable high percentages of return on investment from 20% to 90% and minimal risks with a competent approach. You can read in more detail in a dedicated article.

But, nevertheless, authoring can cost money and bring passive income. This is not about making a musical hit, a movie or something similar. Although, if you know how ... It will be about copyright for a computer program, information business or photography.

Computer program. If you have programming skills, know how to build algorithms and solve other extensive problems, you can write a useful program that other users will acquire for money, the more popularity your program is, the more passive income you will receive. We recommend that you pay attention to the creation of programs and games for popular mobile operating systems - Android, iOS, Windows. Programs and games for these platforms have extensive monetization opportunities - from purchasing the program itself to embedded mobile advertising. With the growing popularity of your mobile program, you will receive a stable source of passive income.

Information business. It is much easier here than in the previous method. You just need to apply your area of ​​expertise in the right and necessary direction. How it works? If you have knowledge, then you can easily sell it in the form of consultations, informational assistance and courses. You can sell them in offline business, which denies passivity - you need to drive, answer calls, and so on. Or you can create your own information channel - paid periodic mailings, webinars, participation in information sales platforms. With a successful combination of circumstances and the right approach, once the created material can be sold endlessly, maintaining its relevance.

Read also:

The photo. Having a talent for photography or not possessing, but having learned, you can sell copyright photographs many times through special exchanges. It can be thematic photos - look at photobanks with wallpapers for your desktop, events - news, etc., and spontaneous - natural events.

Lots of news projects, publishers and other writers are willing to pay for a good photo to accompany their story.

Hello, dear readers of the SlonoDrom.ru magazine! Almost every one of us sometime thinks about where to invest money so that they work and bring a monthly income ??

There are actually a huge number of investment options! Not all of them are effective, and what to hide often there are simply fraudulent organizations whose sole purpose is to get money and hide with them forever. I know about this firsthand !?

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

You will also learn about where you should not invest your money, so as not to lose it!

And most importantly, I will share with you my life experience , specific examples and useful tips that will allow you to invest money correctly and get high passive income !?

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

Plus you will learn:

• What are the investment options, what is their profitability and which one to choose?
• Where can you profitably invest your money on the Internet?
• How to invest money correctly so as not to burn out?
• And also about where it is better not to invest your money!

Sit back and we'll get started! The article turned out to be a bit long, because I tried not to miss anything important. I hope I succeeded !?

1. What is important to know about investments?

First what you need to know before investing your money anywhere is that you need to invest only your own free funds ! In no case do not invest money that you desperately need, and even more so do not go into debt, loans and credits.

Nobody gives an absolute guarantee that you will increase your invested money! There is always a risk of losing money, even if it is an investment with a high guarantee (for example, government bonds or bank deposits).

This must always be remembered, because investments can bring both profit and loss!

Secondly, before investing your money somewhere, you need to actually assess what kind of risks and what profitability can be obtained from one or another attachment.

Usually the risk is proportional to the 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, he who does not take risks does not earn. It is always necessary to take a meaningful risk !?

In order for you to decide for yourself whether or not it is worth investing in one or another investment option, we will analyze each of them based on the following most key parameters:

• profitability,
• risk,
• payback period,
• minimum investment amount.

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

Thirdly, in order to reduce risks, it would be logical to diversify your investments, i.e. distribute the entire investment amount into parts depending on the risk and invest in different assets.

For example, you can distribute like this:

1. conservative portfolio (bonds, real estate, precious metals ...) - 50% of all funds;
2. moderate portfolio (Mutual funds, shares, business projects ...) - 30% of all funds;
3. aggressive portfolio (foreign exchange market, cryptocurrencies ...) - 20% of all funds.

❗️Important:
You do not need to invest all your money only in instruments with very high profitability, since in this case the risk of losing your money will also be very high!

And many people, on the contrary, strive to get the maximum income, but at the same time completely forget about the risk. And as a result, due to greed, they are left with nothing.

Investing is primarily about risk management! First of all, you need to take care not to lose money. Profit is the second thing.

And if you still have little or no experience in investing yet, then start investing with minimal amounts and avoid high-risk assets.

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

2. Where better to invest in 2019 - TOP 15 profitable investment options

So, let's finally consider the options and decide where you can profitably invest your money so that they bring income!

Option # 1: Bank deposits / savings accounts

DESCRIPTION: The easiest and most affordable investment option for everyone is ordinary bank deposits (deposits). In Russia, the annual interest rate on them is on average from 6% to 8%.

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

How to make money on the growth of stocks - an example of Google

For 3 years, Google shares have grown by more than 100%!

For these purposes, the so-called "individual investment accounts" (IIS) are suitable, which, for example, can be opened in Finam or BCS (and even in the same Sberbank).

In addition, if you invest money for at least 3 years, you will be able to receive a personal income tax deduction (13%), that is, in fact, you will not need to pay taxes on income! Such preferential terms were developed by the state to support and develop investment in the country.?

But naturally there are many nuances that must be considered when investing in stocks. Risks are always and everywhere - you should not forget about them!

The biggest risk for stocks (for those who bet on their growth) is the financial crisis! The rest of the time, shares are generally growing steadily and show good returns.

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

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

If you do not want to personally engage in investing, then there is an option to entrust your money to a professional manager. But I will describe this in detail below.

CONCLUSION: With proper management, shares can bring good returns, several times higher than the interest rate on bank deposits. But at the same time, they belong to more risky assets.

Profitability:	Risk:	Payback:	Minimum investment:
15-100% per annum (change in share price + dividends)	depends on the strategy	1-7 years old	from 5-10 thousand rubles
(⭐️⭐️⭐️ - medium / high)	(⭐️⭐️ - medium / high)	(⭐️⭐️ - medium)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) With minimal / moderate risks, you can get a relatively high return.	(+ ) High liquidity - at any time, shares can be quickly sold and money can be got in your hands. Low entry threshold.	(- ) Knowledge is required. Uncontrolled risk and "flirting" with the market can lead to significant losses.	(- ) In the event of a crisis, shares can seriously and in a short time fall in price.

Option # 4: Bonds

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

Along with bank deposits, bonds are considered one of the simplest investment instruments. But unlike bank deposits, the rate on bonds is significantly higher.

For those who do not know, a bond, in a simple way, is an IOU. Only large companies and states can act as borrowers.

? By the way, Sberbank and VTB24 recently started selling national government bonds.If you invest for 3 years, then you can, on average, get a profit on them in 8.5% annuallyX .

I agree, not very much, but the rate is certainly better than most of the bank deposits currently available. Moreover, in the future, the rates on deposits may decrease.

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

At the same time, you can invest large funds in bonds, since the security of funds here will be higher 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 of percent ... But such bonds have a low credit rating (for which they are called "junk bonds"). Although they are capable of generating a fairly high income, they are a very risky investment.

Bonds, just like shares, can be bought through an individual investment account (IIA) without the need to pay income tax (if you buy them for a period of more than 3 years).

CONCLUSION: Bonds are suitable for those looking to earn an average yield with a relatively high guarantee.

Profitability:	Risk:	Payback:	Minimum investment:
from 7% to 15% per annum (for risky ones from 30% to 100% and above)	depends on bonds (for government bonds - very low)	7-12 years old	from 10 thousand rubles
(⭐️⭐️ - medium / low)	(⭐️ - low)	(⭐️⭐️ - medium / low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) Optimal profitability combined with low risks. You can sell bonds at any time without losing income.	(+	(- ) Relatively low profitability compared to stocks and some other assets.	(- ) There is a risk of bankruptcy of the issuer (especially for bonds with a low rating). The lower the credit rating, the less credibility it has.

Option # 5: Forex

DESCRIPTION: Forex is essentially a foreign exchange market where you can buy / sell a particular currency. This can be done both through banks and online with the help of specialized brokers (where, by the way, the commission is 10 times less).

Example!
For example, you bought 10,000 dollars at the rate of 57 rubles / dollar - as a result, you invested 570,000 rubles in dollars. After a while, the rate reached 60 rubles for 1 dollar, and you sold dollars.

As a result, after the exchange, you received 600,000 rubles, and the income, respectively, was 30,000 rubles(of which the broker's commission is about 600-800 rubles).

You can trade on Forex either yourself or give money to the management of professional traders (this will be described in detail in the next section of the article).

When trading currency on your own, it is very important to have trading experience from knowledge of the foreign exchange market ... Climbing into the foreign exchange market just like that, in the hope of easy money is not worth it (and when did I do exactly that?), As this usually leads to serious losses.

It is important to note that in personal trading, you need to follow a proven trading strategy, otherwise the trade is likely to turn into a casino and lead to a sad outcome known in advance.

But on the other hand, if you observe risk (money management), manage emotions and trade solely by strategy, then you can really make good money on Forex. But this needs to be learned!

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

As for me, one of the most effective trading strategies for day bars is Price Action. Many articles have been written about her on the Internet - read it to anyone interested!

Among reliable brokers, you can choose, for example, Alpari or RoboForex.

CONCLUSION: The Forex market is more unpredictable than the stock market, and therefore more risky. Nevertheless, with skillful investment, you can get high returns. For those who are not ready to seriously study, this option is not suitable - it is better to consider PAMM investing. This will be discussed below !?

Profitability:	Risk:	Payback:	Minimum investment:
from 15% to 100% per annum and above	depends on the strategy (initially has a high risk)	1-7 years old	from 100 rubles
(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) With an effective strategy, you can get high returns.	(+ ) Low entry threshold and availability.	(- ) High risks, especially for beginners. It is possible to lose significant money in a short time if the risk is not managed. 99% of newbies lose their money.	(- ) Training required: specialized knowledge and experience, as well as the ability to manage emotions. There is no guarantee that you will make a profit in any given period.

Option # 6: PAMM accounts, PAMM portfolios, trust management and structured products

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

That is, in this case, you entrust your money to traders - those who are professionally engaged in trading in the financial markets.

All you need to do is to distribute the initial investment amount into parts (preferably at least 5-10) and invest in various managers.

For example, the broker Alpari, which I already mentioned above, allows this. The entrance threshold here is only $ 10.

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

⭐️ About profitability!
You can get quite acceptable income here - 3-10% per month with moderate risk! But even with conservative trading, 20-30% per annum is also great!

PAMM accounts and PAMM portfolios for investments must be evaluated based on at least 3 parameters:

• account / portfolio age,
• past profitability,
• funds invested by other investors.

For example, here is one of the most popular PAMM accounts on Alpari:

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

? Over 500,000 dollars have been invested in this PAMM (trader's) account, its profitability for 3 years and 8 months was 2051%.

However, it should be borne in mind that despite the fact that in the past the accounts / portfolios showed good returns, in the future there is a possibility that they will turn out to be unprofitable.

So again, don't invest all your money in one trader! Constantly monitor the situation and get rid of accounts / portfolios that bring losses for a long period. This is the whole secret of investment!

Read more about how to invest in PAMM accounts correctly (watch the tutorial videos) on tradelikeapro.ru. I use it myself, there is really a lot of useful information!

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

For example, on Finam in trust, you can give from 300 thousand rubles... Their website contains dozens of diverse strategies: conservative, moderate and aggressive.

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

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

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

The essence of structured products is that you also invest money in stock markets (more precisely, in specific stocks, futures ...), which specialists expect to rise or fall in the future.

Investing in such products is usually possible from 3000 dollars and for a period from 3 months.

Here is an example of structured products at Alpari:

CONCLUSION: Trust management combines convenience, moderate risks and medium / high returns. Especially suitable for beginners.

Profitability:	Risk:	Payback:	Minimum investment:
from 15% to 200% per annum and above	depends on the type of strategy: conservative, moderate, aggressive	1-8 years old	from 500 rubles
(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️ - medium / high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) By distributing funds among the most effective managers / strategies, you can get a good average return. Suitable for beginners.	(+ ) The minimum investment amount (especially in PAMM accounts) is quite low. You don't need to trade yourself.	(- ) Relatively high risks compared to bonds and bank deposits.	(- ) It is difficult to predict profitability as there may be unprofitable periods. The managers need to be monitored periodically.

Option number 7: Own / partner business

DESCRIPTION: And this, in my opinion, is one of the most profitable ways of investing, which can bring you more than one hundred or even a thousand percent of income!

Of course, in most cases, business requires a personal presence. But on the other hand, a business can be automated, or you can simply invest money in someone else's business at the stage of development.

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

Moreover, even if you have a small initial capital, you can still open your own business. Many people opened a profitable business with little or no investment, so money is not the most important thing here, the main thing is desire and aspiration !?

I myself have started a successful business from scratch several times! By the way, if we turn to statistics, then among millionaires about 70-80% Are entrepreneurs who started a business from scratch!

Note:
You can turn your hobby into a business and never work again in your life, but do what you love! Perhaps this is the most preferable option!

As Confucius said:
« Choose a job you like and you won't have to work a single day in your life!«

And how to find your favorite job / life's work - read.

If you do not yet have a stable source of income, then first of all think about creating a business, even a small one at first. The main thing in this business is not to be afraid. take the first step!

Think you have always wanted to open your own body shop, hairdresser, sporting goods store or handicraft store?

Here are some more helpful tips:

1. Start small (and with minimal investment) and gradually grow your business. At the initial stage of business development, do not immediately invest a lot of money.
2. Choose niches with minimal competition - they are easier to start there.
3. If you have little start-up capital, it might be worth trying a service business.

I will also give you several options from my experience, how you can start a business with minimal investment, I think it will be interesting for you !?

Examples!
It is not difficult to start your own business on the Internet. For example, you can provide services or sell goods through ad platforms (the most popular is Avito). I just started with this!?

By the way, goods from China are now very popular, where the mark-up can reach up to 500-3000%. Including such products are successfully sold via the Internet (one-page pages).

Another area where large investments are not required and it is not so difficult to start is the wholesale business via the Internet.

Moreover, both in the case of wholesale and retail sales, the goods do not need to be in stock - you can work according to the dropshipping scheme. The main thing is to find clients (you can do this for free on message boards).

In short, the essence of dropshipping is that you work with a supplier who ships the product directly to the customer. He sells his goods and from this he has income, and you get your markup on the sale.

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

CONCLUSION: The business is able to bring very high profitability with minimal investment. In addition, a business can be turned into a favorite thing, which is interesting and you want to do it!

Profitability:	Risk:	Payback:	Minimum investment:
from 30% to 1000% per annum and above	Initially high risk	from several months to 1-5 years	from 10,000 rubles (you can even start from scratch)
(⭐️⭐️⭐️ - high / medium)	(⭐️⭐️ - medium / high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low / medium)
➕ Pros and ➖ Cons:
(+ ) One of the highest returns among all investment instruments.	(+ ) It is easier for business to find partners and / or co-investors. You can start without big investments, the main thing in business is the idea!	(- ) High initial risks. 7-8 out of 10 start-up businesses are closed within 2-3 years. Low liquidity - it is difficult to sell a business quickly.	(- ) You need to understand the business and understand how it works, even if you are investing in "someone else's" business. You constantly need to learn.

Option number 8: Mutual investment funds

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

Mutual funds are professionally engaged in investment activities, investing and managing the money of their investors (invest in certain stocks, bonds ...).

Absolutely any person can become a depositor, for this you need to purchase a share (share) in a mutual investment fund. Depending on whether the mutual fund successfully manages investments, the shareholders receive a profit or loss.

It should be noted that the activities of mutual funds are regulated at the state level and, as a rule, they are prohibited from investing in high-risk assets. Therefore, they are considered more secure than the same brokers.

Mutual funds usually give low income (usually from 15 to 30% per year), with little risk. Here is an example of the profitability of some mutual funds over 11 months:

Profitability of mutual funds for 11 months

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

But in general, if we take a period of 3-5 years, then many mutual funds show positive dynamics and make a profit (provided there is no crisis). Therefore, it makes sense to invest in mutual funds for a period of 1 year or more.

The minimum investment amount is from 1,000 rubles. You can buy shares online, including through certain banks, for example, Sberbank.

If this type of investment is suitable for you, then it makes sense to choose not one unit investment fund, but several in order to distribute possible risks.

And make it a rule, before investing anywhere, including in any specific mutual funds, read the reviews of real people on the Internet, and also read what they write about them on the forums. With such a simple action, you will protect yourself from unreliable and fraudulent organizations.

CONCLUSION: Mutual funds can be considered as an alternative to brokers who also invest mainly in the stock market. In the absence of a crisis, they usually also bring good returns.

Profitability:	Risk:	Payback:	Minimum investment:
from 12% to 30% per annum	moderate	3-10 years	from 1,000 rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The average yield exceeds the interest rates on bonds and deposits.	(+ ) Low entry threshold, as well as control over the activities of mutual funds by the state.	(- ) There is no guarantee that you will receive income. There is an additional "commission" (premium) for the purchase / sale of shares.	(- ) You will have to pay 13% income tax - many other investments have preferential tax conditions.

Option # 9: Microfinance Organizations (MFOs)

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

The minimum amount required to invest in an MFO must be at least 1.5 million rubles (by law).

The longer the investment period, the higher the interest rate. The minimum term in an MFI is usually 3 months.

It should be noted that in this case there is no deposit insurance, and in general the risks are much greater than if you invest in bonds or in a bank at interest.

If you nevertheless decide to invest in an MFI, then be sure to choose a trusted company that has been on the market for more than one year.

⭐️ Good advice!
Look primarily at the “age” of the MFI, not the interest rate that you are promised.

After all, it is better to invest in a reliable organization at a slightly lower interest rate than in a newly emerging MFI with a high interest rate.

Additionally, it will not be superfluous to look at reviews and read articles on well-known information portals (for example, RBC) about a particular MFO.

If you want to know my opinion, then in my opinion, if you have investments of 1.5 million rubles or more, then it is more profitable and safer to invest in real estate than in an MFO! ?

And besides, I myself do not take loans / loans (especially consumer loans) and do not advise others !?

CONCLUSION: MFOs as a whole give 1.5-2 times more profitability than bank deposits. But at the same time there are corresponding risks. And the entrance threshold is rather big, to put it mildly.

Profitability:	Risk:	Payback:	Minimum investment:
from 10% to 30% per annum	moderate	3-9 years old	from 1 million rubles
(⭐️⭐️ - medium)	(⭐️⭐️ - medium)	(⭐️⭐️ - medium / low)	(⭐️ - high)
➕ Pros and ➖ Cons:
(+ ) High rate relative to bank deposits.	(+ ) Income passivity. Minimal participation on your part.	(- ) Very high entry threshold. According to the law, MFOs are allowed to borrow from individuals from 1.5 million rubles.	(- ) Increased risk, since there is no deposit insurance - in case of bankruptcy, no one will return the money. Fraud is present.

Option number 10: Precious metals

DESCRIPTION: Another well-known type of investment is investment in precious metals, in particular in gold. Moreover, such investments are highly reliable!

It is especially important to invest in gold and other precious metals during a crisis, since this is where money from the stock market migrates.

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

Despite its high reliability, investing in gold is more suitable for preserving available funds than for increasing them. In addition, such investments are designed for a longer term of 3 years or more.

Gold Prices - Chart

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

The total profitability for the five-year period was 50% (on average, gold rose by 10% per year) and then such a yield was obtained thanks to serious devaluation of the ruble.

However, if you look at the dynamics of gold against the dollar, you can see that after 2012 gold has dropped significantly in price and is currently in a sideways trend.

CONCLUSION: It still makes sense to buy precious metals (gold) either in times of crisis or in the long term in order to preserve them.

Profitability:	Risk:	Payback:	Minimum investment:
from 3% to 15% per annum (in a crisis, the yield is higher)	Minimum	7-20 years old	from 1000 rubles
(⭐️ - low)	(⭐️ - low)	(⭐️ - low)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) High investment reliability. There are practically no risks of gold depreciation. Easy to buy / sell at any time.	(+ ) Precious metals (especially gold) are a "safe haven". Investing in them is suitable for saving funds in times of crisis.	(- ) Low profitability during the period of growth and development of economies. Income tax 13% on the sale of gold if the holding period is less than 3 years.	(- ) Relatively high commissions of banks / brokers when buying / selling precious metals, incl. gold.

Option number 11: Cryptocurrencies (bitcoin)

DESCRIPTION: Over the past, Bitcoin has grown more than once and, apparently, is not going to stop. Already there are new millionaires who have become rich solely on investments in bitcoin.

Of course, the best time to invest was a few years ago, when Bitcoin was worth about 150-200 dollars.

Some experts say that in the future, bitcoin may be worth hundreds of thousands of dollars and even possibly reach $ 1 million.

Others argue that Bitcoin will crash. But despite this, some states (including Russia) are thinking about creating their own national cryptocurrency, which suggests that the topic of cryptocurrencies will be very popular in the future, which means that Bitcoin and other cryptocurrencies will probably grow in value.

Moreover, while cryptocurrencies are showing a steady growing trend.

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

For example, Bitcoin in just a day can rise or fall by 10-25% - this is quite common here. And in a year you can both increase your investments 3-10 times, and lose almost everything!

CONCLUSION: On the one hand, cryptocurrencies are too risky a tool, but on the other hand, if they grow, they can bring huge returns. Whether it is worth investing in it or not, everyone decides for himself, one thing is clear - it is definitely not worth investing all your money in them!

Profitability:	Risk:	Payback:	Minimum investment:
from 20% to 1,000% per annum	elevated	from 3 months to 1-5 years	from 100 rubles
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) In case of growth of cryptocurrencies, it is possible to multiply the invested funds in a short time.	(+ ) As a rule, there is no inflation due to the limited amount of issued cryptocurrency.	(- ) There is a very high volatility of cryptocurrencies, in a matter of days they can both rise in price and seriously collapse. Low predictability.	(- ) Cryptocurrencies are not backed by anything, as this is another bubble. 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 at a tremendous pace, at the same time providing an opportunity for each of us to make money in this global network.

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

At the moment, the following directions are popular:

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

With minimal investment, it is possible to get high profitability through advertising. Usually, the site starts to generate the first income in 4-6 months.

WITH 1000 visitors per day, depending on the topic, you can earn about 200-3000 rubles in a day. The spread is very large, since what kind of income you receive depends on the topic of the site.

Earning money on sites is suitable even for beginners, since you can write articles yourself, and not order them on copywriting exchanges.

But still, in the beginning, you will need to grasp the essence and understand the key details of such a business.

2. Social publics. Surely almost every one of us is subscribed to some community on social networks (VKontakte, Facebook, classmates ...).

Meanwhile, the owners of such public pages also earn mainly from the publication of advertising posts. In pubs with millions of subscribers, the cost of one ad post can be worth 2-7 thousand rubles .

Public pages pay off very quickly with a relatively small investment. Although now the competition in publics is high, but if you choose the right topic for a public, post high-quality and interesting content and develop a public, then you won't have to wait long for success!

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

For example, if a person who follows your affiliate link opens a current account in a specific bank, then you can earn 2-3 thousand rubles

If you know how to effectively attract traffic through advertising, then it is quite possible to get a high return on investment. However, as you probably already understood, here the main investments go specifically to advertising.

But in this case, experience plays the main role, without it, nowhere!

4. Online services. You can also invest in creating an online service. These include various freelance exchanges, message boards, exchangers ...

For example, projects that exchange electronic money (in fact, they are called exchangers) are very popular.

For example, if you need to transfer money from Yandex wallet to Qiwi wallet, then the easiest way to do this is using exchangers. By the way, with the help of exchangers, you can also purchase bitcoins.

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

5. Apps for iOS / Android. Since relatively recently, applications for Android and iOS have become very popular - this is a large segment of the market where a lot of money is spinning.

Therefore, if you have an interesting idea that will be in great demand, then it might be worth trying to create your own application.

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

Even if you don't understand anything about how to create applications, they can be done for quite a bit of money ( 20-30 thousand rubles ) order on freelance exchanges.

Here, as elsewhere, it is the idea that plays a key role - the success or failure of the application depends on it.

6. HYIPs. HYIPs - in reality, are a financial pyramid that lives off the funds invested in it.

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

There are HYIPs that “live” for several months or even for several years, but the profitability on them, respectively, is several times / tens of times lower.

In any case, invest in such HYIPs very risky , because the creators of these HYIPs and a small group of depositors mainly earn money - who managed to withdraw money with a profit until the HYIP turned into a "scam" (stopped paying money).

And yet, I strongly advise you not to invest in HYIPs, especially if you don't know much about this.

CONCLUSION: Online projects are a great option for those who want to make money on the Internet. With the right approach, Internet projects can provide high returns with a minimum investment.

Profitability:	Risk:	Payback:	Minimum investment:
from 30% to 500% per annum	moderate	from 3 months to 2-4 years	from 500 rubles
(⭐️⭐️⭐️ - high)	(⭐️⭐️ - medium / high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - very low)
➕ Pros and ➖ Cons:
(+ ) High profitability. The investment can pay off very quickly.	(+ ) Some projects can be started with minimal investment or completely from scratch, investing only your own time and effort.	(- ) There is a risk that the project will not work and will not pay for itself.	(- ) Knowledge is required. You yourself need to be well versed in the key nuances of Internet business.

Option # 13: Venture funds / investments

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

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

A distinctive feature of venture capital investments is a very, very high profitability, they are capable of bringing thousands of percent!

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

? A real example!
Today's largest companies Apple, Google, Intel ... and even the well-known Chinese online store Aliexpress (Alibaba) started with venture investments.

In 2 years, Apple shares have risen by about 5000 times! So if you were investing in the start-up business of everything 100,000 rubles, after 2 years your condition would be already 500 million rubles .

There are basically several ways to invest in start-up projects:

• crowdinvesting and crowdlanding platforms (suitable for beginners);
• venture funds;
• investor clubs.

CONCLUSION: Yet venture capital investment is underdeveloped in Russia. And often a large start-up capital is required, and scammers are often found among crowdinvesting platforms (where the entry threshold is not high). Meanwhile, venture capital investments can bring very high returns!

Profitability:	Risk:	Payback:	Minimum investment:
from 40% to 3000% per annum	elevated	from several months to 1-3 years	from 10,000 - 100,000 rubles (to venture funds - from 500,000 dollars)
(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - very high)	(⭐️⭐️⭐️ - high)	(⭐️⭐️ - high / medium)
➕ Pros and ➖ Cons:
(+ ) If successful, you can get the highest possible profitability.	(+ ) Large funds are not always required to invest at the start of a project.	(- ) Very high risks, most start-up projects turn out to be unprofitable.	(- ) Fraud is widespread - investment sites may turn out to be financial pyramids.

Option number 14: Objects of art

DESCRIPTION: Another unusual way to invest your money is to invest in art. This is a fairly narrow and specialized market, but it can still generate good returns.

It's no secret that certain works of art can cost hundreds or even millions of dollars. And if you really understand art, then on investments you can earn hundreds of percent of the profit.

❗️ The only important feature is that such investments often require large investments ... And besides, in order to get a good return, you need to invest for a long period ( decades ).

Like investment in precious metals, investment in art is not subject to inflation and will only cost more over time.

And the crisis has practically no effect on the value of art objects.

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

Profitability:	Risk:	Payback:	Minimum investment:
from 20% to 100% per annum and above	minimum	usually 1 to 3-5 years old	from 100,000 rubles and more
(⭐️⭐️ - medium / high)	(⭐️ - low)	(⭐️⭐️ - medium)	(⭐️⭐️ - high / medium)
➕ Pros and ➖ Cons:
(+ ) You can get relatively high returns with minimal risks.	(+ ) High reliability. Over time, art objects only grow in value.	(- ) Often, investing in art requires a large initial capital and involves a long-term investment.	(- ) You need to be a specialist, have specific knowledge and experience.

Option number 15: Knowledge and own development

DESCRIPTION: As incredible as it may seem, the most profitable investment is always an investment in yourself (in the development of specific skills, abilities, knowledge, experience ...).

You need to understand that first of all it is knowledge / experience, and not money allows you to earn and increase your own.

I think more than once you have heard stories that most people who won millions in the lottery, after a few months or years, returned to the life they lived before (or even fell even lower).

In addition, often in order to learn something, no investments are required at all - the main thing is that there is a desire, and everything else will follow !?

If you have free funds, then it all the more makes sense to invest some of them in your development: attend trainings, webinars and seminars.

One of the most important differences between investing in knowledge is that no one will ever be able to take it away from you. You can lose everything, but not the acquired skills and experience.

For example, an experiment was conducted in the United States: a professional real estate agent was left completely without money several times in different cities. And the result was always the same - after a couple of months he managed to earn tens of thousands of dollars from scratch.

CONCLUSION: Therefore, if you do not yet know where to invest your money, then the safest option is to invest it in yourself (at least some of it). And do not forget that even a bad experience is also an extremely valuable experience! ?

Profitability:	Risk:	Payback:	Minimum investment:
endless	minimum	from several weeks / months	from 0 rubles
(⭐️⭐️⭐️ - very high)	(⭐️ - very low)	(⭐️⭐️⭐️ - high)	(⭐️⭐️⭐️ - low)
➕ Pros and ➖ Cons:
(+ ) The most important and most profitable asset in the world is knowledge, skills and experience.	(+ ) No one can take away your knowledge and experience, and you will always be able to turn them into money.	(- ) For many, it is difficult at the first stage to motivate themselves to study.	(- ) It is not always possible to immediately turn your knowledge into money - this requires time and experience.

3. Golden rules of correct investing - TOP-5 tips

And now I want to introduce you to a few more very important investment rules that will help you manage your money correctly!

First, as I mentioned at the beginning of the article, is not to keep all your eggs in one basket. This rule especially applies to you if you have a lot of money to invest.

Instead of investing everything in one instrument, divide the amount equally into several parts. For example, into 3 parts and invest them in real estate, stocks, in a new business.

If you have very little money, then consider starting your own business.

Second- try to invest most of your funds (40-60%) in assets with the lowest risk, the best choice between profitability and risk, as for me, is real estate.

And remember, risk is the first thing to think about! Moreover, if you do not have experience and knowledge, then go in and invest all your money in high-risk instruments: Forex, stocks, bitcoins ... hoping that you will quickly multiply them is by no means worth it.

Believe me, this is a tried and tested path, on which hundreds of millions of rubles have been lost!

It will allow you to get through bad times and find other sources of income.

Fourth- create passive income so that you can receive money even when you are not working.

Fifth- before investing your earned money in any particular organization, read reviews and comments about it on the forums. Make sure this is a real company and not a scam.

It will also be great if you learn to give 10% of your profits to charity.

As Socrates said:
There is only one good - knowledge and only one evil - ignorance.

4. Where to invest money to make money - specific examples

In this section of the article, I will tell you where, from my own experience, I would have invested money, having available this or that amount of investment!

I will not consider very risky investment options in these examples. Consider only conservative and moderate risk investments.

- Where to invest 100,000 - 200,000 rubles?

100 - 200 thousand rubles is not such a large amount, so I would most likely invest in starting my own business or in the business of my friends. And I would allocate 10-20 thousand for attending trainings and seminars.

Alternatively, if you do not want to invest in a business, you can consider bonds. In extreme cases, you can open a bank deposit, but it will be of very little use, since the interest will only cover inflation.

If the risk allows, you can try to invest in structured products of brokers (trust management). Their risk, as a rule, is limited to 10-15% of the investment amount, and you can earn more than with bonds.

- Where to invest 300,000 - 500,000 rubles?

It is also a relatively small amount in terms of investment. This amount can already be divided into 2-3 parts and invested, for example, in business , bonds , gold or trust management e.

If there is an option within this amount to purchase the property during the construction phase, you can invest in it.

- Where to invest a million rubles?

Having 1,000,000 rubles in hand, you can already try to invest in almost any of the instruments described in this article.

For 1 million rubles. it is already quite realistic to purchase a rough apartment and an apartment at the stage of the foundation pit.

Or as an option:

• You can invest part of the money (100-250 thousand rubles) in shares of promising companies, give them to trust, PAMM accounts / portfolios, or invest in mutual funds.
• But 400,000 - 500,000 rubles can be invested in reliable instruments: various bonds (it is also desirable to divide the amount into 3-5 parts), gold, art objects ...
• I would still invest a small amount of 30,000 - 50,000 in cryptocurrency, in case it becomes more expensive in the next couple of years.
• For the remaining amount, you can try to open a business (including on the Internet).

5. Where is it better not to invest in order not to burn out - important tips on how to avoid fraud

At the end of the article, let's talk about no less important: how not to lose your money and how not to get caught by scammers.

The world is full of people who invent various schemes to take money through fraud. Especially nowadays, fraud is thriving on the Internet (and not only!).

Therefore, before investing money anywhere, it is worth checking 10 times to see if you will end up with a nose.

Both on the Internet and in real life, people often come across "super profitable" projects that promise to make them millionaires in the very near future. The organizers of such projects offer huge interest rates, quick payments, very favorable conditions, etc. - all if only people have invested their money.

Take note!
Super favorable conditions- this is the very first sign that they most likely want to deceive you! Scammers love to profit from the greed of other people!

Money does not come out of nowhere, if someone receives money, then surely someone will part with it!

The most common type of fraud is financial pyramids (remember at least Mavrodi and his MMM). Visually, some believable story can be created, as if the project really functions (provides any services), but in fact the organizers of this project only earn from the investments of gullible people.

Sometimes the "history" of a project is so well created and worked out that it is very difficult for an ordinary person to detect fraud.

HYIPs(which we talked about earlier), in fact, are also built on the basis of a financial pyramid and they can also be attributed to a fraudulent scheme (although it is also possible to make money on them, but experience is required). Also, here you can add various casinos and other methods that promise "easy" money.

Another controversial investment tool is sports betting... It is realistic to make money on them in the long term, but only the organizers of the bets and 5-10% of the participants (those who are in the subject) do it, and the rest only constantly lose money.

I will also highlight another type of common fraud on the Internet - this is the sale of various courses, programs... which, according to promises, can bring you incredible income in a matter of hours (days). Having bought them, you will throw your money away (tested on your own skin?).

Thus, you need to invest in what you are good at! Otherwise, those who are well versed in what you don’t know will profit from you! This is my sad experience.?

If you are not yet particularly versed in this or that investment object, then invest time and money (they are not even necessary) first of all into your knowledge ! This will be your most profitable investment!

6. Conclusion

Well, you have learned about all the most popular and profitable ways of investing money.

Of course, it is impossible to fit all the options and all the nuances of investments into one article, but I tried to make the article as useful and interesting as possible for you!

I hope my experience for some of you turned out to be at least a little valuable and you have already decided on where to invest your money! ?

I emphasize once again that, in my experience, the most profitable investments are investments your own business / business and knowledge !

❓❓❓
Where do you think it is better to invest your money? Feel free to share your opinion in the comments!

Thank you for reading the article to the end! I wish you a successful and profitable investment! ???

P.S. If you liked the article, I will be very grateful if you share it on social networks! Also, please rate it on a 5-point scale. ? Thanks in advance!

Improving well-being is a natural desire for any person. However, for both the rich and the poor, there is a limit set by work, there is a ceiling on the level of wages or pensions. One of the ways to overcome it can be considered passive profit - from automatically occurring transactions.

What is passive income

Unlike active (linear) profit, residual income does not require constant actions from the owner. A well-established scheme of passive earnings will bring money independently and constantly. Unlike daily trips to work, where no financial investment is required from a person, building a source of alternative income requires one-time material and intellectual efforts.

Actually, passive income in Russia, for example, includes:

• investments in securities;
• leasing of real estate, equipment, transport;
• receiving interest income from a bank account;
• royalties for intellectual property;
• selling your own ideas;
• provision of Internet sites to third parties.

How to create passive income from scratch

The desire to make a profit and gain financial freedom is the most natural thing possible. However, here lies the main problem for lazy people - creating passive income from scratch requires material, financial or intellectual investments, depending on the chosen direction of activity. However, even without minimal material property, you can organize a regular income and put it on stream.

Sources of passive income

In the desire to receive money and do nothing, the main thing is not to get lost among a huge range of opportunities. At first glance, it may seem that there are not so many of them: investments, rentals, copyright. In fact, on the Internet alone, there are more than 100 different types of ways to make money. The list will indicate the main ways of passive income for the average person:

• index funds specializing in metals, energy, emerging technologies;
• advertising: you can make a video blog on any popular video hosting;
• rental of housing / cars;
• passive marketing - distribution of third-party advertising on your site;
• investments in high-yield securities;
• write an e-book (you don't even have to spend money on publishing);
• organize or join a ready-made passive business partnership;
• professional advice and advice - create online courses, tutorials, articles, or keep a thematic blog.

Intelligent investment

This method of income can be considered the simplest and most undemanding. All that is needed from the investor is to choose the direction of the capital injection. Investments in intellectual property have been profitable continuously for many decades. The difference from any material forms of ownership is colossal: intangible objects of ownership are not subject to obsolescence and destruction, they are easily reproduced / copied.

With this method of investment, the following options for owning property are possible:

1. Ownership of the rights to a unique trademark, logo, design layout or style concept. An example is promoted brands like McDonald's, MTS or Beeline - everything is covered by copyright: colors, slogans, logos, even design schemes for branded stores.
2. Purchase of patent rights for an invention, technical device or technological method of production. The term of the patent under modern legislation is 10 years with the right of subsequent extension.
3. Creation of your own educational or art products. Profit is possible not only from authorship, but also from the distribution of material or digital copies of the product.

Marketing investments

The essence of this method of investing is to create your own business project that will be interesting and necessary for a specific target audience, establish a management chain and ensure functioning that will require minimal impact from the owner. This is the creation of your own business with the subsequent receipt of constant profit. With creativity, such business plans can be created constantly, gradually selling them in the form of clean projects, and additional income can be earned from owning the idea.

Marketing revenues begin to bring real profit only after the initial investment has paid off. This means that you cannot get quick earnings in this way. Depending on the field of activity, reaching the residual income can take several years. If the business is in demand and properly organized, then after a while it will be possible to enjoy profit with minimal impact on the process.

Renting out real estate

Almost every resident of the country who owns unused space, rents it out. There is no fundamental difference - the source can be an apartment, a house, an office, a plot of land, a warehouse, and even a factory. Passive income from real estate is the fact that the owner makes a profit when another person uses his property. In the modern world, this is the simplest and most effective option for making a profit without additional capitalization (provided that you have unused private real estate).

Financial investment income

This type of investment is a risky and volatile process. Investing capital in securities, precious metals, precious stones and other analogs of the money supply is profitable if there is start-up capital. At the same time, passive investment income will fluctuate following the mobility of the stock market. Both sudden ups and downs are possible following political actions, the appearance of new players on the exchange. At the same time, there will always be profit, since there are no analogues to monetary relations yet.

We should also mention investing in stocks of emerging companies. It is extremely risky to invest in JSCs with an unpredicted future. You can either lose all share capital, or get rich instantly (as was the case with Microsoft). In any case, you need to carefully assess the risks. Even regular players in the market can suddenly go broke for one reason or another.

Passive income with investments

To obtain a guaranteed income, you need a mandatory minimum financial investment. In this situation, almost 100% guaranteed at least a return of the money spent in case of unsuccessful investment (you can go to zero). Types of passive income with initial capital - investing money in a bank, securities, Forex (PAMM account), mutual funds. Profit is calculated from the amount of assets invested initially.

Deposit income

If the owner has a liability in the form of funds that are not in demand, then he can put them in the bank at interest and make a profit. Deposits can be called the most profitable investment for residual income. The main thing is to make sure of the bank's reliability and determine the terms of the agreement. Income on a bank deposit will be determined by the specifics of the deposit - replenished or not, with interest capitalization or constant, with the possibility of withdrawing money before expiration or closed.

Income from mutual funds

Mutual investment funds have become popular among investors because of their profitability with complete legality and competent use of capital. The essence of these organizations is simple - there are a number of equity holders who have invested their funds for the general cash desk (not legal entities and not banks). The management company strives to increase capital, from which interest will be paid to the shareholders. This is a kind of cooperative for the sake of profit. The profitability of mutual funds directly depends on competent management and successful investment.

Flower business - passive income

This example will illustrate well the implementation of marketing investments. A passive business is profitable after the owner gets it running to the point where constant intervention is not required. For example, for a flower business, you need to find a supplier, florist, equipment and premises. If these factors interact normally, then all that remains is to make a profit and sometimes make adjustments.

Another modern original source of seasonal alternative income on flowers is the rental of bouquets for the holidays for a photo. No matter how ridiculous it may seem, in 2016 one of the owners of a flower business with 2 bouquets worth 5,000 rubles made a profit of about half a million in less than a month. So even a seemingly permanent business can bring a one-time income.

Passive income without investment

One of the most popular queries on the Internet for a segment of work in Russia. This does not mean that there are a large number of idlers in the country. In a crisis situation, without a material base, it is very difficult to start earning. The ideas of passive income on the Internet are widely known, but it is important to remember that the number of scammers is several hundred times higher. You should carefully choose the method of passive earnings on proven sites with real recommendations and reviews.

Passive earnings on the Internet

To start making money through the network, you need to exist and understand within it. Online passive income is based on the fact that a person owns their website, blog or just a channel on a hosting. Further, there are two options for making a profit - advertising placement, selling your own ready-made media materials. All the rest (affiliate programs, investing, selling link masses, etc.) require direct participation, so it is no longer possible to call them passive.

Network Marketing - Passive Income

Any network marketing is a kind of way of making money, which is criticized by many. People with a certain mindset and character will be able to work successfully in this area. Initially, SM is direct sales, and there is no talk of any residual income. Let's take Oriflame as an example. The seller invests in the purchase of goods and reference books, pays for seminars and courses, receives a profit on resale (while it is fixed by the company). Passive income in Oriflame begins from the moment when attracted clients start working for the seller (they themselves start selling).

At this point, non-linear income begins in any network structure. At its core, CM is a typical pyramid scheme where you need to hire even more workers to make a profit. At the same time, someone is already receiving a profit from you, from your interest. Paradoxically, passive workers in such a field of activity have nothing to do. You will have to work hard until the residual income.

Passive income games

Making money on the game is the dream of any active gamer, because a hobby that brings money cannot but rejoice. In the current state of the network, the income of online games (popular and demanded) allows active players to earn real money. There are a huge number of online sites where they sell virtual things from games for real rubles. This business is developing rapidly and inevitably.

A novelty of the network - games with real payouts and passive earnings. Most of them are primitive in appearance and are an offshoot of some kind of investment fund or company. Obviously, no one advertises this, but such game projects not only increase the basic capital, but also depersonalize it. In such games, the player's activity is minimal, but the profit is insignificant. To speed up the process, you can buy special tools for real money, and the costs are compensated by the game progress.

How to organize passive income

First you need to really want to get more money and decide on the field of activity. The organization of passive income on direct capitalization requires minimal financial education, a marketing approach - a ready-made business, and an intellectual one - creative thinking or specialized knowledge in demand. After setting the task, only the legal registration remains (even for games, there is a registration and an agreement with the conditions for the turnover of real money). At this, active activity can be considered over.

Passive income tax

In most cases, passive income tax is already included in the settlement process upon receipt. This means that the dividend profit will be credited to the account with the tax interest already deducted. However, all income must be reported when filing a tax return. Almost all of them are subject to a rate of 13% in Russia. Difficulties arise with patents and licensing of intellectual property - the tax rate is calculated separately for each specific case.

Selling passive income

The easiest way is to sell a business with passive income. The seller increases the value by the amount of possible profit over a certain period, and then the standard procedure follows. It is more difficult with non-linear methods of income through the network - there is practically no legislation for this process. Therefore, when selling a serious source of residual profit via the Internet, you need to attract specialists. Securities are traded through specialized brokers.

Video: Passive Income Options

13 minutes reading

Updated: 01/08/2018

Multiple sources of income Is a phrase that has migrated into our lexicon from books on personal finance by foreign authors. In this publication, I would like to talk a little about how, in modern realities, an ordinary person can create additional multiple sources of income and what benefits they will bring.

Previously, I always believed that you need to find a good high-paying job and work for the good of the Motherland, climbing the career ladder. And I thought so until the moment when the company was not sold and the reorganization began. The new management of the company decided to optimize many processes, in connection with which it was decided to reduce some of the employees.

My career was in jeopardy overnight. My lifestyle has been threatened. After all, I was used to consistently receiving my thousand dollars, on which I lived as I wanted. I suddenly realized that my stability is in the hands of other people. Their decision depended on whether I would go to my favorite sushi bar next month, whether I could buy new sneakers, whether I would go on vacation.

It was then that I thought about the fact that I need insurance. Money insurance. I realized that I needed additional sources of income that would insure each other in case one of the sources dries up.

I began to actively look for such and work on them. Some of these sources lie literally under our feet. But many do not notice them. Or do not understand the essence.

If you look at everyday things from a different perspective, namely from the perspective of multiple sources of income, then there are solutions to many financial problems.

Basic concepts

First, you need to identify all your streams of money, which, when gathered together, form your financial river. Personally, I am a huge fan of this approach to the topic of multiple sources of income. And I constantly work in two directions:

• Increasing the number of multiple sources of income
• Increasing the depth (width) of each source of income

Our personal record (mine and my wife's) for the number of created multiple sources of income is 10. This means that we had ten sources of income at the same time.

Types of multiple sources of income

I propose to get acquainted with them, on my personal example:

1. The main work is mine;
2. The main job of the wife;
3. Additional work: Preparation of photo reports for an advertising company;
4. Additional work: Mystery shopping;
5. Own small business (tanning studio);
6. Rental Property;
7. Irregular earnings.

And this is what my list of income sources looks like now:

1. Income from contextual advertising Yandex.Direct and Google Adwords placed in the blog;
2. Income from banners placed on the blog (see also:);
3. Income from advertising line Nolix posted on the blog;
4. Income from affiliate programs;
5. Income from hosting webinars;
6. Income from the sale of information products;
7. Income from consulting on the development of your own blog, earnings on it, investments;
8. Income from coaching and mentoring;
9. Income from the online store MisterSaver.ru;
10. Wife's income (she recently launched a small project on social networks selling stylish shoes from the USA);
11. Child payments (for the child, the wife receives social payments for the period of maternity leave);
12. Irregular earnings.

As you can imagine, in the aggregate, all these sources of income bring good income. And most importantly, I am insured. If something happens to one source (dries up), then I always have a bunch of others who will not let me die of hunger.

Moreover, I have in mind several dozen more options for creating additional sources of income for which now I simply do not have enough time. I say this to the fact that even if all of the listed sources of income suddenly "bend" and cease to exist, then I will start earning in other ways that will replace those that were.

Where do all these ideas come from?

In fact, everything is simple. Creating income streams on the internet required me to develop a variety of skills. For example, I learned how to write articles for this site. This is called copywriting, see an article on this topic that will teach you how to make money on the Internet by writing various texts to order:

I can also create high-quality contextual advertising. I also learned this in the process of creating the income streams listed above. Now I place contextual advertising for my projects. But if something happens to them, I can easily find myself a job and promote other people's projects using Yandex.Direct and Google Adwords.

For me, this is an ongoing process. I am constantly looking for somewhere to earn extra money. I am always interested in various, new opportunities for obtaining multiple sources of income... This is called increasing the number of sources of income.

Increasing the depth of each source of income is working to increase the income from a specific source. For example, if you have a deposit in a bank, then regularly save an additional amount of money from your main sources and increase the amount of the deposit. This will allow you to get a great return on your deposit. Yes, you can also earn money on bank deposits.

Today there are many different possibilities. It's all about you! How lazy you are to take care of your future. I have many acquaintances who have a lot of free time, but use this time mediocrely. They just mess around stupidly.

My position on this issue is this: create conditions for yourself to be idle. Create a passive source of income that will more than cover all your running expenses, and then do what you want. That is why I work a lot now, in order to work a little later, in the future. I understand that besides myself, no one is able to change fate. The time will come for rest, but for now I will work. Moreover, I get pleasure from it.

THERE IS NO WORD, I CAN'T HAVE A WORD I DO NOT WANT!

When someone tells me that I cannot or that I am not like you, I understand that a person simply does not want to change his life and his destiny. This is a person who lives in illusions and hopes that someday the time will come and his whole life will change by magic. I'm not like that!

Open books, internet, newspapers free ads. Chat with your friends not about how cool you boozed all weekend, but about where and how you can make money. Try, do

There are no mistakes in life, there are only lessons. There is no such thing as negative experiences, there are only opportunities for growth, learning and moving forward on the road of self-improvement. Strength comes from struggle. Even pain can be a wonderful teacher. (Robin Sharma, The Monk Who Sold His Ferrari)

How to create multiple sources of income

Before we start creating multiple sources of income, you need to understand and decide how to do it correctly, what to spend your energy on at the beginning of the journey, and what later.

We need to have in our hands a map of the area that will help us get from point A to point B in the shortest way.

The time of people is limited, as well as strength and resources (by resources, we mean connections, acquaintances). If work alone takes 8-12 hours a day, then there will be no time and energy left for anything else.

Therefore, you must understand that creating multiple sources of income is an art, which implies the presence of an action plan, the ability to prioritize, a strategy for achieving a goal, and many other skills and abilities.

Using these skills wisely turns the process of creating multiple sources of income into an art that is as enjoyable as participating in sports, going to the ballet, going to the theater, watching a movie, or participating in a concert by a popular rock band.

Step # 1: foundation as your main job

So where do you start creating multiple sources of income?

First of all, it is necessary move from simple to complex. One of the peculiarities of the Russian people is that we want to get everything at once. We do not like to wait, we do not like to deny ourselves something, we want everything at once.

You need to understand that such a position is harmful and will not give you anything good. Yes, there are exceptions to the rule. However, each case must be considered in detail. And if you have examples when people in a short time created a lot of capital for themselves from several sources of income, then you need to understand the details of what helped them.

Often we don't see the real facts that helped people take off. Someone received support from relatives or friends, someone was in the right place at the right time, someone is not afraid to take risks, etc.

Building Multiple Income Sources Starts with a Foundation... And more often than not, employment is such a foundation. Working for an uncle is a linear source of income; it can be compared to a shovel. While we are digging, income comes in, as soon as we sit down to rest and put aside the shovel, the income ceases to flow. There is also passive income, which, unlike linear income, is similar to an automatic mechanism. Once having configured it further, it works fully automatically. We'll talk more about passive income in the next section.

For me personally, the construction of my lucrative streams began with a job. I was 20 years old, I did not know and did not know how to make money.

Pay attention to these words. You need to be able to earn money. And the more versatile you can do it, the more sources of income you can create!

When you are 20 years old and you are a student who spent all the previous years on the neck of your parents, is it worth it to say about the ability to make money? This skill does not exist and it needs to be learned. Of course, there are people who start earning at the age of 15-16, and even earlier.

This is not about this now, but about the fact that if you do not know how to create several sources of income, then start with one. The easiest option in this case is to find a job for hire.

It is the job that will be your first source of knowledge about making money and it will give you the opportunity to create some kind of savings, with the help of which you can subsequently create new sources of income. , it was this that helped me find a high-paying job.

As noted above, working for hire takes a lot of time, which has a significant impact on the creation of the following ways of earning money. This can be an obstacle to building multiple sources of income.

And in such a situation, it will be optimal to turn your gaze to such sources of income, which are called passive.

Step # 2: Passive Income Sources

Passive sources of income work for you. Having spent your efforts once, then you will only reap the benefits of your activities.

An example is. For example, you are self-employed and have almost no free time to create new sources of income. You can set aside a couple of thousand rubles from your salary and.

Then, you can forget about this deposit until next month, when you receive your salary again and you will have the opportunity to save another thousand rubles in the bank, for example.

That is, as you understand, you do not need to take care of this type of earnings every day. will work for you around the clock, without breaks and weekends. He will generate new money for you, this is his passivity.

Thus, you will already have two sources of income, after which you move on to considering the next option.

But when choosing the next way to earn money, you also start from your opportunities, from existing circumstances, such as employment, family, children, etc.

You can continue to dig further towards investments and play with more complex financial instruments, for example. Or look for new ways to earn money in some completely new topic, for example, start in your free time from your main job.

As a result, starting with one type of earnings, with employment, you need to gradually create new sources of income that will increase your income. Income growth may not be seen immediately. But in any case, your total capital should constantly increase. By capital in this situation, we mean not only money.

For example, when I started creating multiple sources of income, for a long time my main source of income was work. For several years, I saved part of the money from each salary.

I distributed the saved money into various ones, among which there were,,. Also, I used some of the money to buy myself something. Thus, I subsequently purchased the car.

In pure form, I had no accumulated money. I had a car, as well as an agreement with financial institutions and statements that I deposited funds into their account.

In this example, not money was capital, but what I invested it in. And every day the amount of my capital changed in proportion to the value of those financial instruments in which I had invested money.

The same car depreciated every day. The share price went up and down. The bank deposit increased regularly, etc.

As you can imagine, I started small, with the first set aside of a thousand rubles, which eventually turned into a million, as I wrote about.

To consolidate the understanding of capital, I will give another example from my own practice. In 2007, I worked as an ordinary manager in a telecommunications company. I worked there for about 3 years, I had a good salary, but there was no career growth.

It so happened that in our parent company, the management changed, which began the reorganization of the entire enterprise. Once my manager summoned me and warned me that redundancies were coming and I would be one of the first candidates for departure due to the fact that.

At the same time, the manager added that he would be glad to lay off someone else, since there were less useful employees in our department, but he would not be able to do this, since the head management, in order to reduce costs, in order not to pay compensation, will first of all lay off those people who does not comply with job descriptions.

In general, they didn't care who to cut. It was important for them to reduce costs at any cost. At that moment, I had a turning point that fundamentally influenced my attitude to work for hire and my entire subsequent destiny.

I realized that no matter how good an employee you are, it will not help you stay at work. Your destiny and career will always be in jeopardy.

And then I decided to start my own business, so as not to depend on someone

When I found a business idea that was interesting to me, then in order to bring it to life I had to cut off my head from all other sources of income.

I quit my job without waiting for the shameful layoff. I sold all mine and, withdrew money from. It turned out to be a tidy sum for which I opened a small tanning studio.

I rented a room where I made cosmetic repairs. I bought the necessary equipment. I invited specialists who installed everything for me, set it up and started working for themselves.

Before we continue, I have to make a small digression, as initially it is about creating multiple sources of income. then flexibility is needed in this matter. Sometimes there are times when you focus on one thing. Sometimes you can churn out one source of income after another.

The ideal option is when you create some kind of source of income, which can then work without your active participation. This will make it much easier for you to create one source of income after another. You will have time and money for this.

Life can change. Different circumstances may change, your principles, outlook on life, etc. The same can happen with your sources of income.

Let's go back to the tanning studio. The first month after the opening, my wife and I worked together in this studio. Then we established a steady stream of clients and calculated that we could well hire several operators who would work for us.

By hiring two young girls, we began to receive less from this source of income, but we freed up a lot of time, which allowed us to create new sources of income.

Thus, we created a new source of income and built such a work scheme in which it was enough for us to call in once a week for the proceeds.

Next, I decided to find myself another job for hire and combine it with my business. Why did I decide that? Because in that situation, I had no other options. I didn't have the funds to start a new business. And any other new source of income in one way or another requires money.

The fundamental changes that happened to me earlier told me that this would be a temporary option until I saved up money to create another business or increase the profitability of the first one.

By the way, the tanning studio did not bring me a lot of income. Something about 30,000 rubles. I got about the same when I worked as an ordinary manager in a telecommunications company.

I am writing this so that you understand another reason for looking for a job. Many people paint themselves an ideal picture of the future, one where they do not need to work, where they have enough money to live for their own pleasure. I'm not an exception. But as you understand, a business income of 30,000 rubles will not allow you to realize this ideal picture of the future.

At the same time, the business I created gave me a tremendous sense of comfort and. I had a completely different job search. If earlier, when I did not have such a powerful financial support in the person of a tanning studio, at the moments when I was left without work, then pressuring circumstances from all sides prompted me to look for any job and as soon as possible.

What circumstances are we talking about?

• Food;
• Payment for a roof over your head;
• Cloth;
• Transport;
• The opinion of others;
• Etc.

When a person has no money for subsistence, he will grab at any straw. After all, each person has a list of some kind of monetary addictions.

We all eat and drink every day, we need to pay or rent an apartment, we need to somehow move around on business. It is equally important how much pressure others put on us. Indeed, in moments when we are not working, we have to take money somewhere, and most often on such days we live at the expense of our relatives, who soon begin to look at us crookedly if we cannot find a job for a long time.

All this leads to the fact that we are in a dependent position when looking for work. We do not choose work, but work chooses us.

When you have some kind of additional source of income that can hedge in difficult situations, then everything changes exactly the opposite. You can safely search for the job option you need. It is no longer the job that chooses you, but you choose the job and you can dictate your conditions to it.

So it happened with me at that moment. I firmly decided for myself that I do not want to work as an ordinary specialist. I wanted to take a leadership position. I had many reasons for this:

• First, executives get more.
• Second, managers have more freedom than subordinates. Ordinary employees have to coordinate every step with the manager. The manager, on the other hand, can determine his own work plan. I needed a greater level of freedom in order to control my operating business.
• Third, I needed experience in managing people. Since at that time I already had two operators in the tanning studio, in fact I was already a manager. Therefore, I wanted to develop my skills and abilities in this area.

As a result, I was hired ... to the bank! And not by anyone, but by the head of the lending department.

We were engaged in the sale of bank loan products. I had about 6 people under my command.

Thus, the tanning studio brought me about 30,000 rubles + employment gave me about 45,000 rubles more. At that time, I was already married. The wife earned about 25,000 rubles more. In the same year, we took out an apartment on a mortgage, which we began to lease, which brought us about 18,000 rubles more, but this money can be ignored, since it was used to pay off the loan.

All these sources of income allowed us to save about 30,000 rubles a month. Well, on them, as you understand, we created new sources of income: we bought shares again, invested money in mutual funds, put part of the funds on bank deposits, etc.

As you can see, I started creating multiple sources of income from one, from employment, brought them to several sources (about 6-8), then for the sake of creating my own business, read a new source of income, I sold and abandoned all multiple sources. which I had earlier.

Then I created one source of income again, thanks to which I then increased the number of sources of income to 10.

Based on this, we can draw the following conclusion: you do not need to get hung up on a large number of sources of income. That is not the goal. We create multiple sources of income just so that we have a positive difference between income and expenses.

It is important that at the end of the month you have extra money that can later be spent on creating additional income, which will allow you to achieve financial independence and freedom.

Conclusion

Most people live paycheck to paycheck. They do not have enough money to live, they are all in. What kind of financial independence can we talk about? Although each of them dreams of not working, living for their own pleasure, traveling, dressing beautifully, in general - not deny themselves anything.

Multiple sources of income will help us with this.

There may be 10 of them, which together will bring you 300,000 rubles per month, and maybe 1, which will bring you 500,000 rubles per month.

There is no need to chase quantity. Better to chase quality. You can create one source of income, the main thing is that it gives as much profit as possible. It is equally important what kind of income it will be - linear or passive. The priority is passive income, which will free up a lot of time for you. This time can be spent on your favorite things, health, children, hobbies.

When you have extra money, you still need to put it somewhere. The first option is to spend everything, as most people do. The second option is to invest them in something that will create new money for you.

That is, the model of creating multiple sources of income in the second case is inevitable.

Another goal of creating multiple sources of income is safety and security. The fact is that when you have one source of income, then you are at great risk. As soon as it dries up, your usual life will be threatened.

If you have several sources of income, then you will not be afraid of any crisis. If you are laid off in your main job, then you will not starve, as other sources of income will save you.

P.S. I look forward to your multiple sources of income in the comments. If they are not there, then write what you could do in this direction ...