Greetings! Today I'm starting a new series of articles on personal finance. I'm sure a little motivation and useful life hacks won't hurt anyone. Let's start!

I believe that sooner or later each of us must reach a level where you do not work for money, but money works for you. Unfortunately, in Russia this is not taught either in schools or in economic universities.

But it's actually easier than it looks! And today we will talk about how to organize passive income in Russian realities.

The beauty of passive money is that it no longer depends on our efforts.

Take for comparison the income from employment. Let's say a home appliance sales manager. His monthly income consists of two parts: fixed rate plus a percentage of sales. By the way, you can earn very decently at such a job. But! As soon as our conditional manager stops selling vacuum cleaners and washing machines, his income drops ... to zero.

Every working day, he exchanges his time and effort for a monetary equivalent. He stopped straining (he fell ill, quit, took to drink) - the money stream immediately dried up.

Employment is a classic example of active income. That is, income that directly depends on the efforts made by a person (like riding a bicycle).

By the way, freelancing and private entrepreneurship are also classified as active ways of earning. Their difference from employees is only that freelancers and individual entrepreneurs work for themselves: they plan the working day, look for clients, advertise, buy goods, pay taxes, and so on.

But the way to get a regular income remains the same: freelancers and private entrepreneurs exchange their time, effort and nerves for money. As a rule, at a more favorable “rate” than office managers, but you still can’t relax.

What is the difference between passive income and active income? A more favorable "exchange rate" of time and effort for real money! If the conditional exchange rate for an employee is 1:1, for a small entrepreneur 1:2, then a good passive source gives a return of 1:50 or 1:100! You work on creating a source of income once, and then the money drips constantly and without your direct participation!

You sleep - the bank account grows. You are on vacation - the electronic wallet is replenished. You travel - and the money only becomes more (well, or at least not less). Ultimately, the attitude towards work changes. Such an autonomous source makes it possible to work for the sake of self-realization or pleasure, and not in order to survive ...

Types and examples of passive income

For Russia, several types of passive income are relevant. In fairness, I note that abroad there are much more options. But we also have plenty to choose from!

Financial (investment)

This is perhaps the easiest way to secure a consistent source of payouts over time. The principle is simple: we invest in various instruments, receiving benefits in the form of interest and dividends.

There are a lot of options for investment income (including on the Internet): bank deposits, mutual funds abroad, securities, as well as income from real estate or car rental.

I want to dwell on securities in a little more detail. In fact, there is a whole article about this tool on my blog, but if you sum them up, then there are only two main types - and bonds. The first ones are a more risky option, but with their help you can earn more. Let's talk about them in more detail.

Dividend shares

Few people know that stocks are not only a tool for speculation, but also an excellent asset for making money: passive and regular. Russian companies have been paying dividends to their shareholders for a long time. On average, the size of dividend payments is now 3-6% per annum. But on the market you can find a bunch of offers and more interesting - 8-10% or more (for example, MTS, Surgutneftegaz, M-Video).

Source: Larisa Morozova

The development of the company guarantees the growth of dividends. And you, as a shareholder, get a "piece" of a promising company and a share of its profits on an indefinite basis. By the way, this approach to shares is also called.

Bonds

For those who prefer a stable interest (mind you, higher than the bank!) and a low level of risk, .

About 95% of bonds of Russian and foreign companies provide for the payment of coupon income (most often, twice a year). Bonds are a great alternative to bank deposits. They provide a slightly higher yield with the same or even higher level of reliability. Provided that you invest in high-quality, and not in "junk" bonds!

Intelligent, including online

This option implies the presence of creativity and minimal creativity. This includes copyright for a book or logo, or a patent for an invention. It is clear that classical intellectual income is not suitable for everyone and it will not be possible to tell in a nutshell how to create it. But I'll give you a couple of ideas.

On the Web, “tutorials” are sold in a variety of formats: books, video tutorials, personal consultations, webinars, courses, and paid access to materials in closed groups.

Naturally, all passive income on the Internet is associated with the creation of sites or services. Therefore, in order to start receiving such income, you first need to acquire your own project. Let me expand on my idea in more detail.

Participation in affiliate programs

Owners of promoted blogs and sites can passively earn on affiliate programs. In my opinion, this is one of the best options income on the Internet. The bottom line is that when you go and order a product / service via a link from your site, you receive a percentage of the purchase in the form of an affiliate reward.

It is clear that the theme of affiliate programs should correspond to the direction of the site or Facebook group. For example, a "children's" site can put affiliate links to online stores for children's goods, books in the "Labyrinth" or paid courses for young mothers.

In terms of profitability, affiliate programs are also very different. Someone pays more, someone less. Some charge affiliate remuneration honestly, others strive to deceive. Everything is like in life.

Therefore, it is better to select options on specialized sites - with descriptions and ratings of companies. Sometimes a relevant topic is suggested by a forum on investing in the Net. Don't forget to carefully read the reviews about the program!

Create online courses

Each of us is an expert at something. Try to create an online course on "your" topic. Other options for tutorials: video tutorials, e-books, audio files, checklists, interviews with experts, webinars.

1. The course title should display the result. For example, "Your first book in three months"
2. Break a long video course into several short podcasts on topics up to 15 minutes long
3. Consider the "clip perception" of the modern audience: less philosophical reasoning, more vivid images
4. Take care of a beautiful “picture”: background music, catchy intros at the beginning and end, infographics and slides
5. Provide feedback. Courses with homework checks usually cost more, but also take up more of the author's time.

Reviews on sites

Bonus point. I warn you right away that earnings on review sites will be scanty. Very few can boast of an income of even 1000 rubles a month. Yes, and to call this way of earning "passive" can be a stretch.

Who will suit?

1. Those who plan to master the profession of a copywriter and want to earn money writing texts. IRecommend and Feedback is a great opportunity to learn how to write short commercial texts with a catchy title
2. For those who still do not believe that you can make money on the Web. According to my observations, more and more money from real life "flows" into the Internet. And the winner is the one who will be able to use new opportunities before the rest.
3. Those who consider themselves an expert in one of the areas. If you are well versed in car accessories, natural cosmetics or books - share your opinion with others. Usually experts like to talk about what they know a lot about. So why not do the same for a reward? Albeit symbolic.

Marketing income

The point here is that you create a brand or commercial structure, which over time begins to work for you.

A typical example: a built-in MLM network or your own recognizable website. If over time your name becomes a brand (at least at the level of a YouTube star), then additional income is guaranteed through participation in advertising projects and affiliate programs.

“Getting a plus” by trading Oriflame or AVON products is not for everyone. But bring out own website in 6-12 months for an income of $100-200 is quite real! The site owner can earn on affiliate programs, on placing paid advertising articles, on contextual and teaser advertising, on selling links and much more.

Where to get money to create sources of passive income?

Unfortunately, everything in this life “from scratch” and “without investments” happens only in advertising. In principle, everything is logical: in order to “persuade” money to work for yourself, first you need to find this very money somewhere and invest it successfully.

Even in the fairy tale about Pinocchio, Alice and Basilio did not promise that money would grow out of nothing on the field of Fools. Pinocchio had to plant five gold trees in the ground and constantly water them.

All sources of passive income require an initial investment. In MLM, you need to buy a minimum batch of goods. In website building - pay for a domain, hosting and specialist services (design, copywriting, promotion). To create a high-quality educational product, invest in brand promotion.

So, where can you get money now to secure your future in the long run?

There are only two options (and no one has yet come up with a third): increase income and reduce costs. Better yet, do both at the same time!

We increase income

It's not just about finding a second job or part-time job (although that's a good option too). “Extra” money to create passive sources of income can be found in the most unexpected places.

For example, make at home general cleaning and put up for sale (say, on Avito) all the things you personally do not need. Here is a sample list: branded clothing in good condition, baby products (toys, strollers, cribs), digital and household appliances, collectibles (stamps, coins, old books, records).

You will be surprised how much "money" is just gathering dust in your apartment or country house. Do not spend the proceeds from the sale, but immediately place them in assets!

Well, of course, no one canceled the 10% rule. One tenth of all cash receipts should be used to create passive income. As Bodo Schaefer writes in his book The Path to Financial Independence: “You will not notice a loss of 10% per month. You will live either as well as before, or just as badly.

Yes, and one more important point! In the process of creating a new source of income, it is much more important not the size of the "replenishment", but their regularity! And until you reach the level of income you set (1,000 rubles, 10,000 or 100,000 per month), you cannot spend your savings for personal purposes!

We cut costs

People came up with ways to save money on a wagon and a small cart: sales, discount sites, wholesale purchases of products, energy-saving light bulbs ... There are so many options that I decided to write about saving.

And now I just want to, so to speak, set the start.

First, close all debts and loans (especially interest-bearing ones) as soon as possible. Debt is like a boat in the middle of a lake that suddenly starts leaking. You spend all your energy on bailing out water and not drowning (in our situation, making monthly payments with interest). And you and I need to move forward, towards, and not spin in one place! Loans and debts are shackling hand and foot, and sooooo much slow down in development.

Second, buy yourself a diary for the past year (or a regular notebook). And every day record income and expenses down to subway tickets and a cup of coffee. For convenience, divide expenses into categories: "Food", "Entertainment", "Nonsense", "Auto", "Communication" and so on. I promise that at the end of the "reporting" month you will be very surprised by the results.

The program not only allows you to record your spending, but also provides a ton of useful analytical information for your operations: income, monthly charts, various spending scales. Well, the paid version will allow you to keep one budget for the whole family!

For example, you and your spouse keep track of the coinkeeper together, each from their own mobile device. As a result, all data is synchronized and you can always find out how much money is from family budget spent "on cosmetics" or "at a bar with friends."

And which ones do you prefer? Subscribe to updates and share posts with your friends on your favorite social networks!

Many do not like to go to work from 9 to 6, and how to live without hired work is not taught at school. However, the idea of ​​sustenance by interest and dividends exists in the minds of the masses. Financially literate people have heard about the sources of passive income, and real purposeful businessmen are looking for how to create passive income from scratch.

What is passive income?

The idea of ​​passive income comes from researching and studying the topic of financial independence. It is those who set out to get rich or achieve financial freedom who seek to build passive income, which is also residual income.

Passive income is a profit received by a person without the need to perform daily “active” work, to conduct a permanent professional activity. Namely: work from 9 to 6 in the office or freelance (remote work), exchanging your precious time for money. In any variant of earnings, where the employee's time is exchanged for the employer's money, one can speak of labor or "active" income.

The word “passive” hints that you don’t have to work regularly to make a profit. That is, a person lives freely at his own discretion, and money “drops” to him. However, this understanding is deceptive. As will be shown below, to create sources of passive income, you also need to sweat, however, often - one-time, or very little effort is required to maintain stable profitability.

Sources of passive income

The main sources of passive income by type of ownership are:

• bank deposits;
• securities and bonds;
• real estate;
• copyright.

Additional sources of passive income:

• raw materials;
• business operating "on its own";
• franchise;
• investments in third-party business systems.

For an employee, the possibility of having more than one source of income, a salary, is new and unfamiliar, and therefore often suspicious. However, if you look at it, having more than one source of income is exactly the way to improve your own well-being and increase capital.

Those who are looking for how to create passive income do not always understand the possibility of creating multiple sources of personal income. This means you don't have to leave your job to earn passive income. You can build these incomes in parallel. Moreover, the options for passive income are numerous, and one person can have as many types of this income as desired and manage to build.

Types of passive income

If the entire residual income is divided by type of profit, then we can distinguish the following types passive income:

• dividends- from investments in securities;
• interest- from bank deposits and other investment organizations, from bonds (government securities);
• royalties– for created objects of intellectual property or received a patent;
• rental income- from the lease of real estate;
• royalty- for the sale of the franchise.

And several types of profit without special names. These are the following categories:

• operating business income- (also called dividends in the West) profits from a business for which the founder or board of directors does not need to work personally;
• profit from venture investments- income from investments in business systems built by other people; Here, the investor invests in a startup or a nascent business project, and after its promotion receives a return of funds with interest and / or regular profit from the activities of the new company.
• percentage of sales- a separate category of income that freelancers and businessmen may have. We are talking about additional profit from the volume of goods sold without the participation of the recipient of income. For example, a copywriter who writes a sales text is paid a fee in the form of a percentage of the sales profit from each use of this text by the customer during the year or other agreed period.

Passive income without investment

Is it possible to create passive income from scratch? From the considered types of passive income, it becomes obvious that some sources are built without investing money, others do not allow it.

4 ways to create passive income without investments:

1. create an object of copyright;
2. create a business system that does not require the participation of the founder;
3. create a business and sell a franchise;
4. accumulate capital to obtain residual income in other ways.

Creating a copyright object

This way to create passive income from scratch is suitable for creative people: composers, songwriters, writers, as well as inventors.

Having once created a beautiful musical composition, song, or written a novel, the author receives a reward for using his work or its elements. The list of what belongs to the objects of copyright is in the relevant law of the Russian Federation.

The patent also allows inventors to receive remuneration for the use of the result of their intellectual work.

This method is good because you need to make an effort once, and then receive a fee. However, it is clear that not everyone can create a worthwhile work of art, and copyright compliance will have to be monitored.

Creation of a business system without the constant participation of the founder

This method is a passive income business. Creating a company that benefits people, and the owner and founder - income, is real, although not easy. The vast majority of small businesses belong to the type of enterprises where the owners are employees in the positions of directors and managers.

Being the head of your own company is not bad and even prestigious, but it does not bring you closer to the goal of creating passive income from scratch. After all, what is passive income? This is the profit from a one-time invested effort, which a person receives consistently over many months or years. And if the founder works in his organization, he receives a salary. Therefore, this method will only work if the business is built as a complete system with all the necessary employees, including a third-party CEO. Then the founder will rightfully be able to say that he has created passive income.

Starting a Business and Selling a Franchise

Income in the form of royalties from the sale of a franchise will become available only after the creation of a franchise, and for this you need to either already have a ready-made and well-established business, or build such a business.

The idea is implemented from scratch, but the result does not fully fall under passive income without investments, because you will have to invest a lot of time and effort to create your own company. From the point of view of the fact that you can get by only with time and effort, without financial investments - yes, this is possible, even if you have to attract outside investors in order to finance a new organization.

Capital accumulation: money makes money

One of the most popular passive income ideas to get rich and financially independent is the idea, “Money makes money.” It describes the simple fact that it is not necessary to invest man-hours in order to earn more, even passively.

However, in order to invest money, and they began to bring more profit, it is necessary to raise start-up capital. It won't work otherwise.

Therefore, technically it will be passive income from scratch, because you need to start somewhere, but in fact you will have to save and save. You can start with 10% of each receipt of labor income, that is, wages, or any other income that is available. Thus, a sufficient amount will gradually be collected for investments in bank deposits, the purchase of securities or bonds.

You can combine capital with someone close to you and invest a larger amount in rental real estate or venture capital investments. It is important to have a detailed understanding of the subject of investment.

Top 10 Passive Income Ideas

Let's dwell on the most popular ways to create additional income without a constant investment of time.

1. Bank deposit

With the most modest percentages and additional profits, this type of passive income remains and will remain very popular for a long time to come. There are several good reasons for this: first, banking system is growing and strengthening, the population is accustomed to trust banks, their activities in most cases are understandable to citizens.

Secondly, banks provide guarantees - although this sounds especially doubtful in Russian realities, the invested capital is still protected from loss or theft. With the development of insurance companies, each deposit is either insured by default or can be insured at the request of the depositor.

The choice among banks is wide, deposit options are diverse, so passive income is real even with investments of 3,000 rubles or more. There are special deposits with a higher percentage for pensioners.

2. Securities (mutual funds)

Usually passive income, the ideas of which are taken from Western popular science publications, includes profit from securities. Provide access to them and make such investments convenient for the population Mutual investment funds - mutual funds.

Although the method was especially popular before the crisis of 2008-2010, one cannot count on quick profits, because investments in shares are arranged in such a way that such income becomes tangible through long time. Therefore, if a couple of millions in US currency are not available, then investments will have to be held for several years or decades.

3. Renting out housing or offices

You can earn a steady income from rental property. This will be precisely the residual income, since one-time efforts are required to find a tenant and repair the premises, otherwise maintaining a good condition of residential or non-residential property will require a minimum of time.

This is perhaps one of the most popular ways of obtaining additional unearned income for the population, since it does not require special education, and the amount of income can be very significant.

4. Opening your own business

In order to create passive income without investing money, many former employees are retraining as businessmen and entrepreneurs. Indeed, if you create a business that works autonomously, with its own manager and hired labor, then you can get a good income.

5. Venture investments

Passive business income is one of the most highly profitable types of investments. At the same time, the risks are great, because any company can close or suffer losses. Moreover, not every person is a born entrepreneur.

For those who are interested in how to create a passive income with high interest on invested capital, but do not think of themselves as an entrepreneur, the way out is to invest in other people's companies. If you understand who to invest in, then the passive income of the investment will be very high.

6. Create a work of art

By writing a book, by composing a song or music, by making an invention, you can create passive income from scratch. After all, the royalties for the subject of intellectual property will come automatically, without requiring new creative research.

7. Investments in high-risk companies

These include Forex brokers, "HYIPs" and other companies that take citizens' money and promise high interest. The money will go to trading on the stock exchange, which can give a high increase, but is very risky, which the firms themselves do not like to report. If you make such investments, passive income will be 18-70% per annum and even more.

8. Site creation

Your own website can be used as a source of passive income. There are plenty of web resource development scenarios here. For example, promote an information portal and turn it into a platform in the form of an advertising platform. Advertising revenue is passive income.

9. Cars and special equipment for leasing

They provide for rent not only real estate, but also cars, equipment and special equipment. It is only necessary to buy movable property once in order to receive passive income from its rental to clients.

10. Network Marketing

With all the ambiguous fame of this type of business, one cannot fail to say that it is one of the few that provides passive income in its purest form, because having built its network of consultants and salespeople, the head of the network begins to receive a percentage of the sales of “his” employees.

How to gain financial freedom

Financial freedom is the ability to live with an amount of financial resources sufficient to satisfy any needs and desires of oneself and one's family. The path to it runs through residual income. The logic of such a movement is simple: no matter how big the employee’s salary is, he can get sick, retire, become disabled for another reason. In this case, incomes immediately fall and, if there are no impressive savings, then it will not be possible to live on savings for long.

Passive income allows you to retire completely. You can work then and as much as you want and not for the sake of money. Such income, preferably represented by not one but many sources of profit, is the secret of many rich people. It is not easy to create such streams and rivers of money, but this work more than pays for itself, because this is a one-time job, and the profit received as a result is passive income.

Since the publication of the works Tim Ferriss and Roberta Kiyosaki such a concept as passive income"turned into some kind of mystical thing that makes it possible to start a rich and free life for everyone who can get it.

No wonder so many are tempted to get their hands on this Holy Grail. But before you start acting, it is better to consider in detail what passive income is and how it works.

What is passive income and earnings

If to speak plain language, passive income is creating something ( material or intellectual value), which will allow you to receive money indefinitely without further human participation.

How to create passive income?

The simplest examples of passive income are book authors. They can spend a few months writing a novel and then get paid for decades for every copy of that book sold. They create value, which then works for them.

However, this was too narrow a definition.

According to an authoritative publication Investopedia passive income is "earnings that an individual earns from a rental property, limited liability partnership, or other business in which they are not actively involved."

True passive income is income that does not depend on the obligatory performance of any regular actions and comes even if its owner does nothing at all.

Popular culture in Russia defines passive income in rubles as " any money that can be made lying on the beach and sipping a cold mojito», but this is a delusion.

For example, a well-known US financial coach and expert Todd Tresidder notes that today passive income can be considered any income that requires minimal effort after the initial investment of time or money, and works in accordance with with the Pareto Law - « 20% of effort gives 80% of results».

Before you think about how to create passive income, you need to understand about active income.

What is active income?

Active income is the reward a person receives for the work they do. Regardless of the profession, if a person spends his time and effort in exchange for money, this is active income. Earning options may vary lawyer, doctor, bartender, porter, copywriter, correspondent for a print or online publication), but the principle remains the same.

• The principle of active income: worked - ate.
• The principle of passive income: worked - ate today, tomorrow, the day after tomorrow ...

The main point of creating passive income is to invest or work hard at some point, and then, without putting much effort in the long run, reap the fruits of your labor. Since there are a lot of different options for passive income, it is worth talking about each of them separately, highlighting a few of the most common and accessible to everyone.

Types and sources of passive income

Today there are a variety of ideas, examples and options for sources of passive income. However, it is important to immediately realize the fact that this will not be so easy to do. Otherwise, most of the hired workers, who are forced to work hard "from start to finish", would have long ago left for free bread. For those who are still determined, it makes sense to pay attention to such sources of passive income as:

• bank deposits;
• valuable property and real estate;
• securities;
• participation in mutual investment funds;
• creation of intellectual property;
• creating and optimizing your own business.

Each of these areas and ideas has its own ways of passive income. And choosing the path closest to him, everyone can get acquainted with them in detail.

IMPORTANT! The biggest and easiest money is earned on the desire of a person not to work, so on the Internet you can find thousands of offers from scammers, so when creating passive income, be guided by its legality, adequacy, reliability and simplicity, where it will not be possible to deceive you.

Stocks as a source of passive income on the Internet

For example, if you start from $3000 and monthly report $300 at 50% per annum, then in 11 years you will already have $1 000 000 !

You invest $3,600 a year for 10 years and get a million dollars in return.

1 year $8,565
2 year $17,362
3 year $30,558
4 year $50,351
Year 5 $80,042
6 year $124,577
7 year $191,381
8 year $291,586
9 year $441,893
10 year $667,355
11 year $1,001,032

Look at the graph of this passive income option on the Internet for clarity:

A stock portfolio is a great option for passive income, it is understandable and adequate, and for most people it will be an interesting way.

Here you can find hundreds of European and American stocks, commodity futures, energy and other assets.

One way or another, stock prices go up all the time, and companies that more and more people know about grow hundreds of times.

Over the past 3 years, only one has grown by 300% . This is the most advanced and legal passive income on the Internet.

Valuable property and real estate

This type of passive income includes:

• real estate;
• precious metals and stones;
• antiques;
• art objects;
• collectibles (coins, stamps, books, vinyl records, etc.).

But you need to understand that in order to develop such a business, you need to have not only start-up capital, but also the necessary knowledge. So you have to find experts and at first involve them in business.

How much can you earn this way? Depending on the chosen direction and market conditions, the yield may be from 15 to 70%. It looks good, but keep in mind that investing in real estate, precious metals, as well as luxury items and collectibles are not passive income in the classical sense. yes it can fit Pareto Law, but nevertheless, a person is required to:

• careful study of current market analytics;
• ability to choose liquid assets;
• careful monitoring of tax affairs;
• the ability to find and attract customers.

There is one more thing - it is desirable to invest for a long time. The real "exhaust" can only be obtained in 5–10 years. During this time, an apartment bought in a new building may rise in price by 30–40%, and various antique values ​​​​and even more. This type of passive income basically does not require anything from you - you bought it and keep it, and after n amount of time you sold it.

For example, Andy Warhol's Lemon Marilyn was bought by an investor in 1962 for $250. After 45 years, it was sold for $28 million.

Earnings on PAMM investment

For those who are not well versed in stock trading, investment solutions from offering such opportunities as either automatic copying of transactions of successful traders or.

The bottom line is to invest in managers on the currency exchange. Traders will take a large percentage from profits, but also earn money for you. Thus, it benefits everyone.

In order to make it easier for users to choose the most suitable option, all brokers provide a manager's profitability rating, where you can clearly see their success both in the short and long term.

The profitability of investments in traders largely depends on the professionalism and the situation on the markets and may fluctuate from 30 to 150% per annum and you don't have to do anything yourself.

Creation of intellectual property

The most soft for those who want to create a passive income from scratch.

For people with valuable knowledge, experience or good creative abilities, passive income without investment can be obtained through

• audio creation,
• video,
• charts,
• text materials of artistic or scientific content.

There can be a great many ideas for this part:

• writing books
• scenarios
• music
• software

with the subsequent receipt of both royalties for the work itself, and royalties, which will be paid whenever others want to use your work.

And although large amounts of earnings do not shine here for everyone, the availability of methods makes this direction very attractive.

Bank deposits

The most popular and simple passive income in rubles is opening a bank deposit.

That is, in principle, you can put money in the bank and live on one percent. The main advantages of this option:

• extreme simplicity of the process;
• you don’t have to do anything at all (just come to the bank, conclude an agreement and give the money to the cashier);
• relatively low risk of loss.

However, there are also negative points. The first is more than modest profitability. The average rate of large banks is no more than 7-8% per annum. Lesser established institutions offer 8–11% in rubles or 2-3% in dollars.

In order to earn at least $1000 per month at a bet in 2% per annum, you must already have 600 thousand dollars, which will always lie on the deposit "dead weight".

Creating and optimizing your own business

Any business is painstaking and hard work. But only for the time being. According to the American financier Tim Ferriss The success of any business is determined by its return.

1. Its first phase involves a solid cash injection and constant control by the owner. It takes about 4-5 years. In some cases, up to 10 years.
2. After that, the business evolves into the second phase and comes into line with the already mentioned Pareto Law - it provides its owner with 80% of the result with 20% of the effort. At this stage, there are no longer any problems with how to create a passive income based on it.

A business owner can shift the lion's share of worries to the management staff, and he can concentrate on things that are interesting to him or other promising business.

How to get passive income in Russia

It is not much more difficult to organize the creation of passive income in the Russian Federation than in any other country in the world. However, there are also some nuances. Russia, for example, cannot be called " safe harbor”, therefore, investing in shares of Russian companies in the long term requires particularly careful calculations and a willingness to quickly look for new solutions. However, nothing prevents you from buying shares of foreign companies through or.

The real estate market here is also notable for its heterogeneity. For example, if by 70% territory of the Russian Federation, real estate prices behave predictably and in accordance with global forecasts, in regions such as MSC or St. Petersburg predicting price movements is sometimes very difficult. During a period of general boom, relative calm can reign here, and vice versa, when there is a crisis and stagnation everywhere, the volume of real estate transactions in Moscow, for example, can go off scale.

As a conclusion

As you can see, passive income is real, however, it is not always passive on 100% , as some authors of various trainings and training materials who are not too honest at hand like to say.

Nevertheless, in any option of passive income, it will not have a boss in front of you, a work schedule, and in the case of passive income on the Internet like stocks or trust management - a territorial binding.

A lot needs to be done at first initially unpaid) work to get a profit and get a stable inflow of money.

Passive income has many benefits, but like everything else, there are trade-offs. Initially, it is difficult to get a lot of return from it, so you will have to put up with the need to go to a regular job, and maybe even more than one, in order to raise money for a start. And only those who are ready to mobilize efforts and forget what laziness will be able to succeed here.

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Passive income is a method of making money that does not require constant effort and work from you, you get your money even when you just sit in front of the TV and drink tea with sweets.

Surely you have noticed that most of the rich and successful people monthly receive not a small profit almost out of thin air. In fact, money doesn’t “drop” into anyone’s bank account just like that. It's all the result of hard work. Let's try to understand this issue together and learn with a minimum of effort with the help of passive income.

What is passive income

A large mass of all people are accustomed to living by standards. The monotonous lifestyle of "home-work-home" suits many. Some men and women, wanting to earn additional income, get a second or third job. But with such an approach, it is hardly possible to become a successful person. In order to live for your own pleasure and not think about whether you will “reach out” to the salary, you need to find a source of passive income.

Passive or residual income This is a type of income that does not require active actions of a person. Simply put, every month a certain amount of money for previously done work is credited to the bank account. That is, you invested money in a business, or successfully sold your creation, and now you receive a reward throughout your life (or several years).

But in fact, it is not easy to organize and receive such income. You will have to put in a lot of effort. This may take years. But it's worth it. And yet what is the point of getting money in this way?

In order to receive dividends or interest, you must have an asset. And it is these types of assets that we will now talk about.

There are several types of passive income.

• Intellectual. Occurs when a certain intellectual product is created. It can be a book, a song, an invention, a video. Subsequently, the author (rentier) receives a fee and a percentage of each copy sold, a patent.
• Investment (financial). To obtain this type of passive income, some capital is required, which is invested in real estate, securities, stocks, etc. Such deposits are the source of interest and dividends.
• Marketing. By creating a marketing network, a personal website or your brand, you can receive a certain amount of money every month.
• Legal. This is the type of income that many citizens are entitled to by law. Namely, pensions, social benefits, material aid. So, if you are part of a group of people who rely on social services. payments, then by filling out the relevant documents in a state institution, you can regularly receive money without making any effort. We will not talk about this species, because it is already clear to everyone.

A person who lives on money from passive income is called a rentier. He most often owns real estate, which he rents out, financial assets, or intellectual property.

What is the difference between passive and active income

Modern man is accustomed to survive thanks to active income. But this is due to the fact that not everyone knows and understands the difference between active and passive profit. In order to start a new life, or leave everything as it is, let's find out how passive income differs from active income.

1. Active income is received by an employee, a specialist, an employee for some work done. It could be wage, advance, premium, etc. But if a person stops his labor activity, then he is not paid any money either. Passive income does not depend on whether you worked this month or not, and you receive payments anyway.
2. In order to receive dividends, interest, you must have initial capital, assets. To receive active income, you do not need to have any valuables.
3. Active income limits a person's actions. For this type of income, you can work one or two jobs. While passive income does not limit the actions of the owner. Those. financial capital can be divided into several parts and invested in different projects.
4. The risk of being left without a livelihood is higher with active income. So, when you leave your job, you will no longer receive any payments, i.e. loss will be 100%. Having passive income and investing assets in several projects at once, you will never be left without money. In case of failure of one project, you receive income from the rest.
5. Active income is preferred by people who do not understand financial matters. Therefore, they most often never achieve financial stability. Owners of passive income live for their own pleasure and do not need anything due to financial independence and prosperity.

Sources of passive income

So, we have already found out what passive income is, what types it is divided into and how it differs from active income. It's time to find out how and why you can create a source of passive income.

Let's take a look at the most popular and affordable ways to get "easy" money together.

Renting out real estate

One of the most popular and common ways to earn passive income. To receive rental income, you must at least have real estate, or a rather large capital, for which you can buy residential or non-residential space.

After acquiring square meters, you will need to work hard to make repairs, purchase the necessary furniture. Real estate can be both residential and commercial. In the first, people live and relax (houses, apartments), and in the second they work (offices, industrial premises).

With this type of income, you receive a certain amount every month, but from time to time you will have to make repairs and monitor the condition of the premises. This can be avoided by using the services of specialized firms. They will take over most of your duties, and in return they will demand about 10% of the rent of the premises.

Leasing of special equipment, equipment for rent

Renting out special equipment as well as renting real estate is a profitable business. Very often, this type of income brings more profit than renting real estate. All due to the fact that special equipment and equipment can quickly pay off. So, for example, if you have any expensive construction tool, then regularly renting it out, he will cover the cost for several months.

You can rent any movable property, the value of which is higher average salary you have in the city. It can be the most diverse equipment (commercial, industrial, industrial), machines, inventory.

For example, one friend for his factory periodically rents a car with a tower (boom) to repair power supply systems, raising electricians to the desired height to the cables. For a day they give more than 5000 rubles. Calculate the profits yourself.

Owning such equipment, you can live comfortably for more than one year.

Renting advertising space

Everyone knows that advertising is the engine of commerce. It is thanks to the bright promotions that trading companies have become successful. Our people are arranged in such a way that they buy and use exactly those products and services that everyone hears about. This is what many advertising companies use. They try to place ads in all sorts of places. It could also be cars public transport, billboards and even residential buildings. So why not make money on it?

Renting advertising space is a great passive income option for lazy people. All because you need a minimum of effort. This is to find an organization and offer your services for advertising on your car, house facade, balcony, etc. After that, an agreement is concluded, you place the specified type of advertising (posters, stickers, etc.) and you receive the agreed amount. The only negative may be the limited terms of your agreement. But you can always find an advertising company that wants to work with you.

Bank deposits (deposits)

One of the least labor-intensive ways to generate passive income is bank deposits or deposits. They require a minimum of effort. You will only have to find a reliable bank with the highest interest rate. Everything else is done by employees. financial institution. The only condition is the presence of a certain capital, which should be invested. The larger the amount, the larger the amount of interest.

If you have several million at your disposal, then having made a profitable investment, you may not work at all. But if the amount is not large, then, accordingly, the income will be minimal. Very often, people with a small income set aside a certain amount every month for several years. As a result, their children have a good passive income.

But this type of income has a significant disadvantage. This is inflation. It is because of her that investors lose up to 10% of their income, because. money depreciates every year. This must be remembered before concluding a long-term contract.

Intellectual or creative product

This type of earnings will appeal to talented and gifted people. It is they who can create some intellectual or creative product. It can be a book, a song, a poem, some invention.

After writing the book, you will need to contact the publisher, where they will accept the manuscript (if it is really worthwhile). After the publication of your masterpiece, royalties will be paid and a percentage of each sold copy of the book will be deducted monthly. It all sounds very nice and simple, but in fact, this type of earnings has very tough competition. Therefore, only brilliant authors who are loved by millions of readers receive the maximum cash payments.

If you create any technology, you will have to patent it. If the invention is useful and its mass production begins, then your children can also receive passive income.

Own business

If you feel the huge potential of a leader in yourself, then you can try. In order for it to bring passive income, it is necessary to work actively for several years.

First you need to understand what exactly you want to do. This should be an area of ​​activity that you know well. Let's give a simple example, if a man is well versed in cars and loves transport, then it would be a great idea to open your own service station.

When the idea is "ripe", get and. Then start the business.

When you realize that your business has become successful and brings a stable income, you can think about delegating it (transferring certain powers to another person) and receiving passive income.

In order to retire and "skim the cream" in the form Money you need to remember that the company you built should work like a well-oiled mechanism, and the person to whom you entrust the management of the company will not let you down and will justify the trust placed in you.

Based on the experience of many companies, we would not recommend completely withdrawing from business. This leads to bankruptcy in 90% of cases.

Selling a franchise and receiving royalties

Owners of large well-known companies can count on such a source of passive income. It does not require any capital, but to obtain it, you will have to work fruitfully for more than one year. Let's take a closer look at franchises and royalties.

In simple terms, a franchise is a rental of a brand, trademark, company management method, slogan, etc. some unknown organization. Thanks to this, the production and sale of its products under the logo of a well-known brand is carried out. As a result, the turnover and income of the start-up firm are rapidly increasing.

After the sale of the franchise, royalties (an agreed amount of money) are regularly paid. It can also be a certain percentage of the income of the firm that bought the franchise.

At first glance, everything seems easy and simple, but in order to receive passive income, in this way, you need to build a large business or a brand that will be heard.

Investing in a third party business

People with solid capital and assets can count on passive income by investing in a third-party business. The more you invest, the more interest you get.

In order to invest in a third-party business, you need to study the business plan well, calculate all possible risks, and regularly monitor the company's activities. Only in this way you will save your investments and not be deceived.

Investing in any business is a very risky undertaking. In order not to lose all the money in case of bankruptcy, do not rush to invest all your savings in one project. It is better to invest in several organizations at the same time. Thanks to this, in case of failure of one project, others will bring passive income.

Creation of a mobile application

In the modern age of progressive technologies, most people have a mobile device that supports various applications. Mobile apps make life easier for millions. Everyone downloads an unlimited number of them and recommends to others. Therefore, anyone can create their own application that will bring decent passive income.

• First, you need to get an interesting idea. She can help you get rich. Due to the high competition, it is sometimes difficult to surprise users, but if you do succeed, you are guaranteed success.
• Second, create an application. To do this, you need to contact specialists who, for a certain fee, will be happy to help you.
• Thirdly, place the finished product on the platforms. For starters, don't overcharge the app. Set the minimum amount. And when thousands of people like it, gradually raise the price. Or make it free, but with paid add-ons or ads.

Creation mobile application This is a fairly simple source of passive income. In most cases, it does not require large investments, and the income received can pleasantly surprise you for several years.

Creating a YouTube channel

Probably every PC user at least once watched videos on YouTube. This is really a very convenient site where you can find any information of interest (master classes, training videos, funny videos, etc.). Millions use this service every day. So why not make money on it?

To get passive income with YouTube, you just need to create your own channel and upload interesting, and most importantly, useful videos. It can be varied, ranging from a video of funny animal behavior to a master class on repairing a washing machine. It all depends on what you can do.

Very often, a start-up company lacks recommendations that will ensure regular sales. If you have a wide circle of acquaintances and close cooperation with a large number of firms, then passive income from recommendations is created just for you.

So, communicating, you will find out that someone needs the services of an electrician or a designer. You can recommend this or that company and receive a monetary reward or a certain percentage for this. The main thing is that in this organization there are payments for recommendations.

Maybe the amounts will not be sky-high, but it's better than nothing. The lack of start-up capital is the main advantage of this method of obtaining passive income.

Passive income on the Internet - your website or blog

I started to deal with blog sites (article sites) a long time ago, but I did not turn them into passive income. I developed them for sale or temporary income from advertising and as a rule they did not stay with me for more than 1 year. But now that I already have several main activities, why not slowly start acquiring assets with passive income. So I created a website a few years ago, which now brings more than 100,000 rubles. only on contextual advertising without my participation. And what's more, I did not stop there and made several more sites that are now generating income.

What is good passive income from websites?

The fact that articles will be read constantly and search for information constantly. Having written an interesting article 1 time, it will bring you a lot of traffic from search engines and will bring readers constantly. And that means income. Blog development is about creating interesting content (articles for example) and attracting readers. When there are readers, you place contextual advertising and earn on clicks on it. It's very profitable. Having swung a blog a little, you will already be making a profit, and with each increase in readers, the profit will grow. And then you can do nothing and only occasionally publish articles, and the money will still drip in this plus. Or you can put the editor in charge of your site or several, as we do.

If you plan to develop this direction, then read the section on. There you will find useful information, and if it is not enough, then ask questions, we will add.

Investments in the purchase of information sites

If you do not want to create a source of passive income in the form of a site, as I described above, then you can buy sites with income. But for this, you must at least understand the topic and go all the way from creating your sites.

Affiliate programs as passive income

I already wrote an article about . And this source of income can be made passive. If you do a good job in this direction and many people are registered using your affiliate links in those services or stores on whose affiliate program you earned, then all further actions of these people will also be paid to you.

I still get money from many of the services I referred people to a few years ago. This is a small income, but comparable to renting an apartment in Omsk.

We hope that everyone who reads this article has already understood the importance of passive income and the main differences from active income. Now let's try to figure out together how to achieve this coveted financial independence.

1. Start with yourself and educate yourself. In order to make assets, capital, business work productively, you first need to study the theoretical part. Start reading books by famous financial experts (eg Robert Kiyosaki, Bodo Schaeffer, Robert Allen, etc.). Thanks to this, you will better understand all the nuances and details of financial activities.
2. In your free time from your main job, start looking for a source of passive income. Maybe you will invent something new, patent your creation and receive monetary rewards all your life, or maybe you have another hidden talent that will help you find financial freedom. To make your work enjoyable, try to turn your hobby into a source of income. For example, an amateur photographer can sell his work on specialized platforms on the Internet, and a programmer will create an Internet application that will be downloaded by millions of people.
3. If you still found a way of passive income that suits you, do not stop there. Try to develop and discover new ways of earning. For example, having profitably invested money in a bank, you can still upload videos on YouTube, review existing construction equipment and rent it out.

Why the poor stay poor and the rich stay rich

The subconsciousness of most people of our time contains information that in order to feed their families and provide for themselves, it is necessary to learn some kind of profession, and then plow all their lives in a factory, mine, office, etc. At the same time, to fully relax only once a year on vacation. That is why the plan is moving the average person in our country.

At the same time, more successful and financially literate people have long understood that a decent income can bring not active, but passive income. Naturally, they understand that in order to regularly receive money, putting a minimum of effort, you need to work actively for a certain time. This period may be several years, but such a person is aware that he is working to create passive income that will ensure a comfortable old age.

Poor people work only to satisfy their needs. At the same time, they do not even think about creating some kind of capital that can bring money. In the best case, a person gets a job in another, or additional job.

The difference between the poor and the rich is how they spend their free time. A wealthy person gets richer every minute due to the passive income that profitable investments. Low-income people drink beer, watch TV and complain about the life of the people around them.

One well-known businessman and financial analyst said that a person's success is not measured by the amount of a bank account, but by the amount of time that he can not work. It really is. After all, you can deny yourself everything all your life, limit your desires and needs, while collecting savings in a three-liter jar. But such a person can hardly be called happy, successful and enterprising.

How to achieve financial freedom and independence

In order to live for your own pleasure, you need to make money work for you. This is possible if you work hard for a while. During the period of activity, we do not call for work 24 hours a day. It is enough to look for methods of alternative earnings in your free time, which in the future will bring passive income. The more such sources there are, the less work will have to be done.

It can be quite hard at first, but remember that thousands of people like you do not live on a beggarly wage, living on bread and water. They do not know the feeling of hunger and need. And all because they understood in time how exactly you need to make money.

Conclusion

Now you know everything about passive income! You might also find the article on . Do not be afraid to experiment, because everyone has one life. And it depends only on you and me how we will live it. It's never too late to start changing your life. It is within the power of both a teenager and a pensioner. The main thing is to believe in yourself and not give up, and then you will definitely succeed!

The choice is yours! And I'm waiting for comments under the article.

A fairly large percentage of contemporaries are looking for options for passive income. People start caring about their future when they are young. Life on a small pension or, roughly speaking, "survival" no longer appeals to anyone. Preference is given to a certain amount of work done, for which long-term systematic payment is made in the future. This allows you to do what you love and not visit an unloved job, enjoy life and realize your potential, forever overcome the problem of all modern humanity - lack of time.

Deposit is the most common passive income

The most common investment instrument is a bank deposit. Depending on the size of the amount deposited into the account of a financial institution, passive income depends. Options for partnership schemes are very diverse, and each bank offers its own terms of partnership. The main essence of the partnership is that a person gives his capital to the bank for savings, and the institution pays its client a certain percentage of the amount provided for a specified period of using the funds.

Advantages: active participation of the investor in the process of capital increase is not required. High guarantees of safety and security of the deposit.

Disadvantages: a low percentage, which is completely absorbed by inflation. The rationality of the direction is justified only if the start-up capital is large enough.

Investment projects

Considering the options for passive income, it is worth noting Here, risks are added to the high probability of large profits. AT this direction investment is dominated by the purchase of shares of successful and growing companies. There are only two scenarios for the development of events: the flourishing of the selected company and the accrual of solid dividends to the investor's account or the bankruptcy of the organization with all the ensuing consequences. In order to avoid adverse developments, investors are strongly advised to contact specialized professional investment centers, where experts will suggest the most profitable and less risky areas for investing.

Benefits: High return on investment.

Disadvantages: high risks, the need to have a large amount of funds.

Buying a property

Considering options for passive income in Russia, you can focus on the acquisition of real estate. You can consider not only the purchase of residential square meters, you can pay attention to commercial facilities. The property can be rented out. A very promising direction is investing in the purchase of foreign real estate. In Western countries, almost 90% of the population lives by renting their residential real estate for rent. Incomes cover not only the minimum expenses of the family, but also recreation and entertainment.

Advantages: complete absence of risks, each project pays off in full when it is re-sold by the investor.

Disadvantages: to buy square meters you need a lot of capital.

Secondary investment options

Secondary options for offline passive income are the creation of an intellectual product, network marketing, and each of the areas requires not only specific knowledge and professionalism in a particular area, but also significant efforts at the stage of primary construction of a source of profit.

A smart product means releasing something that people will be willing to pay money for all the time. It is enough just to formalize the discovery officially and patent it. Revenue will be a percentage of sales. Passive income without investments based on network marketing is only possible if you get to the top of the pyramid, but this will require a lot of time and effort, going from start to finish. Ultimately, you won’t have to work at all, since income will be generated from the labor of people from the very bottom of the structure.

Advantages: the ability to form a powerful one without the need to maintain it.

Disadvantages: high labor costs in the early stages of work.

Internet to help you

Thanks to the spread of the world wide web, there are a huge number of opportunities to form a permanent and stable source of good income without leaving home. The number of directions is unlimited. These are not only affiliate programs, own websites, but also investing in successful managers on stock markets, much more. Passive income on the Internet is remarkable in that it is available to almost everyone, including young parents and students who do not have the opportunity to work full time. A big plus is that all materials on organizing a source of profit can be found on the Internet, and by following the instructions clearly, the result will not be long in coming. In this case, no special education, and even more so diplomas from the university, is required.

Investments on the stock exchanges

Investing on stock exchanges is the simplest and least costly passive income. Options for inexperienced players on foreign exchange market are not very diverse and are more limited to deposits in PAMM accounts. Simply put, the deposit is transferred to the management of a qualified trader, who, for a certain percentage of the profit, increases capital using trading instruments. Depending on the qualifications of the trader, the amount of profit from the money invested can vary from 150% or more per year. Funds can be reinvested or withdrawn. The main thing here is to study the principles of choosing PAMM account managers. There are risks of losing your deposit or part of it, but it is quite possible to minimize them by differentiating risks and allocating capital.

Advantages: the opportunity to receive income from the first month of investment.

Disadvantages: an incorrectly made decision on the direction of investment can lead to a drain on the deposit.

Personal site

Studying passive income on the Internet, it is impossible not to say about creating your own website. A popular and interesting project can bring good profits. A resource that has traffic (a constant flow of visitors) is in demand for advertising, affiliate programs and network business. If at the first stages of project development you have to spend a certain percentage of the total income and a lot of time, in the future there is practically no need to spend energy on maintaining the profitability of the site.

Many argue that to create a website, you need to learn a programming language and the structure of SEO optimization. In fact, the finished frame can be ordered from an agency or a freelancer. SEO optimization can be carried out independently. As an alternative to creation and promotion, it is the purchase of a ready-made working portal with a certain profitability. All that remains is to maintain the existing one in working condition.

Advantages: the level of income is unlimited. It all depends on the activity of the project creator.

Disadvantages: It takes time to learn a new area.

Public pages

Create a public page social network- This is another promising passive income. Options without attachments are not so common, but this is exactly one of them. Specialized skills for registration of a public are not required. The constructor is at the disposal of the network user. It is enough to fill the project with interesting information and attract as many group members as possible. In the future, the prospects for earning the following: paid advertising, banners, informers, links. The most popular topics are women, men, relationships, sports and cooking.

Video blog on YouTube channel

The most popular options for passive income in the US are the creation of various kinds of video blogs, including on the YouTube channel. Profit will drip through advertising, which will be distributed within the blog. This prospect opens up opportunities not only for trading links and selling advertising, but also for direct cooperation with the advertiser. Customers are willing to pay impressive fees for reviews of their own products, for its description in a positive way. It is quite natural that the more subscribers there are on the channel, the higher remuneration its owner can count on.

Benefits: Unlimited profit threshold.

Disadvantages: the need to constantly maintain the popularity of the channel.

Why are people afraid of passive income?

Considering the options, users are repelled by the fact that there is a certain time gap between the work done and the pay. People are accustomed to constantly perform a certain amount of work and immediately receive their reward. Working for the future scares most. An important role is played by the fears associated with the fact that the resources expended will not be rewarded. No one is used to wasting time and investing money without knowing what the result will be.

In Western countries, passive income options are actively considered by millions of people. They prefer a one-time investment of funds and the loss of time in order not to think about the level of their material well-being in the future. Everyone wants to get away from daily, monthly and yearly visits to one workplace. A stable salary, which is the guarantor of stability, is gradually losing its attractiveness. It is in fashion to search for alternative ways to earn money, with big profits and minimal effort and time.