With development binary options and dealing centers "Forex" in the country there are new ways of advertising and marketing. The fastest growing and most effective for an advertiser is video blogging and community management. It is extremely cheap, but most effective. And as an example, we should take the Alexey Vilniusov community, reviews of which were studied to write this analysis of its activities.

Community Brief, Trade Criticism

Of course, this is one of the proofs of close cooperation with the broker. Otherwise, how can you get honest information that a member of your group has this deposit, and did not make a screen of the account and add zeros? You should also study the tactics that brought him earnings. Its components are:

• trading on minute charts, where there is a lot of "market noise" and activity artifacts;
• use of the system of doubling the option contract in case of loss;
• lack of clear criteria for entering a deal;
• the absence of a news filter or elements of fundamental analysis to cut off periods of high volatility with unpredictable price behavior;
• trading for large amounts without adequate money management.

From these theses, a logical conclusion follows that "Aleksey Vilniusov" is a divorce. This is just a marketing product of the Olymp Trade company, which is needed to attract new customers. And the persona of a supposedly independent options trader who has made it his life's work to show other people how to make a lot of money is perfect for that.

Aggressive marketing

This scheme works in the following way: a character is created by a dealing center who allegedly makes excellent money on the simplest doubling strategy. He leads the community "Alexey Vilniusov Reviews" (transliteration of this name is the address of Vkontakte). The founder lives in the most expensive hotels and buys great cars for himself and his wife. Wonderful! And partly, after all, it costs nothing for the company to finance such an ostentatious family, but not with money earned from trading, but with salaries from Olymp Trade. It is likely that a person or group in the marketing department is constantly moving around these hotels or they rented a house on the coast. It will be cheaper and more effective than attracting customers through traditional advertising.

The official group already has more than half a million people. With such a presentation of material on trade, the conversion from group members to company customers increases significantly and can reach 50%. Then which broker do the community members go to, where Aleksey Vilniusov runs the show? Olymp Trade, that's right. It is this blogger that advertises and cooperates directly with him. More precisely, he is a blogger only for all of us, but for the company he is a valuable employee.

Alexey Vilniusov. "Olymp Trade" creates personalities of video bloggers

Note. Creating the Alexey Vilniusov community, Olymp Trade took into account all the little things and potentially vulnerable points, but did not miss the main opportunity, which is to promote their services through the specified blogger. In videos and on the page of the Alex.V VK community, promotional codes are very often offered, allegedly allowing you to increase the size of your account.

Of course, having become a very famous blogger, you can try to impose your own terms of cooperation. But here the situation is different: the broker publishes everything he wants through his own community. And, of course, he pays a certain Vilnius salary, but not the full advertising fee. In addition, a trader who usually makes transactions on behalf of the blog owner puts a lot of money into circulation. By the way, Traderyulya and some other bloggers, broadcasting from the screen in interesting outfits, do the same. This tactic, presented ostensibly from an outsider who has nothing to do with the broker, is very ingrained in the minds of potential clients. But the Alexey Vilniusov community, reviews of which are generated on the Web almost every second, is not at all independent, but wholly owned by Olymp Trade.

It aims to attract the maximum number of clients for "Olimp" and earn on them. With the huge losses of traders, it is quite easy to maintain even a large marketing department. Therefore, it is surprising why there are so few such “Alekseev Vilniusovs” and “Traders”. Then why can a lot of money be put into a trade without the risk of loss? And here everything is easier than you might expect. The broker will allocate to his advertising face huge sums money, as much as you need. But this does not mean that Olympus will lose them. This is the options kitchen, where the client's loss is the company's profit.

The money allocated for the recording of the video will be returned back to Olympus in any case. Or the video will not be recorded the first time, and the funds in the form of a loss on a real account will go to the company, or if you win, you will receive a video with excellent profitability. That is why a video blogger, or rather, an official or corrupt employee of Olymp Trade, can afford several takes. More precisely, endlessly repeating recordings until you get excellent quality video content that can attract a huge number of customers.

Alexey Vilniusov was born on February 10, 1989 in Leningrad. I grew up in a complete family: my mother is a biology teacher, my father is an industrial plant worker. He studied well at school, but there were conflicts with teachers because of the boy's excessive independence. In the 6th grade, Alexey's parents noticed a penchant for mathematics and turned a blind eye to unsatisfactory grades in the humanities.

At the age of 15, he got acquainted with computer technology and, like everyone else at that time, became interested in exploring the possibilities and practical applications of the Internet. The boy was inspired by his computer science teacher - he led a computer circle, where he introduced interested schoolchildren to the device of technology, the basics of writing programs, and ways to search for information on the Internet.

In high school, Alexey tried to participate in math olympiads, but he did not advance beyond the city level. The boy dreamed of getting rich and going abroad, so besides in English which was included in school curriculum, in the tenth grade he began to study German, but almost immediately gave up, because the family did not have money for tutors.

Career

Aleksey Vilnyusov graduated from the eleventh grade with a certificate without triples and the first time he entered the St. Petersburg Technical University for a paid department. To pay for the education, Alexei's parents took out a large loan and were forced to live in very cramped circumstances. Alexey tried to help the family: he worked as an assistant at a construction site, a manager in a communications salon, a promoter, and a bartender on the night shift. Alexey was able to get a job as a waiter in an expensive restaurant, but in the third year it became difficult to combine work and study, and he opted for education.

In parallel, Alexei continued to explore the possibilities of Internet technologies. Later, his teacher offered the young talented student a job as a laboratory assistant at the department with access to high-precision technology, which opened up prospects for growth in the scientific field for Alexei. Unfortunately, science could not help the young man pay off his education loan, so he decided to spend his time on more practical pursuits.

Trading helped Alexey Vilniusov travel the world

Not being able to get a second education, Alexey himself determined the field of finance and began to study it from videos and materials on the net. After graduating from the university, Aleksey Vilniusov worked in the office for a year, but the measured work rhythm required great perseverance, and the lack of experience was poorly paid, so Aleksey decided to start working for himself and tried to open an online electronics store. The business failed due to the optionality of suppliers, and six months later Alexei closed the IP and decided to try his hand at something new.

Then Alexey Vilniusov seemed to start a new life: he got a job as a barista in a cafe opposite a large bank, rented a room, met a girl he fell in love with. Positive changes in personal life, the dream of a rich life pushed Alexei not to stop there, but to look for options for legal and quick income as soon as possible. His attention was drawn to the conversations of the bankers who came to lunch. Thanks to one of these conversations, Alexey learned about trading companies and decided to independently study the issue of trading on the Internet.

For the first three months, he went into the red, so he applied logic, connected self-education in the field of finance and some tricks that he learned on thematic forums. As a result, Alexey Vilniusov created a successful trading scheme and earned the first 30 thousand in a month. Six months later, Alexey quit his position as a barista and devoted himself entirely to trading, bringing his earnings to 300 thousand per month. Realizing that this work will provide him with a stable income, Alexey made an offer to his girlfriend for the anniversary of the relationship and issued an apartment in a mortgage for a short period.

Personal life

Aleksey Vilniusov is married and has two children, and also fully supports elderly parents. Children watch with interest the work of their father, and Alexei trusts the elder to make small deals and explains the essence of what is happening. He is fond of self-development, loves books by Vadim Zeland and every six months travels to a new exotic city. Remote work allows him not to sit still, but to watch the world.

Alexey Vilniusov on vacation

Last year, he traveled five days in five European capitals: Rome, Barcelona, ​​Paris, Amsterdam, Helsinki. Alexey plans to travel around all continents and at least the capitals of all major states. He plans to do so within the next two years. Aleksey Vilniusov himself claims that the main secret of success is to stop being afraid and start doing.

“Fear binds our brain and does not allow it to see the real state of things, and in the case of trading, a timely correct move can elevate you to Olympus.”

Alexey Vilniusov now

In 2017, Alexey's income averages 2-2.5 million rubles per month. Currently, Alexey Vilniusov is actively teaching young traders the art of making money, because after self-realization he wants to transfer knowledge to others and thus, perhaps, make someone's life easier.

Judging by the responses and the number of questions that Alexey receives about his lessons, the number of students is increasing every month. Among them are representatives of different cities and countries. He leads

Official biography

According to the officially supported version, Aleksey Vilniusov is a native of Leningrad, was born on February 10, 1989, grew up in a family of workers. His mother taught biology in high school, and his father was on the staff of an industrial enterprise. Childhood years were devoted to study, and in adolescence, a passion for computer technology began. The young man attended a thematic circle on computer science. The teenager mastered the basics of programming, technical device machines, internet. The performance in the exact sciences was good, and the marks in the humanities were average. The young man graduated from school successfully and entered the paid department of a technical university.

The combination of study and work had to be stopped in the third year of university.

Trading in financial markets

The most popular trading methods promoted by Vilniusov are as follows:

• "Color to color" - deals are supposed to be opened in the direction of the current trend. An option is bought corresponding to the previous closed candle. If an ascending bar is formed, then an “Up” deal is opened. The appearance of a “bearish” candle on the chart serves as a signal to open a “Down” position. If the trade closes with a loss, then the option is bought in the opposite direction.
• "Barcode" - the De Marker indicator is used. Trading is carried out according to the trend with the opening of positions upon receipt of signals consisting in the appearance of several strokes of the same color in the "indicators" window. Signals are confirmed by candlestick analysis.

Public activity

The trader has developed a system for compensating for losses, which involves an increase in the size of investments in case of an unfulfilled forecast. It is argued that the method is designed for 9 steps and allows you to level the effect of negative mathematical expectation, which is typical for binary options.

In fact, this is a variant of the martingale and can lead to the "merger" of ever larger amounts and complete bankruptcy.

Olymp Trade promotes the platform of the notorious binary options broker Olymp Trade as a source of constant high income. It is claimed that passive income organized by using the capabilities of the partner program of this company.

Alexey Vilniusov is also engaged in teaching activities. Trader founded in social network"VKontakte" community "How to make money on the Internet." The entrepreneur has a YouTube channel Alex V. and a business account on Facebook: "How to earn / Where to invest." Information resources are used to offer strategies, trading methods and exchange of opinions.

Regular streams are organized with a demonstration of the practical capabilities of a trader. Aleksey Vilniusov offers his colleagues the VIP Club product. Anyone who replenishes a deposit with a broker in the amount of 30,000 rubles or more can become a participant. Project participants receive a number of benefits:

• individual training in trading;
• detailed analysis of strategies;
• familiarization with the priority settings of indicators;
• psychological support;
• trading consulting.

It also attracts people as part of an affiliate program. The size of referral payments depends on the trading volume, attracted traders. Conducted individual training allows you to increase the level of skills of invited people. An increase in referral income leads to an increase in the level of payments to the partner. Attracting referrals is carried out by distributing promo codes through the VKontakte group. People are offered to accrue a bonus when replenishing an account with the introduction of a code.

Personal life

The personal life of a trader is not publicized.

The trader's hobby is travel. Travels overseas regularly. You can see video reports about his adventures abroad on the pages of communities he created on the Internet.

Videos are published that describe visits to the world's largest capitals, the most popular resorts. Judging by these videos, Vilniusov regularly visits the United Arab Emirates, Spain, Italy, the Netherlands, Finland, and France.

Self-PR

It is actively promoted through telegram channels. There is a fake page imitating a Wikipedia article at aleksey-vilniusov.rf/wiki/Aleksey_Vilniusov.

The same type of laudatory articles with "official biography" are posted on a mass of sites, for example, on 24smi.org. Self-praise is dedicated to the profile on

Money depreciates over time, meaning it loses its purchasing power due to inflation. This process happens all the time. That is why keeping your savings under the mattress is unprofitable and unreasonable. Funds must be invested profitably. Only in this case they can be preserved and increased.

You should not think that only wealthy people can profitably invest in Moscow or another city in the country. Every person should be able to properly manage their savings. At the same time, the main danger for any investor is the lack of information. That is why it is necessary to study in detail the experience of successful people, the basic rules for investing money, expert opinions, and so on. You should start your journey by reading this article. If you are interested in information on how to work with online investments, then follow the link. Important: come back, there is a lot of useful stuff here!

Basic principles of investment

There are 5 basic principles, which should be followed by every person who wants to get a good return on investment of money with the least risk. They are formulated taking into account the experience of the world's leading investors. Ignorance or neglect of these rules can be costly. Let's examine each principle separately.

Principle 1. Create a financial cushion.

Without a certain financial base, investing money is strictly prohibited. The only exception is a bank deposit. After all, it is rather not an investment, but a savings instrument. Investments are often associated with risks, when investing money you must be aware that there is always a chance of losing it.

What is a financial cushion and how to create it? We are talking about a six-month supply of money on which you and your family can live, maintaining the usual standard of living without other sources of income. To create such a pillow, you need to regularly save financial income (for example, salary) or sell existing property.

If your family spends 50 thousand rubles a month, you need to collect at least 300 thousand rubles. Only then should you think about what you can profitably invest in.

It is worth noting that you can engage in profitable investment of money without a financial cushion only if you have passive income. They call it a flow of incoming funds that does not depend on daily efforts. This can be income from your own business, renting out an apartment or dividends on shares.

Principle 2: Diversify your investment.

For money to work correctly, think about what it can be invested in in order to comply with the principle of diversification, that is, separation into different instruments. This concept is probably familiar to you. In other words, it means "don't put all your eggs in one basket". After all, if it falls, you will be left with nothing. The same will happen with your funds if they are invested in one project. Always adjust investment portfolio: let's say your investments have grown over the year in one of the industries. Then you need to add part of the money to other projects so that the invested finances do not accumulate in one area

Diversification involves investing money not only in different financial instruments, but also in sectors of the economy. For example, if cash invest in the stock market, build your portfolio so that they work in companies of different sectors.

What is an investment portfolio? It is the totality of all assets of the investor. If you have invested in a business, stocks, real estate, all these profit-making tools will be called an investment portfolio.

To make it as resilient as possible to market changes, it is recommended to distribute savings between the banking, oil and gas, manufacturing, agricultural and food sectors. If one area suffers losses, the rest will “pull” funds up and will not allow the investment portfolio to sink.

Principle 3: Control risks.

Risks are the main problem that absolutely all investors face. Before investing, think about how much investment you can lose and where you can compensate for them. Only after that it is worth predicting the possible profit.

Unfortunately, novice investors make the same mistake. Having overestimated their strength and experience, they immediately choose aggressive investments instead of investing in more conservative instruments. As a result, the investor loses all his savings.

Profitable investment of funds is the same science as any other professional business where a serious approach is required. That is why evolve into this direction it is necessary to gradually, moving from simple to complex.

Start with $100 or $1,000. You should not invest large amounts, especially in something that you know little about. Never take loans or loans with the hope of multiplying them in some super profitable way. In 99% of cases, this ends with the loss of the entire amount and debt obligations. Agree, no one wants to be in debt for 500000 or even 1000000 rubles

Thus, do not rush. Future millions will not run away if you take the time to become a good specialist in this area. Otherwise, it is impossible to earn a lot of money.

Principle 4: Attract co-investors.

As experience is gained, funds can be invested together. So you get more opportunities and can choose the most profitable investments.

For example, you know about a profitable and reliable project or tool, you have free funds, but they are not enough. Then it is worth finding people who are ready to support this investment idea and invest on a parity basis with you.

Recently, trading accounts have become a fairly common topic. In this case, people transfer their savings to a professional manager for trust management. However, he cannot dispose of them on the right of ownership. Funds can only be used for profit. The manager receives a percentage of it as a reward for good work.

Thus, several investors can create a trading account and transfer it to trust management. They take all the risks in proportion to the money invested. At the same time, investors can agree with the manager that he stop working when he receives losses in a specific percentage.

IMPORTANT: If we sum up such a scheme, we can see that experts agree that it is better for investors to be willing to donate, for example, 15% of their savings to earn 30%.

Principle 5. Create passive income.

Capital increase is very good. However, it is equally important to create passive income from investment activities.

Let's say you invested 100 thousand rubles in 2018, and after 1 year, in 2019, you received 130 thousand rubles. In this case, the income is 30%. But there is no guarantee that next time you will receive the same amount. It should be borne in mind that a yield of 30% is much better than a bank one. This means that the risks are also higher. If something goes wrong, you could lose all or most of your savings.

ADVICE: On the other hand, if for 100 thousand rubles you could create passive income for yourself (for example, the same 30 thousand rubles a year), you can easily take a loan for the same amount. These funds should be invested more conservatively. Asset and passive income will act as a guarantee of the return of the borrowed money.

How much can you start investing?

You can start investing in Moscow or any other city in the country with any amount. If you have chosen a bank deposit, earnings on the Internet or shares as an investment instrument, even 100 rubles will be enough.

What to do if there is no money at all? In this case, you need to start saving at least 10% of any income. Thus, the habit of creating a financial reserve for oneself will be formed. As income rises, savings will increase proportionately. The invested funds will work, and you will rest.

The fact that it is necessary to save money is said by all famous people who teach the correct handling of finances and show by example where it is better to invest. These include Bodo Schaefer, Brian Tracy, Warren Buffett, Robert Kiyosaki and others.

Unfortunately, as their income increases, many people spend even more. Some even take out loans because they don't have enough money all the time. In this case, it is impossible to become a successful investor and earn the desired amount. That is why you need to constantly monitor the balance between income and expenses, live within your means.

Where to invest money to make it work?

Today you can find a lot of information about where to invest. There are both traditional and more modern methods.

Banks

A bank deposit is the most popular way to invest your money. However, the income generated is barely comparable to the rate of inflation.

The advantages of this method include:

• high reliability;
• high liquidity;
• the minimum threshold for investing money;
• simplicity and clarity of the investment instrument.

Disadvantages of a bank deposit:

• low profitability;
• loss of interest on early withdrawals.

Real estate

You can invest in residential or commercial real estate. Of course, in the second case, you can earn more. However, the purchase of commercial real estate requires a great deal of knowledge.

Pros:

• the opportunity to earn money on the difference between the cost of buying and selling;
• the opportunity to receive passive income by renting out real estate;
• protection of funds from inflation;
• the opportunity to invest in real estate for their own needs.

Minuses:

• low liquidity;
• high entry threshold;
• susceptibility of objects to mechanical damage.

Mutual funds

Such organizations are a form of collective investment and use the funds of individuals. In other words, mutual funds take the money of shareholders and purchase shares of certain companies for them. The profit received is distributed in proportion to the contributions of the participants.

Mutual Funds Advantages:

• interest at the end of the reporting period is often higher than in a bank;
• a wide range of investment instruments;
• small initial investment.

Disadvantages of mutual funds:

• the complexity of the process of investing funds compared to bank deposits;
• relatively high risk.

Trading accounts (Forex market)

In this case, the money is transferred to the management of a professional trader. He makes currency transactions in the Forex market. At the same time, account holders can control their savings and, if necessary, stop the work of the manager and withdraw the money earned.

Pros:

• small entry threshold;
• high profitability;
• the ability to change the manager at any time;
• the possibility of withdrawing money at any time;
• no need for special skills and knowledge.

The only disadvantage of trading accounts is high risks. Each manager can lose funds, regardless of his experience.

Binary Options

In this case, the trader determines whether the value of the underlying asset will be higher or lower than its current price by the time of expiration. If the forecast comes true, he makes a profit. A very simple and fast way to make money, however, the risks are appropriate: without a clear strategy, you should not invest thoughtlessly.

Pros:

• a large selection of trading instruments;
• the possibility of planning potential profits;
• the ability to trade anywhere and at any time;
• simplicity and short-term trading;
• small entry barrier.

Minuses:

• high level of losses;
• no possibility of early closing of the transaction.

Issuance of microloans through the stock exchange

In this case we are talking about P2P lending, that is, when the lender and the borrower are ordinary citizens. They cooperate through various exchanges without the participation of banks.

Pros:

• a small entry threshold is set;
• the lender independently decides to whom and under what conditions to issue money;
• access to the system and work with clients are carried out around the clock;
• the lender can diversify capital, that is, consider an unlimited number of applications and conclude any number of transactions.

Minuses:

• insufficient protection of investors (often they have to independently chase people who do not repay loans);
• the inability to fully verify the solvency of the borrower;
• many exchanges are HYIP projects.

Business

Do you have an entrepreneurial spirit and some commercial experience? Then own business can become the most profitable investment. There are also certain risks here. However, the investor can flexibly manage them, since he makes decisions on his own.

Pros:

• the investor independently manages the funds, building and optimizing business processes;
• it is quite easy for a business to find a pool of investments, which allows you to raise additional funds;
• it is easier to get a loan for a business than for other investment instruments.

Minuses:

• high risks of loss of funds;
• low liquidity of many assets;
• the need for personal participation in the conduct of business.

Securities

The use of this tool requires professionalism and skill. There are many examples where the shares of some firms have grown several times in a short period of time. However, there are hundreds of other organizations that have gone bankrupt. Nobody advertises this. There is no guarantee that the money invested will bring a profit.

Benefits of securities:

• you can get high profits;
• you can independently come up with an investment scheme;
• you can invest even a small amount of money;
• the resulting profit and loss depend only on the investor.

Minuses:

• certain knowledge is required;
• expected income is unstable.

precious metals

Precious metals have always been highly valued, and their value is increasing every year. That is why this method is one of the most reliable. Money can be profitably invested in gold, silver, platinum and palladium.

Pros:

• the presence of various forms of investment (bullions, coins, OMS, securities, which are provided with precious metal);
• relative exchange rate stability;
• preservation of the value of metals for a long time;
• protecting funds from inflation.

Minuses:

• relatively low level of liquidity;
• slow growth in value;
• high tax on the purchase of bullion;
• high spread when purchasing coins;
• at opening CHI receipt profit is possible only in the case of an increase in the cost of the metal.

Art

As investment asset paintings, sculptures, antiques, retro cars and so on are considered. Money invested in art can be easily withdrawn by selling exhibits at auction.

The advantages of this method:

• the opportunity to get super high profits;
• increased resilience to economic and political shocks;
• minimal risks.

Minuses:

• large entry threshold;
• low liquidity;
• the difficulty of assessing the cost and authenticity;
• long term investment.

Venture funds

Venture funds accumulate on their accounts the funds of investors who invest in the development of startups. The most popular are innovative and high-tech projects, because their prospects are much higher, and technological start-ups require initial capital to get started, but the revenue is much higher.

Advantages:

• maximum return on investment of money if the project is successful;
• small entry threshold;
• opportunity to gain useful experience.

Flaws:

• big risks;
• relatively long time for the project to reach self-sufficiency.

HYIPs

is an investment fund operating on the principle of a financial pyramid. In this case, the money is paid out from the funds of new investors. How to make money in such projects can be easily found on the Internet, this industry is built on advertising noise and each developer tries to make the project as accessible as possible.

Pros:

• crazy profitability (1-3% per day);
• high rate of profit;
• low entry threshold;
• complete anonymity of all participants in the process.

Minuses:

• high level of risk, since it is difficult to predict the time of the HYIP;
• lack of a chance to return the lost funds.

Cryptocurrencies

- this is the same money, only in digital format. We are talking about Bitcoin, Litecoin, Namecoin and so on.

Pros of investing in cryptocurrency:

• the opportunity to earn on the exchange rate difference;
• small commissions for transactions or their absence;
• small entry threshold;
• uncontrolled exchange of money between users.

Minuses:

• high volatility;
• lack of guarantees for the safety of funds;
• certain knowledge required.

Sites under CPA

If you are looking for where to invest money, you can also choose to invest in an information site, forum or blog. It must be created for a CPA affiliate program. These sites host thematic traffic and affiliate links. The owner receives money for a certain user action (for example, buying a product, watching a video, downloading a file, filling out a questionnaire, and so on).

Advantages:

• various actions are paid, and not just the purchase of goods;
• you can choose several partners at once;
• affiliate links can be placed even on sites with low traffic.

Flaws:

• non-transparency of relations between partners of the CPA network;
• possible payment failures.

MFA sites

MFA sites are designed to make money on contextual advertising Google Adsense.

Pros:

• high cost per click due to competition among advertisers;
• minimum requirements for sites;
• availability of analytical tools;
• the speed of adding a site to the system.

Minuses:

• the minimum withdrawal amount is $100;
• earned funds can be received only by depositing a personal check sent by mail for collection;
• there is a risk of blocking the account.

Such sites are created to sell rental or permanent links. This way of earning was very popular in the past. However, today there is a decrease in income due to increased risks for buyers.

Pros:

• instant income;
• ease of earning;
• constant rise in prices.

Minuses:

• the risk of falling under the filters;
• decrease in the relevance of links;
• permanent decline.

Phone applications

The easiest way to make money is on simple phone applications that can help in some way in life. They can also combine helpful information on a specific topic. In addition, these may be free applications in which you can buy something while using it.

The advantages of this method:

• investor needs a small amount money;
• you can make good money if the application is unique and useful;
• invested funds are almost impossible to lose, because everything depends on your efforts.

Flaws:

• a good idea is required;
• it takes a lot of time and effort.

This method can be called very good. However, it is precisely ideological active performers that are needed. Making money on the Internet is a very promising direction, if you pay due attention to it and approach it as a serious investment. 95% of the publics are now “dead”, their owners spent their own funds on advertising and promotion, but did not receive the expected profit due to a frivolous attitude to the project.

This method has the following advantages:

• creating a public is very simple;
• investments are required only at the initial stage;
• You can earn on advertising or selling public.

Flaws:

• you need to publish material regularly;
• you can get a ban from the moderators.

Investing in your development

If you want to invest money, choose to invest in your development. This is the most profitable and risk-free way. If you do not invest in your development, everything else is practically meaningless.

Advantages:

• the benefit reaches 100%;
• risks are reduced to a minimum value;
• so anyone can invest.

There are practically no disadvantages to this option. You must be prepared for the fact that self-development will require a lot of time and effort.

Where not to invest?

Almost every person at least once in his life heard about making money in an online casino. And if not, then you have probably come across ads that promise crazy profits without much effort. You only need to go through a simple registration, and then proceed according to a strict scheme. What is its essence? You need to place a bet. If you lose, it is doubled and bet again on the same color. According to the martingale law, victory will definitely await you soon. If the casino allows you to win, you need to immediately change the color. After that, the player acts according to the already familiar pattern. He bets money, loses it and doubles down. This continues until the person runs out of funds or wins.

Among the methods of making money on the Internet, there are different casinos. Some of them take 10-15% of the profits, and redistribute the rest among the players. However, there are not so many of them. Most online casinos take everything and just pretend to play. They work for a while, get paid, and then disappear. Soon such casinos will start their activities again. However, they are now operating under a new name and using a different website. How to make money under such conditions is a big question. The main difference between the casino is that everything is decided for you even before the bet, keep this in mind.

I do not recommend investing in online casinos, because there is no easy money. But if you still decide to bet, then play no more than 2-10 minutes a day. It is during this period of time that the casino allows itself to be beaten. If you exceed it, you will lose all your savings. Casinos are masters of pulling out your money and gamblers often go into the red. There are frequent cases when the thirst for easy money led people into a very unenviable position. If you are a gambler, it is better to refrain from this income. Not only luck works here, but also a clear program and a pseudo-random controlled by the casino organizers.

Lotteries are analogous to casinos. In this case, the organizers sell tickets, for example, to 10 000 rubles. Among them there is one winner. The winner receives 500,000 rubles, and the rest of the money goes to the organizers. The lucky one is photographed and shown to everyone as an example of the honesty of the company. This allows the organizers to attract even more money. But the probability of winning the lottery remains very small.

HYIPs are considered one of the most profitable ways to invest money. Such structures operate on the principle of a financial pyramid. They attract investors' money by promising a high return on investment, which can reach 15-100% per month. Funds are paid out as long as there is a flow of new depositors. We can say that HYIP is the same kind of casino, because you can never predict what will happen in the end, your investments can either increase or disappear. Like any other pyramid scheme, HYIP projects are a highly profitable industry, but with very high risks. I recommend making several trial investments, and even theoretical ones are better. Find any transaction that matches your planned investment and watch it. It is most convenient to keep track of several projects, so you will learn to pay attention to trends and understand the mechanics of how HYIPs work. Be skeptical of the opinions of experts who advertise HYIPs, remember that they get paid for it.

The principle of operation of such structures is quite simple and understandable. First, the pyramid itself is created. After that, active advertising of the hype on the network begins. People think that they are investing their savings in something real (for example, in Forex, futures, stocks, and so on). However, nothing is actually invested and everything is in one place. As soon as the creators see that the expenses exceed the receipts, they close the project. All those who invested money in HYIP and did not have time to withdraw it, are left with nothing.

Such pyramids live from 1 day to several years. It is on what project you will face that your win or loss will depend. It is worth noting that most HYIPs are closed on the first day due to the lack of experience of their creators. However, there is a small category of admins who have been running their projects for years. This suggests that progress does not stand still. The creators of such schemes come up with more and more new ways to work longer and earn more.

I have experience with these financial pyramids. At first, I didn’t have anything good from HYIPs, although there was still a profit from time to time. Today I receive a stable income. However, as I said, every time HYIP admins come up with something new, and because of this, it is more and more difficult to distinguish them from normal ones. investment projects. That is why, if you have never worked with financial pyramids and do not know how everything works, you should not invest in such projects.

Remember that it is possible to invest in HYIPs, but only their creators benefit from such investments. Also, profits can be received by those who managed to enter and exit the project on time. Unfortunately, there are not many such people. If you still decide to participate in the hype, choose a project with a longer history of work on the market. In addition, it is necessary to closely monitor its activities. At the slightest doubt, you need to promptly withdraw savings with interest. However, this does not guarantee the safety of your finances.

Also, do not invest in illegal and morally unacceptable projects. We are talking about the trade in drugs, weapons, counterfeit goods, the organization of brothels, shell companies that launder money, fraudulent schemes in the field of real estate (for example, eviction of single pensioners, re-registration of housing, corruption in construction) and so on. Even if you are promised high profitability and stability, you must understand that, firstly, you will have to answer for this, and secondly, it will be unpleasant and restless for you to spend money received at the expense of the suffering of other people. To live in peace look for fair and socially acceptable ways to make money. Only in this case you will gain financial freedom and spiritual harmony.

Assistance in creating an investment portfolio

Do you want to profitably invest money in Moscow, but doubt your abilities? Then contact me. I have been investing on the Internet for more than 5 years and have consistently made a profit. Readers of my blog can order a professionally assembled portfolio for free. To do this, just write to the mail [email protected]. In the letter, indicate the available amount, the desired yield and a list of projects in which you have already invested. I will make every effort to ensure that the collected portfolio is profitable and successful.

So where is it profitable to invest your money so that they work? In this article, we will look at 5 popular ways to invest funds that have stood the test of time.

Hello, friends! Alexander Berezhnov is with you, entrepreneur and one of the founders of the HiterBober.ru website.

In writing this article, I relied on my experience, the experience of my friends, and also studied a huge amount of materials and talked with large millionaire investors in order to give the most competent and detailed answer.

With this post, I begin a series of articles on the topic “Where to invest money”.

Here we will consider both popular ways of investing money and “exotic” ones. I will highlight the advantages and disadvantages of each of them, and at the very end I will summarize our review.

At the end of the article, I will tell you where you should NOT invest money so as not to burn out. So let's go!

1. Principles of competent investment or what experienced investors look for

Here we will look at the principles that should be followed in order to get a percentage of your investments above the bank rate with almost the same reliability.

Why do I say that almost the same? Remember the golden rule of investing?

Profit is always proportional to the risks that the investor takes on!

It may seem banal for some, but the first thing you should start investing with is to acquire the necessary knowledge. This means that it is best to invest the first money not in stocks, not in gold, not in a bank, but to invest in yourself - they will pay off many times over. This is what the two richest men in the world, Bill Gates and Warren Buffett, recommend doing.

After you have the necessary knowledge and understanding of various financial instruments, their principles of operation, expected profits and risks, you can move on to practice.

Principles of competent investment of the world's leading investors

Principle 1. Create a financial cushion

This means that without a certain financial base, it is STRICTLY FORBIDDEN to invest. The only exception is a bank deposit, as it is rather not an investment, but a savings instrument.

What is a financial cushion and how to create it?

financial pillow- this is a six-month supply of money that you and your family can live on while maintaining the usual standard of living, having no other sources of income.

You can create such a pillow by regularly postponing financial receipts (salary) or by selling existing property.

For example, if your family is used to living on 50,000 rubles a month, then you must have at least 300,000 rubles to start investing.

The exception when you can start investing money at interest without having a financial cushion is if you have passive income.

Passive income- the flow of money coming to you, which does not depend on your daily efforts, such as renting out real estate, stock dividends or profits from an existing business.

Principle 2. Diversify investments

For your money to work correctly, think about where to invest it in order to comply with the principle of diversification, that is, the division of funds into different investment instruments.

If you have become interested in the topic of investing, then surely this concept is familiar to you. In other words, this means " don't put all your eggs in one basket". If you have a basket of eggs and it falls, then all the eggs in it will break and you will be left with nothing.

This will happen with your savings (savings), if you invest them all in one business (project) or investment instrument.

By the way, diversification involves not only investing in different financial instruments, but also in different sectors of the economy.

For example, if you invest in the stock market, then try to form your investment portfolio* so that your money works in companies of different sectors.

Investment portfolio- the totality of all assets of the investor. For example, if you have a deposit in a bank, stocks, real estate, a business - all these tools for making a profit in terms of investments will be called your investment portfolio.

To make your investment portfolio as resilient as possible to market changes, invest 20% of free funds in the banking sector, 20% in the oil and gas sector, 20% in the manufacturing sector, and 20% in the agricultural or food sector.

So, if one company (sphere) starts to suffer losses, then the rest will “pull” your funds up and will not let the portfolio sink.

Principle 3: Manage risks

Risks- this is the main "problem" that absolutely all investors face.

Remember, before you invest money somewhere, think about how much you can lose and only then - how much can you earn.

Unfortunately, beginners make the same mistake - their eyes light up, dollar signs appear instead of pupils, and now they are already rubbing their hands in anticipation of millions.

How are things in practice?

But in practice - everything is different! Having overestimated their strength and experience, many people immediately try to engage in aggressive investing and lose money, instead of investing in more conservative instruments. So it turns out in the end that the greed of the fraer ruined ...

Investments are the same science as any other professional business, which means that you need to evolve in this direction gradually, going from simple to complex.

Start with 100 or with 1000 dollars, and God forbid you invest large amounts at once, especially in what you do not understand!

The height of illiteracy here is to borrow money at interest and try to quickly "crank" them in some "super profitable" way.

In 99% out of 100, this ends with the loss of the entire amount and the credit burden that hangs over you like a sword of Damocles.

Do not rush, because if you become an investment specialist, then your future millions will not run away from you anywhere. On the contrary, if you rush and try to get rich instantly, then there is a great chance that you will never earn big money.

Principle 4. Attract co-investors

As you gain experience as an investor, you can invest together by forming investment pools. So you can get more opportunities - where to invest money so that they work with maximum efficiency.

For example, you have found a project or tool that you think is attractive for investment, you have free funds, but they are not enough. Then find those who are ready to support your investment idea and invest money on a parity basis with you.

In recent years, a fairly common topic has become pamm accounts. In this case, investors transfer to trust management* your funds to a professional financial asset manager.

Trust asset management- a type of financial and business relationship where one person or company transfers its money (property) to another person - a trustee.

At the same time, the manager cannot dispose of these funds or property on the basis of ownership, but only has the right to use it to extract profit, a percentage of which he receives as a reward for successful management.

So several investors can create such pamm account pooled together and transfer this amount to trust management, while all risks of losses are assumed by investors in proportion to the invested funds.

With the manager of such an account (trader), investors can agree that he should stop working on the account when he receives losses in a certain percentage of the account value.

If we summarize this investment scheme, we see that investors are ready to donate, for example, 15% of their money to potentially receive 30% income.

Principle 5. Create passive income

Increasing your capital is very good, but no less important point what remains here is the creation of passive income from your investment activities.

Why is it so important?

If you understand the course of my thoughts, then you are guaranteed to take a fresh look at investing your funds.

illustrative example

You invested 100,000 rubles and received 130,000 rubles in a year, that is, you earned 30% on the invested funds.

However, next time you cannot be 100% sure that you will earn another 30% or more in a year. Considering that such profitability is much higher than the banking one, it means that the risks of this method are much greater.

You may even lose most or all of the amount if something goes wrong next time.

On the other hand, if for 100,000 rubles you could create passive income for yourself, for example, the same 2,500 rubles a month, which also amounts to 30,000 rubles a year, then in this case, you can easily borrow the same 100,000 rubles and invest them more conservatively, so your asset with a passive income of 2,500 rubles is a guarantee of the return of a new loan amount of 100,000 rubles.

In order to better understand how to create passive income and then create assets with it, I recommend playing the game " Cash flow » the famous investor, entrepreneur and business coach Robert Kiyosaki.

By the way, here is what Robert Kiyosaki says about the importance of passive income:

2. How much can I start investing

You can start investing with any amount. If you have chosen a bank deposit or shares as an investment instrument, then here you can start with literally 100 rubles.

If you have no money at all, then just start saving at least for 10% from any of your income. So you will form the habit of creating a financial reserve for yourself and as your income grows, your savings will increase proportionally. Money will work for you while you rest.

All famous people who teach success and proper handling of personal finances talk about the need to save money: Bodo Schaeffer, Robert Kiyosaki, Warren Buffett.

The fact is that many people, with an increase in income, begin to spend even more and even take loans, since they do not have enough money all the time. It is called "reached the good life".

Always control your balance between income and expenses, live within your means!

Franchising is one of the most reliable and profitable ways to invest.

Do you want a reliable investment option? Take advantage of the offer of our website partners: become co-owners of a chain of Japanese cuisine restaurants.

The project is handled by Alex Yanovsky, a businessman with 20 years of experience who has launched many successful startups from scratch. At the time of writing, the Sushi Master franchise has 125 restaurants in 80 cities and 8 countries around the world.

My friend Sergei opened a Sushi Master point in Maikop in the format of an island, investing 1.5 million rubles and six months later he already paid off his investment. So the scheme works not only in theory, but also in practice.

In section 4, I will describe in detail how to competently open a business under this franchise, investing a quite moderate amount in a promising direction of catering.

Here is what Alex has to say about the benefits of starting a franchise business:

3. Where to invest money to make it work - 5 profitable ways to invest

Now many people's eyes widen from various proposals - where to invest money. If you open the Internet and read articles on this topic, then someone offers to buy such and such a super-course, after which you will become a millionaire in a week.

But in most cases, all these "magic pills" are nothing more than a good way to steal your savings.

Now we will look at the classic ways that allow you to invest in understandable instruments with predictable returns and moderate risks.

Method 1.

This is the most popular way to save money, but its income is barely comparable to the inflation rate in the country. So if you invest money in a bank and keep it there from year to year, then at best you simply won’t lose it, there is no question of more or less tangible earnings.

Now Russia has adopted a law that guarantees payments on deposits in 1,400,000 rubles in case the bank fails. This applies to all banks that have an official license to carry out banking activities.

Previously sum insured was 700,000 rubles. That is, if you invested your money in a bank and for some reason it ceased to exist, then the state will compensate you for your money if the deposit amount does not exceed the insurance one.

Now in our country there are hundreds of banks with interest rates from 5% before 12% .

Historically, the most popular bank among our citizens is Sberbank, although here the percentage of deposits is one of the lowest, but a large branch network and high reliability of the bank itself allow it to remain a leader in terms of deposits.

Pros and cons of investing in a bank account

Pros:

• high reliability (low risks);
• high liquidity (the ability to return money at any time);
• the minimum threshold for investment (you can start with 1000 rubles);
• simplicity and clarity of the investment instrument.

Minuses:

• low interest on deposits;
• Loss of interest on early withdrawal.

Method 2. Stock market and mutual funds

Part financial market where people or companies can purchase stocks, bonds, futures and other securities.

If you have free funds and want to get more income than in a bank, but take on relatively large risks, then the stock market will be a good tool for you.

To start investing in securities, you just need to contact a bank or a specialized brokerage company which deals with operations on stock market.

Personally, I recommend two well-known brokerage companies for this: Aton Investment Company and Otkritie Brokerage House. You can safely invest your money in these companies so that they work and not be afraid to lose them.

Many cities have their offices.

By the way, speaking about the stock market, it is worth noting that there are different types of investors according to the duration of investment. There are short-term investors, they are also called speculators. These are people who buy and sell securities within a short period of time: from a few minutes to several weeks.

There are medium-term investors, they buy shares for several weeks or months. There are also long-term investors, they usually act on the “bought and forget” principle - they invest their money in securities for several years, assessing the potential of the company and the industry in which it operates.

The last type of investor is investment guru Warren Buffett. Once he was asked when to sell the purchased shares, and then Buffett replied that never! This is his concept of long-term investment.

You can manage your investments yourself or entrust this business to a professional manager (trader).

There are also special funds where you can invest money - mutual funds.

mutual fund- mutual investment fund. This financial institution, which independently forms its investment portfolio from various financial instruments (stocks, bonds, bank deposits) and sells shares in this portfolio - shares.

Based on the results of a certain period of management, interest is accrued to you according to the size of your share.

But if you definitely receive more at the end of the year than you invested in the bank, then here your profitability may be negative, that is, the fund may work at a loss.

Pros and cons of investing in the stock market and mutual funds

Pros:

• a small initial amount for investment (from 1000 rubles or even less);
• interest at the end of the reporting period is usually higher than in a bank;
• a large selection of investment instruments (stocks, bonds, futures, options);
• opportunity to receive dividends;
• the opportunity to independently compile an investment portfolio, choosing a flexible ratio of risks and expected returns.

Minuses:

• relatively greater complexity of the investment process compared to a bank deposit;
• relatively large risks (you can get a loss);
• in certain cases, special knowledge is required (with independent investment portfolio management).

Method 3. Forex (currency market)

Global world currency exchange market. Here you can exchange (convert) almost all known currencies, that is, buy some monetary units for others, such as dollars for euros.

Speculator traders make money on Forex, most of them make intraday trading operations.

After all, we want to know all the ways where to invest money so that they work and Forex will help us with this. After all, here you can quickly increase capital several times in a couple of months. In a popular article on our website, I have already talked about my experience of trading on the stock exchange and about how.

Indeed, in Forex you can earn a lot. However, this comes with huge risks and you can lose your investment capital in minutes.

Now a large number of companies offer Forex trading services. Such companies are called Forex brokers.

Be careful when choosing a forex broker. Since there are many companies now that do not bring your trades to real currency market and you just play on your computer in the trading program like in a casino (losing your money, of course).

Before you start doing this way of investing, read customer reviews, go to the company's office, make sure it is trustworthy and serious.

Pros and cons of investing in Forex

Pros:

• a small entry threshold (usually from $100);
• the ability to quickly and earn a lot;
• a large selection of investment instruments (currency pairs for trading).

Minuses:

• special technical skills and knowledge are required for investment;
• very high risks.

Method 4. Bitcoin (Cryptocurrencies)

Here you can make very good money, but also lose if you do not follow the market. The most famous cryptocurrency is Bitcoin. Its main advantages: decentralization, anonymity, security, limitedness. This means that Bitcoin is not controlled by any state, and due to the limited issue and the growing demand for cryptocurrency, its price will only grow in the future. You can buy Bitcoin at a favorable rate in - this service is not only an exchanger, but also a crypto-wallet where you can safely store cryptocurrency.

Method 5. Real estate

One of the classic investment tools, when a person with money wonders where to invest his money.

You can buy both residential and commercial invisibility. Naturally, commercial real estate provides more income than residential, however, and requires more knowledge for its competent purchase.

Property other than buildings also includes land, water bodies, ships, aircraft and spacecraft in accordance with the Civil Code of the Russian Federation.

Real estate has a number of great advantages, but this way of investing is also not without its drawbacks.

Pros and cons of investing in real estate

Pros:

• the opportunity to rent out real estate and receive passive income;
• the opportunity to sell real estate and earn on the difference between the purchase and sale prices;
• a reliable way to save money (real estate in most cases protects money from inflation - depreciation);
• due to the fact that real estate is a tangible (tangible) asset, it can be used for your own commercial or non-commercial needs, for example, you can open a business in the premises, you can live in residential real estate.

Minuses:

• high entry threshold (usually from several hundred thousand);
• low liquidity (cannot be quickly sold without a significant loss of market value);
• subject to mechanical damage - damage by tenants, natural disasters, force majeure - gas explosion, fire, and so on (insure your property to avoid losing money if it is damaged or lost).

Method 6. Own business

If you have an entrepreneurial spirit and some commercial experience, then one of the best decisions for you is to invest in your own business.

Simple example:

Resale of Chinese goods with a large margin (300-800%).

You can buy goods in bulk in China or from a wholesale supplier in a major city and start selling them online. Often such a scheme is also called "Business with China" - a very profitable and promising direction in Runet.

The team of our site is personally acquainted with a successful entrepreneur in this field, Evgeny Guryev. Zhenya not only has been running her business for a long time and effectively, but also teaches others about it.

If you want to launch your own startup in the near future and start earning 100-200 or even 500 thousand rubles in a few months - contact Evgeny and he will guide you by the hand on all issues of creating a successful business selling Chinese goods.

Be sure to check out the testimonial of the wife's students to be inspired by their success stories:

Yes, there are also certain risks here, but you can manage them flexibly, because in this case you yourself decide where to direct this or that money in order to get the maximum return from them.

It is especially effective to invest in your own business if it is already running, and your new investments will help the business bring even more profit.

Pros and cons of investing in your business

Pros:

• you manage your money yourself by building and optimizing business processes (being the owner of the business);
• for business projects, it is quite easy to find co-investors, which helps to attract larger amounts than if investments were made alone;
• it is easier to get a loan for a business than for other investment instruments.

Minuses:

• high risk of losing money;
• low liquidity of most assets (you cannot quickly sell equipment, goods, and the like without a significant loss in value);
• loss of a share in a business project (in case of attracting co-investors).

4. Sushi Master franchise business - investing money profitably

Owning a business from scratch is a rather risky undertaking. This requires a solid start-up capital, an original idea and a well-thought-out business technology. But there is an alternative option - to use a ready-made commercial model with a known payback period and guaranteed profitability.

The network of Japanese cuisine restaurants has its representative offices in Russia, China, Ukraine, Lithuania, Hungary, Kazakhstan and other countries. The main share of business falls on the Russian market.

Franchising is one of the leading activities of the Sushi Master company. The promoted product of the company is a predictable business with a proven and effective structure.

The owners pass the finished model to their partners, the latter only have to comply with the established standards in cooking and marketing, as well as maintain an appropriate level of service.

Franchise payback period: 5-18 months depending on the region of location, chosen format and other objective factors.

The algorithm for opening a Sushi Master franchise branch is as follows:

1. Apply on the official website of the company.
2. You pay a lump-sum fee - at the time of this writing, this amount is 400,000 rubles.
3. Take a course at the training center in Krasnodar.
4. You get the right to open a point under the SUSHI MASTER brand, an official contract, production technologies, original recipes.
5. Together with the franchise owners, you choose a place for a restaurant, calculate the payback, and get the support of a start-up team.
6. You open a restaurant.
7. Together with the team, bring the project to a stable profit.

You will calculate the total initial investment together with the team on an individual basis. Cost range: from 1.3 to 4.5 million rubles. The term for opening a restaurant is from 3 months.

The advantage of this model is that it is guaranteed to work. All possible problems and obstacles that may arise at the launch stage have a proven elimination algorithm. You do not work alone, but become a member of a successful business that has already paid off more than 100 times, brought and still brings profit to its owners.

The co-owner of the company, Alex Yanovsky, is the founder of his own School "Business behind Glass", a successful entrepreneur whom I know personally. In his honesty, as well as in the profitability of the franchise, I have not the slightest doubt.

The risks are minimal, and the support of the training center led by Alex Yanovsky is continuous and constant. At your disposal - the experience of successful businessmen, professional equipment, proven marketing technologies.

The market niche that you will occupy is now on the rise: there is an outflow of visitors from expensive restaurants to cheaper ones. Public catering establishments in the street format or the "island" format are in demand and popular - we offer these options to our partners.

5. Where you should not invest money so as not to burn out

You should not invest in obviously losing enterprises - casinos, illegal and morally unacceptable projects.

These include criminal types of business: trafficking in drugs, weapons, contract goods, organizing brothels, shell companies that launder money, as well as fraudulent schemes in real estate (corruption during construction, eviction of lonely old people and re-registration of housing).

To live in peace, engage in honest and socially acceptable ways of earning money, then you will gain not only financial freedom, but also spiritual harmony.

6. Conclusion

In this article, we reviewed the fundamental principles of investing, recommendations from the best investors and experts in the field of business and finance, and also got acquainted with the most popular ways to invest free money.

In the next part of the article “Where to invest money”, I will talk about less common and at first glance not obvious ways to increase your capital.

And if about bank deposits Almost everyone knows the stock market and real estate, but for example, few people know how to create a good passive income for themselves by investing in their own Internet projects.

Dear friends, I hope that now you have figured out where to invest money so that it works and brings you profit. After all, it is you who can become rich and earn millions.

I wish you a successful investment!

Where is it more profitable to invest rubles in a crisis so as not to lose your savings - recommendations from experts + TOP-5 most profitable investment areas today