Constantly and most importantly guaranteed, getting a certain income every month is the dream of any investor. Money works without your participation and any effort and brings even more money. How to achieve this? Answer - you need to know where to invest money. Of course, the amount of profit will directly depend on the amount of invested funds. And let's say, for novice investors, the profit received from their investments will be relatively small. But you need to start somewhere. After all, the very fact of generating very attractive. In order for income to grow, you need 2 things: periodically invest additional money and constant. In law - over time, even the most modest capital can turn into a rather impressive amount, the profit from which will give you a significant financial flow in the form of a monthly income from the placed funds.

Where can you invest money to get a constant monthly income?

We buy with different coupon dates. It is on these dates that you will accrue profit. You can build a portfolio of bonds in such a way that monthly profits will be credited to your account. Usually the duration of the coupon is 91 or 182 days. Every 3 months or half a year, the profit from the purchased bond will go to your account.

Advantages. Higher yield. Clearly predicted and fixed income. High (you can instantly sell bonds without losing accrued profits).

Flaws. Probability of bankruptcy of the issuer that issued the bonds. For blue chips, this probability is small. For OFZ (federal loan bonds) and municipal bonds, it is practically zero. Usually (although very rarely) the so-called third-tier companies (junk bonds) go bankrupt. Avoid buying them and you'll be fine.

4. Dividend shares . Buy, which consistently pay dividends. And not just dividends, but. On average, in the Russian market, this amount is 3-6% of the value of shares. There are companies (but there are few of them) whose dividends are slightly higher and amount to 8-10%. Judging by the latest payments, these are Surgutneftegaz, MTS and M-video.

Of course, the profitability is still small, but if you consider that you are buying a piece of a working (and successful) business, then with the further development of the company, the profit will also grow.

For example. Share price for stock market very volatile. They can "walk" within 20-30% during the year, both up and down. At the beginning of the year, the shares of SurgutNeftegazP cost almost 50 rubles apiece, then the price fell almost 2 times within six months, to 28 rubles. Considering that the yield on average is 10% per share (at a price of 45 rubles) or 4.5 rubles, buying at the “day” at 28 you would secure a future yield of 17% per annum. And if the company's profit continues to grow, then the annual yield will easily exceed 20%.

Advantages. Having bought a "piece of business" in the form of dividend shares, you will be entitled to count on a share of the company's profits. You can find, thereby obtaining even more annual profitability. With the development of the company, profits will increase, which means that dividends will also grow.

Flaws. Uneven distribution of dividends. The lion's share of payments occurs in the second quarter. Some companies pay dividends twice a year. High volatility in the stock market. Purchased shares can significantly fall in price. But if you are aiming (several years), then it will give you the opportunity to purchase additional shares at bargain prices.

Finally

It is possible (and even necessary) to receive passive income every month. There is nothing complicated about this. The listed methods are available to everyone. And don't forget. Divide your funds into several parts, and use them to make a profit in each way. So, of course, the overall profit will decrease, but you will greatly reduce the risks when investing.

In order to sell something you don’t need, you first need to buy something you don’t need, and you don’t have money. Passive income implies a profit from previously invested assets. Here, assets are considered not only cash, but also your various opportunities that will allow you to receive passive income without money. What are these passive income business ideas? Read on.

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

Financial investment is the best passive income

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

Among all the possible ways of investing, we highlight − investing in PAMM accounts. This is a fairly new way of investing with stable high interest profit from invested funds from 20% to 90% and minimal risks with a competent approach. You can read more details in a special article.

But, nevertheless, the author's development can cost money and bring passive income. It's not about creating a musical hit, a movie or something similar. Although, if you know how to do it ... It will be about copyright in a computer program, information business or photography.

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

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

Read also:

Photo. Possessing the talent of photography or not, but having learned, you can sell copyright photographs many times through special exchanges. These can be thematic photos - look at photobanks with wallpapers for your desktop, event - news and so on, and spontaneous - natural events.

A lot of news projects, publishers and other writers are willing to pay for a good photo to accompany their material.

Of course, everyone wants stability. Good job, which brings a regular income - good. However, it is even better if passive income, ideas, which will help minimize labor and reach a stable pay without any action. It is about the opportunity to earn money without performing complex tasks. That is, you need to think once where to invest capital, what business to open, so that in the future the money will work for you. To achieve the task, you need to come up with something special that will be in demand for a long time.

You must understand that in order to organize and promote a source of passive income, you need to invest well in a business, you need to study different niches of entrepreneurial activity and work hard. At the same time, the most important thing is a good idea, a unique solution that will be useful for society. In this article, we will look at several ready-made passive income schemes.

Investments as a passive income tool

Taki passive income ideasas financial investments have been in demand for many years. If you believe the chronicle, then this method of earning appeared almost along with the currency, or rather money. The advantages of this method of passive income include simplicity. There is no need to think about complex schemes and "puzzle" over logical chains. It is enough just to invest in a promising project and wait for your bonuses. However, there is another side to the coin, which is risk. In this case, the amount of your income will depend on the amount of money invested.

Can you understandhow to create passive income from scratchwithout investing only if you create something of your own. If there are no ideas, it is better to pay attention to modern PAMM accounts. This is an innovative method of investing money, which has so far proved its reliability. However, this lesson requires a competent approach and attentiveness.

Renting out real estate

Creating Passive Incomeit is easier for people who have inherited something or managed to save up money for property. Having your own real estate, you do not need to think about investments and alternative solutions for the circulation of money. Here you can get by with simple logic - resources must be used expediently. That is, it is enough just to rent out real estate and receive money for it. There are practically no risks, everything is legal and quite profitable.

At the same time, a certain sequence and regularity should be taken into account. The value of the item does not always match the purpose. In some cases, it is impractical to rent an elegant spacious house with exquisite furniture, because there are no customers for it. At that time, people were ready to pay significant money for a “odnushka” in the city center, even with a “killed repair”. Therefore, there is a dependence on the target audience. On the other hand, the crisis may leave the borrower without profit, because not everyone can afford such an expensive pleasure. Selling property at a low price. But this is fraught with loss of money. Over time, you still have to make repairs, and no one cancels the payment for utilities in an unstable state of the economy.

The disadvantages of such income include high costs. To buy real estate, you need to invest well. At the same time, the rental price directly depends on the quality of finishing and interior design. If you have no property, then there is nothing to rent. Buying an apartment or house specifically for renting is not always rational. However, suchpassive income ideasexpedient if there are savings and the value of the property falls. You will be able to equip the property over time and recoup the costs in the future. In addition, extra square meters never hurt. As for recommendations, it is better to rent by the day. Thus, you can earn one and a half, or even two times more than when renting for a month.

In conclusion, I would like to say that today the rent of any real estate, not only residential, is in demand. Therefore, if you have a plot of land in a good location with developed infrastructure, income is guaranteed.

Working with copyright

One-time author's work should be distinguished from passive income. If you write essays, diplomas, scientific articles - this is a one-time income, if you fill your own resource - permanent. Deserves special attentionpassive income new business ideas,where you can include the development of software and photographs.

Software development. Today, the profession of a programmer is considered a prestigious job. This is a great opportunity to make a good fortune and reach a high passive income. To implement the idea, you need to create something of your own: a unique algorithm, program or code. The more extensive the development tasks, the more downloads, the more traffic, the more money!

Passive income business ideaswhich are associated with programming, it is better to create on the basis of well-known operating systems. For example, IOS, WINDOWS or ANDROID. If you can develop an interesting game or program for these development giants modern technologies, you are guaranteed high earnings. Firstly, you can get money for visiting users, secondly, for advertising, and thirdly, you can sell a good program or game.

Photographs. For many centuries, the works of talented artists, writers and musicians have been in demand. At the same time, over the past decades, gifted photographers have not been left without work. This is a kind of art, providing for the presence of certain knowledge and skills. But, if you feel the potential for the development of creativity, you know how to see the beautiful and know how to show yourself from the best side, you will surely be able to help others. Today, the sale of copyright photographs is a very profitable business that allows you to reach passive income.

Use of social networks

If you are interested in goodpassive income, ideas with investmentsinsignificant nature, it is worth reconsidering your attitude to entertainment. Many people do not profit from wasting time in in social networks only because they don’t know where to start and consider business difficult. In fact, the active part of such commercial activities takes little time. The main thing is to create the right strategy for using media resources. You can then quickly start making passive income by posting interesting files and information.

In particular, it will be necessary to create publics in the profiles of such social projects as VKontakte, Twitter, Facebook, etc. By promoting groups in the future, you will be able to sell advertising space and make a good profit.

Online projects

Recentlypassive income business ideasclosely related to networking. If you know what modern society is interested in, you have your own views and extraordinary thinking. If you read a lot, have a competent speech and know how to present information beautifully, then you should think about developing some kind of resource. Any good ideas and the right strategy will surely lead to visitors and traffic. Therefore, you will be able to earn money for clicks, make money from advertising and get good money through passive income.

The advantages of commercial activity through your blog or website include minimal risks and costs. You do not need to buy anything other than hosting and a domain if you know how to write and place information beautifully. However, even without skills and knowledge, you can invest in several tens of thousands of rubles. Then the income will grow along with the number of users.

Deposits

Small Town Passive Income Ideasinvolves investing money in banks. This is one of the oldest methods of increasing income. Living on interest is really convenient if you have start-up capital. Many people refuse deposits, focusing on otherspassive income ideas without investment,because they believe that interest brings income only from large deposits. In fact, you need to take into account that interest accrues from interest. Now imagine how much money you can earn 10 years later, if you put at least 50,000 rubles.

Advertising development

For centuries, this business brings good profits. Newpassive income ideasallow you to earn good money without leaving your home. Of course, we are talking about the development in network marketing. Every day there are new online stores that try to sell their products through the World Wide Web. Naturally, such projects require advertising. And then, you appear with offers to place posts on your sites, pages, etc. In addition, individual entrepreneurs, various lawyers, doctors and photographers create companies every day. They all need your help too.

If you are interestedpassive income ideas from scratchDefinitely worth working in the marketing field. As for advertising, it can be not only online, but also in real life. But it is much easier to shoot videos and write texts than to go from house to house and talk about a product or service. In any case, in the 21st century, advertising on the Internet is more useful. According to statistics, such advertising is even more profitable than TV advertising. Even expensive posters and shop windows cannot be compared with such measures.

Best Passive Income Ideas

Best Passive Income Ideas – it is, of course, something of its own. You can use the proposed solutions, pay attention to proven schemes, but it is much more pleasant to make a profit knowing that you are useful to someone, your work is useful to society, and you do not exploit other people's thoughts.

If you have any individual skills, strive for knowledge, appreciate the work of others, you will definitely be able to reach passive income. The main thing is to think about how best to realize your potential.

Conclusion: there are different options for passive income ideaswith and without investments have their pros and cons. Decide which solution is right for you, based on the amount, available start, individual abilities. However, the most important thing is desire. You need to love your job and money. Remember that they love counting and coins need to be circulated. This is the only way to get passive income! We also recommend that you read the material - "" and "".

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Hello dear readers! With you again and today we will analyze the main topic for everyone who has firmly decided to break out of the trap of financial dependence on the employer and finally start creating their own small factory for the production of money. So, the topic of this article is passive income. By the way, if you are still puzzling over how to get an active income for a start, then I recommend reading the article:.
You've probably heard this Rothschild quote:

Who owns the information, owns the world!

With regard to our topic, it can be paraphrased:

Whoever owns the information on how to make passive income owns the money!

And here is a somewhat paradoxical situation. There is more than enough information about this on the net, but what quality is it?
I was surprised to find out for myself that the simplest passive income without investments is social benefits and, in particular, a pension. Imagine, we are puzzled here with you how to create a source of constant profit, but it turns out that everything is so easy - just getting old is enough! But this is not the only misconception that can form in the head of an unprepared reader.

Therefore, in my material, I will not only list the most common ways to generate income, but also give real numbers and facts about whether it is possible to earn on them and how much. Along the way, you will have to expose a couple of myths about the most popular methods: you will find out why bank deposits and real estate not only do not earn, but also lose money. Surprised? Further it will be more interesting.

So, let's move on to the practical part of our opus. The first, most popular and simple passive income is opening a bank deposit.
There are more than 650 credit institutions operating in Russia, and almost all of them attract deposits from the population. In general, the range of deposits they have is approximately the same. You can open deposits in rubles, euros, dollars, pounds sterling, less often in Swiss francs and even yuan. There are deposits with the possibility of replenishment and with a monthly transfer of interest to a separate current account. That is, in principle, you can put money in the bank and live on interest, although I do not advise you to do this and I will explain why further.
The average rates of large banks are 7-8% per annum. Players with a lower rank have a slightly higher profitability - 9-10%. But the real rate always depends on the size of the deposit and the term. That is, the larger the amount and the longer the term, the higher the rate.
Profitability, frankly speaking, is modest. At least in my opinion. I think so: why give money to the bank at 8% per year, if you can learn how to work with binary options and reach a yield of 80-100% per month. In general terms, I described this way of earning in the article:. Here is an example of a successful transaction:

Benefits of a bank deposit!

Even a child can receive such passive income in Russia. Of course, a child will not be able to open a deposit personally, but the procedure itself is extremely simple and does not require any special knowledge, therefore deposits are suitable for everyone. This explains their popularity among the general population.
Nothing to do. You just come to the bank once, conclude an agreement, give the money to the cashier, and after a couple of years you take it back along with interest.
Reliability. Firstly, your passive income is guaranteed, and you will receive a strictly defined profit specified in the contract. Secondly, it is believed that it is almost impossible to lose money on a deposit, that is, the risks are very low. This is both true and somewhat misleading. Next, I will explain what problems the saver may face in the coming years.

How much can you earn?

The answer is not at all. Surprised? Yes, almost all the materials that analyze examples of passive income tell you how easy it is to receive an income of 100,000 rubles a year through bank deposits with 1,000,000 rubles. But this is a superficial view of the situation.
To understand why the deposit is not able to bring significant income, you need to understand a few terms:
Money. It is a measure of the value of goods and a means of payment.
The purchasing power of money is the amount of goods and services that you can purchase with a given amount of money.
Inflation. This term refers to the general increase in the prices of goods and services.
Devaluation. This is the name of the depreciation of the currency, in our case, the ruble.
By themselves, money, that is, banknotes, is of no value to you and me. They matter only insofar as we can buy something with them. Correctly?
Now look. In 2015, according to Rosstat, the official inflation rate was 12.9%. Since those other storytellers work in Rosstat, we make an adjustment for reality and get the actual grassroots inflation at a minimum of 20-25%. At this rate, the purchasing power of your money is declining. That is, a year ago you could buy 100% of some goods and services for the amount you have, and today you can buy 20% less.

Mindfulness test: what is the average deposit rate? By the way, I mentioned it above. In the largest banks of the country, it is only 7-8% per annum. So, if you opened a deposit at the beginning of 2015 in the amount of 1,000,000 rubles, by the end of the year you would have been paid 1,080,000 rubles. And the purchasing power of money over the same period decreased only according to official data by 12.9%. Thus, the purchasing power of your million fell by 129,000 rubles, and the bank's interest amounted to only 80,000 rubles. Net loss - 49,000 rubles.
Yes, nominally the amount has increased by 80,000 rubles, but at the end of 2015 you can buy as many goods and services with this money as you would have bought at the beginning of the same year for 951,000 rubles. So what's the use of the fact that there are more banknotes (cut paper with watermarks) if you can buy less on them?
Of course, such calculations are somewhat arbitrary, but I do not strive for mathematical and economic accuracy. I just want to show you that if the annual deposit rate does not cover inflation, such a deposit does not bring real income at all. Moreover, you actually lose money. Plus, if you open a deposit immediately for five years and withdraw interest every month, the purchasing power of the initial amount will be significantly reduced, and the monthly passive income will turn from modest to miserable relative to real prices for goods.
Another problem is devaluation. Depreciation in our case of the ruble against the dual-currency basket, that is, against the US dollar and the euro. For the period 2014 - early 2015. The ruble depreciated against the dollar by about half. This means that if before with your million you could buy 100% imported goods, now their number has decreased by about 50% in just two years. And the deposit rate is still 8% per annum.
If the figures given by me seem implausible to someone, look at the dynamics of prices for imported electronics. For more than two years since 2014, everything has risen in price just about twice, and in some places even more.

Why and how to open deposits so as not to lose money?

Despite all of the above, deposits can still be used. Firstly, this instrument is suitable for temporary placement of free money. For example, you are saving money to start a business. If you save money under the pillow, they will depreciate faster than on a deposit, since the deposit rate at least partially compensates for inflation. Secondly, you need to have some money on hand in case of unexpected expenses. For example, they will offer you to buy a small stake in a new promising company, and all your money has already been invested in other assets. What to do? This is where your deposit comes in handy. In addition, foreign currency deposits, unlike ruble deposits, are still able to bring passive income.
And now practical advice on the choice of conditions for placing funds in the bank.

Tip number 1. Only systemically important banks. These are the largest credit institutions in the country. Their deposit rates are lower than those of small banks, but the Central Bank will definitely not take away their license. In addition, if such an institution begins to "fall", it will certainly be supported at the expense of some National Wealth Fund or other state moneybox. I will not disclose the specific names of banks - I am not engaged in advertising. But you yourself can see the ratings of credit organizations.

Tip number 2. Choice of deposit currency. The ruble is extremely unstable and will steadily roll down in the coming years. Like it or not, this is a fact. What is the conclusion? It is necessary to open a deposit in dollars or euros. Indeed, this sharply increases the profitability of the deposit in ruble terms, allows you to completely cover inflation and even get a small profit at the level of about 3-3.5% per annum.
But this is not ideal either. Why? There is a risk that the authorities will decide to forcibly convert all foreign currency deposits into ruble deposits at a fixed rate. You understand that this course will not be in your favor. There is only one way out - a multi-currency deposit. According to the terms of opening such a deposit, if you smell fried, you can convert the currency in one click directly in the Internet bank. Pay attention to the size of the conversion fee.

Tip number 3. Option of early closing of the deposit. All deposits are term deposits. The longer the term, the higher the yield. Therefore, it is much more profitable to open a deposit for 5 years than for 6 months. But there is also a downside here. If you urgently need money, if you withdraw early, all accrued interest will burn out. Therefore, you need to choose a deposit with preferential early closure. Some deposits provide for fixing income after a certain period. For example, once a year, the accumulated interest is fixed and if the deposit is closed ahead of schedule, they will not burn out.
Another reason why it is better to choose deposits with this option is the possibility of privatizing part of Money. Something similar happened in 2013 in Cyprus. There, depositors were forcibly made shareholders of banks and seized from them 6.75% - 9.9% of the amount of deposits. So the Russian depositors of Laiki Bank lost about $10 billion. The possibility of applying such measures is already being discussed in Russia. So, if there is a risk of the collapse of the Russian banking system, you need to urgently withdraw money before you become a forced shareholder of a bankrupt bank. This is where the option of preferential early closing of the deposit comes in handy.

Tip #4 Proof of source of income. In connection with the intensified fight against money laundering, banks will have the opportunity not to give depositors their money if they cannot explain the origin of the funds and prove documented that they have paid everything from this amount due taxes. So, prepare documents in advance.

Method number 2. Apartments. Gold. Diamonds. How to create passive income on valuable property?

The next most popular passive income with investments after a bank deposit is real estate. But in fact, any property that tends to rise in price over time can act as an asset. This may include:
Antiques.
Art objects.
Precious metals and stones.
Collectibles from coins and stamps to vinyl records and comics.
Of course, in order to create a portfolio of antiques or paintings, you need to deeply understand this. Personally, I can not boast of such knowledge. But if there are connoisseurs or at least amateurs among my readers, then you can try. Main principle simple: invest in something that you think will rise in price in a few years. Moreover, the profitability can be simply fantastic. So, in 2014, a certain Darren Adams sold the first issue of Action Comics on eBay for $3.2 million. And, by the way, it originally cost 99 cents, however, it was already in 1938.
I will not stir up topics unfamiliar to me, so as not to mislead you, and I will tell you about those types of property suitable for building passive income, which I know firsthand.

How much can you earn in real estate?

If we talk about Russian real estate, then the answer is the same as with bank deposits- not at all. Extracting passive income in Russia from Moscow and St. Petersburg real estate made sense a few years ago. But now the situation is fundamentally different. In order not to be unfounded, I will explain in detail what real estate buyers and landlords usually earn on.

On housing transactions, you can receive residual income three times:
At the construction stage, an apartment costs 15-30% cheaper than by the time the house was put into operation. That is, for 1-2 years, while the construction is going on, you can increase your investments by a third without doing anything. The only catch is long-term construction. Therefore, you need to choose only objects of large developers and developers who have access to borrowed capital.
rental income. Actually, this is the rental of housing. Excluding expenses, the average annual return is approximately 4-6%. Note that this is even less than interest rates by deposits.
Object appreciation. If in the case of deposits, inflation "ate" our money, then here it plays into our hands - real estate becomes more expensive along with all other goods by about 10-12% per year. But even in this case, not everything is so simple, as I will discuss later.

So how much can you earn? If you successfully buy an apartment in a house under construction at the stage of excavation, in 1.5-2 years you will receive an increase of 7-15% per annum. A little, but not bad. Further, every year the object, subject to the growth of the real estate market as a whole, will increase in value up to 12% per year. Passive income from renting out an apartment is about 5% per year. Thus, in 5 years, ideally, you can recapture an average of 70% of the money invested. That is, the total yield is obtained at the level of about 14% per annum.
This is barely enough to cover inflation. But in fact, you will not receive such income. Why?

There are several reasons:
New buildings no longer bring such high profitability for the period of building a house, and the risks of running into a long-term construction are constantly growing.
When renting out a home, there are a lot of side costs, including the costs of finding tenants, buying and periodically updating furniture, major and cosmetic repairs, taxes, and finally. Also, don't forget to account for periods of downtime when there is no tenant yet and utility bills keep dripping. As a result, the real rental yield barely reaches 3% per year.
Real estate markets around the world tend to so-called bubbles. While these same bubbles were forming, Moscow new buildings were steadily adding in price by 10-12% per year. But in 2015, the holiday ended - the balloon began to deflate, and at a rate of 14.5% per year in rubles and as much as 33.6% in dollars.

Thus, in 2015, the owners of Russian real estate received a negative return. Rental income is penny, and the assets themselves have fallen in price by a third in dollar terms. As you can see, real estate is even less profitable than opening a bank deposit.
Does all this mean that you can’t make money on real estate at all? Not really. You can create a good passive income business for housing in the EU, USA, Canada, as well as in popular resort regions.
In Europe, the average profit of a rentier is 3-5% per year from one object. The figures seem to be the same as in the case of Russian apartments, but in euros. This means that the profitability of European real estate will completely cover not only the official, but also the real ruble inflation and even bring quite a tangible income. In addition, investing in housing allows you to protect your investments from the consequences of the devaluation of the ruble.

How to make passive income in real estate correctly?

If you do decide to invest in a home someday, here are a few tips:
in the coming years, buy housing only abroad;

Why do I advise using gold as a source of passive income?

Gold does not have a fixed price or any fixed rate of return. Therefore, in some periods, one can observe a decline in prices for the yellow metal. However, if we take the long-term dynamics, then gold has been steadily growing in price since 1938, when its rate was sent to free float.
Now about the size of the yield. In the period from 04/01/2015 to 04/01/2016, that is, exactly in a year, gold at the rate of the Central Bank of the Russian Federation increased from 2,185 rubles to 2,691 rubles per 1 gram. The annual yield was 23%. As you can see, this figure completely covers the official inflation and gives a good profit. Of course, in dollars or euros, the numbers are not so impressive, but you can also get a decent passive income there.


If we consider the long-term perspective, then for 7 years from 04/01/2009 to 04/01/2016 a gram of gold at the rate of the same Central Bank of the Russian Federation has risen in price from 1,001 rubles to 2,691 rubles. The cumulative price increase for the entire period is 169%! Thus, the average annual passive income is 24%. And note that this is taking into account local declines in the gold rate.
In my opinion, this is one of the best tools for conservative investments. Buying gold, as well as opening a bank deposit, does not require special knowledge, moreover, these instruments are incomparable in terms of profitability, and the risks of investing in precious metal, it seems to me, are much lower than those of Russian bank deposits.
The only problem with gold is that it is desirable to invest in it for a long time. That is, they bought an ingot or coins and forgot them in a safe or a bank cell for 5-10 years. In fact, it is a strategic investment. If you want to establish passive income right now and monthly, then precious metals are not suitable for this. Then it's better to try binary options: . Moreover, this tool allows you to earn on gold, including only through short-term speculative transactions.
Either way, gold is definitely worth using to diversify your asset portfolio. This will significantly reduce the risks for assets with higher returns, but, accordingly, with increased risks.
Let's move on to the practical side of the question: how to get passive income with investments in gold? There are two options: buy coins or bars or open an unallocated metal account.
In the first case, directly upon the purchase of coins or ingots, the price will include VAT at a rate of 18%. That is, at first it can be considered a net loss. However, as I noted above, gold is suitable mainly for long-term investments. So, if we distribute these 18% over 10 years, we get 1.8% per year. With an average yield of 24% per annum, these are quite acceptable losses. Plus, when selling, if you follow all the rules, you will have to pay personal income tax - 13%. This is another 1.3% per year. Total total passive income after taxes when investing in gold for 10 years will be 209%. I think it's not bad even with an annual inflation of 13%, you end up with a 79% gain.
Now let's say a word about an impersonal metal account. You can open it in most banks. The account will take into account your gold in grams. In theory, you can pick it up in kind at any time or sell it to a bank and immediately get cash. True, in reality, banks are not very willing to issue gold to the client and often delay the execution of this legal requirement of the account holder. Again, there is the issue of trust. banking system in general and a particular credit institution in particular. By the way, the deposit insurance program does not cover CHI.
And one could say that buying gold in kind is definitely better. Agree, it's nice to hold your own gold bar in your hands. However, there are three "buts" at once. Firstly, when opening a CHI, you do not have to pay VAT. Secondly, you can open a fixed-term account, which involves the accrual of interest. That is, passive income will turn out to be a little more, although the interest rates on CHI are more than modest - an average of 1% per year. A trifle, but still nice. Thirdly, there is the issue of security. Bars or coins must be stored somewhere. Can be rented safe deposit box, but these are additional costs and again a meeting with the bank. So it remains to bury your treasure on some island.
By the way, strategic investments in gold also have an alternative - speculation on fluctuations in the precious metal's rates. This opportunity is provided by Forex brokers, but there is one catch: to trade gold, you need a fairly large capital, and errors in forecasting changes in quotes can lead to a drain on the deposit in a matter of minutes. Therefore, I would advise you to choose binary options. They also allow you to work with gold, but the size of the entry ticket and the risks are much lower there, although the potential passive income remains at the same level. You can find out what binary options are from this article:.

Method number 3. Creating an intellectual product!

Alas, it is almost impossible to create a residual income without at least a minimum investment. Actually, there is only one way: to create something of value. The choice seems to be limited, but in fact it is extremely wide. You can make money from writing, inventions, photography, blogging. Especially successful developers of mobile applications earn good money these days.
Of course, there is no single recipe for monetization for all of these undertakings, but in many cases you can find at least an approximate strategy for creating and promoting a product in demand. The web is literally teeming with advice on how to earn passive income online by blogging or building a data site, or how to make a fortune as an iOS app developer. I confess that I am far from a specialist in these matters, and the format of the material does not allow us to consider in detail all the many quite sensible recommendations for creative people who want to create a source of passive income.
Here I will give some examples of how real people, people like you and me create billions of dollars of capital from scratch and how much they manage to earn:
YouTube blog author Felix Kjellberg's videos are regularly watched by 40 million subscribers. The channel has an annual revenue of $12 million.
Ethan Nicholas, a developer from North Carolina, USA, earned $ 800,000 on a simple iShoot game.
Canadian Danielle Fong has come up with a new way of accumulating and storing energy received from wind turbines and solar panels. Over $30 million has already been invested in her startup by Peter Thiel and Bill Gates.
German photographer Andreas Gursky managed to earn $ 4.3 million from the sale of one of his photographs. Of course, his income is not limited to this.
The fortune of one of the most successful artists of our time, Damien Hirst, is about $1 billion.
Probably, the well-known writer JK Rowling earned $ 1.5 billion on her wizard Harry. This is the total income from the sale of all copies of the book series and the adaptation of bestsellers.
Unfortunately, such methods of passive income do not imply any guarantees of commercial success. So doing photography, painting or writing makes sense mainly for the soul, and turning the results of creativity into millions and even billions of dollars is mostly a matter of chance.
As for the practical side of the issue, do not forget about such trifles as copyright registration. In particular, to obtain a patent for an invention or utility model, you need to apply to the Federal Institute of Industrial Property. And if you've written a book and want to be on the safe side before offering it to publishers, print it dated and mail it to yourself.

Method number 4. How to become Warren Buffett: passive income on securities!

Where can I get money to start my own business? This is the problem faced by 95% of new entrepreneurs! In the article, we have revealed the most relevant ways of obtaining start-up capital for an entrepreneur. We also recommend that you carefully study the results of our experiment in exchange earnings:

Warren Buffett is the most successful investor in the world. The fortune of this Oracle from Omaha in 2008 was $ 68 billion. Only a genius can repeat such a success, but history knows thousands of other examples when multi-million dollar fortunes were created on securities. Can you use this method? To answer this question, let's first get a general idea of ​​the main types of securities.
Stock. Companies use this type of securities to attract investment capital. In this case, each shareholder becomes, in fact, a co-owner of the enterprise, although the share of the majority of shareholders, of course, is negligible. Stocks generate income in two ways. First, there are dividends. At the end of each reporting period (usually a year), the company summarizes its financial activities and decides on the distribution of profits. The latter goes to shareholders in accordance with the size of their package.
Secondly, you can receive passive income from the rise in the price of shares for the period that has passed from the moment the securities were bought to the moment they were sold. Of course, there is a risk here, and a rather high one, that stock quotes will fall, that is, instead of profit, you will receive losses.
Shares are of two types: ordinary and preferred. The former give votes at the shareholders' meeting, the latter provide their owners with a higher income, since they involve the payment of either a fixed amount or a strictly defined percentage of the profit.
Bonds. These securities are debt obligations. In fact, the issuer (the person issuing securities) borrows money from you for a certain period, after which he undertakes to buy back his bonds from you, usually with a certain fixed income. Bonds can also be perpetual and with periodic coupon (income) payments during the entire period of the debt obligation.
The advantage of this type of securities is that you are guaranteed to receive a certain yield. The risk is limited only by the solvency of the issuer. That is, if the state or the company does not decide to declare itself bankrupt, the money paid will definitely return to you, and at the same time the income established by the issuer. It should be noted that the yield of bonds depends on the degree of risk, but usually it is small.
Now let's discuss derivatives - derivative financial instruments. These are securities for securities or for goods. Unclear? Now let's look at everything in more detail, and you will understand.
Futures. These are contracts for the purchase or sale of certain assets. They indicate the quantity of goods, currency, shares or bonds, delivery time and price. Upon the due date of the contract, either the actual delivery of the asset or cash settlements are carried out. That is, you do not have to pick up the goods themselves, you can receive monetary compensation.
The essence of operations with futures is to buy a contract with a lower strike price, and sell it when the market price of the underlying asset, and with it the contract itself, rises significantly. For example, you bought a futures contract for Brent oil with an exercise price of $28 per barrel, and a couple of months later it rose to $35. We sell the contract, fix the profit. By the way, oil futures are one of the most popular instruments for investors.
The advantage of futures is that the value of the contracts is much lower than the value of the underlying assets. This allows you to get by with a smaller amount of initial investment and get more passive income than, say, from direct capital investment in shares. Meanwhile, losses in the event of a change in prices for the underlying asset not in your favor will be higher.
CFD. This is another contract, but this time not for the supply of the underlying asset, but for changing its price. One side is betting on an increase in quotes, the other - on a decrease. Upon the expiration of the contract, one party pays the other the difference between the current value of the underlying asset and its price at the time the contract was concluded.
For example, when concluding a CFD, the value of the underlying asset (shares, commodities, bonds, etc.) was $100. You have placed a raise bet. Now, if the value of the underlying asset is $110 by the time the contract expires, the other party will have to pay you $10.
The list of existing securities, of course, is much wider, but I have listed the most popular types of assets, and this is quite enough for everyone who is interested in how to receive passive income from investments in securities.

How much will you earn on securities?

Let's start with bonds. Profitability, frankly speaking, is modest. For example, Gazprom's medium-term ruble bonds currently in circulation have an annual yield of only 7.55%. For some bonds of VTB 24 with a face value of 1000 rubles, the income is 9% per annum with payments 4 times a year. A little better, but the problem is the same as with bank deposits - your passive income will not even cover inflation.
Now for the shares. For example, I will take one of the most profitable stocks in the world at the moment - Apple securities. The cost of one share of the company in April 2016 reached $108. Dividends for 2015 were 47 cents per share. You understand, not much, at least if you do not have several million dollars to invest.
In fact, dividends are not large. The main profit comes from the growth of quotations.

So, 6 years ago, that is, at the beginning of 2010, the cost of an "apple" share was only about $28. Thus, during this period, the company's shareholders received a passive income of 285%, not counting dividends. The average annual yield was over 47%. Not weak, right?!
But I emphasize again, Apple stock is one of the best examples on the market. Unfortunately, the majority of corporate securities cannot boast of such indicators. In addition, there is always a high risk of a significant drop in quotes, and it is far from always possible to predict it accurately enough.
Profitability on futures and CFDs depends directly on you and your skills in predicting changes in underlying asset prices. So it's pointless to give specific numbers here. I can only say that successful derivatives traders earn very, very impressive capital.

How to buy stocks and bonds?

Some securities can be bought directly from the issuer. In other cases, you will have to turn to the services of professional market participants - brokers.
All companies set their minimum initial investment. Most brokers won't lift a finger if you show up with less than $50,000, but you can find companies with entry fees as low as $200. True, with such a modest amount you can’t really clear up, and you can’t count on big profits from a long-term investment of a couple of hundred dollars in securities.
Although you can start with this, but I would recommend doing binary options with a small capital. This tool allows you to work with both stocks and bonds, but investments are required many times less than if you bought securities, and the yield is many times higher. In order not to be unfounded, I publish on my transactions.
When choosing a broker, it is very important to check its reliability, the quality of technical support, and most importantly, to inquire about the amount of commissions for transactions, deposits and withdrawals.

Just the truth: can you make money on securities?

For a private investor, the easiest way to invest in securities is to buy and forget for a few years while the income accumulates. This is a strategic investment. The problem is that for a long-term investment in science, you need to look for a "safe haven", and now there is no such place anywhere in the world. So, in the early days of 2016, we could observe the largest collapse of the Dow Jones index since the Great Depression. And, by the way, this index takes into account the stock prices of the 30 largest US companies, such as Coca-Cola, Boeing, General Electric, Intel Corp., Nike, etc. So investors received a gift for New Year multi-billion dollar loss.
One might, of course, think that the range of securities is not limited to American companies. But the situation is no better in other countries. In particular, on the same days when the Dow Jones suddenly fell ill, its Chinese friend, the Shanghai Composite index, collapsed even more.
So, there are virtually no “safe havens” for capital in the stock market today. True, you can try to define money in the shares of companies " new economy". These include payment systems, search engines, social networks, software developers, device manufacturers.
If you absolutely do not understand anything in all this and are not too eager to constantly follow economic and political news, it is easier to transfer money to trust management. Brokers and management companies offer different investment strategies, diversify the package and adjust it depending on the market situation. Of course, you will have to pay a commission for all this happiness, but it is easier than delving into all the wilds of the strategic analysis of the stock market yourself.

Mutual investment funds.

This is an alternative to direct trust management of your money in a personal account. This is about collective investment. The fund sells its shares, due to which the total investment capital is formed. This money is invested in assets: stocks, bonds, real estate, etc. The natural goal of the fund is to extract as much profit as possible from these investments. Income is divided between shareholders in accordance with the number of shares.
The main advantage of mutual funds is the ability to invest in expensive assets with a small amount. For example, you have 30,000 rubles. With this money you can buy only 4 shares of Apple. It seems to be not bad, but the risks are extremely high - remember, we talked about diversification. You can go the other way: buy 3 shares worth 10,000 rubles each, choosing a mutual fund with a strategy of investing in companies of the "new economy". There will be our beloved Apple, and Facebook, and Microsoft, and much more. Of course, the presence of less profitable securities in the portfolio will reduce the overall profit. But, at the same time, the risks will also be reduced, and many times over, and we must always strive for a reasonable balance of risks and profitability.

Method: 5. Passive income from your own business!

I think it makes no sense to talk about how much a successful entrepreneur can earn, given that the brightest examples are on everyone's lips: Jobs, Gates, Branson, or personally my idol Elon Musk. The only question is how to turn a business from active income, when you disappear into the office day and night or ride around cities and towns, visiting representative offices of your company, into a passive income business.
In general, there is no big science here. First, you need to clearly articulate the mission, core values ​​and strategy of the company. Secondly, it is necessary to adopt a process approach to the internal organization of the enterprise. That is, all the work of the company should be divided into separate simple processes and written in the form of job descriptions for each employee. Such a system involves the creation of control points, the verification of which is sufficient to track the activities of the company and its results. In this way, you will get the opportunity to manage the company with minimal time costs. She will work like clockwork. All you have to do is correct course.
When the company is already built and brought to cruising speed, there is no need to manage it yourself. You can hire a CEO (Chief Executive Officer) and dump the burden of leadership on him.
Of course, such methods of passive income involve one pressing problem - the question of finding initial capital is acute. I wrote my thoughts on this topic in this article:

How to create a business empire through franchising?

Imagine you have created a company. Successful. Effective. profitable. But want more. To give up the dream of putting the business in passive mode, and at the same time from your dolce vita to profit from a stand-alone company? Roll up your sleeves again and take on the development of the enterprise, expanding its presence in other regions? To do this, you will have to disappear on business trips for months, build up administrative resources, and, by the way, costs will grow along with it. In addition, there will be a problem of attracting money to expand the business. You can use my modest recommendations:. However, for the full-scale development of the company to do without borrowed money is unlikely to succeed.
This path has a much more profitable and simple alternative - franchising. Its essence lies in the fact that you sell your finished business model along with the right to use all technologies, brand, documentation templates to other entrepreneurs. They, in turn, open representative offices of your company in the regions at their own expense.
This solves three problems at once. Firstly, franchise buyers invest in the expansion of the company. Secondly, they also ensure the management of the enterprise's divisions, without the need for strict centralization and constant control from the center. Thirdly, unlike hired managers, the franchisee treats a division of the company as if it were their own business. He is personally interested in achieving maximum efficiency and profitability of the enterprise. As a result, there is no need to inflate the management staff to control the work of regional divisions and puzzle over the methods of stimulating managers.
What do you get? First, the franchise buyer pays a lump-sum fee right away. Secondly, you will receive royalties from the profits of all affiliates - this will be your passive income. The parent company requires precise step-by-step instructions for opening a company, technology for creating a product and sales, a marketing strategy, in a word, everything that you had to do in the process of creating your enterprise anyway. Additionally, you only need to organize a small department that will promote the franchise, interact with potential buyers, as well as advise them and help them solve problems.
How to create a passive income business through franchising is pretty clear. The question remains - how much will you earn. It is hardly possible to estimate the potential profitability of the network. It all depends on the quality of the business model and development strategy. But as a sample, I will list several well-known brands, the development of which is carried out precisely according to this technology: KFC, Subway, Traveler's, 2GIS, Yves Rocher, Well, Expedition, Sbarro.
Now a more specific example in numbers. The lump-sum fee for purchasing a Subway franchise is 600,000 rubles. Monthly payment in favor of the franchisor (royalty) - 8% of revenue plus 1.5% of turnover as an advertising fee. The turnover of one point varies between 5-9.5 million rubles, and the total in the network in Russia is 673. Thus, the total income from the entire network is more than 390 million rubles, excluding advertising fees.

mlm. Can you create passive income with network marketing?

About 20% of American millionaires made their fortune in network marketing. Here is the answer to the question about the possibility of making money on MLM. I think that today it has become even easier to use this model of building a business than 10-15 years ago. This is due to the relative simplicity and availability of tools that allow you to quickly develop a network of partners via the Internet.
Network marketing, in fact, is one of the options for a business development strategy. The same franchise, only simpler and much more affordable for partners. This option is suitable for products whose sale does not require a retail outlet or office.
Yes, for many, such examples of passive income cause some irony. But this is rather due to the somewhat intrusive and even sometimes clumsy nature of the work of distributors. In fact, the model is quite working. You get a product without significant investments, which you can trade without organizing a point of sale, recruiting and other difficulties. You just make each of your regular customers a partner, he continues to buy products himself and sell them to his friends, and you get income for this without the slightest gesture.
MLM has enough advantages:
Minimum initial investment. In most cases, you can get by with $200-300. That is, your risks are limited only to this amount.
No paperwork, and, therefore, no need to spend money on the services of a lawyer, accountant, etc.
No need to master the intricacies of the art of personnel management. In fact, you have a lot of people from whose purchases and sales you receive income. At the same time, they all act independently without additional motivation, as is the case with a franchise.
No hassle with tax service, numerous inspections by regulatory authorities, economic disputes with contractors, etc.
It is possible to create a branched multi-level structure literally in 2-4 years, and then, at least for several years, it will bring impressive passive income without much effort.
Of course, a lot depends on the choice of brand. For example, I see no reason to join such painfully familiar structures as Avon, Amway or Herbalife. I think it's better to bet on a brand promoted abroad, but new to the Russian market. So you will be more likely to create a large pyramid of partners.

Method number 6. Don't know how to create your own business? Earn on someone else's!

We have considered almost all examples of passive income that I wanted to analyze in this material. The last thing left is investing in someone else's business. It would probably be more correct to call this investment in venture, that is, high-risk enterprises, since we have already touched on investing in shares and bonds of developed stable companies above.
The point here is to find a promising startup, help it with money in exchange for shares and either regularly receive some share of the company's profits, or wait until its securities grow many times in price and sell them. There are many examples of successful capital investment in venture capital companies. Of course, the most famous are large investors. For example, Jim Goetz turned $60 million into $3 billion by investing in WatsApp. Douglas Lyon made a fortune of $ 2.2 billion on Google, YouTube, WatsApp. Approximately the same earned Peter Thiel on PayPal and Facebook.
All these respected people, as you understand, “graze” in Silicon Valley, where you go with your $ 1000, they will kick you out like a beggar. However, this does not mean that you cannot, having a small amount, join the ranks of venture investors.

How to become a venture investor?

Take on the role of a business angel. In my opinion, for a non-professional investor with little capital, it is better to choose other ways of passive income, since this option is the least profitable and at the same time extremely risky. The bottom line is that you find start-up entrepreneurs among your friends or just online and provide them with funding. The chances of success are extremely small, unless you yourself are an experienced businessman and are not ready to take part in the project.
crowdfunding platforms. Angellist and StartTrack and other platforms allow you to invest relatively a small amount in several startups at once, and transactions are carried out through a special online service. An additional advantage lies in the possibility, when choosing projects, to focus on the decisions of other investors, including professional ones.
syndicated deals. These are joint operations of groups of investors that exist on the same crowdfunding platforms or with investment funds. This approach allows you to invest together with professional players and get access to better and more promising projects. The disadvantage of syndicates is the fees for related services.
Venture funds. If you do not already have, say, $1 million, then this option will not suit you. But we are working for the future, right? So this is worth considering as well. It is good because you do not need to understand existing projects and personally choose startups - professionals do everything for you. You are only required to transfer money to the management of the fund for 5-7 years.
Considering venture investments as passive income, keep in mind that to ensure an acceptable level of risk, you need to distribute capital among at least 10 projects. At the same time, it is necessary to select only high-quality startups. To do this, follow venture project competitions, as well as read articles in the media with selections of promising companies.

Passive income. How it works?

Each of us has an elementary set of resources: time, physical strength, the ability to perform simple tasks. Many also boast a good education, work experience in any field and just a smart head, which in itself is not as common as we would like. So the difference between a dollar millionaire and an ordinary hard worker who lives paycheck to paycheck is how they manage these resources.
An employee, of which the vast majority, in fact, makes a direct exchange of his time for money. At the same time, the cost of each hour or day directly depends on the value of his skills, knowledge, experience, and productivity. And this is called active income. Rich people, in turn, directly or indirectly invest their available resources in the creation of assets - values ​​that can generate income without further investment of the resources of their owner. Therefore, passive income is also called residual from the Latin word residuus - remaining, preserved. The work has already ended, and the profit is saved for an unlimited time.

Why does this method of extracting financial benefits bring many times more money than ordinary wage labor? It's simple: you can create a package of assets, the total value of which for the market will be hundreds of times higher than the value of your personal time with all the skills and knowledge combined.

3 types of sources of residual income!

What can act as assets? I have already given specific options for passive income above, and now I will try to explain the essence. So I would divide all assets into three categories:
The first type is things that rise in price on their own. That is, receiving passive income or another currency is earnings on the difference between the price you paid when acquiring property and its value, say, in a year or simply by the time you decide to sell this property. For example, you bought shares for $15 apiece, and after 5 years they are already worth all $115. The cumulative return is 766%. This is a brilliant result, I tell you.
In the second group, I would include property that can be sold an unlimited number of times. An example is a patent for an invention. You can sell the right to use your invention to multiple companies during the lifetime of the patent. At the same time, you worked only once - when you created your invention. And it can bring a stable passive income for decades.
The third category is assets that themselves create new value, and you receive income from its implementation. Any company can serve as an example. Once you have created a successful business, you can retire, but the activity of the enterprise itself will not stop. It will continue to produce goods or provide services, to profit from their sale, and some of it will safely settle in your fattening pockets.
I want to note that this is not a free retelling of some scientific classification, but my own view on the types of passive income. And I am telling you all this so that you understand the general principles of asset formation and can find and choose for yourself the most convenient and interesting methods for creating sources of residual income, not limited only to my or someone else's advice. In the end, you need to do what you get real pleasure from, otherwise you will not be able to achieve truly grandiose success.

What's stopping you from creating passive income?

I'm sorry, but now I'm going to be smart. Or rather, demonstrate their modest knowledge of economic theory.
In the interpretation of the Austrian economic school, capital is defined as resources that we do not consume right now, but use them in order to get a higher level of consumption later, in the future. And profit, in turn, is a payment for the risk of losing these very resources, as well as for the fact that you have to be patient a little and postpone the moment of consumption until later.
Actually, in these definitions there are four main problems that prevent the creation of residual income.
Problem number 1. We resolutely do not want to endure and postpone the sweet moment of consumption for the future. We want to eat, drink, use everything right now. Life, in fact, constantly offers you a choice: crack one dubious-looking caramel this very minute or wait a week and get a whole box of delicious chocolates. And what do you usually choose? There will be no hints here - answer yourself, only honestly.
Problem number 2. Bad time management. Instead of smartly scheduling and investing part of the time in our assets, that is, future consumption, we either give this time to the uncle for whom we work overtime and on weekends for a “thank you”, and often without any thanks, or we bring precious hours and days as a sacrifice to the gods Divan and TV. There is only one way to overcome this problem - timing. I must say, time management is a whole science, although it is easy to understand it. I advise you to read books on this subject by a recognized guru in this field, Brian Tracy.
Problem number 3. Bad financial management. Remember Matroskin's phrase: “In order to sell something unnecessary, you must first buy something unnecessary. And we don't have any money!" Here is the third problem of creating residual income. This requires at least small capital, and where to get it? I have already outlined some of my thoughts on this topic in the article. In general, you need to learn how to plan your budget and save. Just make it a rule to set aside, say, 10% of all your income every month, and whatever happens, stick to this principle.

This rule is directly related to the third problem of residual income, that is, risks, and is expressed in just one word - diversification. The essence of this approach is to distribute your capital into several assets with different levels of risk. For example, you can build a portfolio of stocks, bonds, and precious metals.
Why is this needed? This is how we minimize risk. For example, if you invest all your money in the shares of a promising young company, then the probability of losing all capital is extremely high if the enterprise does not live up to expectations. And you can do otherwise. Part of the money is in high-risk securities. Another part is in gold. The risks here are much lower and in the long term, the yellow metal shows a stable and very decent growth. And, finally, define another part of the money in bonds, which have a small but fixed value.
Having such a portfolio, on the one hand, you provide yourself with the opportunity to receive a high and stable passive income from shares. On the other hand, you protect yourself from a total loss of capital with bonds and gold. Thirdly, at least part of the invested funds will certainly bring some profitability, which will compensate for potential losses from the loss or fall in the price of other assets.

What passive income options do I choose?

You can learn about my entrepreneurial history in this little autobiography: . In short, I have already built my business, and it is he who serves me as the main source of passive income. But, since it is useless for a real entrepreneur to stagnate, I, firstly, planned the expansion of my company, and secondly, I mastered a new way to increase my capital - trading on the binary options exchange.
This option is not entirely suitable for obtaining passive income itself, since it involves the trader's personal participation in each transaction. However, I will still say a word about it, because, in my opinion, binary options have several advantages at once over each of the above methods of earning:
Low entry ticket price. In contrast to the minimum required costs to create your own business or a diversified portfolio of stocks and bonds, $300-500 is enough to get started with binary options. Of course, to ensure good returns and minimize risks, it is better to allocate a slightly larger amount.
High profitability, many times higher than inflation. Profit from speculation with binary options can reach and even exceed 100% per month of the initial capital. None of the above methods bring such income.
Everyone can master the work with binary options and reach a consistently high profit in 1-2 months.
However, I must immediately upset the lovers of freebies - it is not here. It will not be possible to do without preliminary study and rather painstaking work at the very beginning. You can learn more about how to start from this article:. But then you can make several profitable trades a day quite easily, spending a total of no more than an hour on it. Here is one example of my transactions:

I hope my recommendations on creating passive income will help you figure out how to grow your personal financial empire and avoid common mistakes. I wish you good luck and all the best.
Sincerely, .

Types of passive income - those in which the presence of stable financial income does not depend on daily work activities. Any of us have heard of people living off such income - those who do not have to go to work. They are called "rentiers", that is, living at the expense of rent.

Rent is the income that the owner receives from fixed capital placed in real estate, deposits, securities, etc. "From the same opera" - sources of passive income associated with copyright. By the way, the last option is not ordered to anyone these days. Everything is simple here: having created something once and having fixed the copyright for your own offspring, you will have such deductions for each next sale.

If you are a professional (no matter what area) - you have a real opportunity to monetize your own knowledge. Just record the training course on video or audio and release it to the market.

Why are we not a rentier

Today we will consider options for passive income and its possible sources. Its huge advantage is the release of personal time, which can be spent on favorite activities, family, vacation, household chores, or somewhere else. Anyone who works hard all day at work is almost completely deprived of such a wonderful opportunity.

Managing personal time at your own discretion does not mean spending your life in entertainment establishments, or lying on a warm beach - many people would be happy to do charity work, help the sick and homeless, or create works of art. To start making all these dreams come true, you need the most stable passive income.

Everyone has heard the expression "money to money". What does it mean? Nowadays, a situation is not uncommon when, having a generally good salary, a person "eats" it completely, buys things on credit and borrows money from relatives and friends from payday to payday. This goes on for years and decades.

But why is this happening? I think the main problem such people that the idea of ​​passive income does not even occur to them. They are not able to engage in the creation of an asset that will continue to work for their well-being. Everything that they earn, these people immediately spend, and thus deprive themselves of the only chance to ever escape from the captivity of financial slavery.

Do you recognize yourself?

Some of these consumers can be classified as "financial zombies". These are those whose asset has long been a negative value. That is, their expenses are greater than their income. Debts accompany them throughout their lives. Having given one loan, they immediately take the next one and so on.

Another category is a little more prosperous (but this does not make it any easier) - it tries to somehow correlate its expenses with the amount of earnings. They sometimes have a set of necessary goods - housing, a car, etc. Most of this was purchased on credit, which puts the owners in a dangerous and unstable position. After all, if any unforeseen financial circumstance happens, their well-being will crumble like a house of cards.

There is progress...

In contrast to the above categories, there are those whose asset can be considered positive. That is, their income is higher than their expenses. Most ordinary citizens from this group prefer not to have debts or minimize them and even have some savings, but such saved finances do not play a fundamental role, since they accumulate extremely slowly and are located either under the mattress, or (at best) on the passbook.

The most advanced of fellow citizens are those who are haunted by the idea of ​​passive income. Such people try to seize every opportunity to invest free funds and create their own additional financial source.

Let's go to the authorities

Many people know such a name as Robert Kiyosaki. This investor and businessman has written a number of popular books on the basics. financial literacy, which will not be superfluous for anyone to read. For example, one of the most interesting and most effective tips of this author is as follows: the mistake of almost every one of us is that, having earned a certain amount, we try to distribute these funds to anyone, but not to ourselves. We pay rent and utilities, but we keep nothing for ourselves. You should start just with yourself by creating your own monetary asset. Subsequently, it will become the basis for investing in a business or other source of permanent income.

Another "pro" in financial matters by the name of Rockefeller once uttered a phrase that a person who works full time has absolutely no time to earn money. For all the paradoxical nature of this saying, its wisdom lies on the surface - indeed, working in the office or in production, each of us is able to earn for himself personally only on current expenses to sustain daily existence. For actions leading to wealth and well-being, there is neither strength nor free time left.

The conclusion is this: the main resource is time, which is well known to any of the wealthy people. The idea of ​​passive income is based on the correct distribution of this invaluable asset. And only having achieved this, you can start moving towards financial success. Everyone knows that all those who have achieved wealth initially had a specific list of goals. Well, the third, most important component for creating passive income is active, purposeful work over a number of months or even years.

The result should be a legitimate opportunity to quit a job you hate and start living on the dividends.

Passive income: examples and options

Now let's talk about the ways in which passive income is created. All its sources can be attributed to four varieties - investment (or financial), intellectual, marketing or legal (that is, one that is required by law). Passive income in Russia is no different from that in any other country in the world.

We will receive passive income of a financial or investment nature if we invest in a certain financial instrument, which will bring us a certain percentage of profit. Sources of such investment may be in the form of real estate, securities, bank deposits, own business (if acquired) or equipment owned by us, which can be rented out.

The second of the listed options, called intellectual, arises, as mentioned above, through the creation and implementation of any product of mental labor. The information business that is widespread today on the Internet is based on this principle. Many professionals in various fields develop and design their own training courses, then release them for sale an unlimited number of times.

"Partnerships" - an interesting topic

In the same way, it is possible to buy rights to resell a similar product, which can bring no less income. This type of income is called affiliate marketing. Other sources related to this item may be royalties, patents for perfect inventions or developed technologies.

Making money on affiliate programs is an excellent way out for those who do not hope too much to create their own intellectual product - because this saves time and mental resources. You just need to join such a program or acquire the right to resell (resale) the selected book, video or audio course.

Other income without investment

Marketing passive income is one in which you organize your own marketing system or several of them. An example of such a structure could be your own website on the Internet or a personal brand, the right to use which you can also sell. A combination of several of the above strategies is also possible.

What is meant by the concept of a personal brand? This is a commercial use of a famous name. An example is shooting in commercials for movie, television and sports stars. Becoming the "face" of a particular brand, they get good money.

The fourth variety - the legal income of a passive nature - includes all cases when people, in addition to a certain (sometimes not too high) remuneration for their work, receive certain bonuses from the state. This may be, for example, an early retirement with a guaranteed receipt, which is typical for the military, etc.

Going online

Creation of a website for making money on the Internet (or a blog). Nowadays, this does not require a lot of complex technical knowledge and skills. You can make an acceptable site with your own hands by mastering the minimum information that can be easily and free of charge found on the Web. There are many step by step instructions and video courses.

Of course, your own blog or website will bring you a monetary return far from immediately. It will take at least six months, and most likely a year or two, to promote it and bring it to an acceptable level. All this time you have to work on your own project on a regular basis, optimize it and bring it to perfection. This work will take several hours daily. However, you can count on the first small revenues in a few months from the start.

Having created and promoted a site, you can sell it, and for a very good amount. It is quite possible for a person who has mastered this technology to organize his own business for the "production" and further sale of profitable Internet pages.

How do they earn money? The most popular ways include generating income by placing contextual advertising blocks and similar articles on resource pages, of course, not for free. Affiliate links are placed on the sites and advertising space is sold, they also actively offer training courses to buyers, both their own and partners.

In a word, there are a lot of ways to use such a valuable resource as a blog or website on the Internet, and there is always the opportunity to choose something that suits you.

For those who are not deprived of intelligence

Creating a product that has the status of intellectual (such as books, educational videos, new technologies, etc.) implies the presence of a certain talent, as well as a high level of professionalism in any of the areas.

If you are an inventor or developer of an industrial design that has become fundamentally new, then your products of labor can be safely attributed to intangible assets. This term refers to those derivatives of our intellect that generate income in the absence of a material form. Examples are trademarks, brands, or patented inventions.

Let's get down to earth

Income from renting an apartment (or other real estate - if available) is a well-known and very common option. But there are others like it: it is possible to "lease" not only buildings or retail space, but also equipment related to a variety of industries - trade, construction or manufacturing.

Yes, and other expensive items (for example, vehicles) will bring you good dividends. Sometimes it is more profitable to dispose of equipment than real estate. In particular, by purchasing tools and equipment for construction, you really organize a good and quite profitable business based on their rental. The payback of such activities is very high and in time it significantly exceeds the similar indicator for rented real estate.

Do you want to become a shareholder?

Investing in securities (or other financial instruments, which include a huge number of banks, PAMM accounts, mutual funds) is a widely accepted practice these days. Such activity is considered one of the varieties of business.

Replenishing the number of professional investors is not an easy task. This activity is quite complex and requires a competent approach, as well as a fairly serious training. Possession of financial instruments is impossible without a more or less acceptable education in this area, the ability to compare various information flows, take into account risks and predict the situation.

Investing in securities has certain advantages compared to, for example, bank deposits, in the form of a higher rate of return, but at the same time, the high risk of losing invested funds sometimes crosses out all the advantages. When you decide to dive into the world of stocks, mutual funds and PAMM accounts, remember that with the exception of long-term bonds, stable income is not so easy to achieve here, and the risk of incurring significant losses is always quite high.

Everything can be sold!

A relatively simple and, perhaps, generally available option for creating a source of passive income is considered to be participation in network marketing. The amount of initial investment, if any, is not too large and rarely exceeds a hundred dollars.

A necessary condition for those who are trying to succeed in this field is sociability, readiness for contact with a large number of people. In the future, these people - your team - are able to bring money without your participation by organizing their own network, a percentage of the income from which you will receive.

Do you need a lot of money?

The classic and perhaps the best way was and remains the creation of your own business. If a this action takes place in virtual reality, that is, on the Internet, global financial investments at the initial stage, as a rule, is not required. That is, such an option is available to people with very limited material resources.

Even earnings without investments are quite real, or you can earn money on the accumulation of a small initial capital right here, on the Internet.

There are a huge number of options for starting and promoting your own business, both online and in real reality itself. In "life", of course, this requires large expenditures and overcoming many difficulties of an organizational and legal nature. In addition, the competition here is very, very high. But still, looking around carefully, you can look after your own niche, not yet occupied by rivals.

What's in real life?

For example, a very promising business with passive income in our time is the purchase and placement in large hypermarkets and other crowded places of machines for various purposes - from payment terminals to units for selling coffee and pies. Such a business is called vending. A person purchases and installs machines at his own expense, which then bring him a constant and stable income.

In a small article, we do not have the opportunity to consider all types of passive income - there are very, very many of them. Its options are offered to us today by the mass media, and the Internet has been and remains their indispensable source. We want to end our material with important tips.

A few parting words

1. At all costs, try to regularly carve out the time left from the main work, which you will spend on creating your future asset. Think constantly about how you can best use it. Your goal is to ensure that earnings from your main place of work do not remain the only source of money for you. You must find sources of passive income that allow you to make a profit more than once or twice.
2. Do not limit yourself to creating a single such source. Options passive income There can and should be several, and the more the better. After all, there is always a risk of losing one or most of them. In this case, losses will be compensated through parallel channels. You can see the importance of this postulate by reading about multiple sources of income by Robert Allen.
3. Don't forget self-education. Knowledge is an asset that won't hurt anyone. To understand the world of finance, to understand how money is made, where it comes from and where it goes, is no less important than coming up with an interesting idea for investing or successfully being in the right place on time.

The principles of creating passive income do not carry any special secrets. If you are determined to succeed, have the necessary minimum knowledge and some free time, the result will most likely please you sooner or later.