What to buy to earn passive income. Minimum costs! Creating your own blog

Hello, dear readers. In this article I will try to cover the topic of passive income in as much detail as possible.

More recently, a person’s interest in money and ways to increase their capital was considered, if not shameful, then certainly not worthy of approval. There was an opinion in society that it was possible only at work, and there was a very wary attitude towards all other sources of income.

Of course, then there were good reasons to think so: many people “burned out” on seemingly guaranteed and quick methods of getting rich. However, fortunately, today different times have come: there are many opportunities, using which you can, although not, seriously improve your material well-being.

What first comes to a person’s mind when he has a desire (or need) to have more money? That's right - extra work. This decision has its advantages (earnings will definitely increase, plus there will be no censure from society). However, the disadvantages that this method has in abundance (lack of time, effort, qualifications, experience and much more) often put an end to finding additional work.

What remains to be done in such a situation? Fortunately, the modern world provides an opportunity without literally doing anything for it. The name of this wonderful method (or, more precisely, a whole group of methods) is passive income.

What is it? “Passive income” refers to the kind of income that a person has, one might say, unconditionally - he does not need to work or carry out any actions to get it, he has it on his own.

Today, many residents of our country have passive income in one way or another, and they themselves often do not realize it. Its amounts may differ: someone has only a few hundred rubles a month, while someone else’s passive income amounts to hundreds of thousands. The amount of cash receipts is influenced by many factors, which will be discussed later in the article.

The opportunities that passive income provides are usually underestimated. Even those who have heard about this method of generating income believe that they will not be able to earn any significant amount - which means there is no reason to bother. In reality, this is, of course, not the case: as I said above, some people receive hundreds of thousands of rubles every month without doing practically anything.

Who can really benefit from passive income ideas?

Look at the list below: if you consider yourself to be at least one of these categories of people, then earning money for which you don’t have to constantly work will definitely not hurt you.

1. You don’t want to constantly work for the state or “the other guy,” but rather, sooner or later, you want to put your own ideas into practice.
2. You want to retire and go discover the world, but you understand that the existing pension provision is definitely not enough for this.
3. You consider the future well-being of your family to be one of the main guidelines in life and are ready to take real steps in this direction now.

Of course, it’s good to talk at length about passive income, but how can you start getting it? What needs to be done for this and in what direction to work? This is what we will talk about today.

1. What is the difference between poor and rich people?

Before I begin my review of popular ways to generate passive income, I want to ask you a question: what, in your opinion, is the difference between the poor and the poor?

Did you manage? Remember your answer and keep it with you - it is not at all necessary to announce it, but it will be useful in the future.

My opinion completely coincides with the views of Robert Kiyosaki, a famous American businessman and investment specialist. So, Kiyosaki believes that the rich and the poor differ from each other primarily in their attitude towards money. What is he talking about? Let's take a closer look.

Imagine two friends. One works in a good place and is an excellent specialist in his field, which allows him to receive a very good salary. The second one does not have an excellent education, which is why it is quite difficult for him to get a good job, and the current one does not pay very much - almost 2 times less than a friend.

Which one is richer? It would seem that the answer is obvious - but do not rush to conclusions...

Now let's see what expenses both friends have.

The first (an excellent specialist with a high salary) regularly eats in not the worst restaurants - lack of time, laziness to cook and other reasons do not allow him to make his own food. In addition, he almost always gets home from work by taxi - he doesn’t have his own car (because he didn’t bother to get a license), and his “status” doesn’t allow him to use public transport.

Also, the first friend regularly (sometimes several times a month) goes shopping for clothes, and not the cheapest ones. Why does he need this? The fact is that a person does not know how (and does not want) to restore wardrobe items - even if there is a very small stain that cannot be washed in a washing machine (but can be easily removed by dry cleaning), he throws the item in the trash and goes to buy a new one.

Okay, but what about the second friend who earns much less? Going to restaurants is a luxury for him: he visits such establishments once every few months (and even then he never eats enough, but takes very little), and he travels to work and back by bus. As for things, he not only takes them to the dry cleaner, but also tries to restore them as much as possible - sew up holes (and completely unnoticeably), reshape them, give clothes a new purpose (for example, turning old jeans into shorts).

But why am I doing this? What do food, transportation, clothing, and other expenses have to do with wealth? The answer will probably seem incorrect to many of you now, but it is very simple - the most immediate.

Why is this so? Please note: although the first friend has a very large salary, he constantly spends it on restaurants, taxis and clothes - if you use this regularly, and not on holidays, even a very thick wallet may not be enough (which is what happens with the first friend, forced sometimes even to borrow from the second).

On the contrary, a friend who handles his money very carefully (spends it only when there is a real need for it) never experiences material need - the difference between his income and expenses is always positive.

That is why the first friend does not have any savings, and his friend, earning almost 2 times less, regularly (from each salary) puts aside some money for his deposit. Over the course of several years, a decent amount of money has accumulated there, which can be spent, for example, on a car, several trips to other countries, or on education.

I hope that after such a clear example, Robert Kiyosaki’s point of view (and mine too) has become completely clear to you - First of all, those people who spend less than they earn become rich. Such people know how to limit themselves in unnecessary expenses, understanding that strategic benefit is much more important than momentary satisfaction.

In conclusion, let's outline the main points where the difference between poor and rich people is most obvious.

1. Attitude to wealth and money. If for “poor” people (primarily not in terms of wealth, but in their way of thinking) money is a goal, then for “rich” people it is a means (they provide an opportunity to satisfy the need for a secure future, knowledge, and skills).
2. Attachments. The “poor” and the “rich” manage their earned funds differently: if the former spend it very quickly and make almost no investments, the latter will definitely save the money and invest it in sources that will eventually begin to make a profit.

We have figured out how “rich” and “poor” people differ from each other - I think that after reading this section many people have something to think about. Well, we move on to considering the sources and types of passive income.

2. How can you earn money passively?

To start generating income that will always be there - regardless of whether you work or not - you need to find out what types exist and which of them are most acceptable to you.

Sources of passive income can be of four types, and each of them is worthy of a separate story.

Type 1. Intellectual property

I’ll start, perhaps, with objects that are created as a result of intellectual work - literary sources, musical works, programs for various events and the like. In addition, this includes inventive ideas - they can be patented and have income from implementation.

How is passive income generated for intellectual property? The creator of any object described above acquires ownership and authorship rights to it. If the right of authorship is inalienable, then the first right can be sold and receive income from it.

The realization of property rights, as a rule, does not occur immediately, but over certain periods of time. This allows idea creators receive passive income not once or twice, but constantly – because this is what we strive for

Despite the fact that royalties today can be very large, this method of earning money is available to very few - primarily because it is extremely difficult to invent and promote something unique and original today. Nevertheless, let's remember this method and move on to consider others.

Type 2. Investments

Investments are investments of funds with the goal of subsequently receiving a profit greater than the size of the investment.

In the minds of most people, investing seems like something very distant, accessible only to very rich people. In fact, investing is available to everyone who has at least a little free money - they can also make a profit.

Where can you invest money? There are many places:

• bonds and shares of companies, states
• Mutual investment funds (mutual investment funds)
• PAMM accounts
• real estate objects
• bank deposits
• business.

All these opportunities have different returns and different risks, so before choosing, you need to decide what is more important - the amount of profit or the guarantee of capital safety.

Type 3. Marketing

Marketing is the promotion of a certain product to markets and making a profit from such activities.

Previously, manufacturing companies around the world were faced with the question: how to start producing more and of better quality? Today, with some exceptions, such a question does not arise, but another problem has come to the fore - where and how to sell the goods? Marketing helps a lot in such a difficult task, and you can make good money from it.

Network marketing is available to every person today. To start earning money in this way, you need very little: a small starting capital (in some cases you can do without it) and the ability to sell a product. The bottom line is this: You take (or buy) products from a company and sell them to consumers. The difference in purchase and final prices is your profit.

“Okay,” you ask, “but what does passive income have to do with it?” Indeed, at first glance it seems that in network marketing you constantly need to go around and offer a product in order to be purchased. However, in reality you can do without it.

For example, Internet sites help a lot in network marketing. If you invest once in the creation and promotion of your own web resource that will advertise your product, then in the near future you will not have to do anything to sell your products - customers will come to you themselves.

Type 4. Receipts from the state

Some people, having far from the highest salary and many expenses, nevertheless live quite well. How do they do this? Perhaps it's a matter of legal literacy.

The laws of our state allow us to receive a variety of payments from the budget. Of course, to do this you need to meet certain conditions, but they are not as complicated as they seem, and there are many more possibilities.

I will list only the main ways to obtain funding from the state, which can be available to everyone:

• pensions
• subsidies for utility bills
• subsidies for business development (especially for small businesses)
• "Maternal capital"
• subsidies for improving living conditions (“expansion”, certificates for land, houses, apartments).

To summarize this section, I would like to say that you should not limit yourself to just one type of sources. Ways to earn passive income are very diverse, and you can always work in several directions at the same time - this way your income will be much greater.

3. TOP 7 Ideas for creating passive income

We have looked at the main areas in which you need to work to make passive income.

It’s time to move on to specific ideas suitable for implementation - thousands of people have already used them and today have stable cash flows with virtually no participation.

Idea No. 1. Own website

The Internet is an inexhaustible source of everything: information, clients, sales, goods... You can’t list it all. The coverage of the World Wide Web is so global that even despite the truly enormous number of web resources, there is still plenty of space for new sites. That is why Internet sites are at the top of the list of methods for generating passive income.

What will it take to become a webmaster (site owner) and start receiving money? You need:

• knowledge of marketing (not at the level of an institute graduate, the basic principles, principles and skills are sufficient)
• PC proficiency (some special programs will be required)
• free time
• focus on results.

If you have everything from this list, congratulations: passive income on the Internet is an opportunity for you.

In our age of standard standardized things, any unique product that has properties that distinguish it from other products gains success - its inventor rapidly popularizes his name, and copies are sold in very large quantities. If you have an inventive or creative streak, you can try to write a book, create a canvas or other work of art, or develop a breakthrough technology.

The use of such ideas by others, as I said above, can bring long-term profits. It will come from licensing fees for the use of the product, the development of new solutions based on it, and many other things. Using your intellect to invent something new sometimes allows you to create a source of passive income from scratch: with only paper and pen (in modern conditions, a computer), a writer can create a masterpiece that will be read by the entire planet.

But what to do if you can’t invent a breakthrough technology or write a picture that will be appreciated by critics? Is it really not possible to generate passive income in this way?

Fortunately, it's not all bad. Today, even seemingly ordinary things, but presented in a new way, often have wild success. A striking example is traditional crafts: masters of knitting, sewing, pottery, weaving, and jewelry make money not only from goods, but also from teaching others their craft.

I can advise lovers of modern technology and active computer users to turn their attention to the Internet. Even one telling about a person’s life, if presented correctly, can “blow up” the Internet and become mega-popular. In addition, you can write computer software - games, programs and useful utilities that help make modern technologies more useful, understandable and accessible to excellent users.

Creating a creative product is easier than you think. Explore your abilities, talents and skills - you will probably find something unique that you can apply and turn into money. If you do your business with soul and are able to establish a dialogue with people, then have no doubt that your creative product will be a success.

Idea No. 3. Property for rent

Surely you have property that seems to be necessary, but at the same time is not used very often (or is not used at all). If there is no desire to sell it, then you can rent it out and receive income from it.

What exactly is popular in rental markets? You can donate anything:

• apartments
• cars
• equipment for repair, construction
• cloth
• furniture
• decorations
• much more.

The obvious option for most is only an apartment - they are usually rented anyway by everyone who owns two (or more) apartments or has, for example, both a house and an apartment. The remaining objects, as a rule, hang as “dead weight”, cluttering up the space and not providing any profit.

For example, after the repair you still have the equipment that you bought for it: a jigsaw, a hammer drill or something else. It is, of course, a pity to throw away such things, there is no need to use them, and if they agree to buy them, it is much cheaper than the price in the store. In this case, renting is an ideal option: as a rule, such equipment is needed only for the duration of repairs, and people are not ready to buy it for good, but borrowing it for a while is another matter. For 2-3 rentals you can get the same amount as other enterprising people offered to buy an instrument for.

Making the service popular in this case is quite simple: just advertise on some regional website for repair issues. If you don’t want to spend money, you can leave messages on thematic forums: they are visited entirely by representatives of the target audience, which means the conversion will be very high.

Of course, this type of income cannot be called completely passive: you need to communicate with clients, check the performance of rental objects. However, it is this idea that best meets the needs of those who are looking for passive income on the Internet without investment. Judge for yourself: you don’t need to purchase equipment (you already have it), you can make advertising completely free of charge (links on forums or the same Avito), you can meet clients at home or in any other convenient place.

Idea No. 4. State payments

Speaking about the ideas of passive income, I mentioned that many residents of the Russian Federation have the right to receive money from the state, but do not use it. In this section I want to talk about this opportunity in more detail and give specific examples.

Who can apply for budget payments? There are several main categories here:

• pensioners
• disabled people
• families in difficult life situations
• families with many children
• entrepreneurs who have opened their own business.

In fact, you can receive payments even when you do not belong to any of the categories listed above (however, this will be very difficult to do, even if you meet the conditions specified in the Civil Code).

Let's move on to a review of specific types of government support.

Method 1. Childbirth benefits

The state actively stimulates the birth rate, and today families with small children can receive several payments at once:

• “maternity capital” is quite large in size (453 thousand rubles in 2017, while regional authorities can pay extra at their discretion), however, it is issued only when there are at least two children in the family, and it can be spent in a limited number of ways
• child benefits (paid to the mother for the entire time she is on maternity leave).

Of course, the size of those “children’s” ones that exist today cannot please anyone, but in the absence of more, one must be content with what is there. Even small amounts of money coming in regularly and without any effort can help improve your financial condition.

Method 2. Subsidies for business development

The state is interested in development - this provides new jobs, tax revenues, and in the future also stabilization of the situation in the country. To this end, government authorities provide financial assistance to entrepreneurs who have a business idea and a clear understanding of how to organize its implementation.

A subsidy for business development is issued free of charge and free of charge - unlike a loan, it does not need to be repaid. Another plus is that absolutely any entrepreneur can apply for such financing.

Of course, the state is interested in giving money for the implementation of only really promising ideas. Because of this, potential businessmen, in order to get money (and without the help of the state it is sometimes unrealistic to open a business), provide many documents detailing the project, profits and payback periods. The papers are reviewed by authorized structures, after which a decision is made (it can be either positive or negative).

Having received the money, the businessman must immediately put it to work, and then report the costs to the institution that issued the money. This point should be taken as seriously as possible: if the report does not satisfy the inspectors, they will demand the money back.

Government payments are an excellent opportunity to earn passive income with virtually no effort. Of course, it will not be permanent in the full sense of the word (with rare exceptions), but this possibility should definitely not be ignored.

Idea No. 5. Financial investments

Let's move on to studying probably the most serious method of generating passive cash flows - financial investments.

Why do I say this? Any investor planning to play in the financial market must have at least the following:

• endurance, patience, desire to improve and learn new things
• initial capital.

If, as a rule, there are no problems with the first one, then with the initial capital there are often difficulties. However, it is not worth abandoning this method if you do not have a significant amount of money: a small capital will simply bring less profit.

Where to invest to start earning passive income? There are several investment strategies that differ from each other in costs, payback periods and risks. But first things first.

Method 1. Purchasing real estate

If you have a fairly large sum on hand (several million rubles), then you can invest in real estate: an apartment, a house, industrial space.

This type of investment can begin to generate income immediately: when renting out the property, tenants will pay a certain amount monthly. If the value of the property has increased compared to the initial value, and buyers have also appeared, then you can sell the property: in this case, you will have not only the money paid for rent, but also the difference between the purchase and sale costs.

This method of investing is suitable for those who have significant capital and at the same time are not at all prone to financial risk. Real estate will always remain in value, and price fluctuations for it are not as significant as for “smaller” properties.

However, I would like to draw your attention to the fact that real estate will require costs even after its acquisition: the apartment (house, industrial space) must be maintained, utility bills must be paid, and so on. If you do not have a clear understanding of who will rent the property, and the prospects for increasing its value are very vague, it is better not to use this method of investment.

Method 2. Using financial instruments

Securities, Forex markets and other opportunities to make money on price movements are a great way to make money.

What advantages does this method have?

First of all, there is no need for large start-up capital. Having several thousand rubles in your pocket (or money), you can safely register on Forex and start investing. In addition, here you can very quickly increase your capital several times - stories about people who literally increased their savings by 3-4 times in just a week are by no means a fantasy.

Of course, such advantages cannot come without disadvantages. In principle, there is only one drawback, but it is quite significant: very high risks. Of course, their size depends on the investment strategy (you can not take risks at all - do not use financial instruments, but in this case you can’t count on profit. If you want, like those people from success stories, to grow several times weekly, then I hasten to disappoint – success, even if it exists, is guaranteed to dry up almost immediately.

This is why an investor in Forex and other financial markets, for example, must choose the right balance between profitability and risk. To do this, you need to be able to calculate the risks, you will also need the ability to control yourself and be calm in any situation.

Idea No. 6. Network marketing

I already spoke about network marketing above, but now I want to dwell on this idea for passive income in more detail.

Selling products of famous brands is a truly global process: today it is carried out by people who have nothing to do with the company itself. This happens both because of the oversaturation of the market and because of the increasing number of proactive, purposeful, active people who know how to sell a product to even the most intractable client.

Anyone can start making money from network marketing – including you. To do this, you need to meet all the conditions that I mentioned above, as well as have a good understanding of the manufacturer’s product range and be ready to always meet the buyer halfway.

Now - about what you need to know about network marketing and what methods of earning money there are.

The pinnacle of the dreams of many people is to create a business so that it brings a stable and large income, and without the slightest intervention.

This, of course, is a laudable aspiration, but we must remember that a businessman can only become successful if he can understand whether the chosen direction is promising, convince investors (if he does not have his own savings) of future profits and implement the project as it should be. was intended.

Often a potentially very profitable idea “stalls” only because the author himself does not have the money to implement it, and investors are not inclined to give their funds. In this case, an online business can help - it requires significantly less investment, and in the future it gives almost the same results.

What business opportunities exist on the Internet? There are quite a lot of them:

1. . Even if you don’t have anything that could be sold, it doesn’t matter - goods can be purchased and sold at a higher price. The Internet makes it possible not to spend money on promotion and renting space: promotion on the Internet can be practically free, and you can distribute goods right at home.
2. Provision of services. Strictly speaking, this refers to the promotion of services that are provided offline: legal, medical and other consultations, as well as other types of services. If you have the appropriate education and experience, but are experiencing problems with promotion, then the Internet is your best friend and assistant: with its help you can convey information about the service to the consumer, organize a recording and collect feedback.
3. Information business. Knowledge is capital that will always be valuable. If you have unique information about something interesting and important and want to tell people about it, then you can create your own website (or advertise on forums and other resources) and look for clients through it.
4. Distribution of information. To make money this way, first of all you need to create a popular (with a large number of subscribers) page or website. Once this is done, you can contact the owners of large companies whose field of activity corresponds to the topic of the page or resource. It is quite possible that they will agree to send information about themselves through your projects, and you will earn income from this.

As you can see, it can be carried out in many directions, and the main thing is to choose exactly the vector that best suits your ideals, values, aspirations and capabilities.

4. Earn passively via the Internet: working methods

You can and should make money online. The types of passive income are vast and varied, and today, probably, anyone who has a connection to the World Wide Web can take advantage of at least one of them.

Before you start generating income via the Internet, I recommend answering yourself the question: what do you want to get? Do you want to earn a small amount quickly and without much effort, or are you ready to invest time, effort and money to ensure a stable cash flow?

If you chose the first option, then I can recommend, for example, making money on social networks or. You can do this on any social network, the work is completely easy, however, it cannot be called passive income - you will have to “scribble” every day.

If you chose the second option, then there are much more ways to earn money via the Internet that will generate (over time) income without your participation. In this article I will look at 7 main methods, but there are actually other possibilities. So, let's go.

Method 1. Implement advertising on your website

Every year thousands of new companies emerge and face the need to sell their products and services. For the world to know about them, they need to “promote” - advertise in every possible way. One of the most effective places for promotion is the Internet: the audience is multimillion-dollar, and the costs are often lower than when advertising using more traditional methods.

What am I talking about? And to the fact that every webmaster (creator and owner of an Internet resource) can earn income from advertisers. This method will be the first in this section.

No. 1. Contextual

Contextual advertising is showing the user information that either corresponds to the topic of the page or what he was looking for on the Internet earlier. This is a great way to generate income even when the site is in its early stages of development. Using this monetization method, a webmaster needs to do a minimum of things:

• think about where on the site the blocks with contextual advertising will be placed (if there are mistakes, don’t worry - the location can always be changed)
• register in programs for placing contextual advertising (Google AdSense, Yandex.Direct).

The services will do the rest (searching for clients, placing advertisements) for you.

How is such advertising monetized? Yandex.Direct, Google AdSense and other similar services at a certain frequency (usually once a month) transfer the webmaster’s income to a special account, which consists of the total number of “clicks” on the ad. The more clicks on the link are made, the greater the amount the owner of the Internet site will have.

No. 2. Selling links

The owners of other projects on the Internet are in dire need of visitors - the more of them, the more successful the site. They can also be promoted through special resources involved in “trading” links.

What is the essence of such projects? They act as intermediaries between those who want to “buy” a link (pay for a link to the desired site to be on a well-known and popular resource), and between those who want to “sell” the link (place it in an article on their website) .

If your project is well promoted (it has at least 5 thousand visitors daily, although each link exchange has its own requirements), you can try to “sell” links. To do this, you need to create an account on the exchange and submit your offer to potential buyers.

• “eternal” - sold immediately for the entire life of the site
• rental - placed for a certain period, while payment “drips” at a certain frequency.

The income from this method of earning is unpredictable - it can vary greatly depending on the theme of the site, its age, traffic and even the time of year. At the stage of project formation, you definitely shouldn’t resort to it: there is a great danger of being “banned” by search engines, and then the site can be closed. You need to wait at least six months, and only then register for projects to implement links.

No. 3. Selling banners

How it works? The principle of operation is similar to contextual advertising: the webmaster also needs to provide a place for the advertising block (it must be visible, but not interfere with the perception of information) and place advertisements from employers on it.

What is the difference? There is no intermediary in the form of Google AdSense or Yandex.Direct - contact occurs directly between the advertiser and the webmaster. Due to this, the site owner’s profit increases, but the number of clients, as a rule, decreases - most of them immediately turn to Google or Yandex, without working directly with the project owners.

To sell banner advertising, the website must have comprehensive information about the terms of cooperation - terms of placement, cost, and other provisions. It is best to allocate a separate page on the resource for this so that all the information is in one place.

To summarize, I can give webmasters who are planning to earn income from advertising a couple of tips:

• you need to have good knowledge in SEO optimization of resources and learn how to interact with advertisers (this will come with experience)
• the site should be made primarily for people, and not for monetization - uninteresting web projects are never considered by advertisers, and Google AdSense and Yandex.Direct are increasingly “learning” to ignore such resources.

Method 2. Affiliate programs

What's happened ? This is a way for sellers to attract customers. It consists of the following: a company that has a product attracts other people to distribute it, promising some income from each sale.

Today, almost all major sellers of goods and services have affiliate programs - in this way they save not only time, but also money, and other people get the opportunity to make good money.

Finding is easier than it seems - there are many ways to do it:

• place a banner on your own website (if you have one)
• create a group on a social network, distribute the link among its members
• purchasing an article in which a link is “embedded” on a third-party resource
• posting a video on the Internet indicating a referral link (you can show it in the video itself and place it in the description).

When participating in an “affiliate” program, you definitely need to find out how reliable its organizer is. There are many known cases where promising and promising projects in fact turned out to be an ordinary “scam”. It is worth paying attention to both the reviews of friends and acquaintances (if they have previously participated in the program) and the opinions on specialized Internet resources.

Method 3. Investing

To make a good profit, sooner or later you will need money - if there is no starting capital at all, then you cannot count on large sums.

As soon as you have at least a few tens of thousands of rubles available for investment, you can start investing. This method of generating passive income, as I said above, is potentially the most profitable, but also the most risky.

What to do to reduce the risk of losing funds to a minimum? A great way is to diversify your investment portfolio. The word is quite complex, but in practice everything is quite simple: it means the distribution of funds between various instruments.

For example, a fairly popular portfolio in the investment environment looks like this: 40% of all funds are allocated to bank deposits (minimal risks, low profits), 40% to PAMM accounts (more significant risks, but higher profits), 20% to others projects.

In addition, funds can also be distributed within each instrument (for example, making not one but several bank deposits, making several instead of just one).

The portfolio described above is the optimal combination of risks and returns: it provides an almost 100% guarantee of the safety of funds (if not all, then at least part of them), while providing significant profits.

PAMM accounts, mutual funds... Surely an unprepared reader has a question: “What is this anyway?” We will now talk about what investment instruments there are and what features they have.

Method 4. Bank deposits

A bank deposit (or deposit) is an understandable and virtually risk-free way to generate passive income. It is implemented as follows: you open a deposit in a bank, deposit a certain amount into a special account, and after a predetermined period of time, income equal to a certain percentage of the amount is credited to the account.

How much can you earn with a bank deposit? No - today rates in large and well-known banks (and, perhaps, it is not worth opening deposits in others) are at around 7-8% per annum - that is, approximately at the same level as inflation. This means that today deposits help not to increase savings, but to preserve them.

However, where there is less income, there are less risks. Of course, cases of bank bankruptcy today are not so rare, but almost all financial institutions are participants in the deposit insurance system (DIS). If the bank does not have the funds to pay depositors, then another financial institution appointed by the DIA (Deposit Insurance Agency) will do this for it. It is worth noting that only savings of up to 1.4 million rubles are eligible for the program.

Do you need a bank deposit in your investment portfolio or can you bypass it? Despite the very small profit, the answer is clear - it is necessary. The deposit acts as a financial “safety cushion” - even if all other funds are lost, the money placed in the bank will make it possible not to go bankrupt.

Method 5. Mutual funds

(or mutual fund) is a complex in which there are two types of participants: shareholders (people who invest money) and managers (people who manage money for profit; often part of the same organization).

In a simplified form, the process of functioning of a mutual fund can be described as follows: an investor buys a certain number of shares (securities) and becomes a participant in the fund. The money that was contributed to the purchase of shares is used by managers in financial transactions to make a profit. If income has been received, it is distributed among shareholders according to the principle “the more securities, the greater the profit.”

About 10-12 years ago, mutual funds were a very popular investment method - the return/risk ratio was quite high. Today, the situation has changed quite dramatically, and many fraudulent structures have also arisen, and therefore mutual funds today are, as a rule, not considered by advanced investors.

Method 6. PAMM accounts

A PAMM account is an investment method similar to a mutual fund.

The functioning mechanism is as follows: a group of investors gathers who do not want to trade Forex on their own, but have capital. Next, the players create a common account and search for a successful specialist who can manage this account. Once an agreement is reached between the trader and investors, the specialist begins trading Forex with the goal of making a profit.

How much can you earn on PAMM accounts? It depends on the type of trader (you can work with people who adhere to completely different strategies) and on his remuneration (usually 20-30% of the profit, but sometimes more).

For a person who is ready to invest money and receive income from it, PAMM accounts are interesting for the following:

• You can “enter” the market even with a small capital (from $10)
• you can choose a trader yourself, having complete information about the strategy of his actions and successes in previous periods
• transactions with money (crediting to the account, payments from the account) are carried out quickly (within 1-2 business days).

Of course, PAMM accounts also have disadvantages. The first (and most important) is the real possibility of losing all funds. Often, even very successful traders show unsatisfactory results in certain periods of time, and for many investors this is enough to be left without money.

The second is the inability to control the actions of the manager. A specialist works according to his own rules, and it is almost always impossible to prevent him from investing in a particular asset (which may be unpromising).

A PAMM account, despite its shortcomings, is a good way to seriously increase your capital. It’s not worth allocating a large percentage of your savings to it, but there’s definitely a reason to include it in your investment portfolio.

Method 7. Venture investment

Venture investments (or, as they are also called today, “startups”). Such undertakings differ from others in that they necessarily carry some kind of novelty.

As a rule, a person bursting with ideas does not have the money to fully bring to mind at least one of them. Because of this, he has to cooperate with people who are willing to give money for the development of the initiative. Of course, not for nothing: if the implementation is successful, the investor who invested his money will receive a certain percentage of the income.

You too can become such a person. This is quite simple to do: there are many “startup” exchanges on the Internet, which you can freely go to, register and study the proposed projects. The opportunity to communicate with the authors is provided - first-hand information will help you make the right choice.

What should you keep in mind when making venture investments? There are two main points:

1. There are a lot of ideas, and it’s impossible to invest in everything. However, it’s also not worth investing everything in one “startup”. The best option is the “golden mean”: it is worth choosing several projects (3-4) and distributing funds between them depending on the expected development of each.
2. You will have to control how the project is progressing on your own - there are no managers. During supervision, it is imperative to compare the pace of development of the selected “startups” with each other and, if necessary, redistribute capital.

Method 8. Precious metals, currency

When choosing an investment method, anyone will look at popular and well-known methods - currency and precious metals. Well, let's talk about them too.

Precious metals listed on various exchanges are gold, silver, platinum and palladium. They have long been a means of storing savings (and at the earliest stages of human history they even replaced money).

Despite the widespread belief that investing in precious metals is profitable, such savings do not bring large incomes. Moreover, they are unprofitable: at the beginning of 2016, a gram of gold cost more than 3,000 rubles, and today it barely reaches the mark of 2,400 rubles. The situation with platinum is the same: if at the beginning of 2015 it cost 2700-2800 rubles per gram, then today it is a thousand cheaper.

As for currencies, today too much volatility prevents us from considering them as a savings instrument: the exchange rate “jumps” back and forth, and it is almost impossible to predict where it will move in the near future and by how much it will change. In the situation with the ruble, oil has a great influence: where the “black gold” goes, so does the Russian currency.

To get some income from savings in precious metals or currencies, you need to constantly monitor changes and sell/buy assets. Such activity sooner or later turns into trading, and we are talking about passive income.

The same situation applies to bonds, stocks and futures that can be purchased online. The profitability is far from the highest, and the risks are high, so I recommend taking a closer look at other investment methods.

Method 9. Internet projects

Finally, the last type of investing via the Internet is investing money in projects on the Internet.

This name, as you might guess, refers to the most ordinary sites. I have already talked about how they make a profit in this article, so I will not repeat myself.

What is definitely worth mentioning is the payback period for investments. Depending on the topic of the resource, its traffic and the price requested by the webmaster, it takes from one to two years to return the funds. The period, of course, is rather long, but the return is significant: after this period, the project will generate significant income, which will almost entirely be net profit.

Of course, if you have absolutely no knowledge about websites and how they need to be administered, it is not recommended to use this method - the project should not stand still, and if there are no changes in it, sooner or later everything will stall. However, even if the information is minimal, everything will come with experience, because the main thing is the desire not to stand still and improve in a new area.

Method 10. Passive income through social networks, YouTube

In search of an answer to the question " how to create passive income? many come to social networks and video hosting sites. This step, in general, is completely reasonable - you can really make money here.

Where can I get them? To increase the number of followers, you can use the following methods:

• advertise in other thematic public pages - people will find out that you have a page and start reading it
• hold competitions - investments in prizes (often literally a few hundred rubles) pay off many times over (“everyone loves a freebie,” even if it’s a small one)
• “increase” subscribers (there are specialized services that significantly increase the number of subscribers for a reasonable fee).
• negotiate with the owners of other “publics” - it is quite possible that they will agree to exchange advertising (you will post information about your partner’s page on your resource, which, in turn, will give its subscribers information about your project).

However, I don’t plan to abuse the method of “cheating” subscribers - often the pages are “fake”, and potential advertisers (those who will bring you money) will not be interested in them.

YouTube and are promising areas for generating passive income, because the number of users is only increasing from year to year. If you manage to create a product that is interesting to other people (and not only information is important here - its presentation, speed, importance and the like are important), then profit (mostly passive) will not be long in coming.

Method 11. Newsletter

If you have already become well established and are looking for additional sources of money, then you can turn your attention to sending out information.

A good project always has enough readers and subscribers who don’t want to miss a single update (an interesting photo, article, news or something else). It would be a sin not to give them this opportunity by sending out interesting new materials, for example, by email or to a social network account.

How is income generated here? In addition to the actual information that is interesting to the reader, you can add advertising, referral links, and anything else that advertisers are willing to pay for in your messages. Since messages are almost always read, additional information will not go unnoticed, which means such advertising will be expensive.

5. Financial independence – what is it and how to achieve it?

In conclusion, I want to talk about one issue that may not entirely correspond to the topic of the article, but that does not make it any less important. We will talk about financial independence.

What is financial independence? Personally, by this I mean complete material freedom - a person does not depend on work, he has such passive income that makes it possible to live with dignity without “active” income.

Is this real or not? Opinions are very different: someone believes that financial independence is quite achievable, and is trying to work in this direction. Some people think that such a concept is by definition utopian, which means it’s not worth even trying to do something.

Who is right? It is impossible to give a definite answer to this question. However, this does not mean that passive income is a pipe dream: as you have probably already seen, it is quite possible to achieve it if you try.

Remember at the very beginning of the article we discussed how “rich” and “poor” people differ from each other? This section is a kind of logical continuation of this topic. I want to give you some advice, following which may not lead to financial independence in the full sense of the word, but will definitely help you find the right path.

It may sound pretentious, but it’s true - a person who has no goals will never achieve anything. On the contrary, those who have goals will sooner or later achieve results.

Goals must be specific and realistic - otherwise it is unclear what needs to be achieved, and it is also unrealistic to achieve. In addition, the goal must be really important: otherwise there will be no motivation to achieve it.

Once the goal is achieved, you need to set new guidelines. Life is a movement, and one success (even a grandiose one) without development will never have any great meaning. It is better to move in small steps, but constantly, than to achieve a lot once and then stop completely.

Material values ​​are, of course, good, but what can they give later? In contrast, investments in self-development will definitely pay off - maybe not in a material way, but in some other way.

Today, it is not difficult to obtain useful information: the Internet opens up truly limitless possibilities in this area. You can, without leaving your home, listen to lectures by the most famous motivators, businessmen, investors and gain knowledge on your own.

There is no point in refusing this, citing lack of time, age or something else. Time, if there is a desire, can always be allocated, but the Russian people once brilliantly said about age: “Live forever, learn forever.”

The fundamental principle of a “rich” person is that his income is greater than his expenses.

Often people have absolutely no idea where they spend their seemingly large salaries and savings. Meanwhile, putting this matter under control couldn’t be easier: all you need is a pen and a notebook where all income and expenses will be recorded. If you are an active user of modern technology, then you can use office applications (Excel or something similar).

This simple step will allow you to quickly determine which costs you can definitely avoid and how much money you will have as a result. Excel tables (if you keep records on a computer) will also allow you to make a forecast of how much money you will have left if you live in proper saving mode for several months, a year or several years.

If expenses are still greater than income, it is worth working in a different direction - perhaps it is worth finding a new (or additional job), as well as looking for other sources of active income. Without them, in the first stages there is nowhere: passive income without active (at first) is impossible, since start-up capital is required almost everywhere.

I told you where you can make investments - now all that remains is to apply the acquired knowledge in practice.

If you do not have large enough capital, and its loss would be fatal, I recommend starting only with bank deposits. The risks here are minimal, and during the time the deposit expires, you will save up more money and be able to move on to other types of filling your investment portfolio.

As capital increases, the portfolio needs to be diversified - start using as many instruments as possible. At the same time, you don’t need to do this at random: before choosing one or another method, you should study it in detail and only then decide whether it’s worth using it or whether it’s better to look for something else.

An ideal investment portfolio will generate significant income even when the state of the largest financial markets is extremely unstable. It has a lot of tools, which means that even the complete loss of one source has virtually no effect on well-being.

6. Conclusion and conclusions + thematic video

Passive income is a real opportunity to provide yourself with a decent life right now, without experiencing dependence on relatives, the state or anyone else.

There are many ideas that you can use to start creating your own passive income. Not all of them are original, but the potential has not been fully exploited: every idea described in the article, if implemented correctly, will generate income.

One of the best places to generate income that will appear without any labor costs is the Internet. If you have a little money, knowledge and a desire to develop, then rest assured: at least one of the ways to make passive money on the Internet is a reality for you.

However, for making money without any effort to become a reality, it is not enough to implement one idea well - you need to change your consciousness. You need to treat money as a means of self-development, keep detailed records of it and spend no more than you earn. Only in this case will you become a truly financially independent person.

This concludes my review of ideas, methods and tips for passive income. If you still have any questions about the topic of the article, be sure to ask them through the comments. If you have anything to add to the article, also write to us - real experience is always valuable and interesting to users. Well, I say goodbye to you until the next interesting and useful articles!

How to create passive income - 14 working methods + 12 tips for beginning businessmen.

To answer the question: how to create passive income, you need to understand how passive income mechanisms work, how money accumulates in your account, and also what to do in order to start earning money without investing your time and effort?

Features of creating passive income and its difference from active

The main difference between passive income and active income is that it does not require investment of time and labor.

The money arrives into the account by itself.

Of course, you will have to put in some effort to ensure that the profit flows into your account, but it pays off and brings you money in the future.

Active income requires constant work, visiting the workplace and performing one’s duties.

To receive passive income, you need to perform certain actions once to receive it.

Receipts will occur over a certain period of time.

To get rich, you must have at least 1-2 sources of passive income, in addition to the main income received from a permanent job.

Many people talk about this in their books and interviews.

When creating several sources of profit, you can completely leave your work activity “to your uncle” and start your own business.

How to create passive income: 14 best ideas

Create your own website or blog on the Internet and promote it.

In this case, passive income is achieved by paying for advertising.

On average, on one site, a beginner can earn about 12,000 rubles.

But you can sell a site where the total number of visitors exceeds 5,000 people for 200-250,000.

You can not only make passive money from this, but also build a highly profitable business.

An alternative to the website is maintaining a VKontakte group.

One well-promoted group can bring the owner from 8 to 15,000 rubles per month.

What if there are five such groups?

Selling your own seminars and training courses.

This option is suitable for those who have graduated from a higher educational institution and have a diploma with the right to teach.

The most difficult thing is recruiting listeners.

However, if the topic is interesting, people will find you.

To write a book.

Income from the work "royalty" goes to the author until the book is removed from sale.

Create an intelligent product.

For example, a computer program.

By obtaining a patent for it, you can also receive regular royalties from sales.

Or a car.

Even a one-room apartment can generate income comparable to the average monthly salary of a citizen in Russia.

Renting a salon, hairdresser's place.

The average price of one seat in a salon per month is 8,000 in a small city, and in a salon – more than 20,000 rubles.

Government payments.

They can be received by disabled people, large families or people who have retired due to age.

Bank deposit.

Investing money in a bank as a deposit is not a great passive income, but for the most part allows you to save money.

However, it is still quite possible to receive not an extra 3-10 thousand per month from a large amount.

Sale of securities and mutual funds.

A good option for long-term capital investment with the aim of making a profit.

However, it must be approached very carefully.

Gather all the information about the organization in which you are investing your money.

Income from shares becomes large only after about 7 years have passed since their acquisition.

Own business.

A very good option for receiving passive income, but it requires a lot of effort and time before it starts to generate profit.

Venture investments and profits.

To receive venture capital royalties, you must invest in a newly launched company.

After a few years, you can start receiving a very substantial amount, depending on the amount of the contribution.

Investing money in investment and trust organizations.

Profit is generated through the redistribution of capital.

However, in this case there is a high risk of losing your investment.

Purchase of housing under construction and its sale after construction.

A profitable option if you have the funds to purchase one or more apartments under construction.

You will buy it for 500,000 rubles, and sell it for 1,000,000.

However, most likely, repairs will have to be made, at least cosmetic.

When choosing a developer, you should be extremely careful.

Buy housing only from reliable, well-known developers who have been working in the housing market for several years.

Finding the best option from the many existing ones is not a matter of one day.

You should carefully consider the steps, evaluate the initial capital and decide what is best suited.

Many people, thinking about how to create passive income, do not want to do anything about it.

However, in the beginning you will have to work hard in order to reap the sweet rewards in the future.

12 tips for beginning businessmen to create passive income

To become a free person in terms of finances, not to depend on the opinion and mood of the employer, you will have to work hard.

You are always looking for the best option for investing and starting a business.

Look for new assets that will later turn into liabilities.

• To become a wealthy person, strive to create several sources of passive income.
• Improve your financial literacy.

Be an educated person, read books, attend courses and lectures.

Live the life that rich people lead.

Before investing, study all options, do not invest money at random.

Always have on hand the necessary documents confirming your investment in a company or bank.

• Break your cash capital into several parts and invest in different projects.

Calculate the risks of losing your invested money.

If the risks are minimal, take the risk.

However, if intuition and common sense scream that the investment is not worth making, stop, no matter how profitable the offer may seem.

Think about your future every day.

Decide what you want to achieve.

Open your website on the Internet and develop it.

If there is a lack of capital, the site can be sold for a good amount of money.

• Find a mentor or coach who has already walked your path and can give you some ideas.
• Be prepared for the fact that to create good passive income you will have to work for some time, invest not only money, but also time and effort.

Don't try everything at once.

Focus on one project, and when you finish it, try another.

By focusing on several projects at once, you can get confused and lose your investments.

How to create passive income on the Internet?

Organizing your own financial project is a great way to create passive income.

You can open a business both in real life and on the Internet.

If there is no initial capital, or it is relatively small, the option of creating a business on the Internet is preferable.

Choose the business that you are best at.

This could be website creation, group administration on social networks, copywriting, Forex trading.

To start trading on the Forex exchange, you need to undergo a month of training and conclude several trial transactions.

At the initial stage, invest the minimum amount and develop.

Robert Kiyosaki talks about how to create passive income in the video:

How to create passive income and gain financial freedom?

In books on self-development, achieving success and wealth, millionaires give advice on achieving financial freedom.

We have selected the best ideas:

To avoid remaining poor throughout your life, find time to create passive income, even while working your day job.

In a month or a year, these efforts will more than pay off.

Always strive to create as many sources of passive income as possible.

When you make a profit, invest it again.

Develop yourself.

Financial literacy is a prerequisite for those who want to get rich.

Start by at least reading books by the world's millionaires and billionaires and follow their advice.

People who think about how to create passive income, are already a step above the rest.

Move forward, apply the recommendations we have described and become a millionaire.

• Why do you need personal income tax certificate 2 and how to fill it out?
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I am glad to welcome the readers of our portal! Oleg Zolotarev is with you. Today we’ll talk about the now popular phrase “passive income”. Many people dream about it, because it’s very cool, you see, to do nothing and get paid for it. But is this really so? What is passive income, what activities can be attributed to it, as well as what time, material and physical costs are behind it, we will look at it in today’s article.

Passive income: a general concept!

Each of us roughly understands the meaning of the category of “passive income”, because already in the phrase itself there is a clue. Passivity means inaction. This means that income received in this way does not imply an active labor process on the part of the person. Thus:

Passive income is receiving rewards with some frequency without the need for daily work.

It’s safe to say that building a reliable base that will provide its owner with good passive income is the highest level of financial independence. This is the bar that everyone should strive for, because it is then that a person will be able to feel complete freedom, enjoy life, have enough time and money to realize their plans and make their desires come true.

Unfortunately, not all types of passive income can provide such freedom. Most often, available sources, such as bank deposits or real estate rent, bring the owner a stable increase in basic income. However, there is no need to talk about living luxuriously solely on these cash receipts.

Of course, there are exceptions here too. Among my friends there are people who at one time acquired a dozen apartments in Moscow and now successfully rent them out and receive their considerable passive income. However, there are not many such people. The same applies to the situation with bank deposits. Considering the low percentage of profitability (about 10% per annum), how much money should you own in order to live comfortably on interest alone? In this case, it makes more sense to invest free money in more profitable projects. I have already described the available alternatives in the article Where to invest money in 2016 so as not to lose? Expert advice and personal recommendations!

In addition to the above sources of passive income, you can also highlight:

securities, patents for certain inventions, software products or creative objects, trust management of your own assets in business or financial markets, passive income on the Internet in the form of your own portal, affiliate programs.

Passive income requires an initial investment! Where can I get them?

Whatever the source of passive income, there is one common feature for each of them - the presence of initial capital. It is impossible to achieve complete financial independence without initial investments. To receive interest on a deposit you need to have this same deposit. To buy a security, you need money. To build your own business, and subsequently simply control its activities, you need a lot of money. To write a book, make a film, or come up with an invention, and subsequently acquire copyright, you also need financial resources.

However, what should a person who does not have the necessary financial layer do, forget about his dream of having passive income? Of course not! Now you can just look at the screenshot of my screen and see the amount of money indicated in the corner:

I can freely manage this money: I can spend it, or I can make it a source of passive income. However, friends, this figure did not appear out of nowhere. This is the result of my long work in financial markets using a modern investment method - binary options. Right now I suggest you watch a short video about them:

I have been trading binary options for several years. This method of income gradually turned from an interesting hobby to the main source of income. I’ll ask the skeptics to calm down their negativity now. Our portal exists only because other people need it. No one is forcing anyone to start trading binary options right away. It simply shows an alternative that, with the right approach, will help a person with a minimum starting amount and a great desire to earn decent money, which can later serve as a platform for passive income.

Actually, my interest in this source of income arose when I became acquainted with the Pamm-Trade portal. While I was learning to trade, so to speak, improving professionally, the portal itself was changing along with me. Now there is simply a huge amount of information collected here regarding trading binary options and Forex. I started with fairly simple trading strategies and a deposit of $250.

What helped me succeed and multiply my investments? Firstly, I am by nature a person who likes to see things through to the end. I don't stop because of minor failures. On the contrary, they encourage me to move forward even more. Secondly, before I start anything, I study the information thoroughly. I am absolutely sure that knowledge is the weapon that, sooner or later, will allow you to take the long-awaited shot in the top ten. It was the same for me. And much of this is due to the PAMM-Trade portal and its founder Viktor Samoilov.

I received most of my theoretical training on this portal. Now it's much easier for beginners. Every day more and more detailed manuals appear, which describe every step of a novice trader. The most detailed work on the Internet, after reading which you will know everything about binary options - this is, of course,

An equally informative, but more compact source that clearly and consistently outlines the steps in trading is this article. Actually, it is from here that I would advise you to get acquainted with the functioning of this modern investment instrument. And to understand all the nuances and subtleties, refer to the first indicated source. There you will definitely find answers to all your questions.

You can rent out housing in any condition: renovated, without renovation, for a long period or daily - the differences will only be in the amount of future passive income. But the fact that there is always demand for rental housing is 100%. Now you don’t even need to worry about looking for tenants. Agencies and private realtors have so flooded the market that they will gladly and completely free of charge take on the task of finding guests for you. In most cases, the service fee is paid by the tenant.

Of course, the better the apartment, the higher the passive income you can receive. Location and proximity to transport interchanges also play a role. Prices for renting an apartment in the city center and in the periphery with identical conditions may differ by 1.5-2 times. Renting housing in a resort town may generally be the only and sufficient source of income.

Regarding whether to rent out housing for a long period of time or daily, here you need to take into account one nuance: how much free time do you have to engage in daily rental? Naturally, earnings with this type of rental will be much higher, but so will the risks and personal time costs. And we are not even talking about the landlord independently searching for clients, placing them and other organizational issues. You will need to invest money and time in daily housing more often: change something, repair something, perhaps even listen to neighbors’ complaints. There will be many questions and they will arise often, because the audience for such rentals can be very diverse; 50% of tenants will, to put it mildly, be dishonest people.

Regarding long-term rentals, here passive income is provided in its pure form. I remember when I rented an apartment, communication with the owner was minimal. Over the 5 years of living, I saw him only a couple of times, I transferred the monthly payment to a bank card, if something became unusable, I repaired it myself and included it in the cost of future rent. If you try to find decent tenants for a long time, with whom there will subsequently be no problems with payment or damage to property, then this will be a good supplement to your basic income for many years with your minimal participation. And if there are several such properties, then, of course, you can live peacefully only on this passive income.

Option #2: Passive income from business!

This type of passive income is also possible, but the most important problem that you will have to face is the selection of management personnel. After all, the operation of your business, and therefore the size of your dividends, will depend on it.

Now there will be no question of building your business from scratch and putting it in trust. If anyone doesn’t know what the essence of this term is, then it is described in detail in the article.” I am 100% sure and have repeatedly seen how owners treat the business they built with their own hands. This attitude cannot be called anything other than towards one’s own brainchild. What parent would give their child to another family? Therefore, businessmen who started from scratch and invested a lot of effort and time into a company that operates successfully in the market will never voluntarily give it into the hands of another owner. Only forced life situations can prompt you to do this.

It’s another matter if you decide to purchase a ready-made business, but have no desire or time to engage in it. In this case, you, as the owner, will receive your passive income in the form of dividends and occasionally monitor the state of affairs. However, here you need to be aware: if you have little understanding of the specifics of the activity, then it will not be difficult for the current management to deceive you. Even if the imprisoned person enjoys great trust, is a relative or friend, sooner or later he may succumb to ordinary human vices - greed and thirst for power. In such delegation of managerial powers there is a huge risk that you will be deceived and robbed. You will either have to come to terms with this, or devote more time to control, or take the reins into your own hands. The last option, of course, has nothing to do with the concept of “passive income”.

Option #3: Copyright and passive income!

Write a bestseller, create a hit song, come up with a useful invention - all this can become a source of passive income. However, how many people are capable of this? But the fact remains: such a method exists, which means I had to mention it in my list.

As they say, a stick shoots once a year. Joanne Rowling, a world-famous writer thanks to her fantasy novel “Harry Potter,” working as a secretary-translator and living for some time on one allowance, also could not imagine that within five years after the release of her book she would turn into a multimillionaire.

In fact, there are many such examples that can be given. Did you know that Margaret Mitchell, the author of the bestselling world literature book Gone with the Wind, wrote only this one novel in her entire life, which subsequently brought her and her family large fees? The book sold millions of copies, and the first film adaptation of the work added another 50 thousand dollars to Mitchell’s piggy bank. After the death of the writer herself, the copyright to the work was distributed among her nephews.

Of course, it takes a lot of talent to create something like this. It rarely happens that one work will be the only source of income for many generations. More often than not, authorship requires ongoing follow-up work. We wrote a book, published it, and then we need to advertise it. When public interest wanes, you need to come up with something new. Only in this case will income be maintained at the proper level. Not every musical group becomes as good as the Beatles, and not every literary work becomes a bestseller.

Regarding the legislation in Russia regarding copyright, it is valid during the life of the author himself and the next 50 years after his death.

Option #4: Passive Income from Software!

In essence, this is the same authorship, only in the field of IT technology and programming. If you have any innovative ideas in this area, then passive income is guaranteed for you for some time. You are unlikely to become the next Bill Gates, although... For example, you know how to program for iOS and have created some necessary application for the iPhone, which is so popular today, or have come up with another interesting game for the VKontakte social network. Who knows, maybe your development will become another hit. Could the Twitter developers have imagined that this simple software solution would gain such enormous popularity?

Or another option without authorship is to buy a server and provide paid hosting services. But then you need to take care of technical support. If you wanted to do this yourself, then lying on the couch will not work; you will have to answer numerous calls from users.

You can try to become an Internet provider. However, it only seems that it is worth buying the necessary equipment once, connecting it, and then receiving passive income for many years. In fact, the difficulties lie not so much in the purchase of expensive equipment (about 3 million rubles will be needed), but in numerous organizational issues, for example, registering a legal entity, obtaining licenses, and passing examinations. All these are also additional costs. Subsequently, the same technical support, workers for installation and connection, personnel supervision, etc. are needed. In general, lying on a sun lounger by the ocean with a mojito is unlikely to happen.

Option #5: Passive income from a blog!

Thematic blogs have now become very popular. The most popular topics among readers are finance, business, health, sports, etc. The point of a blog is to provide useful and interesting information to visitors, and in return to receive income from contextual advertising or affiliate programs. Of course, there are many pitfalls in this area. Creating a website is the easiest task of all ahead on this path. Then it will need to be constantly filled with high-quality and unique content. Of course, you can do this yourself, but this activity will take up a lot of time. It’s easier to use the services of professional copywriters.

The advantage of article promotion over paid advertising in search engines is that the article will not disappear without a trace. You pay for it, post it on your blog, and it will be your long-lasting asset, which will later bring in a lot of traffic. In addition, you will need to actively engage in promotion. Nobody wants a blog that ranks number 100 in search engines. In addition to SEO-optimized content, you will need to buy links, post articles on third-party resources, work on social networks, etc. That is, the work will be difficult and painstaking. Especially if the portal is created from scratch, in the first half of the year it’s hardly worth dreaming of TOP positions.

However, as soon as you manage to move the huge machine, it will begin to move by inertia; you will only need to push it slightly. When your blog has a sufficient number of visitors (preferably at least 1000 per day), you can connect contextual advertising and earn money on every click. Subsequently, you will not be as active on the site as at the beginning. But I would not dare to call such income absolutely passive. You will have to constantly maintain traffic: write new articles, improve usability, and attract the attention of visitors. Without all this, your portal will very soon be lost among more active competitors.

Option #6: Passive income through mutual funds.

A mutual investment fund (MUIF) is a pool of funds of individual investors (shareholders), which are managed by professional portfolio managers, investing them in securities (mainly stocks and bonds), precious metals, real estate and other assets.

Simply put, you entrust your money to the management company so that it works effectively. Not every person has the knowledge of how financial markets work or the time to acquire it. However, there are people who have such knowledge, they become the organizers of such funds, collect money from a group of people, invest it in various assets and ultimately make money from it. You, as a member of the fund, also receive your share of the profits.

In Russia, the activities of mutual funds are strictly regulated by law, which is a significant advantage for investors.

In world practice, such funds appeared a long time ago, back in the 70s of the 20th century. However, in Russia, mutual funds were first formed in 1996, but at that time they did not gain much popularity. Russians began actively trusting their money to these funds in 2003.

The shareholder's income is the difference between the initial cost of the investment and the amount he will receive after selling the entire share or part of it. We must not forget that the fund is managed by professionals - portfolio managers, who, through asset diversification, reduce the risk of losses to a minimum.

It is often thought that shareholders also receive dividends, but this is not the case.

Mutual funds do not have any interest, dividends or other payments. Each participant receives his income only when he sells his share (share).

Passive income from mutual funds: advantages.

What mutual funds give the investor:
1. The opportunity to enter the investment market even with a small amount of money due to the fact that the fund accumulates large capital from private contributions.
2. Do not participate in money management yourself, but entrust this to professional managers who understand not only what assets should or should not be included in the portfolio, but can also quickly respond to changes in market conditions and change portfolio assets in a timely manner.
3. Low risk of financial losses due to diversification of assets and timely response to the market situation by investors.
4. The opportunity at any time to purchase additional shares, sell them, transfer them by inheritance or make them collateral.
5. Higher profitability compared to bank deposits (it can reach 100% per annum and higher).
6. Lower commission costs for a brokerage company compared to if a person acted independently as an investor.
7. Confidence that the fund will not simply disappear like many investment projects. The state regulates the activities of mutual funds at the legislative level. To prevent abuse of depositors' funds, the money is separated from the management company. They are stored in a special depository, which also performs control functions. You can't just write money off your account. The depositary can block money at any time if it suspects any fraudulent activity. In addition, there are also supreme regulatory bodies - the Federal Service for Financial Markets and the State Tax Service.

Disadvantages of investing in mutual funds!

Of course, there are some disadvantages of mutual funds:
1. Risk of loss of invested funds. If the portfolio's profitability falls, the shareholder is not guaranteed a return even of the initially invested amount, not to mention profit.
2. Unknown return on investment. If, with a bank deposit, you know exactly how much money you will receive upon expiration, then in this case the mutual fund does not have the right to announce possible profitability.
3. Income from the sale of a share is subject to income tax at a rate of 13% for residents of the Russian Federation and 30% for non-residents.

Option #7: Classic passive income - bank deposit!

A bank deposit is the placement of temporarily free funds of a depositor in a savings account in a bank to preserve and increase funds on demand or for a certain period specified in the agreement.

If investments in mutual funds or binary options are more innovative methods of money management, then a deposit in a bank is the most well-known and common way to receive passive income. Everyone knows about it, and most people use this method, despite its low profitability, which can sometimes only cover the existing level of inflation.

A bank deposit in money or precious metals cannot be called an effective method of investment; it is rather a method of preserving one’s funds. Passive income from such investments will be insignificant.

Option #8: Trust management in financial markets!

You can trust your money to be managed by professionals not only with the help of mutual funds, but also with traders on stock exchanges. Moreover, this can be both the over-the-counter market and very real transactions, for example, on the American stock market or on the Moscow Exchange. The fact is that if in the case of mutual funds you do not risk being deceived, since its activities are regulated at the state level, then in all other cases no one will give you any guarantees.

Now any binary options or Forex broker will offer you a trust management service, but in less than a month your money will go down the drain. This is natural, because the broker is not interested in his own ruin. However, in the case of real trading, for example, in stocks or indices, trust management may well become a mutually beneficial cooperation between an investor and a trader, because they often divide profits and losses in half, so everyone is interested in making a profit.

But the difficulty of entering the same New York Stock Exchange is that here you will not be limited to the initial amount of $200-300. For a trader to be able to effectively work with exchange assets, a minimum of $25,000 is required. And of course, no one can guarantee you a stable passive income, because speculation in financial markets is, first of all, high risks. Even super professionals cannot reduce them all to zero.

Option #9: Participation in affiliate programs and passive income from it!

The affiliate program implies your participation in increasing conversions (sale of services or products, registration, click, filling out a questionnaire or other other action), for which you will receive an appropriate reward in the form of a percentage.

Affiliate programs are similar to network marketing, however, if an MLM business requires your constant activity, then in the case of an affiliate program this may not be the case.

Let me give you a simple example: once upon a time, I worked part-time at a copywriting exchange and became a participant in the affiliate program. I had my own referral link, through which the system identified all my attracted people: it doesn’t matter whether it was the author or the customer. When his account was replenished, a certain amount of money came to my account - a percentage of the client’s replenishment. At the same time, I myself stopped working on the stock exchange a long time ago, and the money kept dripping in.

Such programs are now ubiquitous on the Internet. They are single- and multi-level. Naturally, the second option is more interesting, because then you receive passive income from a whole chain of attracted people.

It is believed that the largest affiliate reward (up to 25%) is offered for various information products - courses, online training, master classes, etc. On affiliate hosting you can get from 10 to 20%.

It’s very good if you have your own website, then it’s easier to make money from an affiliate program. However, even without one, you can distribute affiliate links in many ways, for example through social networks, forums, and mailing lists.

Conclusions.

Friends, today we looked at various ways you can get passive income these days. What conclusion can be drawn from all that has been said? In the classical sense, it is rarely present anywhere. Almost everywhere you will be required to participate and do some activity. Of course, passive income is not a myth. But in order to be able, without doing anything, to receive not pitiful pennies in the form of interest on a savings deposit, but decent income, you need to try very hard. You must have either good initial capital, or a profitable operating business, or an advanced Internet resource.

Trading binary options for several years now, I have managed to amass a good capital, but in the near future I do not plan to make passive income out of it, I am used to constantly acting and actively investing, and most importantly, getting a great buzz from this activity! After all, as you know, movement is life. And in my deep conviction, only its dynamic rhythm is the only true one that exists!

To sell something you don’t need, you must first buy something you don’t need, and you don’t have the money. Passive income means receiving 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 constant and stable profits, you need to work quite hard, think, and actively invest in the business. However, in any case, a correctly constructed passive profit scheme will “recoup” all previously invested funds.

Financial investments are the best passive income

Financial investments 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 ideas for a business with passive income. This type of business is simple - invest money and make a profit. However, this simplicity also brings with it disadvantages - financial investments are a highly risky type of business, in addition to risks, passive income directly depends on the funds invested and their amount, so 10 dollars will not bring 1000 dollars in a month (unless, of course, you want to get an honest and stable income).

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

But, nevertheless, author’s development can cost money and generate passive income. We are not talking about creating a musical hit, a movie or something similar. Although, if you know how to do this... We will talk about copyrights for a computer program, information business or photography.

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

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

Read also:

Photo. Whether you have a talent for photography or not, but having learned it, you can sell copyright photographs many times through special exchanges. These can be thematic photographs - look at photo banks with desktop wallpapers, event photographs - news, etc., and spontaneous photographs - natural events.

Many news projects, publishing houses and other writers are willing to pay for a good photograph to accompany their material.

Hello, dear readers and subscribers of my blog about finance. Today we will talk about what types of passive income actually work in Russia, consider the original ones, and deal with the question: in the conditions of the rapidly changing Russian market. Based on experience, I will say that there are a great many options for additional income. Read about what passive income is in a separate thematic article. My goal is to help you make a choice in favor of the right one just for you way to earn passive income. I won't beat around the bush and get straight to the point.

Ways to earn passive income

First and the simplest option for solving the issue of passive income is receiving government payments. If you consider yourself to be one of the socially disoriented citizens and do not have enough means of subsistence, contact a specialized regional service and write a corresponding statement. The state provides financial assistance to disabled people, large families, and pensioners under the heading of one-time or permanent compensation payments. Why not? Many people have no idea about the possibility of receiving compensation payments. Meanwhile, a person has the right to count on receiving preferential conditions when buying an apartment, pension or disability payments.

Second a way of earning money that brings in good extra money in addition to the salary of an ordinary clerk - bank deposit. Storing funds in a depository account is the safest way to increase existing savings, which does not require any knowledge, experience, or skills from the owner. In one of the previous articles, I already talked about the myriad of banks that now operate on the territory of the Russian Federation and each puts forward interesting offers to the consumer.

Advantages of a depository deposit:

• simple and clear procedure for opening an account;
• attractive conditions in the form of interest with capitalization;
• receiving a guaranteed amount of money upon expiration.

The question arises: how much can you really earn on a deposit? As strange and surprising as it may seem, it is practically not at all. The deposit is attractive because saves rather than multiplies funds deposited in a bank account. Economists understand perfectly what I mean. Inflation- this is the other side of the deposit, which is a good, but far from the best type of passive income. A deposit, as a passive income for a retired person, is a soft cushion and a source of money for unexpected expenses, but not for a businessman who wants to climb to the top step of the life pyramid and stop depending on money.

Rent

Continuing to describe the types and sources of income, I’ll move on to the favorite option of my realtor friends - passive income from real estate rental. By renting out even the simplest one-room apartment, my former classmates received a fairly decent increase in their salaries. Not everyone knows that you can rent out not only housing, but also everything that has material value: a car, construction, industrial equipment, retail space and even things. In practice, investing in residential and commercial real estate in Russia brings less income than purchasing and renting industrial equipment.

In our country, there are types of activities in which entrepreneurs buy construction equipment and make money on it through rental. You will be surprised, but renting a professional construction hammer drill, which costs 30,000 rubles, costs tenants 1000 rubles per day.
A simple mathematical calculation will help you understand how much money you can get from equipment simply by renting it out. The advantage of this area of ​​activity is quick payback, as a rule, not exceeding thirty calendar days. It is not difficult to make money by renting out real estate, but this type of business requires a high level of commitment in time and moral terms from the applicant.

Currency market

PAMM accounts- this is trading on the foreign exchange market performed by a trader; the investor invests his money in his trading account and receives a percentage of the profit on average in a 50/50 ratio: 50% profit for the investor, 50% trader. If a drawdown occurs, the loss will be distributed in the same ratio.

Advantages of PAMMs– average yield 40%/year, 4 times more than a bank deposit. Minuses: with such profitability there may be losses of an average of 15%/year. WITH mutual funds, of which, the situation is approximately the same, only the ratios are 2 times smaller: 25% - income and 10% - the possibility of loss. No one will give you exact guaranteed figures on income and loss indicators. You need to understand the topic in order to choose worthy accounts or funds and not burn out in this matter.

As an investor, it is difficult for me to classify this type of activity as passive income. By investing your money in this instrument, you receive speculative income, while at the same time exposing yourself to risk. A PAMM account provides for the transfer of money to a qualified specialist for management, which gives a good profit, but with a fairly high level of risk.

Along with PAMM accounts, there are other forms of passive income related to the trust management of money: less risky, averagely profitable, more reliable. If you are not attracted to this type of income or you are just planning to start as a novice businessman, check out the rating of brokers and companies specializing in trust management, putting forward proposals up to 20% per year. In my opinion, this is the best option for beginners who are interested in stable, safe income.

Another option for fast but risky passive income is personal trading of assets on the currency or stock exchange. Find out in detail about the speculative activities of a trader in the Forex market. As an experienced investor, I note that this type of income has pros and cons, which I outlined in one of my previous articles. I do not work on the foreign exchange market, preferring the stock market as a high-yield investment activity.

Network Marketing and MLM

This type of business has a minimum list of requirements for those who start it. To enter the market where MLM companies operate in Russia, it is enough to have one hundred dollars and a lot of free time. An important requirement for those who plan to start distributing products based on the network marketing principle is presence of organizational skills. If you have experience communicating with people, know how to negotiate, your sales skills and convincing people of what you need are at a good level, and in addition to this you have a lot of free time, a network business is what you need.

My acquaintances, who have a rare talent for finding a common language with people they are unfamiliar with, have received a salary increase of five hundred dollars. The main thing in searching and choosing the vector of network entrepreneurship is not to fall for the bait of scammers who are the creators of a financial pyramid, carefully disguised as an enterprise engaged in network sales. I will definitely talk about this in one of the following articles. Next, I offer a brief excursion into the topic. investing in business, covering a fairly wide range of areas of passive entrepreneurial activity with a good level of earnings.

Business courses and specialized knowledge

A good type of passive income - creating a business course on a topic in which you understand better than your friends, colleagues and acquaintances. Particularly attractive are courses on business topics in which you are not just an expert, but also have impressive practical experience with evidence of results. How to understand where you are an expert and where you are not? Very simple. Analyze, find out and compile the main sources of income for your family. How much money do you use to buy food, household appliances, and basic necessities for your family? You yourself will not notice how the finished business will appear before your eyes on a silver platter.

Are you knowledgeable about architectural design or art? Amazing! Create your own course for those who don’t want to pore over thick college textbooks. Write step-by-step instructions, shoot, edit a video with a training course. Do you know about the secrets of the profession? Share them on your Yotube channel. Sell ​​yourself, your experience, the information that you possess perfectly. Fortunately, you have all the means for this. The only difficulty in solving this issue is the distribution of training materials, but it is not for me to teach you here.

Internet business

A great option for passive income - creating your own website or blog. This may seem surprising to you, but there are millions of dollars circulating on the global web. You just need a little money to start, perseverance and a responsible attitude to work. I will briefly remind you about the options for making money on a blog.

The most promising types of income on the Internet

• accommodation on your own website contextual advertising, banners;
• participation in various affiliate programs, searching and attracting clients;
• management of advertising projects with receiving income from an increase in the number of unique people;
• sale of own media products, video courses, audio books, teaching aids.

Establishing, promoting and running your own business projects is always profitable, because you work for yourself. Opening a company, agency or large enterprise today is not difficult. The legislation is structured in such a way that Almost anyone can become an entrepreneur. There are a great many options for earning money, as I already said. For example, you can take the purchase/sale of individual units of goods, the provision of services in a certain area, the distribution of products on the principle of network marketing. On your own website, you can advertise the product you are promoting, thereby killing two birds with one stone.

Passive income without investments: myth or reality

To everyone I talked to about making a side income, the idea of ​​starting a business without a down payment seemed crazy. Meanwhile, having small financial sources of your own for investment, you can start a business from scratch. In order not to confuse you with unnecessary phrases and simply dispel the myth, I will give the example of an outstanding American entrepreneur John Stith, who created the most popular and best-selling drink in the world " Coca Cola».
Few people know, but the guy started with ten cents in my pocket, for which he bought a recipe for an unknown drink consisting of twelve herbs. Today, a product called “Cola” does not need advertising or introduction. You can start earning money without investment. The main thing is to have desire, a little enterprise and a little money.

Where can I get money to develop a source of passive income?

This question worries every novice businessman and investor today, especially among those who do not believe in fairy tales about business from scratch. If you agree with these people and think that starting a business from scratch is a fairy tale, listen to the following recommendations.

There are two options for resolving this issue:

• increase income;
• reduce costs.

How to increase income?

The conversation is not about finding a second job or part-time job, which is also not bad, but about creating passive income using tools that seem completely unsuitable for this. Do some general cleaning put up for sale everything you don't need, for example, a coffee table that has long been dusty or an old fan that the air conditioner has pushed onto the balcony. Believe me, you will be surprised when you find out how much money is scattered around your apartment and is simply gathering dust, taking up extra space.

How to cut costs?

“Economy must be economical,” said one wise man. There are so many options for saving money that if I were to list them, it would require a whole thematic article. Reducing expenses is easier than increasing income, I say this with confidence, supported by personal experience.

Participating in sales, using discount coupons, purchasing food products in bulk, replacing all light bulbs with energy-saving analogues - this is not a complete list. Do you love beer and don't want to give it up? Reduce the number of bottles you drink on your day off. It's the same with smoking. A trivial analysis of the system of income and expenses means real savings and a transition to a new level of business management.

Instead of a conclusion

Well, that's all, dear friends. In conclusion, based on experience, I would like to recommend that you completely give up, even though it is difficult, bad habits: smoking, alcohol, gambling, slot machines. Sell ​​unnecessary junk that has accumulated in your apartment. By reducing expenses and increasing income, you will climb the entrepreneurial ladder faster than you expected and before you know it, you will find yourself at the peak of financial freedom. Good luck!

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