What business brings good income. Windshield repair

Profitability is main indicator which can be used to characterize the state of the business. It is usually calculated as a percentage. The higher the number, the more profitable the enterprise. In addition, this means that all your initial investments will pay off in the shortest possible time. Let's look at a few examples of profitable businesses for 2018.

Fast food

Looking for profitable business ideas? Let's take a closer look at the area fast food. In network establishments, one cup of coffee costs about 160 rubles. The ingredients that are used to make this drink cost 10 rubles. In a small cafe, about 100 cups are bought per day, respectively, the owners of such a business earn up to 10 million rubles a year selling coffee. If you are wondering which business is profitable in 2018, pay special attention to street trading food and drinks.

Pawnshops

This is the most profitable business in 2018. Issuing loans secured by property brings huge profits. In some pawnshops, the monthly interest rate reaches 20%, which means that 240% accumulates in a year. Such profitability cannot be achieved by any bank or any other financial institution.

This type of business pays off in the shortest possible time. The demand for such services during the crisis begins to grow, so pawnshops bring excellent income in any economic conditions. attract many aspiring entrepreneurs, so if you decide to open a pawnshop, hurry up, otherwise newcomers will take your place in the market.

Tennis courts

Tennis fans pay 700-4000 rubles per hour to play on the court. The price of the service largely depends on the location of the tennis court, the quality of its coverage and the range of services. Demand in this market segment is constantly growing, so in Lately it significantly exceeds the offer. If you want to open the most profitable small business, try your hand at this area.

To quickly return the initial investment, you need to build an indoor court that will be profitable, regardless of weather conditions. Do not invest a lot of money in construction capital building. At first, you can build a temporary structure. To increase the profitability of the enterprise, open a small cafe near the court, rent sports equipment or organize training courses for beginners.

Examination of antiques

Recently, many fakes of antiquities have appeared on the market. The copies are made of such high quality that even experienced museum experts cannot distinguish them from the original. ? This question worries many of our compatriots. Buying antiques is a good long-term investment, but many people are afraid to invest in antiques because they doubt their authenticity. Therefore, many private companies began to offer customers professional services according to antiques. The income of these organizations is about 100% per annum. To organize such a business, you need to be well versed in antique items or hire experienced appraisers.

Private kindergarten

If you want to organize a profitable small business in Russia, open a private Kindergarten. In our country, there are already many more such institutions than state ones. The monthly fee for a child attending a kindergarten is 10,000–20,000 rubles. Accordingly, a group of 30 children will bring 300-600 thousand rubles. If we subtract the cost of food, salaries to staff and rent of premises, there will be approximately 150-300 thousand rubles of net profit. In addition, parents pay an initial contribution of 25-30 thousand rubles. In some private preschool institutions this fee is charged annually.

This business has a fast payback. However, it does not require large financial investments. At the start, you will need a certain amount to buy furniture, toys and decoration permits. According to experts, the profitability of this business reaches 100% per year. must be in demand and profitable. A private kindergarten fully meets all these requirements.

Chinchilla breeding

This is one of the most promising types of profitable small business. Any person who does not have experience in the field of fur farming can organize such a business. Beginners can organize a small fur farm at home, since chinchillas do not require special conditions content and do not emit any unpleasant odors. Since they are herbivores, they do not require much start-up capital. The profitability of an average fur farm for breeding chinchillas can reach 300%.

Finished products are sold in bulk to intermediaries who buy fur and resell it at auctions to large enterprises specializing in tailoring. fur products. For one skin, you can get 40-60 dollars. To earn additional income, you can sell breeding chinchillas to other breeders. , you decide. And yet, pay special attention to this profitable and very interesting line of business.

Growing greenery

Such a profitable business minimum investment can be organized by anyone, regardless of age and education. Grow onions, parsley, dill and other herbs and sell them on the market. In winter, from a greenhouse with an area of ​​​​5 acres, you can receive 25-30 thousand rubles a month.

The profitability of such a business can be increased by reducing costs. For example, you can use stove heating instead of gas. can be easily implemented at home. The most important thing is your hard work and patience.

shoe shine

With the right approach, they can bring good profits. One of them is shoe polish. Many people believe that this is not a very pleasant occupation, since in the past only poor people who could not feed their families were engaged in such a business.

But in our time, everything has changed and now no one cleans shoes manually. In order to open such a profitable business in a crisis, you need a small room and special equipment. The cost of one cleaning is $3. If you serve 25 people per day, the monthly revenue will be 2-2.5 thousand dollars. Such a business pays off in 5-6 months. Its profitability reaches 50%. If you cannot understand which business is profitable during a crisis, you can safely adopt this business idea.

Freelance

Which can be implemented on the Internet without leaving home, are simply endless.

Here you can do whatever you want:

• Text translation from foreign languages;
• web design;
• Seo promotion;
• blogging;
• Copywriting and more.

This question worries many citizens of our country. In fact, everything is very simple. If you have any specific skills, register on one of the freelance exchanges and offer your services. To receive good orders need to make a portfolio. These are, of course, trifles, but they need to be paid special attention. At first, you can complete inexpensive tasks to increase your rating and get positive feedback. Over time, you will have regular customers who will provide you with work. Nowadays, the most profitable types of business can be found on the Internet, since working on the network does not require large investments and at the same time brings a good stable income.

Self-leveling floors

Among the most profitable types of small business, I would like to single out the production of self-leveling designer floors. Such direction entrepreneurial activity appeared in our country relatively recently, so there is still no high level of competition in this area. If you are an enterprising person with creative abilities, this is a great opportunity to show your talent to the whole country.

At the start, you do not need to cover all areas of this area of ​​\u200b\u200bactivity. Start by developing designer floors for office space. This is the most profitable business in small town. If things go well, other areas can be introduced into the work, for example, floors for country houses, apartments or public spaces. based on innovative technologies, bring huge profits, so if you have the opportunity to do floor design, you should not miss this opportunity.

Mediation

When answering the question of which business is the most profitable now in Russia, experts primarily single out mediation. Such a business idea is suitable for people who want to earn extra income without leaving their main place of work.

The essence of this business is that you bring the customer to the contractor and receive a certain fee for this. Let's take this business idea as an example. construction company. For the performance of repair or construction work, the master receives a certain amount. Part of the profit is taken by the company that offered the master this job. The scheme of work is very simple - you find qualified employees, advertise on the Internet and in the press and wait for the client to call. One master earns 10-12 thousand rubles a week. If you hire 8-10 employees and provide them with orders, you can make a good profit. This is the most profitable business out of all other fields of activity, since it does not require any cash investments.

Production of disposable tableware

Interested in what business is the most profitable in Russia? Every year in our country, disposable tableware worth 60 million dollars is produced. Half of the total volume of this production is sold in the capital. Manufacturers of disposable products make huge profits from sales. This is one of the most profitable types of small business.

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In order to open such an enterprise, you need a production facility and special equipment. Initial investment will pay for itself in just a year of work. The profitability of the production of disposable plastic tableware reaches 70%. for the manufacture of disposable tableware or not, it's up to you. Experts believe that the crisis is a time of great opportunities for business start-ups, so if you start your business right now, in just a year it will turn into a prosperous, highly profitable enterprise.

Restoration of old furniture

may be very different. Recently, such a line of activity as the restoration and hauling of old furniture has become very popular. High-quality sofas and armchairs are not cheap, so many citizens cannot afford to buy new furniture. To freshen up the interior a bit, they rent upholstered furniture to the workshop for restoration. You can do this work at home, for example, in your own garage or do work at the client's home. All you need for work is a stapler, screwdriver, electric jigsaw and a sewing machine. In addition, it is desirable to have your own freight car for transporting furniture. If you can’t figure out which business is the most profitable in our time, you should pay special attention to this area of ​​\u200b\u200bactivity.

Hello dear readers. Today we’ll talk about business during the 2019 crisis and share a small selection of relevant business ideas in an unstable time of crisis. If you have your own ideas, we are waiting for them in the comments below the article.

What to open a business in a crisis

This is probably main question for everyone who wants to earn money during the crisis. Let's see what successful entrepreneurs have to say about it.

Founder and owner of Tinkoff Bank.

According to Oleg Tinkov, in times of crisis, special attention should be paid to the medical field and everything connected with it. With a reasonable approach, startups that are focused on the production of dietary supplements, medicines, equipment for clinics and pharmacy chains can be profitable. Little competition and growing demand creates ideal conditions for private medical institutions and the hospital sector.

In the absence of large initial investments, Oleg Tinkov advises to pay attention to the promising market for the development of applications for gadgets and online consulting. The businessman rightly believes that Russia is noticeably behind many world developments in the field of medicine and care for them by 15–20 years, and there are a lot of opportunities for copying for newcomers.

A good income in the future can be provided by investments in medical development and R&D. The only problem is the high cost and long payback period of such business projects, and in Russia they are not used to doing this.

Founder and owner of companies such as Dymovskoye Sausage Production, Suzdal Ceramics, Respublika (a chain of bookstores) and Rubezh (cafes and restaurants).

Network owner famous companies believes that in these crisis conditions it is better to start business projects related to import substitution. Analysis will give you a hint trading market and customs statistics for the last few year s. It may be some types of food, the demand for which has been stable. He believes that the crisis has not changed either people or officials.

Vadim Dymov is convinced that it is possible to reach financial peaks by opening new projects in agriculture. As an option, he proposes to use state land shares for Far East to grow soybeans that can be exported to China. A risky but simple business can bring significant profits.

The businessman does not rule out success when opening startups in the field of machine-building logistics and components for assembling units. He claims that there are absolutely free niches for the development of medium and small businesses in small towns far from Moscow. Why not open a carpentry shop to produce excellent domestic furniture? Suddenly? But it is very pleasant to create and use your own, to raise your own brand.

Founder and owner of the network of pizzerias "Dodo Pizza".

According to Fedor Ovchinnikov, the time of crisis is a period that is favorable for opening almost any business. After all, this crisis simply forms a new one from the usual coordinate system, and life continues to go on as usual. Only the rules of the game change, and it becomes important not “what”, but “how” to act in the new conditions.

Fedor Ovchinnikov is confident that Mercedes will be in demand even during the crisis. The main thing is to find an optimal and competitive business model in order to win in modern conditions.

Fedor Ovchinnikov suffered a major setback early in his financial career. His first book sales project turned out to be unprofitable and failed, but only helped the businessman develop a new strategy. Now the entrepreneur treats the beginning of each of his business as if there is a severe crisis in the yard. He immediately asks himself a reasonable question: “What will happen to his business project when everything goes bad, even if at this stage everything is fine?” He rightly believes that it is in this difficult and new time that a healthy and strong business can be formed in the country.

Founder and owner of the Expedition company.

According to entrepreneur Alexander Kravtsov, now is a great time for any new undertakings. Here it is important to invest your soul in a business project and maintain good spirits. If you do not hide and do not retreat, then everything can turn out to be an excellent and profitable business.

Alexander Kravtsov believes that there are no crises. Now there are a lot of markets that are losing money. But there are many enterprises that are simply overwhelmed with stable orders. For example, the only Russian company manufacturing backpacks is loaded at full capacity.

The businessman believes that interesting and relevant topics for a new business are food and tourism development.

It is better to become more active in those financial niches where foreign investments have left. But he recommends being more careful with fixed items of expenditure. Serious changes are taking place in the market in favor of the employer: many active and qualified specialists are being released who can be useful for new projects.

Alexander Kravtsov believes that a businessman in a crisis should become a cynic: do not pay high rents, do not pay inflated premiums and do not invest in dubious projects.

TOP - 15 business ideas in a crisis

Below we have collected 15 small business ideas in a crisis. This is not all that can be discovered in an unstable economic situation, so we will try to supplement the article. Including your ideas, which you leave in the comments!

Also useful information you can learn from the article about .

Business idea number 1 - Opening an online store

Upfront costs- from 200 000 rubles.

The general essence of the proposed idea is the development and organization of an online store, the sale of goods through the site, its delivery to customers using courier service or regular mail. The relevance of such a project is confirmed by numerous economic analysis of the market. The service is more and more in demand among buyers of the middle age category, and the monthly growth of the market speaks of its prospects.

When planning to open an online store for women's or children's clothing, the owner faces the following costs:

• expenses for the development and technical support of the smooth operation of the site;
• wage administrator, courier;
• if necessary, rent a warehouse;
• transportation costs for the purchase of goods.

The rent for the premises of a stationary store is replaced by the content of the site, the purchase software, advertising costs.

The average percentage of profitability of knitwear and clothing stores is at the level of 20-25%. With investments in the purchase of goods of more than 200,000 rubles, the monthly net profit can be from 40,000 rubles. By actively promoting an online store, analyzing the assortment and costs, you can pay back such a project in 4-6 months.

Business idea number 2 - Opening a street fast food

Estimated cost of the project- 275,000 rubles.

The essence of the idea is the opening of a small outlet for the manufacture and sale to the consumer a certain kind snacks and drinks. Unlike the usual shawarma and hot dogs, the project proposes to develop a range based on sandwiches with nutritious and tasty fillings, classic or closed sandwiches. The relevance of the idea lies in the constant demand for fast food products. During the crisis, people are less likely to go out to restaurants and are increasingly opting for quick and inexpensive street food.

It is better to open such a stationary point in places with a large flow of people: near metro stations or stops, malls, institutions of higher education. Main costs:

• rent of a place of trade;
• purchase of a stall, tent or trailer;
• purchase of thermal and refrigerating showcases, equipment for work.

If we base the calculation of the approximate income on a daily turnover in the region of 8,000 rubles, then we can talk about an average monthly revenue of 240,000 rubles. With a profitability of 30% set in the price, such street fast food will pay for itself in 5 months. You can increase the influx of customers by adding dishes with non-standard ingredients, offers for vegetarians or healthy food connoisseurs who have difficulty finding a decent catering outlet.

Business idea number 3 - Opening a pancake cafe on wheels

Initial investment- 400,000 rubles.

The business idea is based on the equipment of a pancake baking point, the organization of the production of special fillings, and the sale of this original fast food to the buyer. There are quite a few companies on the market offering a delicious product, so the competition in the sector is high. By relying on non-standard products for fillings, beautiful serving, excellent taste, you can get a stable profit and regular customers.

To organize the process, it is better to choose a mobile point that can be moved when changing the place of trade, transported to participate in events and public holidays. Its equipment will become the main cost item for opening a pancake cafe.

Successful development of production is possible in the case of:

• a wide range of interesting fillings;
• staff professionalism;
• correct choice of location.

Most similar enterprises the markup level is 80-100%, which fully covers utility bills, all costs and gives a stable profit. Full self-sufficiency can be said only after a few months due to the initial low cost this product, a lot of competition.

Business idea number 4 - Bakery and confectionery

Approximate investment amount- 1,000,000 rubles.

It is worth noting that people will always want to eat, in connection with this, opening a business in the field of catering during a crisis period becomes relevant, even when the economy is not all right in the country. Small firms that combine the functions of a bakery and a store are gaining popularity in large cities. An interesting assortment and a pleasant homely atmosphere can attract buyers with different incomes. The essence of this idea is the design and opening of a fully equipped enterprise that is engaged in baking and selling bakery and confectionery products to the consumer.

To accommodate a bakery and pastry shop, it is necessary to carefully select a place with good traffic. Ideal if close by shopping center, stop complex or office block. The project can be developed in two directions:

• a simple bakery and confectionery with a sales area;
• a bakery with a small cafeteria for visitors.

The first option is more economical in terms of investment and requires less time to organize. With a good location, the bakery can serve 300 - 800 visitors a day, each of which will make a purchase in the amount of 200 - 400 rubles. The approximate profitability of a small enterprise without a cafeteria is 20%. With such volumes of trade, the costs of opening a bakery and confectionery will pay off in less than 10-12 months.

Business Idea #5 – Opening an Outsourcing Company

Minimum investment- 550,000 rubles.

The essence of such a project is the creation of an outsourcing company that provides various services third parties for a fee. As the main specialization, you can choose accounting or legal support business, solving financial or IT issues, creating an external call center to work with orders. The market for such outsourcing firms is just emerging, making the business project relevant. During a crisis, many companies reduce staff and it is more profitable for them to outsource tasks.

To organize and start work, it is necessary to solve two specific tasks:

• rent of a convenient office space in the central part of the city;
• attracting real professionals in the chosen field to the staff.

In addition to the initial costs of renting and decorating an office, it is necessary to invest part of the funds in advertising and maintenance of life in the first months of formation. Work with clients is carried out on the basis of a special contract. The cost of services is calculated individually for each working situation. great attention it is required to pay attention to the quality and completeness of the work. This will help in attracting regular customers and increase the level of profitability of the outsourcing company.

Business Idea #6 - Opening a Canteen

Minimum investment- 1,000,000 rubles.

The essence of the project is the opening of a small enterprise Catering in the form of a city cafeteria. Her services will be in demand among people with different incomes: students, pensioners, business travelers. Such budget canteens have a stable demand and show low competition even in large cities.

After choosing the format of work, you should decide on the room. It must fully comply with certain technical requirements. The best option would be to rent a former catering establishment or a spacious hall near the station, universities, shopping malls.

The main cost items can be:

• refurbishment of the premises for visitors;
• purchase of kitchen and commercial equipment;
• training and maintenance of the team.

It is considered optimal to accommodate up to 50 visitors at the same time. Workload varies depending on the time of the working day. The average indicator is a patency of 50-60% with a check for 200-300 rubles. The daily income of a canteen with such a volume starts from 25,000 rubles. Taking into account all the overhead costs and the cost of renting a room, such a “delicious” business project can pay off in a year of stable operation.

Business idea number 7 - Business in the production of frame houses

Minimum investment- 500,000 rubles.

The essence of such a project is the development and implementation of a business idea for the construction of turnkey frame houses. The acquisition of small wooden houses is in demand among the middle class, which seeks to move closer to nature outside the city. Construction works from the foundation to turnkey delivery does not exceed a few months. The affordable amount of material costs makes frame houses a good investment.

To implement the project, it will be necessary to open several offices in different districts, which will accept orders and conclude contracts for the sale of finished objects. At the first stage, the main investments will be:

• training and salaries of construction teams;
• maintenance of staff in the office;
• advertising expenses;
• purchase of the necessary tool kits.

The level of profitability is calculated based on the cost of materials spent on the object. On average, one meter of living space costs 30-40 thousand rubles. It can be sold at a price of 70 thousand rubles, having received a net profit after the sale of a cottage or townhouse in the amount of up to 2 million rubles. Such a business can become profitable and bring a stable income, paying off after two completed projects.

Business idea number 8 - Opening an economy class hairdresser

The amount of capital investments- over 300,000 rubles.

The essence of the business idea is the opening of a small hairdressing salon that provides a full range of necessary services at affordable prices. Such a project will be relevant in large and medium-sized cities due to the constant demand of the population of different ages and incomes. By providing quality service at affordable prices for most customers, you can make a project with a stable income.

The bulk of the costs are for the purchase of specialized furniture, working equipment and cosmetics, the design and equipment of a hairdressing salon. Good traffic is ensured by its opening in a residential densely populated area next to a bus stop, shopping centers. For additional profit, you can:

• to use the transfer of workplaces for rent instead of hired personnel;
• invite representatives of related professions to sublease to increase the flow of customers (manicurists, make-up artists).

With an average check for a service of 250 rubles and servicing at least 16 visitors per shift, the payback period of investments is planned to be up to 18 months. Expanding the list of services, holding promotions and self-promotion will help improve the result, guaranteeing a profitability of 29%.

Business idea number 9 - Opening a pharmacy

Upfront costs- from 500 000 rubles.

The essence of the idea is the wholesale purchase of a wide range of medicines and the organization of a stationary pharmacy for the retail sale of these medicines to the population. Given the high demand for this type of product, even with the existing level of competition, the project can be a very profitable financial idea.

A good and stable profit in this line of business depends on pricing policy, choosing the most stable suppliers and placements. A small pharmacy operating as a discounter will be in stable demand among the population of the residential area. Its opening is optimal near metro stations, transport stops or grocery supermarkets.

To implement the project, you will need:

• specially converted non-residential premises;
• personnel with appropriate education;
• conclusion of contracts with trusted suppliers.

The profitability of a pharmacy is directly proportional to the turnover of medicines. Given the peculiarities of the legislation, entrepreneurs set high mark-ups for some groups of drugs. Additional income comes from the sale of medical equipment, hygiene items, baby food.

Business idea number 10 - Opening a children's commission store

Estimated investments- 300,000 rubles.

The general essence of the idea is the organization of a small store to accept goods for sale from customers for the purpose of subsequent resale, taking into account a certain commission to the seller. This area of ​​activity is growing rapidly. Quality baby products are in high demand, especially with financial austerity in many young families.

The main amount of expenses falls on the rent of a small room, its repair and equipping with commercial equipment, furniture and stands. The project does not require the purchase of items in wholesale warehouses, but an important component is constant advertising to attract potential buyers and sellers.

It is better to open a store in a densely populated area, near grocery supermarkets or children's clinics. Small investments will require:

• colorful design of the facade;
• the content of the site or groups in social networks;
• staff salaries.

For such a project, economists consider a good profitability level of 12-15%. With a daily turnover of 15,000 rubles, the monthly net profit minus all expenses can be 30,000 rubles. Savings can be achieved by making such an enterprise a family business and not hiring outside employees.

Business Idea #11 – Opening Training Courses

The relevance of this idea lies in the fact that parents will not save on children even during an economic downturn. Private schools for learning foreign languages ​​or preparing children for the Unified State Examination may not be affordable for some parents during a crisis, but budgetary private courses (individual or as part of a small group) are quite real.

Estimated investments depend on the scale of the business. You can purchase all the necessary interactive learning tools and organize training courses at home or rent an office space by the hour. The rest of the costs will go to advertising: in the social. networks, bulletin boards, newspapers, etc.

Business Idea #12 - Farm Products

During the crisis, many products in large supermarkets rise in price. During this period, the sale of farm products directly from the farmer becomes especially relevant. Having received everything Required documents you can organize a stationary point in the market or a mobile sale: milk, eggs, cottage cheese, pork, beef, poultry, etc.

Initial costs will depend on the scale of the business organization. You may need to purchase a special milk tanker, rent a sales pavilion, or hire a salesperson and driver. In addition, you can develop an individual design for your company, including the cost of branded stickers on cars and products.

Business idea No. 13 - Shop "all at one price"

Estimated investments- 700,000 rubles.

It is worth noting that all the stores on the market in this area "rose" during the crisis. In pursuit of favorable price, people seek to save as much as possible by increasingly visiting stores with fixed price. The assortment will depend on your preferences, ranging from inexpensive products to household items.

You can purchase a franchise or open a store on your own. In any case, the essence will be the same. The costs will go to:

• rental of premises;
• purchase of commercial equipment;
• the first batch of goods;
• hiring employees.

As in any business, do not forget about the good location of the outlet: a busy street, a walkable area.

As a supplier, you can consider the option of purchasing goods from China.

Business idea No. 14 - Manufacturing business or import substitution

Import substitution- a key moment in the organization of business during the economic downturn. In addition, the policy of the state is entirely directed in this direction. There are many grants and third-party investments in the organization of production in our country. For some, this may be new, but goods can be transported not only from China, but also to China! Many foodstuffs there have a high price, and if you properly organize the delivery, but you can talk about a promising business.

In addition, during a crisis, imported products rise in price due to currency fluctuations. In this regard, the demand for domestic goods with stable acceptable prices is increasing. This is the basis for organizing a manufacturing business.

This may also include agricultural products(honey, nuts, meat, milk, cheeses, etc.), textile production, conservation(fish, cereals, vegetables, etc.), fresh vegetables and fruits and much more.

Business idea number 15 - Beauty salon at home

Estimated investments - 30 000.

The popularization of masters who will come to your home and prepare for important events has gained its relevance precisely in a crisis. Beauty salons do not reduce prices for their services, but private hairdressers, make-up artists, manicurists take much less money, besides, they do not have to share with the owner and pay rent.

All initial costs will go to the passage of special courses, the purchase of the necessary equipment and advertising. To prepare a portfolio, you can try your skills on close relatives, friends.

Conclusion

Now you know how to open a business in a crisis. Is not step by step instructions but only ideas. We will be happy to discuss with you in the comments the issues of small business in times of crisis and we are waiting for ideas from you that, in your opinion, can be started in Russia during the crisis.

And also take a look at the section -. There you will find more more selections articles with business ideas.

It's nice to profit from money that has been earned before. Making money work requires knowledge and understanding of the situation. There are investment methods for beginners and financial pros - we offer an overview of the most popular options.

The question is as old as the world. A person feels ideally arranged in life only when he withdraws decent amounts from a bank card, without doing anything for this. To make a profit from what has been earned before, and thus secure the present and future for oneself, is a sign of a person with a good head.

There is no need to consider the conclusions made in the article as a guide to action - what turned out to be profitable for the author may not suit you. Choose ways to earn money yourself, then you can rightfully consider both laurels and spikes only your own. However, first it will be useful to dwell on how to make money today on what you earned yesterday.

Let's see what ways to get income from invested money exist, and try to determine the most profitable of them.

Bank deposits

There is nothing easier. You transfer your money to the bank and receive a certain percentage of the deposit amount. The bank makes money using your money.

A simple example. You deposited a certain amount at 10% per annum. A year later, you get your money and 10% on top (which can be received in monthly installments). The credit rate in this bank is 20%. Thus, the person to whom your money will be loaned will pay the bank 20% of the loan amount for them, and the bank will earn 10% through mediation.

The scheme is simple, understandable, predictable and most reliable. Other financial instruments cannot boast of such predictability. Moreover, deposits over 700 thousand rubles are insured by the state and are guaranteed to be returned to the depositor, regardless of financial condition jar. The amount of more than 700 thousand can be divided into several deposits, protecting yourself from losing money in the event of a bank failure.

It is easy to calculate income on the loan calculator of a bank page on the Internet. Given the high reliability of a bank deposit, its low profitability does not allow it to be considered profitable. The method is good for initial accumulation with subsequent investment in more profitable areas, and also as a monetary "airbag".

PAMM accounts

Thus, the trader takes risks together with investors. Profits and losses are automatically distributed at the end of the trading period between the PAMM account manager and investors according to the offer - a public contract that sets out the conditions. The investor's participation, therefore, is limited to choosing a manager and investing money in his PAMM account (see "").

The convenience of PAMM accounts is that for investments you do not need to have special knowledge and a minimum initial investment threshold. Disadvantages - complete trust of your own money to a third party and the inability to influence the result.

Mutual investment funds (UIFs)

A slightly less popular way of investing capital. Mutual funds are a kind of financial accumulator, where the money of small investors (shareholders) is collected and used by managers for various kinds of investments in order to make a profit. These funds can be invested in stocks, bonds, precious metals, currency, etc.

Funds are not just invested, they are managed. Assets are bought, for example, at the time of the minimum price with reasonable confidence that the growth of their value is mandatory. To determine this probability, technical and fundamental analysis is used.

The economic situation in the world, the region, economic and political news and a host of other components that are difficult for the layman are analyzed. The task of mutual funds is to save a person from all these difficulties, get their money and earn on it for themselves and the average person, who, earning in this way, does not need to be distracted from his main activity.

Perhaps an investor in a mutual fund after a while will master the business and begin to invest on his own, but that will be another story. For successful investments, the “right” mutual fund must be chosen. There are plenty of recommendations for choosing on the Internet, and those who are especially interested can be recommended to take the “Successful Investor” training, where they can learn the ABC of profitable investment.

The advantages of a mutual fund include a low investment threshold, a rigid state control activities, professional management and no taxation for the investor.

Disadvantages of mutual funds - a higher risk compared to fixed income instruments, the cost of issuing and storing certificates, paying remuneration management company regardless of profitability and some others.

Stock

A share is a security that indicates the share of the owner in the capital of the company and entitles its owner to a part of the company's profits. Much has been written about what stocks are and how they differ. Compared to other ways of investing, investing in stocks is the most profitable in the long run, but also the most risky. Investing in the purchase of shares forces you to constantly monitor the situation on the market, avoiding capital losses due to a decrease in the value of shares in times of crisis.

Bonds

Bonds are debt securities that guarantee their owner to receive a certain amount of money from the issuer. Designed for those who do not like to take risks. High yields on bonds are impossible - usually it is comparable to the yield on deposits.

Such a tool cannot be considered as a profitable one, but it is quite suitable as a way to diversify investments. The term diversification means the distribution of investment capital between risky and reliable instruments. Reliable (such as gold, deposits, bonds) with a minimum yield allow you to save the capital invested in them, regardless of the situation on the market.

Forex

Forex (FOReign EXchange) is an interbank foreign exchange market at free prices. In fact, this is speculation in various currencies. For example, if you buy 100 euros for $130, after some time you sell them for $160, earning $30.

Trade in Forex currency pairs, as shown in the example. The value of currencies depends on many factors and is constantly changing. For example, the financial instability of certain eurozone states (Greece, Spain, Portugal) leads to the fact that investors, fearing a fall in the euro (this currency is needed to support financial systems these countries), get rid of it. Its volume on the Forex exchange is growing, its value in relation to other currencies is falling. On such fluctuations in rates and earn on Forex.

You can, having previously learned, trade on Forex on your own, or you can trust your money to professional traders. The method of investment, despite widespread advertising, is doubtful. If you trade yourself, you have experience, knowledge, strategy, will - this is your method. But the statistics are inexorable: only a few have made fortunes in Forex, and millions have made burnt-out optimists. So, it's up to you.

Cumulative life insurance

Or insurance in case of unforeseen circumstances. It differs from ordinary insurance in that it combines health and life insurance with the accumulation, preservation and increase of capital. Ordinary insurance involves the payment of a certain amount upon the occurrence of an insured event, and with accumulative insurance, if such an event did not occur during the validity of the contract, you can receive the entire accumulated amount immediately or monthly certain payments until the end of life. Naturally, this method of investing cannot be considered highly profitable.

General Funds of Banking Management (OFBU)

OFBUs are very similar to mutual funds, but have broader investment functions. On the one hand, this expands the opportunities for increasing profitability, on the other hand, it increases the risks. There are known cases of profitability of investments in OFBU up to 600% per annum.

A negative factor can be considered the fact that, unlike mutual funds, OFBUs are much less controlled by the state. Sometimes OFBUs end up with a complete collapse due to the unprofessionalism of managers. There is enough information on the Internet about the work of the OFBU. Recommendations for investing in OFBU are very restrained. It is recommended to invest amounts that are not very difficult to part with. I think comments are unnecessary.

hedge funds

In Russia, a new and uncommon type of investment. At the current stage, this tool is available to a small group of wealthy investors. In the Western market, hedge funds are extremely popular. The minimum investment entry is from a few hundred to a million dollars.

Lack of intelligible regulation allows you to freely choose investment game strategies and use the widest investment tools. As a result, you can end up with super profits or suffer huge losses. A striking example of a hedge fund is the famous Quantum fund, the brainchild of a financial game genius who once managed to make a fantastic profit of a billion dollars in one day.

Structural (structured) products

They are a complex financial instruments usually offered by investment and commercial banks for certain categories of clients. Structured products gained particular popularity during the crisis, when the market situation required the search for reliable ways of investing that could give incomes greater than bank deposits.

The principle of a structured product is simple: approximately 80-90% of investment capital is placed in bank deposits, and the remaining 10-20% is invested in futures and options. In case of an unfavorable development of events, the investor remains "with his own", without losing anything, and with a successful investment, he receives a profit of 20-30%. Not very much, but higher returns on deposits.

By the way, a small but stable profitability is a sign of the manager's high professionalism. Investment genius Warren Buffett has been earning 24% per annum for his clients for many years. The figure is only at first glance not impressive - only Buffett can provide such a constant profitability.

Gold and other precious metals

For most, wealth has a golden sheen. As a profitable investment, gold can hardly be considered, although its price has recently jumped significantly. In times of crisis, gold helps save money. Investors are released at such times from stocks, bonds and other products and purchase gold. When the crisis releases the economy, and profitable ways of investing appear, the demand for securities. That is why gold prices rise during periods of crisis, and then most often fall.

The property

Real estate is always profitable for investments. By itself, it is constantly growing in value and, in addition, allows you to receive income from renting it out. But the trouble is that real estate is very expensive and can only be considered as an investment by very wealthy people. If you have a large amount of capital, then investing in real estate may be an option.

You can get by with less money if you invest in real estate during the construction phase. In this case, certain parts will periodically have to pay the cost of housing. It is necessary to calculate a specific option, if there is a possibility of payments and this will not affect your standard of living, then you can invest at the construction stage, when the cost per square meter is much lower than that of built housing.

Business

So, the main variants of financial instruments have been revised. Each of them has its own advantages and disadvantages. The principle is obvious: the more reliable the investments, the lower their profitability and vice versa.

The last option, which has not yet been described, is your own business. What does profitability depend on? own business? Only from its owner. Here, no one sets the rules and conditions: fantasy, efficiency, ingenuity are the key to the success of a businessman. Of course, there are various external circumstances that affect the business, but they are not critical and everything is in the hands of the owner.

Often, a correctly chosen business brings at least 100% per annum. In addition, you become a creator and participant in an exciting process in which almost everything depends on you. Along with your work, a person also changes: you become stronger, more self-confident, in general, you grow as a person.

In addition, you still have the opportunity to invest what you earn in various tools to generate additional income. In life, you can never rely on anyone for the main thing. Only you yourself can become the master of your life, no one else. I made my choice: the best investment- own business. Join and wish you good luck!

TOP 7 profitable business ideas

Business ideas that make a profit, or ideas that no one believed in? Bold Russian entrepreneurs mastered unoccupied niches (joint purchases, ice cream parlors, quests) and made the right decision!

 

According to the Ministry of Economic Development of the Russian Federation, the share of small businesses in the country's GDP by 2020 should increase to 30%. SMEs in total will account for at least half of the gross domestic product. Such forecasts are not unfounded: every year there are more and more new successful business ideas for small businesses, which are implemented by entrepreneurs not only in various Russian regions. The most original and profitable ideas of entrepreneurs will be discussed in this article!

Not by bread alone...

• Idea: sturgeon farm
• Businessman: Victor Kozemsky
• Region: Belgorod region
• Description: in 2014, in the Gaivoronsky district of the Belgorod region, the construction of a farm for growing sturgeon fish in recirculating water supply installations (RAS) began. The enterprise was named Belosetr and, according to the creator, was designed to produce up to 0.5 tons of caviar annually, starting in 2017.

Previously, Kozemsky was engaged in fish breeding in Donetsk, after which he decided to launch a project unique for Russia - a fully automated sturgeon farm. Kozemsky and colleagues have been developing equipment for keeping and feeding sturgeons for over 10 years, using their own developments.

At the moment, the plant has more than 7 tons of stock of mother fish at its disposal. The enterprise also has a fry rearing workshop, that is, at the moment, the implementation of the second stage of a large-scale project has begun. At the end of 2015, the company implemented:

• 0.2 tons of black caviar;
• 1.5 tons of fish.

Recall that the average cost of 1 kg of black caviar in the Russian wholesale market reaches 28 - 30 thousand rubles. Now the farm plans to start producing 2 tons of sturgeon and sterlet caviar by 2018.

Interesting: According to the Ministry of Agriculture, the export of Russian black caviar tripled last year and reached 4.71 tons in the period I - III quarter of 2015. The reason for this is the active development of production sturgeon fish and a favorable market environment in the face of a depreciation of the ruble.

Small wholesale: earnings on savings

• Idea: online store in Cash & Carry format
• Businessman: Elena Drovovozova
• Region: Moscow
• Description: in 2014 Elena Drovovozova, former lawyer of the multi-format trading company X5 Retail Group, founded an online cosmetics store in a format similar to Cash & Carry. The store was named BeautyDiscount.ru and offers retail and wholesale cosmetics to customers at a discounted price. The idea of ​​crowdshopping was taken as the basis for creating the store. In order to save on the purchase of goods and delivery, people unite in groups and make a joint purchase.

At this stage, the store's assortment includes more than 20,000 goods. According to Alexa Rank, the store ranks 260,378, with more than 9,000 daily views, and an average cost of just over $9,600. The success of the store is due to the growing popularity of joint purchases (they account for almost 40% of turnover). Most profitable startups are somehow connected with crowdshopping (Rentoid, Uber, etc.), but in Russia the niche is not yet occupied, and therefore everyone has a chance to succeed!

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DIY: Elementary Cooking

• Idea: food constructors
• Businessman: Olga Zinovieva
• Region: Moscow and Moscow region
• Description: in 2014, a former McKinsey consultant set up a home delivery service. Its peculiarity is that the products are intended for the preparation of specific dishes: washed, peeled, cut. Sets come with colorful step by step recipes, allowing you to prepare gourmet dishes in 5 - 30 minutes.

Grocery packages are delivered twice a week when subscribing on the site. The menu for each client is compiled individually on the basis of a preliminary survey. In just a month of work, 120 thousand residents of the capital became participants in the project, which brought the company more than 1.2 million rubles. (according to RBC).

The idea to create a food constructor came to Olga while studying at Harvard Business School. She immediately interested the head of the Boston venture fund Lawrence Lepard. The fund invested 200 thousand US dollars in the project in exchange for a 10% stake in the business.

In 2016, the Elementaree project raised over $500,000 from an unnamed international investor. The funds received will be spent on the development of the platform (automation of business processes, scaling). The creators plan to create a full-fledged alternative to offline supermarkets within 3-5 years.

How to wash money: making money on laundries

• Idea: laundromat network
• Entrepreneurs: Pavel Glushenkov, Oleg Maslennikov
• Region: Krasnodar region
• Description: in 2011 former employee law enforcement Oleg Maslennikov, inspired by self-service laundromats, popular in the United States, opened the first laundry in Krasnodar. At first, the entrepreneur encountered problems, for example, he chose the wrong equipment (washing machines with a load capacity of 6.5 kg did not meet the needs of customers). But he successfully chose a place in a new shopping center, which allowed him to save on advertising.

In 2014, having 2 laundries in Krasnodar and 1 in Omsk, the entrepreneur decided to develop the business. At this stage, he was joined by Pavel Glushenkov, who had previously developed his network of laundries, the first of which was created under a franchise. At the moment, the network has 15 points in the regions, including Moscow. 8 of them are located in the stores of the Magnit chain, popular in the Southern Federal District.

According to RBC, the maximum income from one point can reach 350 thousand rubles, and net profit (minus the cost of rent, household chemicals, taxes, cost utilities) is about 120 - 150 thousand rubles. According to the entrepreneurs, it will take from 2 million rubles to open a self-service laundry, and the payback period is up to 3 years.

Games that people play: quests in reality as a source of income

• Idea: quests in reality
• Businessman: Sergey Kuznetsov, Bogdan Kravtsov, Timur Kadyrov
• Regions: Moscow, St. Petersburg, Nizhny Novgorod
• Description: in 2013, the first quest room appeared in Moscow - a room for passing mission games with a planned plot. Bogdan Kravtsov, who previously worked as an IT specialist at Yandex and Art. Lebedev Studio, was inspired to create the quest by his favorite PC game, Fight, as well as successful examples in Europe and the West.

In partnership with friends who owned a manufacturing company board games and souvenirs, Kravtsov began to develop scenarios for the first two games: "Psychiatric Hospital" and "Soviet Apartment". Entrepreneurs managed to create scenarios in just a couple of evenings, and the amount of investments for opening the first quest room, according to Forbes, amounted to 500 thousand rubles.

At this stage, each quest room of the Claustrophobia network brings about 1.1 million rubles. monthly. The first franchises were sold in 2014. Their cost was 150 thousand rubles, while the amount of royalties - from 10% for the regions to 15% in Moscow and St. Petersburg.

In a difficult economic situation profitable business ideas should be aimed at people who do not have the opportunity and means to travel abroad. After all, they will look for entertainment in their city. And in these conditions, quests are the best solution!

Currently, such a branch of the economy as large and small business is developing rapidly. It is hard to imagine the life of Russians without cafes, restaurants, shops and cinemas. Most of these establishments are owned by individual entrepreneurs and bring them a lot of income. Small business today is very popular. It includes many different areas and industries in which you can invest money. The most common and profitable are the following: trade, services and entertainment, farming, internet business and so on.

A successful business can be opened without investing big money. currently in Russia, namely in Moscow? It is impossible to give a definite answer. Let's take a closer look at the most profitable business in Moscow. Moscow is the largest metropolis in which all areas of business are developed and there is a lot of competition. Because of all this, the question arises as to which are the most promising and are in great demand here.

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Main directions, documents for starting a business

Business in Moscow is not easy.

The main ideas of entrepreneurship are as follows: it can be a good idea to open your own own store in Moscow, cafe, restaurant.

Very profitable - a business of trading in movable and immovable property. A small beauty salon, including a hairdresser, will also be beneficial. Since Moscow is a very large city, the capital of our country, because of this, it can become very relevant in it. V big city there is always a lack of natural and useful products, a Agriculture can solve all these problems.

Whatever business is organized, first of all, a novice entrepreneur needs to register with a local tax service as individual entrepreneur or LLC. The first option is the most optimal, since in this case you can save some money, and the number of papers to be filled out will be less. It must be borne in mind the fact that when registering as an individual entrepreneur, it will be possible to provide services only individuals. To open your own business, you need to collect the necessary documents, namely the conclusion of the fire and sanitary and epidemiological service, local territorial administration property.

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Opening your own store

You can start a business by creating your own store. This could be a grocery store, a clothing store, a jewelry store, a department store, or a major shopping mall. The most profitable and profitable option is a grocery store. These establishments are in constant demand, so they bring their owners regular profits. This is very profitable business. Most important point it is to create your own business plan, which will clearly describe all further work. It should include: choosing a location, purchasing equipment, collecting the necessary documentation, determining a pricing policy, organizing an operating mode, and so on.

The first step is to register with the IFTS. Then rent a room. Building a store from scratch is not recommended because it will take a lot of money. Obtaining permission from the sanitary and epidemiological service is of great importance. Grocery stores are catering establishments, and they are closely supervised by the sanitary service. This is done in the form of preventive and current sanitary supervision. It determines the correspondence technological process and construction normative documentation. Planned events are held every 3 years.

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Purchase of equipment

What store can operate without equipment? Of course, without it in any way. For you will need: refrigeration equipment, showcases, racks, food storage containers, cash registers, microwave ovens and the like. But before that, you need to carry out all the necessary means of communication, namely electricity, heating, water supply, sewerage and waste disposal, air conditioning. Of great importance are the storage conditions of products, especially perishable ones.

To create a profitable business, you need to hire maintenance staff. The staff of the store should include a manager, a personnel manager, sales assistants, cashiers, a cleaning lady, a security guard, and a loader. All personnel must wear special clothing. Since the workers Food Industry belong to the decreed group, they must check the availability of personal medical books, the frequency of passing medical examinations and delivery of analyses. To, you need to determine its location. The most profitable option is to locate it in central areas with heavy traffic.

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Opening a farm

And what business, besides shops, cafes and restaurants, is the most profitable in Moscow? Profit can bring own farm outside the city. There are many, many options here. You can engage in breeding cattle and small cattle, poultry, rabbits, pigs. In addition, the cultivation of agricultural crops (cereals, vegetables, fruits, berries) is also popular. Beekeeping and reproduction, followed by the sale of flowers, can bring big profits. First of all, you need to decide on the direction. Among other things, you can breed animals for several purposes: for the sale of young animals, for meat and other raw materials.

First you need to determine the scale of the farm and the number of livestock, if you plan to breed it. All further work, expenses and profits will depend on this. If you breed cattle, then you do not need to build a farm from scratch, just find an abandoned farm and rent land. It takes a lot of money to buy livestock. One cow costs from 20 to 50 thousand rubles. A large amount of money will go to feed and equipment. It will be necessary to purchase devices for feeding feed, dispensers, devices for removing and removing manure. In addition, you will need your own transport to sell products. You can sell meat, milk and other products both at the market and rent it to nearby outlets and restaurants. But you need to know that purchase prices are often low. A large farm will require several workers: milkmaids, livestock technicians, a manager, a butcher, a cleaner and, of course, a veterinarian. Animals require certain conditions of detention.