The best passive income idea. Passive income: ideas, sources, types and investments

Hello, dear readers! I am pleased with the trend of increasing interest in passive income. More and more people are interested in what types of passive income there are. It is to answer this question that I decided to dedicate today’s article.

Let me start with the fact that only passive income allows you to gain financial independence. Probably each of us has already heard this axiom at some point. But few people manage to understand the clear difference between passive and active types of income.

The most important characteristic is the lack of effort. In other words, you don’t have to do anything to get funds into your account.

However, despite the fact that there are no daily labor costs, a lot of effort must initially be made to study in detail the area in which you plan to invest.

By the way, now it is possible to buy shares without leaving home through, as well as open an Individual Investment Account (IIA) remotely.
To buy a small block of shares for testing, you can use the button below:

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Passive income is the main goal of sane people. Of course, remnants of the past play a role in the fact that now most people still go to work every day.

Let's remember that during the Soviet Union, any income from the “unearned” category was considered something shameful. Our grandparents grew up with the belief that “if he doesn’t work, he doesn’t eat.”

To understand the unreasonableness of this approach, it is enough to look at how old people live in our country. Do you want the same “advanced age”? No?

Then strive to receive a permanent income that does not involve going to work every day and start taking the first steps in this direction today!

What types of passive income are there?

In the 21st century, there are many ways that allow you to earn a good income with a minimum of effort. Every year the situation in the field of passive income changes.

Some sources of profit are becoming obsolete, while others are becoming more in demand.

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

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

But in fact it is easier than it seems! And today we will talk about how to organize passive income in Russian realities.

The beauty of passive money is that its availability no longer depends on the effort we make.

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

Every working day he exchanges his time and effort for cash equivalent. I stopped straining myself (I got sick, quit my job, started drinking) - the stream of money immediately dried up.

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

By the way, freelancing and private entrepreneurship are also considered active ways to earn money. Their difference from hired workers is only that freelancers and individual entrepreneurs work for themselves: they plan their workday, look for clients, do advertising, purchase goods, pay taxes, and so on.

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

How are passive earnings fundamentally different from active ones? A more favorable “exchange rate” of time and effort for real money! If for an employee the conditional rate is 1:1, for a small entrepreneur it is 1:2, then a good passive source gives a return of 1:50 or 1:100! You work to create a source of income once, and then the money drips in constantly and without your direct participation!

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

Types and examples of passive income

Several types of passive income are relevant for Russia. To be fair, I note that there are much more options abroad. But we also have plenty to choose from!

Financial (investment)

This is perhaps the easiest way to provide yourself with a constant source of payments over time. The principle is simple: we invest money in various instruments, receiving benefits in the form of interest and dividends.

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

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

Dividend shares

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

Source: Larisa Morozova

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

Bonds

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

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

Intelligent, including on the Internet

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

“Tutorials” are sold on the Internet in a variety of formats: books, video lessons, personal consultations, webinars, courses and paid access to materials in closed groups.

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

Participation in affiliate programs

Owners of popular blogs and websites can earn money passively through affiliate programs. In my opinion, this is one of the best options for earning money online. The bottom line is that when you click and order a product/service using a link from your website, you receive a percentage of the purchase in the form of an affiliate commission.

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

Affiliate programs are also very different in terms of profitability. Some pay more, some pay less. Some pay affiliate rewards fairly, while others strive to deceive. Everything is like in life.

Therefore, it is better to select options on specialized websites - with descriptions and ratings of companies. Sometimes a corresponding topic is suggested by a forum on investments on the Internet. Don't forget to carefully read the reviews about the program!

Creation of online courses

Each of us is an expert in at least something. Try creating an online course on “your” topic. Other training options: video lessons, e-books, audio files, checklists, interviews with experts, webinars.

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

Reviews on websites

Bonus point. I warn you right away that earnings on review sites will be meager. Very few people can boast of an income of even 1000 rubles a month. Yes, and calling this method of earning “passive” is a stretch.

Who is it suitable for?

1. For those who plan to master the profession of a copywriter and want to make money by writing texts. IRecommend and Otzovik are a great opportunity to learn how to write short commercial texts with a catchy headline
2. For those who still don’t believe that you can make money on the Internet. According to my observations, more and more money from real life is “flowing” into the Internet. And the one who manages to use new opportunities before others wins.
3. For those who consider themselves an expert in one of the fields. If you are well versed in car accessories, natural cosmetics or books, share your opinion with others. Experts usually like to talk about what they know a lot about. So why not do the same for a fee? Albeit symbolic.

Marketing income

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

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

Not everyone can make a profit by trading Oriflame or AVON products. But bring it out your own website in 6-12 months for an income of $100-200 is quite real! The site owner can earn money from affiliate programs, from posting paid advertising articles, from contextual and teaser advertising, from selling links and much more.

Where can I get money to create sources of passive income?

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

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

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

So, where can you get money now to secure your long-term future?

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

We increase income

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

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

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

Well, of course, no one canceled the 10% rule. Direct one tenth of all cash receipts to create passive income. As Bodo Schaefer writes in his book “The Path to Financial Independence”: “You won’t notice a loss of 10% per month. You will live either as good as before, or just as bad.”

Yes, and one more important point! In the process of creating a new source of income, what is much more important is not the size of the “top-ups”, but their regularity! And until you reach the income level you set (1,000 rubles, 10,000 or 100,000 per month), you cannot spend your savings on personal goals!

We cut costs

People have come up with ways to save money: sales, discount sites, wholesale purchases of products, energy-saving light bulbs... There are so many options that I decided to write about saving.

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

First, close all debts and loans (especially interest-bearing ones) as soon as possible. Debt is like a boat in the middle of a lake that suddenly begins to leak. You spend all your energy trying to bail out the water and not drown (in our situation, making monthly payments with interest). And you and I need to move forward, towards, and not spin around in one place! Loans and debts shackle you hand and foot, and really slow down your development.

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

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

For example, you and your spouse both keep records in Coinper, each from your own mobile device. As a result, all data is synchronized and you can always find out how much money from the family budget was spent “on cosmetics” or “at a bar with friends.”

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

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

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

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

Why are we not rentiers?

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

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

Everyone has heard the expression “money to money.” What does it mean? Nowadays, it is not uncommon for a person, having a generally good salary, to “eat up” it completely, buy things on credit and borrow from relatives and friends from payday to payday. This continues for years and decades.

But why is this happening? It seems that the main problem of such people is that the idea of ​​passive income does not even occur to them. They are not able to create an asset that will work for their well-being in the future. These people immediately spend everything they earn, and thus deprive themselves of the only chance to ever escape the captivity of financial slavery.

Do you recognize yourself?

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

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

There is progress...

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

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

Let's turn to the authorities

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

Another “pro” in financial matters named Rockefeller once said that a person who works full time has absolutely no time to earn money. Despite all the paradoxical nature of this saying, its wisdom lies on the surface - indeed, working in an office or in production, each of us is able to earn money for ourselves personally only for current expenses to maintain daily existence. There is neither strength nor free time left for actions leading to wealth and prosperity.

The conclusion is this: the main resource is time, as any wealthy person knows well. The idea of ​​passive income is based on the correct distribution of this invaluable asset. And only after achieving this can you begin to move towards financial success. Everyone knows that everyone who achieved wealth initially had a specific list of goals. Well, the third, most important component for creating passive income is active, targeted work over a number of months or even years.

The result should be a legal opportunity to quit your unloved job and start living on dividends.

Passive income: examples and options

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

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

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

"Affiliates" is an interesting topic

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

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

Other earnings without investment

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

What is meant by the concept of a personal brand? This is a commercial use of a famous name. An example is filming, television and sports stars filming commercials. By becoming the “face” of a particular brand, they receive good money.

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

Going online

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

Of course, your own blog or website will not immediately bring you financial returns. To promote it and bring it to an acceptable level, it will take at least six months, and most likely a year or two. All this time you will have to work on your own project on a regular basis, optimize it and bring it to fruition. This work will take several hours daily. However, you can count on the first small revenues within a few months from the start.

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

How do they make money on them? The most popular methods include generating income by placing blocks of contextual advertising and similar articles on resource pages, of course, not for free. The sites place affiliate links and sell advertising space; they also actively offer training courses to customers, both their own and those of partners.

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

For those who are not deprived of intelligence

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

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

Let's go down to earth

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

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

Do you want to become a shareholder?

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

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

Investments in securities have certain advantages compared, for example, with bank deposits, in the form of a higher level of profitability, but at the same time, the high risk of losing invested funds sometimes cancels out all the existing advantages. Having decided to plunge into the world of stocks, mutual funds and PAMM accounts, remember that with the exception of long-term loan bonds, stable income is not so easy to achieve here, and the risk of incurring significant losses is always quite high.

Everything can be sold!

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

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

Do you need a lot of money?

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

Even earning money without investments is quite possible, or you can earn money by accumulating a small initial capital right here, on the Internet.

There are a huge variety of options for starting and promoting your own business, both online and in real reality. In “life,” of course, this requires a lot of expense and overcoming many organizational and legal difficulties. In addition, the competition here is very, very high. But still, by looking around carefully, you can spot your own niche, not yet occupied by your rivals.

What's in reality?

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

In a short article, we do not have the opportunity to consider all types of passive income - there are very, very many of them. Variants of it are offered to us today by the media, and the Internet has been and remains their irreplaceable source. We want to conclude our material with important tips.

A few parting words

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

The principles of creating passive income do not contain any special secrets. If you are firmly committed to success, have the necessary minimum knowledge and some free time, the result is likely to please you sooner or later.

Each of us dreams of financial independence. However, for the most part, we are forced to actively work from paycheck to paycheck, feeling the eternal fear of losing our job as our main source of income.

Meanwhile, there are options for so-called passive income, for example, we described in detail. Such earnings do not depend on current activities; funds are credited to the account thanks to thoughtful investments made earlier. You can lie on the beach and earn passive income as the only source of funds, or you can work peacefully in the office, simultaneously receiving a pleasant increase in income and not worrying about possible job loss.

Today's selection presents the best sources of passive income. Of course, most of the ideas from the top 10 require some starting capital, but there are also ways that allow you to lay the foundation for future income without investment.

Unlike bank deposits, such investments bring higher income. However, the risks here will be much higher. Credit unions and trust funds do reallocate capital, allowing the money to work and generate income, but only if the fund's management invests it wisely.

Investments in securities can bring a stable income if the investment is made by a specialist. Therefore, such investments require at least minimal knowledge of the state, trends and laws of the securities market. Otherwise, it is better to entrust the funds to professionals, paying attention to mutual funds, which will be discussed below.

8. Passive income on the Internet

– an investment project created according to the principles of a financial pyramid, operating on the Internet. The income of investors consists of funds from newly attracted investors. Investing in HYIP will not allow you to relax - in order not to lose everything, you need to regularly monitor the status of the project.

7. High-yield investing

If an investor is not attracted to independently purchasing shares or playing on the currency exchange, then the funds can be invested in the most or transferred to an experienced trader. Naturally, for their services, the owner of a PAMM account will retain a commission on income, but professionals have a better understanding of the market and know the most profitable ways of investing.

6. Play on FOREX

To play FOREX, you need to undergo minimal training to master the principles of trading. In addition, participation in trading requires constant attention, which makes income no longer completely passive. However, when financial literacy is combined with a certain amount of intuition and luck, fortunes can be earned on FOREX.

An excellent option for receiving passive income, however, it requires significant investments at the initial stage. After all, not everyone has real estate to rent out. If there is an object, then it can provide a stable income from several tens to several hundred thousand rubles per month.

4. Creating your own business

If at the starting stage a new business requires full dedication of effort and time, then over time a successful business can work like a well-oiled machine that does not require the constant presence of the owner. we presented earlier.

Websites allow their owners to earn money by advertising. However, in order for an Internet page to become a source of passive income, it must be filled with interesting and useful content, promoted online, and then maintained in this state.

Unlike a bank deposit, mutual funds offer higher income. True, the risks here are higher, however, you can entrust funds to professionals, as well as determine an investment strategy. As a rule, large companies offer several options for mutual funds - from the most reliable with lower income to high-risk, but more profitable.

1. Bank deposit (Deposit)

The list of sources of passive income is headed by the simplest and most understandable way of investing. Currently, deposit insurance covers funds in the amount of up to 1,400 thousand rubles. If you plan to invest more money, then it is better to distribute it among the most.

Due to numerous requests from readers... So get ready, pour yourself some tea or coffee, make yourself comfortable - this will be a voluminous, but very useful article! 🙂

How would your life be different if you made a few hundred or thousand dollars a month without actively working?

Perhaps you could get busy which you have always dreamed of. Maybe you would travel more around the world. Perhaps they would move to live in another country with a better climate and quality of life. Some would spend more time with their family and take more care of their health. And someone would combine All the above! And passive income just allows you to realize these ideas.

The idea of ​​passive income is so attractive for people all over the world precisely because it allows a person do more of what he likes and minimize what he doesn’t like.

Clarification

I want to immediately clarify one point - I have not come across any “passive” income. Almost every passive income requires some work, at least in the beginning, after which it can generate income for a very long time without requiring your active involvement.

So, let's look at the main types of passive income.

Rent out real estate

You can purchase residential or commercial real estate for rent, or you can rent out the property you already own (for example: an apartment, house, cottage, garage, basement, attic, etc.). You can even rent out part of your home (for example, one of the rooms, using the service . You can get confused and pass through).

Rent out your home and move into a rented one yourself

Don't want to share your home with anyone? You can rent out your own, more expensive housing, and also rent another, but cheaper one yourself. The difference in these rents will be your additional passive income.

Sell ​​your accumulated trash and junk

If you think that these are pennies that are not worth spending time on, look at how my wife and I for thousands of dollars! Many of these things have been stored since student days and have cluttered our house for years.

Turn your car into a means of earning money

You can rent out your car to taxi services, or you can use it as an advertising medium. Similar services have been present in big cities for a long time.

Deposits

Deposits are one of the easiest and an understandable way for the population to save money and earn passive income. It's simple - you give the bank your money for a certain period, for which the bank charges you interest. The return on deposits is usually low and does not cover inflation, therefore, this method of earning money is only suitable for short-term strategies.

If you know a subject (no matter what topic!), write an e-book and sell it on your website or on special platforms for selling e-books. Writing a book takes from a few days to 2-4 months, but once you write it and post it on book platforms, it can provide you with passive income for years.

Create a video training course

The idea is the same as with an e-book. If you are an expert in some field, record a training video course and sell it on special educational platforms (see the complete list of platforms for creating video courses ) or on your website.

Create or buy a ready-made online store

If you already have goods for sale or you know how to arrange supply, sales and delivery, it’s time to think about your own online store. There are services that allow you to automate delivery, storage, accounting, sales, payment acceptance, discounts and promotions, and even marketing.

Start your YouTube channel and make money from advertising

You can shoot simple videos (including on a mobile phone) - music, educational, comedy, movie reviews, equipment - anything!YouTube will show people ads before or while playing your videos, and you will receive money (with monetization enabled and AdSence connected).

Earn money from advertising on your site

If you have your own website, you can (should) enable advertising (AdSense or any other). This is done in different ways (read on the Internet) and is generally very simple. People come to your site, read or watch something, and are automatically shown an ad. You get paid for views and/or clicks from your readers. See examples of advertising at . Subscribe to my articles to see how it works in the articles :).

Credit card bonuses - No No No!

My readers know very well my opinion about plastic cards - do not deceive yourself with the attitudes “I pay off the debt on the card every month” or “I earn miles or cashback” and other nonsense. Just ask yourself the question, from what…. does the bank give you free money, miles, cashbacks and other goodies? 🙂 I explain in detail here: In a nutshell, try to get rid of this source of “income”, because... in the end you will lose much more than you earn. Trust the person who had more than 20 mega-cool cards))) Also read and watch:

Do you like photography and are you good at it? Then you can sell your pictures or videos through photo banks such as Shutterstock, Depositphotos and iStockphoto You will receive a percentage or flat rate for every photo or video sold through these photo banks. You upload your photos and videos to one or more platforms, and that's where your activism ends.

Microloans - NO NO NO!

Microloans are a disgusting tool for robbing financially illiterate and desperate people. People take a small amount “before payday” at 100-200 percent or more per annum, thinking “just think, the interest will be only 500-1000 rubles. It’s just pennies.” There are platforms that offer you to become a lender and receive a certain percentage from it. I won’t give links because... I am categorically against earning money that drives other people into a financial abyss.

Accelerated repayment of loans and debts

Every penny you pay to the bank is a penny that could be (passively) making you money! Debts, like termites, devour and destroy the financial well-being of a family. It is important to understand that for every dollar (ruble, etc.) returned ahead of schedule, interest will not accrue (for months or years in the future) and all these months or years you will be able toearn interest yourself rather than pay it to the bank.

Example: If instead of a 20-year mortgage, in the amount of 3 million rubles. (~ 50 thousand dollars. This is a studio or one-room apartment in St. Petersburg), taken for 20 years, at 12%, set aside the same money that you will pay monthly to the bank (the monthly payment will be 33 thousand rubles), at, say, 8% - in 20 years you would have accumulated an amount approximately equal to 20 million rubles (~300-350 thousand dollars) due to ! This amount would be enough to provide you with an income of 1.5 to 3 thousand dollars for the rest of your life per month! With that kind of income, you could live well in any country from east to west! By the way, this amount would put you in the 5-10% richest people on the planet! Make sure of this .

Change jobs

If you are sure that you are being paid below the market, attend interviews and change jobs! Thus, you will provide yourself with additional income for many years in the form of the difference between the old and new salaries. This can be very scary to do, because... We, people, become attached to the team, to the work being done, to status, to various bonuses, to stability, etc. We are afraid to take risks and change something. However, every fear has a price! If you're losing hundreds or thousands of dollars a year, it's time to stop being afraid and start taking action!

Ask for a raise

You can change your job for a new one, or you can ask for a raise. If you find out (and don’t just think so) that you are objectively worth more, if you bring value to the company that you can evaluate and show to management, if you are not easy to replace, ask for a raise. Read: .

Get everything from the state!

Take everything from the state what it provides by law. You may not pay (that is, you will return this tax to your family) tax on purchased real estate (up to 260 thousand rubles or 4,300 dollars), for interest on a mortgage (390 thousand rubles or 6.5 thousand . dollars), for training and treatment, etc.

My wife and I, for example, used tax deductions when purchasing real estate. This returned 130,000 rubles to the family (more than 5 thousand dollars in old money). We received all possible benefits for children, including maternity capital (450 thousand rubles or 7.5 thousand dollars).

In addition, you can getsubsidies(compensation) from the state to pay for communal services, to create/develop a business, payments to mothers under Maternity Capital certificates, try to get preferential housing (for some categories of citizens),social benefits for the birth of a child, etc.

You can buy a blog or a ready-made online business

Thousands of blogs and online businesses are created every year, and many of them end up abandoned after some time. If you can find and purchase a blog/online business with a sufficient flow of visitors, then you can make good money from it. Blogs typically sell for 24 times monthly income, giving a 4.2% (100/24) return (typically in dollars) - which isn't very high, but not very low, considering the rates on dollar deposits in banks. Plus, a blog or online business can be developed and earnings increased.

Participation in reviews, clicks and other online manipulations

Many advertisers pay money for certain actions on the Internet, such as: click on a link, leave a review, like, repost, fill out a form, etc. Accordingly, there are services (eg seosprint, v-like.ru, socialtools.ru, sarafanka.com, prospero.ru, smmka.ru, etc.), which can automate the process and connect advertisers with people who want to earn money in this way. However, calling such income passive can only be conditional.

Stock

A share is a A security that gives its owner the right to a share in the company and to receive part of the profit in the form of dividends.

Company shares can be purchased through a broker. The entry threshold is usually very low. Earnings will consist of two components - the increase in the value of the stock (bought cheaply and sold more expensive) and also from dividends that companies (though not all) can pay to the owners of their shares. However, I do not recommend that non-professional investors buy shares of individual companies, because... Without significant experience and knowledge, such purchases will be similar to betting in a casino. The best solution for an inexperienced investor would be mutual funds or structured products offered by brokers. Such funds/products include many stocks, so a sharp drop in the value of one share will not significantly affect the decline of the entire fund/product.

Bonds/bonds

A bond is a fixed income bond.Essentially, it is a loan agreement between a lender (usually national governments, municipal governments and private companies) in which you lend a certain amount, for a certain period and at a certain interest rate.

The riskiness of this instrument as a rule, very low, but the profitability is also low. However, you can (often) make more money on bonds than on bank deposits. You can also buy bonds through a broker, but the entry threshold can be high, from a couple of thousand dollars.

Mutual funds

mutual funds or Mutual Investment Funds are a pool of money from a large number of investors (like you, for example), which is managed by a management company in order to increase the value of this fund.

Mutual funds can be selected to suit every taste- industry, “blue chips”, etc. The value of your share (the part you purchased in the fund) can go into deep minus and rapidly grow upward. Therefore, this is a long-term instrument, for investing for 5-10 or more years. The entry threshold can start from several tens of dollars or thousands of rubles.

ETFs and index funds

In developed Western markets(for example, American or European stock markets) you can invest in ETFs ( Exchange Traded Funds ) or to index funds (the same ETFs linked to a specific index). These instruments, as a rule, are tied to a certain type of asset (for example, blue chips, shares of fast-growing companies, oil sector companies, stock index of the largest American companies (for example, S&P500), etc. There are a great variety of them and you can choose to suit every taste and attitude to risk!

There are also ETFs on the Russian stock market, incl. denominated in dollars, but the choice is terribly small (there are about 15 of them at the time of writing this article).

You can buy these instruments (in Russia) through brokers, which provide access to foreign markets and instruments.These are very cool toolsallowing you to earn 5-10 percent or more in dollars and get rid of country risk, which is very important for you and me :) Like mutual funds, ETFsThese are long-term instruments designed for investment for 5-10 years or more. The entry threshold is from a couple of hundred to several thousand dollars. These are my favorite passive income tools!

“A dollar saved is a dollar earned!” B. Franklin.

Perhaps none of the methods described above suited you, but there is one way to make money that is available to everyone! This . Saving on yourself is unpleasant. However, saving is “smart” when you save money, but do not noticeably change the lifestyle to which you are accustomed - even exciting and reckless. Hundreds of smart saving ideas .

Investment in yourself loved one!

In all my materials I write and say that money is always a tool (like an axe, hammer or brick), but not an end in itself. Therefore, the most inexpensive investments with the highest short-term and long-term returns are investments in yourself, such as:

- investment in relationships with your spouse, children, relatives, friends. For example, an unsuccessful marriage can put an end to all your investment desires for years and decades and ultimately ruin you. What do you do to keep your relationship alive?

— investments in health- these investments bring income, ranging from savings on the costs of doctors and medications, and ending with the fact that a healthy body greatly affects the health of the “brains”, your thoughts, mood, motivation, which, in turn, affects everything in including the ability to earn more and invest better. Watch me play sports for free.

- spiritual development- we, as a rule, leave this aspect to the very end, although in life it is almost the most important. Your spirit, your mood, your attitude towards life and other people, your life goals influence everything!

What type of passive income should you choose?

Not one alone!None of the tools described above separately will be the right and good solution for generating confident and reliable passive income. Remember - “don’t keep all your eggs in one basket”! As a rule, it is necessary to combine some the tools described above. Something like - part of the assets in cash, part in bonds, part in real estate, part in mutual funds/funds or structured products. At the same time, part of all assets must be in the national currency, and part must be pegged to (for example, the dollar).

Test before invest!And one more thing - no matter what you choose - “test before invest” & “try small” - which means “test, then invest” and “try on a small scale”. You don’t need to use all your money to buy one instrument (for example, shares of a company or mutual fund) that you have not tried before. Buy it for a small amount, try it, make sure everything works well and then increase your investment in this or that tool.

Break down the risks over time!An additional strategy could be to enter a particular instrument gradually - for example, buy such and such an ETF for a certain amount every month. This will help you reduce (but not eliminate) the risks of getting into a bad instrument and losing money.

When should you start creating passive income tools?

The earlier the better! Preferably from school, student, or at least your first job. But, if you haven't done it then, it's never too late to start doing this. It’s just that the sooner you start, the more powerfully (in your place) compound interest will work, whose power grows like a snowball, only after some time. Read the amazing story of Susan, Bill and Chris and you will understand what I mean.

BUT! There is one limitation.I recommend starting to invest only AFTER how you pay off all debts (except the mortgage) and create equal to 6 monthly income (or expenses, if that’s easier for you:). And only after that you can and should engage in investments, making money, etc.

One of the most effective tools for solving these two problems (getting rid of loans and forming a fire reserve) is.

Conclusion

As you can see, there are many types of passive income. Some are very easy to understand and cheap to get into, some are a little more complex and more expensive. You don't need to limit yourself to one tool and you don't need to try to fit into too many of them.

The main thing is not to “sit” forever in the asset, who earns less than inflation (like cash under your pillow or money on deposit), and learn to invest your money in profitable (and passive) instruments. And then, one day, your passive income will start earning more than active income, and you will be able to do what brings you joy for the rest of your life!

It will be useful!

Call to action

What can you do right now? Two things:

First.On your own or with help, make an annual budget for your family, set yourself the goal of “expeditiously paying off all debts except the mortgage” and “forming a Fire Reserve” of 6 months and make these two goals part of your budget.

And the second one!Meet with 2-3 large brokers in your country and city and ask them to tell you about the tools described above, taking into account your financial capabilities and risk tolerance. This conversation will be very useful and will charge you with the necessary motivation to engage in passive income!