What assets to invest in. Where to get assets? How to earn money? and Where to find business ideas? Where can you invest money to make money?

Where to get assets? How to earn money? and Where to find business ideas?

Not everyone who strives to earn a million earns it, but those who do not strive will never earn it. The main postulate in the question of how to get rich is that wealth is the result of actions, but not knowledge. A rich person is a person who has the potential for income. That is, in a broad sense, this is what brings you profit, and not necessarily only monetary. The actions of those who strive to get rich (and this is what we should strive for) should be aimed at increasing the quantity and quality of their assets.

Where to get assets? How to make money and where to find business ideas? There are two options: you can buy them, or you can start creating them. There are also rare cases, such as receiving an inheritance, but we will not consider them due to their uniqueness.

To purchase an asset, you need money. And most often a lot. This means that in order to get rich, you must already be rich. It turns out to be a vicious circle. What to do if there is no money? Then the necessary needs to be created. It is impossible to build assets or understand how to get rich without taking control of your money. You should constantly monitor your income and expenses, and spend less each month than you earn. You can also borrow funds. For example, I already wrote about starting a business.

The remaining funds should be invested, for example, open a deposit in a bank, purchase securities, etc. This reserve cannot be spent on buying a TV, a car, or on a vacation. This is your reserve - the beginning and basis of future wealth. You need to start such actions even with a small income. This kind of accounting will allow you to form the habit of proper money management.

Goal setting is also very important - it is a very powerful tool. A correctly set goal, also approved in writing, has the ability to come true. Therefore, you need to set yourself a clear goal and write it down. But what is the “right goal”? This is the goal from which it is clear what needs to be done. For example, finding 5 new clients a day is a goal, but buying a car or increasing income by $1000 per month is a wish. Wishes are always the first to come to mind, but here you need to understand what goals to set for yourself so that these wishes can come true.

We have determined how to do this. But what to do? Where to start without any assets. This is where the Internet can come to the rescue; its advantage is that it can always be at hand and accessible at any time of the day. But remember that there are no freebies on the World Wide Web and are not expected, although many people understand this when they go through a long and difficult path, encountering all kinds of scams and pyramids along the way.

So where to start your online career? How to get rich? Where to get business ideas?

There are a lot of options, but there is something for everyone. First, analyze your potential and the availability of free time. Having free time is important at first for making money online, since at the start, working on the Internet takes a lot of time. Small free funds in the form of webmoney will be a good help; although this item is not mandatory, it can speed up your career.

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• World dividends in the second quarter of last year reached a record quarterly figure of $447.5 billion, which is 5.4% more than in the previous period of the year.
• Base Height dividend payers amounted to 7.2%, which is the fastest growth since the end of 2015.

Hundreds of thousands of investors from all over the world, looking for a way to make money on stocks and securities, bet on dividend stocks to provide themselves with cash and were not disappointed. After all, there is potential for future increases in the value of capital. After all, just last year such world-famous giant companies as , Apple, AT&T and General Electric paid a total of almost 45 billion US dollars. Therefore, anyone who has a certain amount of free money in their pocket and a desire to earn money on securities can invest it profitably, ensuring themselves, if not a luxurious life now, then at least a well-fed and comfortable old age.

How to make money on stocks

Ultimately, any money that is invested in securities is designed to generate profit in two ways: earnings from exchange rate differences and from dividends. But these types of income include a lot of subtleties, which we will talk about below.

Trading shares on the stock exchange

As an example, we can take the shares of the famous giant Microsoft. By purchasing 1,000 shares in September 2012 for $29,760 (1,000 x $29.76), five years later the investor has the opportunity to sell those shares for $73,980 (1,000 x $73.98), earning a net profit of 44 $220. On average $8844 per year. The return on investment is obvious.

“Buy cheaper, sell more” - this earning algorithm is equally applicable to stocks and any other securities, foreign currency, and precious metals.

However, you can make money not only by increasing the cost, but also by decreasing ( Short). In this case, the trader borrows shares from a broker, sells them at a high price, then buys shares at a lower price and returns the difference.

But it must be said right away that only experienced and qualified specialists can make good money on short transactions. Therefore, an ordinary investor who has just begun to be interested in how to make money on stocks and securities is better off making long-term investments (at least for a year) in anticipation of an increase in value.

How to make money on stocks during reporting periods

In the international economy, there is such a phenomenon as the publication of information on the financial activities of enterprises (in particular, annual, quarterly and other reports). All companies that are listed on the stock exchange are required to disclose their reports publicly. This is done so that potential investors can evaluate the company equally.

• In order to find out when the report will be published and by which company, you can use.

Quarterly reports become a valuable source of information for investors. By the way, buying shares is not the only way to make money on them. Now we will show you an example of making money on stocks using , where you need to indicate whether the price of the asset will rise or fall in the specified period.

Simple example: the report is scheduled to be released according to the calendar Alibaba. On the company's Google Finance page, we learned that the report is released before the start of trading. Soon the results appeared on the official website:

The numbers are impressive, and the report also stated that this is the fastest growing year ever. Do you think the stock will rise or fall?

We thought the same and decided to open a trade for stock growth. As soon as trading on the stock exchange was opened, we selected the shares Alibaba:

The option expiration date was set to an hour, meaning the deal will close automatically at 5:30 p.m.:

Since we predict growth, we also indicated the option conditions UP:

If after an hour Alibaba shares cost more than at the time of purchase, even by one point, then we will receive 75% of the profit, since the condition of the UP option will be met.

As you can see, these reports can help you make money on stocks even on short-term investments.

Earnings on stocks with dividends

Many investors who are looking for ways to make money on stocks primarily consider the possibility of receiving income in the form of dividends. They are paid in the form of cash by transfer to a brokerage account.

The very next day the shares increased noticeably in price, as did our profit:

To take profit, we need to sell the shares back, that is, close the deal:

As a result, we earned $125 on exchange rate difference:

This is an example of a short-term trade that is possible thanks to leverage from a broker.

• By the way, here you can also receive dividend payments, which we talked about earlier.

Buying undervalued shares

A standard stock market investing strategy is to look for companies that are already experiencing high growth rates and will continue to do so for the foreseeable future. For investors, this means a stable and sustainable increase in share price, leading to guaranteed wealth accumulation.

But there is another approach -. Having caught the moment of drawdown of unfairly undervalued shares or invested in one of the promising “ gray horses", an investor can catch the hype and recoup his investment many times over in the shortest possible time. In simple terms, trading undervalued stocks involves more risk and a lot more money than regular trading.

Undervalued stocks are stocks that have:

• Market value is lower than liquidation value;
• Total capitalization is less than the company's book value.

The strategy for making money on undervalued shares is simple - they are purchased with the expectation that in the future the demand for shares will begin to grow and rise to an objective level. But there is a catch here - finding undervalued stocks with real prospects for growth is not so easy. This work can only be done by those who have succeeded in fundamental analysis, since technical analysis cannot help here in principle.

Most often, the assets of young and not yet very popular companies are undervalued. In this regard, early stage startups are one of the most promising areas. However, market giants are also subject to fluctuations. In this case, the task is to catch the moment of a large “ebb” in the price and buy shares at this moment.

• Renowned investor Peter Lynch described his approach to finding and buying undervalued companies in his book. He described his personal experience of earning more than 10,000% from companies such as funeral homes, garbage disposal companies, cleaning companies, etc.

Investment ideas and forecasts from analysts

Collecting data on which financial assets are best to invest in now ( currencies, raw materials, stocks, goods) you can rely not only on your own analysis, but also on the recommendations and proposals of large investment companies. They can offer both simple analysis and ready-made investment solutions.

Fundamental valuation of companies

It is impossible to determine how much you can earn on stocks without them. To predict the market value of a company and its assets, various financial indicators are taken into account, as well as the type of its production activity. The analysis is carried out both for an individual company and for the entire industry, and the main task of the trader is to identify companies whose performance differs from the rest of their competitors for the better.

As a simple example, we can consider the successes of domestic oil producing companies in 2014. The obvious advantage here belongs to the Bashneft company. While all of its competitors experience either a very slight increase in revenue (~1–2%) or a decline, this company, on the contrary, demonstrates 10.8% growth.

Such excellent results could not but affect the stock quotes of Bashneft. The first half of the year alone saw shares rise by 20.23%. At the same time, the closest competitors showed growth of no more than 2.35%.

However, we must also remember that only those companies that not only show excellent production results, but also maintain good positions in their industry for a long time, are suitable for long-term investment.

Key indicators of fundamental analysis

To find out how much they earn on the shares of a particular company, you need to use the following indicators:

• Company revenue;
• Net profit;
• Profitability.

In addition, for a qualitative fundamental analysis of stocks, it is necessary to evaluate a number of coefficients. First of all this:

• Financial stability of the company;
• Liquidity;
• Market and business activity.

It is also highly advisable to pay attention to the analytical indicator EBITDA– the total amount of profit without deducting depreciation costs, as well as the payment of all interest and taxes. Most analysts consider EBITDA to be one of the most important indicators characterizing a company's performance. However, this indicator also has its drawbacks. The main one is ignoring depreciation expenses. Many financiers believe that because of this, EBITDA does not reflect the full picture of a company's performance.

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Tangible and intangible, as well as financial resources, the use of which can provide a certain benefit over a specific period of time, which allows the investor to increase the amount of capital invested, are called investment assets.

Return on investment is achieved by increasing the price of a product or service in the future. However, not every asset can be an investment. This largely depends on how economic relations have developed in the existing society. And the IQReview team will help you understand all this more deeply.

What does investing give?

Where to start investing?

Before deciding where to invest your funds, you need to analyze your financial capabilities. You can consider different options only when you have available funds and regular income. If you invest in assets for a long period of time, you need to be prepared for the fact that they can both rise in price and lose value. Often, beginners, when there are sharp fluctuations in the value of assets, try to get rid of them. This strategy is wrong and will only lead to loss of profit, so it is very important not to give in to your emotions.

When planning investment activities, a number of points are very important and should never be ignored.

Before choosing an idea for investing your own funds in an asset, it is tedious to decide on the goal. This could be saving a pension, some kind of major purchase (apartment, house, car, etc.), opening your own business, or enrolling in a university. In other words, you need to determine the specific amount that you need to earn by investing in assets. At the same time, it is necessary to take into account that the savings goal may become more expensive, as well as annual inflation.

Determining the purpose of investment activity

You can invest money without a specific initial goal, but then you need to determine where the profit will be used. In this case, the goal will be to protect funds from inflation and the effects of external factors.

Calculation of the payback period of assets

One of the important aspects of investment activity is the calculation of such an important parameter as the payback period of assets. This parameter shows the approximate deadline when the total profit will be the same value as the initial size of the asset in which it is planned to invest. In this case, all possible costs are taken into account, such as storage, use, depreciation, taxes. Only after the payback period has ended can we consider that the investor actually receives income.

In reality, it is extremely difficult to calculate the exact payback period for investments in assets, because the world of finance is influenced by many different factors. Based on this, the calculation of the period when a full return on investment can be expected will be conditional.

This parameter is very important, because if the payback period turns out to be longer than expected, this will entail additional costs, as in the case of an overdue loan.

Will the investment be profitable?

Return on investment in assets shows the ratio of profitability to investment and is expressed as a percentage. Thanks to this indicator, it is much easier to decide in which asset it is more appropriate to invest your funds, regardless of the size and liquidity of the investment.

Investment size

Such a parameter as the entry threshold for investing funds is significant when making a decision. It shows the smallest amount of money that can be invested in the selected asset to make a profit.

Choosing the best investment

For people with average incomes, this parameter makes it impossible to effectively use extremely expensive assets. Such assets are attractive and profitable, and the risks are quite low, but investments in them must be significant, which is many times greater than the capabilities of a person with an average income.

At the same time, there are many different assets, the threshold for entry into which is quite low. This makes them accessible and effective for a wide range of investors who want to invest their funds to generate income. However, it must be taken into account that competition among such assets is much higher.

Where to look for investment ideas

Everyone dreams of investing their existing savings profitably in order not only to preserve and secure them, but also to increase them. To do this, you need to have financial literacy, which should be constantly improved by obtaining information from books, websites, and articles on financial topics. Understanding the basic terms and mechanisms of action of different investment products will allow you to wisely choose investment ideas that will be most effective and bring profit.

Only wisely selected objects for investment will allow you to make money by investing your own funds in tangible, intangible and financial assets.

Funds in assets mean making a profit, but, unlike speculative operations, it will not be quick. The invested funds are returned with a profit only if the transaction itself is profitable, but there is always a risk of losing money. At the same time, investing in assets is a more convenient business tool compared to lending, because it has no restrictions on the interest rate and repayment period. Investments in long-term assets should not be viewed simply as a source of profit, but as a value, as shown by the difference between the market value of equity and liabilities.

Video on the topic: Where to invest money in 2018

I decided to touch on a rather interesting topic, about assets and liabilities, and also a little about.

Financially successful people never live on a salary, even a high one. Only a competent policy in the field of asset formation can help you reach certain heights in business. Investing in assets can guarantee you a constant income.

What are assets?

Most adults work and receive wages. If a person stops working, he does not receive money. A person's dependence on work is built. And the size of the salary does not matter. The higher it is, the higher and stronger the dependence on it.

A person with a large salary increases his opportunities and demands, and the opportunity to obtain loans appears. And to avoid such a not very pleasant dependence, you need to have an idea of ​​​​your assets.

An asset is usually called a certain resource that provides you with regular income. And assets cannot be equated to wages.

If you lose your job, your assets will still provide you with income. Your asset can be a rental apartment.

What are liabilities?

In fact, there is nothing complicated about this concept. If something brings you income, then it is an asset. If not, then it's a liability. The apartment we live in is a liability. Or the car in which you ply the roads of your hometown. As soon as you start renting them out and receiving income, it immediately becomes an asset.

Why is it profitable to invest in assets?

Try to figure out for yourself whether you have more assets or liabilities. If you have a higher return on assets, then you can safely relax, quit your job and get active or active.

If your assets bring you as much as your liabilities take, then you need to consider whether the situation can be changed.
But, as a rule, liabilities always outweigh assets.

It turns out that if you do not invest money in assets, then you spend your whole life working on liabilities. And you will never be able to achieve financial independence from your own state or company.
There are real and intangible assets. Real are land, various funds, construction, reconstruction and repair, everything related to the expansion of production. Various experiments, research, and licenses are usually called intangible assets.

About the difficulties of investing money in assets

Any investment involves some risk. Naturally, it may be different. You risk the least by investing your savings in anything related to increasing production efficiency, as well as in forced investments. Your greatest risk is when new production or research begins.

You can invest your money in different ways. For example, open a bank deposit. But in this case, the income will be equal to inflation, so it is a very weak asset.

On the other hand, you risk virtually nothing. You can purchase shares. In this case, the higher the income, the higher the risk. You can invest in real estate and get a lot of income from it. But if your new acquisition is locked up, it's not an asset. This area needs to be either rented out or used for business development.

What percentage can you get as a result?

It all depends on what you decide to invest in.

As you already understand, while I'm studying

Hello! Today you will learn how to make money for a beginner at home and more.

In this article I will give you many different ways to earn money. All the methods listed below are working and have been personally tested by me.

Reselling goods on bulletin boards

This way of making money really works because many people do not know the real cost of goods or simply sell cheaply in order to get rid of this or that product faster.

Many collectors look for unique items in this way and are willing to offer good money for them. You won’t believe it, but things left in grandma’s closet can benefit someone else, thereby freeing you from junk and bringing in a good profit. Soberly evaluate the old things in your pantry and you will certainly make money by selling them. Perhaps somewhere in the bins lies the first Soviet camera, a Singer typewriter, a tablecloth with unique embroidery, or a record player.

Some photo studios, as well as theaters and even hand-makers look for goods in this way and are happy to buy interesting retro items.

On Avito you can find many things that are sold at a reduced price. You just need to buy them and sell them at a higher price, and the difference in price is your earnings!

I’ll give you an example from my life, because I’m talking about proven methods.

One day I accidentally saw how much moose antlers cost, the average price was 5,000 rubles. Then I found the horns on Avito for 3,000 rubles, bought them and after 4-5 days they bought them from me for 5,000 on the same Avito. I just made a better photo and description. Net profit 2000 rub. in 5 days. I agree that it’s not enough, but if you do this fully, you can sell more.

Also, I tried to buy MacBooks in Moscow with Avito, and sell them in my city, because in our city there are few advertisements and they are more expensive, but in Moscow there are many and the prices are cheaper;) The conclusion is simple - you can make money!

Shipping and payment:

• In your city, you can make a sale through a personal meeting. Orders can be sent to other cities by agreement. But most often by Russian Post. Transportation costs are most often borne by the buyer. But again, as agreed.
• Payment can be accepted either by transferring funds to a bank card or to an electronic wallet.

Selling goods from abroad

This is also an excellent option, which I have been doing and continue to do, but on a more official and large-scale basis. Now there are opportunities to buy goods from Taobao, Aliexpress, 1688 etc.

Almost everything is cheaper there. You can simply buy there and sell on the same notice boards in your city. You can order from Ebay and Aliexpress to absolutely any city and any country, so this type of earnings is available to everyone! I have tried to sell many products, but now I am focusing on bags from China, but more on that later.

My friends sell phone cases, other friends sell unusual gifts and home decoration, and still others sell iPhones and other Apple equipment. So try it too ;)

Provision of services

We all know how to do something, and these skills can be easily sold. If you know foreign languages, then you can teach it to others. Or, for example, you know how to repair plumbing, so why not do it for money.

Today, more and more girls prefer working with a flexible schedule. What could be better than not regulating your working day yourself? In the service sector, you can make good money from hairdressing and make-up. Having completed special courses, more and more girls I know are making money doing manicures, depilation, hairstyles and makeup, preparing girls for important events (weddings, anniversaries, graduations, etc.). Providing your services is a great way to make quick money.

How to make money from this? Easily! Just start telling everyone about your services, make your own website, place an ad wherever you can and everything will go well for you;) But what am I telling you...

For those who are interested in this topic, I wrote an article on how to get started. Read it, everything is explained there step by step! I also provided services for website development, setting up contextual advertising and much more.

How to make money on a website or blog

It’s easy to make money on the Internet, the main thing is to decide on your niche: your website, blog, online store, selling goods from a one-page website etc. But more about everything.

This is one of my favorite activities and for me it is not only a source of income, but also a favorite hobby. I am happy to run this blog site that you are on now and write articles for you, this is truly my hobby. Also, I had and still have blogs to earn money, on which I earn money from advertising, affiliate programs, and so on.

A blog differs from a website in that most often it is tied to the personality of the author, his worldview and life position. It is worth noting that these are the blogs that are most popular. But not the last place in their promotion is occupied by SEO optimization. Read more about this in the “Business Promotion” section.

Blog is an information site where you write interesting and useful articles on topics that interest people. If your articles are well written, search engines show them in search results, thereby giving you visitors. But you can also promote your blog yourself.

When you have a lot of readers on your blog, you can easily make money on it from advertising, from affiliate programs, or from posting links and paid articles. This is a working way to make money online.

Additional part-time jobs

If you work or study and your schedule allows for additional work, do not miss this opportunity. Me too, when I was a schoolboy and student and also worked part-time to earn money.

You can babysit your children or work in a store doing loading and unloading jobs with pay at the end of the day, or you can do work in your main field of activity. Roughly speaking, “to the left,” but not to steal, but to the left, to serve some clients yourself, and not in the company for which you officially work. There are also many options for courier and all sorts of general labor positions.

• If you are a student at the Faculty of Foreign Languages, then your knowledge is quite enough to give additional lessons to schoolchildren. The modern approach to teaching foreign languages ​​through Skype lessons is an excellent opportunity to recruit a group of students not only in your city, but also in other areas.

You can package your knowledge into a training course and thus sell it, getting good money from it. If the information you collect helps someone, it will quickly spread among potential clients.

• As an additional income for successful people, during a financial recession, you can organize the sale of seasonal goods: “anti-freeze” in the autumn-spring period or flowers, on the eve of the spring holidays, as well as live and artificial Christmas trees a couple of weeks before the New Year.
• If you inherited an apartment from your grandmother, then in order to earn money to repair it, you can, at first, rent it out on a daily or monthly basis.
• If you live in a resort area, then organize a business for tourists. Tents with souvenirs and goods of local origin (honey, fish, sweets) will allow you to earn decent and real money during the influx of tourists.
• And if you are the owner of a luxurious premium car, then why not offer your services to the newlyweds to accompany them on their special day to the registry office or banquet hall.

Receiving dividends or interest on deposits also refers to additional income. But first they require some investment.

Open your online store

After I started selling from China, I soon opened my own online store. Thus, the second point of this article can be legalized and turned into a full-fledged business. An online store is quite a profitable business, it pays for itself quickly, requires small start-up investments and is quite simple to organize. Overall, you can make a lot of money! At the start, you can work alone or with your spouse, as I did. When turnover increases, you can think about hiring employees (call center, driver, loader).

Now everyone is very actively buying on the Internet, besides, you can test a niche on some goods by first purchasing a small batch and selling it on Avito (point 1).

I already wrote an article about how. You can sell almost anything in an online store!

Sell ​​products from one-page sites

Through sales through Landing page you can earn a lot of money faster than with an online store. The whole point of making money is that you analyze demand, select a product to sell, test it for sellability, create a one-page landing page and sell it all over Russia. This type of business is trending now!

Handmade

In continuing sales in online stores and on bulletin boards, it is worth mentioning that you can make various products with your own hands and sell them. There is a project called “Masters’ Fair”, where they sell similar goods and buy them very well.

You can also sell your homemade products in an online store, on social networks and on message boards. Many people like something different and this theme works very well. Therefore, if you know how to make something or are a jack of all trades, then this is your way of making money!

How to make money freelancing

How you can't make money

Well, now I’ll tell you about ways in which you will never make money.

Be careful! If you are looking on the Internet for ways to make money, then you often come across advertisements for some kind of quick money-making, such as pyramids, MLMs, get-rich-quick schemes, and so on. Don't believe it! In many of them you are asked to invest a little money, then invite friends and acquaintances and earn money for each person who comes. To a greater extent, these are deceivers, in some cases you will sell crazy goods at high prices (they often do this in MLM), the pyramids will collapse and you and your friends will be left without money.

There are also all sorts of sites offering gold trading, but all this is a lie and the earnings there are not from gold, nor from invited people. In general, where you are asked to pay money to join somewhere and then invite people, then most often this is a scam. Just remember one thing... there are no get rich quick schemes, they simply don’t exist and that’s it, it’s a scam!

You can't make money by risking your health. This includes making money by donating blood, donating cut hair, and other absurdities and experiments that can be offered to you for money. All this is not worth it. You will receive little money, but the consequences can be very different.

Making money on computer games. If you are a schoolboy or a slacker, then of course you can try to make money on it. But it is important to understand that you can spend a lot of time on this and still not achieve results.

Conclusion

Perhaps I have not listed all the ways to make money, but I have listed what I am really confident in and tested on myself, what helped me out in difficult times, except for hand-made ones. But more importantly, I warned you about all sorts of scammers in the last paragraph.

Let's use our brains! Only your ingenuity will help you make money quickly and easily! So let’s use our imagination and go ahead! At one time, sellers of “sea air” and “medicinal” mud made decent money from tourists. A good razvodilovo - good money!

It's never too late to learn! If your career has reached a dead end, you feel hopeless, then perhaps it’s time to radically change your life?! Get additional education or take advanced training courses, learn something new, fortunately, today it is easy to do, even without leaving home, through online learning.

Saving. Sometimes all you need to do to make money is simply cut down on your expenses. Have you tried counting your monthly expenses? I advise you to do this and you will be horrified at how much you spend on unnecessary things.

What is left for you now? Try yourself in everything possible! The main thing is not to sit still, but to constantly move forward and do, do, do, then everything will work out for you! Think bigger, take risks, create your own business, test niches, generally move, and don’t sit still;)

I look forward to your additions, objections and questions in the comments! Thank you for your attention!