Where to invest 100 thousand, to turn them into a million
Get Rich / / December 20, 2019
1. financial cushion
Airbag - the key to a more or less peaceful life if suddenly tomorrow you will be out of work, ill or will be taken in any other situation where not interfere with the free money.
Set aside funds from each paycheck until you get an amount equal to your income for three months. For example, if you get 40 thousand, it is necessary to collect 120 000 rubles. Take 100 thousand and 6 months open contribution to the bank at the rate of not less than 6%. Each month, more throws to 5000 rubles. The result is 128 000 rubles and kopecks. If you open a deposit for a two-year, typed 235 000 rubles - almost two times more than necessary.
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2. Securities
Trading on the stock exchange - not nuclear physics. The main rule: choose reliable brokers are investing for long, so as not to twitch due to temporary fluctuations in share prices, and do not mess with the investments, if there is no free money.
100 000 - quite a decent sum to invest on the stock exchange. Divide the money between stocks and bonds, and the remaining purchase currency. And be prepared to wait: instant profit will not, from time to time the share price will skyrocket, then plummet. This is normal - even after the market leveled serious crises.
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3. Art and antiques
Start a collection can be a promising works by contemporary authors. Study trends: so you will be able to assess which of the emerging artists able to "shoot" in the future.
You can earn even on a random finding. Thus, a lover of antiques acquired on the occasion of a little battered teapot without a lid for only $ 20. It turned out that it is the product of an American potter John Bartlema, whose products - a rarity on the market. As a result, tea, made in the XVIII century, was sold at auction for 800 thousand dollars.
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4. Private business
Risky, but promising idea. Look to business incubators and technology parks: perhaps among many startups, you will find one that will take off and bring profits.
First, the business needs to be simple. Service, solve the pressing problems - yes, but sucked from the finger idea of the type of innovative nanofilter - probably not.
Second, the bad will happen if the young company is going to go to a big market, but not be limited to the decision of a narrow segment of the consumer problems. Not the fact that they will succeed, and your money will not return.
Do not get fooled by the sweet promises: Check the financial statements of the future partner, and his experience in the business. If all goes well, feel free to invest.
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5. Pension
After a few decades, you'll be glad you are not squandered tramp to you in 100,000 hands, and put money on deposit or entrust them to private pension funds.
Suppose you now 30 and retired, you are planning to leave in 60 years. After that, you're going to live another 10 years. In a month would be nice to have at least 30,000 of additional income - 3.6 million rubles for 10 years more or less decent life.
Each year, of the remaining thirty you have to put off for 120 thousand - it is 10 000 per month. 100 thousand rubles will be an excellent foundation for savings.
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6. exchange-Traded funds
They - ETF, Exchange-Trading Funds. This is a set of securities of different companies. Buying a share fund, you are, relatively speaking, acquire a share of this set.
On the Moscow Stock Exchange can acquire shares FXMM - money market fund. A great option for those who agree to let a small but constant profit. In the period from January 1, 2017 to January 1, 2018 value per share increased from 1302 to 1408 rubles. Now you can buy one share for about 1414 rubles - for the 100,000 will share 71 if pay 400 rubles.
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7. The individual investment account
Puts money in the account and keep them there for at least three years, and the tax provides you with two choices deductions. You can return 13% of the deposit amount for the year (but no more than you paid personal income tax) or release their income from income tax. The yield is guaranteed, and the actions required of you at least.
For example, if this year to open an individual investment account and put to 100 000 rubles, the next year the state will return to you 13,000 rubles. This plus the fact that you earn during the lifetime of the account. If you are planning to invest in a minimum of three years, and for a long time, select the option with the release of earnings from income tax - so it can get favorable.
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8. precious metals
You can buy bullion coins to purchase or send money in unallocated bullion account. By the way, to buy the metal via MHI 18% more profitable than to buy gold or silver bullion.
100 000 can buy 20 grams of palladium, and 20 grams of platinum - these metals are gradually rising in price. The remaining money will be enough for another 100 grams of silver.
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9. Shares of public companies
You buy shares of Facebook, Microsoft, or "Yandex" and wait. The result is a dividend and a reason to brag to your friends - they have such actions are unlikely to have.
100 000 you can buy a set of 10 shares of Microsoft (yield for six months - a + 30.62%), 1 share the Netflix (YTM for half - + 75.42%) 5 Twitter shares (yield for six months - + 92.73%) and 9 shares "Yandex" (yield for six months - + 38.1%).
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10. cryptocurrency
The money that you can not hold in your hand, can bring more profit than traditional assets. The earning potential is worth it to spend time researching the topic. The main rule - do not invest all funds in one currency: if something goes wrong, at least some of the money you have time to save.
Fall of Bitcoin excited even those who are not planning to invest in cryptocurrency, but in fact the reasons for special concern. In the end, there Ethereum, there are das and Rippl - until they grow quite confident. Ethereum cost, for example, jumped from US $ 303 in November 2017 to 850 at the end of February.
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11. Job
Your salary will not grow by itself, so think about how to use the free money to pump their skills and secure a decent income in the future.
100 thousand rubles will be enough for a full courses or professional training. For example, in the training center "Bauman" can he specialized Java-programmer for 90 with small thousand rubles - under the condition that catch a discount. Profession web designer there can be learned in 49 890 rubles - still remain on additional educational programs.
Learn more about how to achieve higher wages →