Modern technologies, the information world, developed trade and other similar things open up an interesting opportunity for a person – to have passive earnings, once or periodically investing in any field of activity.
What you can count on
No need to associate the phrase “passive income” with “freebie.” Its size will be directly proportional to the efforts that people put into the promotion of the case. The organization of passive income is a complex process that needs to be approached not only with enthusiasm, but also with the mind, certain knowledge and attitude to work hard the first time.
Dmitry Miroshnichenko, the head of Botan Studio, says: “It all depends on how much you are willing to spend time and money on your earnings. For two years and 1 million rubles, I managed to reach an income of more than 200,000 rubles a month. I devote 4 hours of work to my asset per week and consider it passive. ”.
1. Bank deposit
One simple way to make money work is to put it in a bank. Before you do this, decide on the size of the amount, term and choice of bank. The conditions for deposits are different and they should be carefully studied. Find out whether it is possible to extend the term of a deposit, replenish, partially withdraw funds without loss of interest, frequency of interest payment (monthly or once a year), whether interest is summed up with the principal amount (capitalization) and conditions for termination of the contract.
This way of passive income is reliable. There is no need to waste time. Simply take the money to the office and wait. But it will only be possible to make substantial money if you invest several million. The stakes are low. Now they range from 4 to 7%. This means that with 100 thousand rubles. you will earn only 4 or 7 thousand per year.
There is a convenient deposit selection resource that we recommend. It is called sravni.ru. There you can quickly find the bank you need and see all the conditions without looking at dozens of pages on the Internet.
2. Investing in the stock market
By investing in the stock market, you can increase earnings multiple. Many manage to earn income by investing there available free money. But this requires basic knowledge. You must be able to analyze companies for the purchase of their shares..
You can earn in two ways:
- On the difference between the purchase and sale of securities.
- Receive dividends while remaining the owner of the shares.
The risk is higher than that of bank deposits. This requires more time to analyze and track processes, at least once a quarter. Experienced investors advise collecting a portfolio of 10-12 companies in equal proportions. Combine high-risk and low-risk assets. Invest long-term (from 3-5 years).
If you are not ready to spend time studying the issue, then invest in mutual funds (mutual funds). Their meaning is that the investor trusts their money to professionals who themselves will choose the assets to invest, trying to increase the size of the initial investment.
3. Investing in startups
There are two options:
- Invest in some attractive team with a promising project directly.
- Use crowdfunding sites (collective funding sites in startups).
The first option for experienced. He is more risky. After all, here you can’t do with a small amount, and your analytical abilities may not work under the influence of external and internal factors. The second option is suitable for everyone. You can invest any amount on which the size of the percentage of payment will depend.
4. Rental of housing
With apartments, everything is clear. No worries and problems – every month tenants regularly pay the necessary amount, from which it remains to transfer money for a communal apartment. The main thing is that guests should be solvent and adequate.
If there is no apartment, but there is an extra room, you can try to rent it out through Airbnb. The option, of course, is more suitable for sociable people than for introverts. So think about yourself first.
The third option, as with crowdfunding. There are services that allow you to invest in real estate collectively, for example, aktivo.ru, but the entry threshold remains high.
5. Selling photos and videos
If you are a photographer or a videographer, then you can monetize your efforts not only by shooting clients and weddings. There are special photo banks for selling images and videos. Most Popular Istockphoto and Shutterstock.
The essence of services in the sale of original and copyright images. To begin to receive passive income, therefore, you need to: get acquainted with the level of competition and the topics of the photo, create an account, fill it with your photos or videos, wait for someone to buy your creative. Do not forget to carefully read the terms of payments and work with services.
7. YouTube videos
YouTube’s video hosting is very popular among the people. Everyone has the right to open their own channel here and upload videos for viewing. The more interesting they are, the more humor, creativity, useful information they have, the more chances that they will be found by the audience, subscribe to the channel and watch new recordings.
When there are a sufficient number of subscribers or just regularly watching videos of people (preferably at least several thousand, and preferably tens of thousands), you can safely use the Google AdSense affiliate program. Rather, this option will be semi-passive earnings, like any other form of blogging, as this requires regular feedback and time..
6. Affiliate Programs
An ordinary person can work with large brands, generating customers for them. It will require knowledge of the placement of online advertising and its purchase. Search engines, social, teaser and banner networks provide advertising offices to anyone and serve as sources of traffic.
You do not need to search for advertisers. Register in one of the affiliate networks, for example, in Admitad. They give a lot of offers on online stores, online games, banks, travel services and mobile applications. Choose your favorite company, leave a request and then set up an advertising campaign in one of the above sources.
Each affiliate program has its own conditions, rules and types of received traffic. For one client who bought the product, filled out an application or registered on the site, you will receive a fixed amount or percentage of profit.
8. Website development
The essence of the method is simple – you need to create a site, fill it with unique material, attract visitors (more is better) and monetize. It sounds simple, but in fact, each stage announced requires a lot of effort..
- When creating a site, it is important to choose a good platform, engine, choose a stable hosting.
- Unique content is also an important parameter of website promotion. You will have to create it yourself, or buy from other authors.
Acquaintance of search engines with the site will take time, getting posts in the TOP of the issue will be delayed. When all this is successfully completed and on the visit counter you will see an indicator of 100 visitors per day – feel free to install the advertising network on the site and start making money.
If you do not want to spend efforts on the development of the site and its promotion, then look at the solutions on Telderi. There you can buy a ready-made, profitable project.
In custody
There are a lot of options for organizing passive income. In the article we mentioned only the most realistic, understandable to the majority. Each of them has its own advantages and disadvantages..
Dmitry Chernov, chairman of the Orenburg branch of Opora Rossii, summarizes: “Passive earnings are the dream of many progressive citizens, praised by Robert Kiosaki and other trainers traveling around the world. To create passive income you need money investment. Set aside funds from salaries, bonuses, sales of unnecessary items, etc. Put money away on your account, card or bedside table for parents. Save up. And never invest in pyramid schemes, suspicious projects that promise high interest and a sweet life. ”.
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How secure are bank deposits and what measures are in place to protect the funds in case of financial instability?
Bank deposits are typically considered secure due to various measures in place to protect funds in case of financial instability. Most countries have deposit insurance schemes that guarantee the safety of deposits up to a certain amount in the event of a bank failure. Additionally, banks are required to hold a certain amount of capital to ensure they can meet their obligations to depositors. Central banks also provide liquidity support to banks in times of crisis to prevent widespread financial instability. Overall, while no investment is entirely risk-free, bank deposits are generally considered safe due to these protective measures.
Bank deposits are generally considered to be secure as they are protected by various measures put in place by regulatory authorities. In the United States, bank deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per bank. This means that in the event of a bank failure, the FDIC will ensure that depositors receive their funds back, up to the insured limit.
Additionally, banks are required to maintain a certain level of capital reserves to ensure they can cover their obligations to depositors. The Federal Reserve and other regulatory bodies also conduct regular stress tests on banks to assess their ability to withstand financial instability.
Overall, while no investment is completely risk-free, bank deposits are considered relatively safe due to the protections in place to safeguard depositor funds.