Where to invest a million rubles: effective investments

Having accumulated a sufficiently large amount of money, it is important to properly dispose of them. Of course, capital can be stored at home, but it would be better to make it "work". Yes, and the difficult economic situation in the market makes its own adjustments - without investing money, you can simply lose them. So where to invest a million rubles or even more? You need to approach the issue thoroughly prepared, since any investment entails certain risks. If there are enough funds, then in the absence of relevant knowledge, it is better to use the services of specialists - brokers, financial agents. There are plenty of ways to invest a million rubles in 2016, despite the current crisis. And if one of them for one reason or another does not fit, there is always the opportunity to choose another path. Better yet, divide the available amount into several parts, disposing of it differently.

Investments in a bank deposit

Cooperation with a bank is the easiest way to preserve and increase your capital. By putting money on a deposit, it will be possible to receive annually the percentage of the initial amount prescribed in the contract.

A bank deposit is not the most profitable option for investing money, since the established interest hardly covers inflation. But among Russians, it is more traditional than other investment methods.

When deciding where it is better to invest a million in order to earn money, you should choose only reliable banking institutions that have been operating on the market for more than a dozen years. It is good if they still have state support, which significantly reduces the risk of bankruptcy. After all, today quite often banks have their licenses revoked, while the population is left with nothing.

It is quite natural that the more funds you invest, the higher the interest paid by the bank will be. The best option is monthly interest capitalization. And if possible, then a large amount can be divided into several parts of 700,000 rubles each. Funds in this amount are insured by the bank, and in the event of an unforeseen situation, it is mandatory paid to the client.

Investments in your own business

Having entrepreneurial skills, the question of where you can profitably invest 1 million rubles immediately disappears, since the answer is obvious - to open a profitable business. By choosing a promising niche and competently setting up the process, you can soon recoup all costs and increase your capital.

It will be difficult for those who are poorly versed in the field of business. And here you will either have to independently study the “laws” of the functioning of the market, or involve a specialist in the work.

Depending on the amount of money and the situation in a particular market, you can invest a million in a business in several ways:

• Launching your own project.
• Buying a ready-made business.
• Partnership with large companies.

Each of their options today has a place to be. And it is necessary to decide which path to take with great care. Starting a business from scratch is risky. But even when buying an already operating company, an entrepreneur can face serious problems - the acquisition of "illiquid assets", for example.

Do you understand that the matter cannot be pulled? Then it is better to choose another way, what to invest a million rubles in.

Investments in real estate

In many regions, there is no tendency to reduce real estate prices - and this is despite the decline in household incomes. This means that it is possible to invest the accumulated funds without any special risks in this market segment.

Real estate is the asset that, in any economic situation on the market, will remain in the possession of the person who invested his money in it.

What kind of housing to buy will depend on the available funds and on the region of residence. Of course, buying real estate in Moscow with only 1,000,000 rubles is almost impossible (except for a room), but in some regions this amount will be enough. What options are available here?

• Buying real estate in a new building for its subsequent resale after the delivery of the house.
• Buying real estate in the secondary market for the subsequent rental of housing.

If you invest 5 million in an elite apartment or house, you can win. But the specific amount of "revenue" will depend on the current state of the real estate market. And even though this niche has sunk a little today due to the crisis, it will never lose its relevance.

Investments in precious metals

If we analyze the upward trend in the cost of precious metals (gold and platinum) on the market, it is completely understandable why many of those who are thinking about how to profitably invest a million rubles choose this option.

Investing in precious metals is unlikely to pay off very quickly. Of course, there is a rise in prices, but there have not been significant price jumps for a long time.

Having chosen this method of investing, it is better to purchase not jewelry, but ingots of precious metals.

Investments in securities

Investing in securities is rarely considered as a promising investment - and in vain!

This market niche comes with many risks. But it is "terrible" only to those who thoughtlessly spend their accumulated money on buying up shares of unpromising companies. But the matter must be approached thoroughly, weighing each step.

Having decided to invest 2 million in securities, it would be better to use the services of a reliable investment company. After concluding a financial agreement with a broker, the specialist represents the investor on the global stock markets, buying and selling existing assets, thereby increasing the initial investment.

According to experts, today it is profitable to buy shares of promising IT companies. There is a high probability that in the foreseeable future such investments will more than pay off.

Investments in PAMM accounts

Haven't decided where to invest 1,000,000 rubles? It is worth paying attention to the Forex market. Having an idea of ​​​​how to invest funds here, you can increase the invested amount in the shortest possible time.

Pamm accounts are a completely legal, and at the same time passive way to earn. But in order not to burn out literally in a matter of hours after registering on Forex, this issue needs to be thoroughly studied!

Having absolutely no idea about what Forex lives and breathes, it is better to entrust the management of your savings to specialists - traders. And you need to choose a professional carefully - it is better to study the reviews and carefully read the terms of the contract. With a good set of circumstances, you can earn 3-10% monthly on this kind of investment. Pretty reassuring, isn't it?

Investments in mutual funds

You can invest 3 million in the so-called mutual funds - mutual funds. This is a form of collective investment, when all the funds of investors are combined for their further use in the purchase / sale of shares and other securities. It turns out that within the framework of his share, the entrepreneur has a certain share of each acquired share.

This option is quite risky, since companies involved in such deposits, as a rule, do not name the exact figure of dividends that the investor will receive in the end.

It hardly makes sense to invest 10 million available funds in mutual funds - the risks are quite high! But a certain amount can be invested in this way. Plus, there are plenty of options:

• Mutual funds of shares. This is the most affordable way for a private investor to invest. It is also the simplest, since it does not require deep knowledge of economic processes.
• Mutual funds of bonds. This is the most reliable way to invest. After all, in this case, the contract defines a fixed interest rate of the expected income, which cannot but reassure the entrepreneur.
• index mutual funds. Here, money is invested in stock indices. This method is good. That even a beginner will be able to see the dynamics of the "movement" of their savings.
• Mixed mutual funds. These are funds with which you can earn on both stocks and bonds. What is good about this system is that, due to its flexibility, it allows minimizing financial risks.
• Mutual funds of funds. These are investments in other mutual funds. It turns out that here there is a diversification of investments between several mutual funds at once.

Many people earn on mutual funds today, but at first it is worth weighing all the pros and cons - is the investor ready to take risks in pursuit of high incomes?