Even if you only have 1,000 or 10,000 rubles, you can invest this small amount profitably. Let's look at the TOP of the most promising options from bank deposits to precious metals
Investments are available not only to millionaires - even a small amount can (and should) be invested profitably. For example, people who bought Bitcoin several years ago were able to make significant profits even with a minimal investment. Let's look at the main options for investing small amounts of money.
Introduction
The modern market has become more accessible to private investors. To start investing, you just need to have a smartphone at hand. Services allow you to trade stocks, bonds, futures and precious metals.
When choosing an investment application, you should pay attention to:
- broker rating;
- convenience of service;
- commission size;
- availability of necessary tools.
The services listed below make it possible to monitor the market situation, make transactions and receive advice from specialized specialists.
PAMM investing
PAMM sets are special trading accounts on the currency exchange . In a simplified form, this type of investment is organized as follows:
- a trader opens a PAMM account and trades with his own money,
- the investor can invest additional money in turnover,
- profit from invested funds is divided according to the agreement (on average, the trader takes 30-50% of the profit).
Such an instrument can be very highly profitable and at the same time high-risk.
To reduce risk, it is often recommended to use investments in several accounts, not forgetting that even a positive assessment of account parameters in the past will not necessarily ensure similar trends in the future.
Tinkoff Investments
This platform was launched in 2016 and is distinguished by the availability of securities and currencies. Tinkoff Investments makes it possible to conduct transactions both on the Moscow Exchange and St. Petersburg Exchange, as well as on foreign platforms if you have a brokerage account. The platform is suitable for investors who want to make money on intraday fluctuations, and investors who want to hold assets for a long time.
Advantages of Tinkoff Investments:
- Intuitive interface - with this platform, all your assets will be in your phone, and there are no hidden fees.
- Instant account opening – filling out the online application takes a few minutes.
- Low entry threshold - the cost of many Russian shares is 200-300 rubles.
- Help in selecting assets - a robo-advisor will help you choose securities, and in the “What to buy” section you will find a selection of interesting bonds and shares from reliable companies.
- Wide range of assets - a brokerage account with Tinkoff allows you to purchase various assets and shares of exchange-traded funds.
- Comfortable currency purchase – on the platform you can buy and sell even 1 dollar or euro.
- Fast withdrawal of funds – thanks to the “Withdrawal 24/7” option, investors can withdraw money from their account at lightning speed.
- Prompt technical support – investors can get answers to questions in the application chat 24 hours a day.
- Additional functionality – experienced investors can participate in initial public offerings (IPOs).
Investing in mutual funds
Mutual funds are one of the ways to earn passive income. The operating principle looks like this:
- investor invests money
- the management company manages the money to make a profit,
- the investor receives income in case of positive financial results and minus the commission.
Mutual funds experienced a real boom in 2006-2007 before the crisis, gaining popularity due to their very high returns, but 2008 turned them into an extremely unattractive instrument with negative returns. At the same time, some investors, on the contrary, took advantage of the situation, waiting out the crisis period and not rushing to withdraw capital. The result was a profitability of up to 200%.
Investments do not require large investments ; sometimes even 500 rubles are enough. At the same time, you can diversify your risks by investing in different industries around the world. But mutual funds are a long-term instrument; you don’t need to count on crazy profits in the first year.
Rating of mutual funds for 2022
| № | FUND | GROWTH |
| 1 | System Capital - High Technologies | 89.53% |
| 2 | XXII century Brokercreditservice | 82.60% |
| 3 | Technology Leaders | 77.52% |
| 4 | Otkritie - Innovation Leaders | 76.46% |
| 5 | INCOME Global Innovation | 70.63% |
| 6 | Opening - Global Investments | 68.94% |
| 7 | Raiffeisen - Information Technologies | 66.15% |
| 8 | VTB – Future Technologies Fund | 66.07% |
| 9 | URALSIB Global Innovations | 63.65% |
| 10 | Sber — Biotechnologies | 61.73% |
"Sberbank Investor"
This application features free account opening, unique training and analytical materials. Sberbank Investor operates on smartphones and is considered an analogue of other platforms that allow you to make a profit from dividends and price differences. On this site you can view reports on invested funds, find out accurate exchange rates in real time, sell and purchase assets. Investors can start investing with any amount - for example, the cost of conservative bonds starts from 1,000 rubles. With the help of Sberbank Investor, you can purchase shares, bonds and other assets - you just need to install the application, open a brokerage account and transfer funds to it.
Please note: Experienced investors prefer not to invest their entire capital in shares, since stock exchange transactions, unlike a bank deposit, do not guarantee profit. Securities can become more expensive and cheaper depending on the rate of the Central Bank of the Russian Federation, demand for a specific asset, remaining maturity and other factors.
A small amount of money is how much
Recently, you can often see investment offers on the Internet. And at the same time, the thought most often arises: this is not for me, because it requires large start-up capital. Where can you invest some money?
In fact, you can start investing even with 1000 rubles , although it is better to start with several tens of thousands of rubles. A small amount is not an obstacle - regularity and following a strategy are much more important. The main trump card is consistency and time. It’s not millions that create investments—it’s investments that create millions .
Let's look at where exactly a novice investor can invest
“My Broker. World of Investments" ("BCS")
All functionality of this broker is available via a mobile phone. “My Broker. World of Investments" is distinguished by detailed analytics on the assets in the portfolio, regular publications of forecasts from qualified experts and prompt customer support. The application provides a graph of the value of portfolio assets, active orders and transaction history, and reporting and tax support services are provided not through the application, but through a personal account on the BCS website.
The key advantage of the service is the availability of many securities, the quotes of which are available to any user. Along with stocks, bonds and futures, “My Broker. World of Investments" makes it possible to find currencies traded on the Moscow Exchange, commodity quotes and indices of world exchanges. You can open an account through a mobile application or website, using a passport photo or an account on State Services.
Real estate
A profitable investment if you invest in a country with a stable economy. If the economy is shaking, you can lose money. For example, the recent devaluation of the ruble - from 30 rubles per dollar to 60. Real estate prices in rubles did not increase, but in dollar terms they fell. Those who invested in real estate before the devaluation lost part of their invested money.
You can invest in new buildings, secondary housing, commercial premises. If you buy an apartment to live, this is not an investment, it is saving money - a different goal and a different approach.
The main income from investing in real estate is the rental of premises and the appreciation of the property. For example, a small hotel in a developed city will bring 2-5% annual net profit.
You can make a big profit on value-added projects - development or redevelopment. They can bring up to 18% annual net return. The downside is that there is a risk of losing your money if the project fails.
If you want to make a profit from investing in real estate right away, buy a ready-made rental business - you will have income from the first month of operation. The optimal investment option is to invest 75% of the capital in the rental business, 25% in value-added projects.
FinamTrade
This multi-platform utility is primarily positioned as a solution for comprehensive monitoring of quotes. The basic version of the platform supports exclusively liquid financial instruments. The service is easy to download from the App Store and Google Play and can be launched on a smartphone, PC and laptop. To ensure security, the system offers to set protection - a four-digit PIN code. FinamTrade allows you to find out the latest news, monitor your trading account, quickly open and close transactions, viewing quotes for different instruments in real time. Purchases are made through the mobile application. With FinamTrade you can purchase Russian and foreign stocks and bonds, as well as currencies, futures, funds and ETFs. To open an account, you can use a State account
This service is distinguished by the presence of attractive charts and the lack of tools for technical analysis. Here you will find information about coupons, bonds and dividends, but there is very little information about the issuing companies. Users of the Otkritie Broker platform. Investments" stocks, currencies, futures, mutual funds, ETFs and other securities are available.
The account is opened through the website or mobile application - a State Services account is required. Investors can track all trading orders, including executed, rejected or partially executed. Bond lovers will find in Otkritie Broker. Investments" useful information about issues, date and amount of coupon payment. Do you prefer stocks? There is less information about them - the service provides data on the expected dividend yield and the closing date of the register.
Deposits
Deposits are also an investment, but you won’t be able to earn much - the average deposit rate is slightly higher than the inflation rate. And if inflation rises, profits will decrease. However, it is one of the most reliable investment tools. Even if the bank where you keep your savings goes bankrupt, the state will return you 1,400,000 rubles. It is dangerous to store more than this amount - money can be lost in the event of a financial crisis or bank bankruptcy.
Open a deposit account with the right to replenish and without the right to withdraw for a year, three or five - the profit will be greater.
"Alfa-Direct"
Alfa-Direct allows investors to control their assets in real time and conduct transactions with them from anywhere in the world via a smartphone. Alfa-Direct is one of the brokers officially licensed by the Central Bank of the Russian Federation as of 2021. Available exchanges include Moscow Exchange, St. Petersburg Exchange and New York Stock Exchange. There is no fee for using the terminal. As of 2022, Alfa-Direct is rated at the ruAA+ reliability level. Alfa Direct is chosen by investors who want to work with bonds of not only Russian but also foreign enterprises. Beginning investors can attend special seminars.
Please note: The security of transactions concluded through Alfa-Direct is ensured using the CryptoPro CSP software package. The purpose of this package is to use an electronic digital signature based on a key, which consists of two parts: the open part is transferred to the broker when registering an account, and the closed part is kept by the client on a USB drive.
Precious metals
Precious metals are always in price. But many people make one fatal mistake: investing in jewelry. If it’s not Queen Elizabeth’s necklace or Francis V’s ring, then the pawnshop will accept the jewelry as scrap in a hungry year and give one-fifth of its real value. This is a bad investment.
You need to invest in bank precious metals - bars or coins. When necessary, the bank will buy them back at the current price. You can buy physical bullion or open an Unallocated Metal Account (UMA) - it will store the equivalent of the purchased metal. At any time you can exchange this equivalent for rubles at the Central Bank exchange rate for that day.
Investments in precious metals - a long wait for profits, but they are reliable
Prices per gram for precious metals are rising slowly, although breakouts occur occasionally. For example, those who invested in palladium in 2022 received 51% profit - the cost of the metal increased by 24.6% over the year. Such metamorphoses did not happen with gold.
Investing in precious metals will not bring quick returns; it is a long-term investment. If you are willing to wait 10 years, then this is a profitable investment. If not, the profit will be small.
Quik mobile app
Quik terminals are used by brokers as their main or alternative system. At the same time, professional market participants offer this service as an addition to their own developments - for example, this is what Sberbank does, which simultaneously has its own product and Quik. The Quik mobile app includes market overview pages, as well as futures, stocks, options, and bonds. In addition, users have access to comprehensive information about the status of the brokerage account, balances, losses or profits.
Quik mobile app users get access to:
- domestic exchanges - Moscow and St. Petersburg;
- foreign exchanges - CME, NASDAQ, ICE and NYSE.
Quik allows you to track your client portfolio and is characterized by high speed of information processing and prompt submission of applications.
Bank deposits are the easiest way to invest small money
The best way for most people to invest small amounts is to open a deposit in a bank. This type of investment has an undoubted advantage - the amount of income on the deposit is known from the very beginning, and bank deposits are protected by insurance (up to 1.4 million rubles). It should be borne in mind that the yield on bank deposits is very low; in fact, it only allows you to save money, since interest on deposits (usually 3-5%) is lower than the real inflation rate. Also, from 2022, deposits of more than 1 million rubles (in total) are subject to income tax.
Therefore, such an instrument can only be recommended for saving money or for forming initial capital.
conclusions
Today, trading bonds of such large corporations as Yandex, Apple, Microsoft, Tesla, Amazon and Coca-Cola can be done using a smartphone. In this article, we talked about services that make it possible to invest funds in securities or transfer money to trust management - to algorithms or professional investors. The resources we provide allow you to quickly make transactions without tedious communication with brokers by phone and setting up applications on a personal computer or laptop. When choosing a service for investments, you should pay attention to the availability of access to a wide range of tools and responsiveness of technical support - it is desirable that the resource allows investors to receive answers to questions around the clock.
Thanks to modern investing and crowdlending technologies, the barrier to entry into financial markets has now been significantly reduced, and convenient and understandable tools have become available not only to experienced investors, but also to novice investors, as well as people without special education.
Loans with interest
One of the investment options is interest-bearing loans to individuals. This is not only an option to “loan money to friends”: there are special platforms for lending to individuals. The most famous credit exchange is WebMoney. The profitability of this investment option is quite high (for example, it can be 1% per day), but the risks are also high - the percentage of non-return is very high. To reduce money, take out a loan secured by liquid property.
Where to invest 100 rubles?
Today I will reveal a simply incredible topic: where to invest 100 rubles. People sometimes write where to invest 1000, 10,000, 100,000, 500,000 rubles, but where to invest 100 rubles. It seems that you can’t invest them anywhere, however, I believe that the key rule, not even a rule, but the principle of a Russian investor is as follows: Having received Russian money, transfer it outside the money as quickly as possible .
“Money is not money”, remember this. The task of the person who received rubles is to get rid of the rubles as quickly as possible. Why? Because it is the most dubious asset in the world, practically. I won’t compare it with money in Zimbabwe or some Thai baht, which, by the way, is stronger than the ruble, by the way. When the ruble collapsed and the dollar jumped, the Thai baht held, everything was fine there.
So the first thing you need to do is make 100 rubles into something other than 100 rubles. Options:
First option. You can buy 1.5 dollars or 1.3 euros or just over one British pound. That is, you can buy yourself some currency.
