What to spend 500 rubles on for 10 years. Basic principles of investing

You will learn where you can profitably invest 500,000-600,000 rubles to get a guaranteed profit, how to secure your investments, which business is the most promising right now

Greetings to our readers! The founders of the online magazine “HeatBeaver” Alexander and Vitaly are with you again!

In this issue we return again to the topic of profitable investments, which is relevant for business. The new publication is devoted to fairly large financial investments - from 500 to 600 thousand rubles.

The article will be of interest to businessmen, money makers, people who have personal capital and want to invest it as competently and profitably as possible.

Interesting? Then let's begin!

1. What to invest rubles in so that they work for you - effective investment rules

Increasing financial assets is no less important than earning and accumulating them. Smart financial investments can guarantee a comfortable future for you. They will create passive income for you, freeing up time for a full and rich life.

An amount of 500-600 thousand rubles is quite a decent amount of capital, which is much more expedient and safer to put into circulation than to keep “in a stocking.”

In a couple of years, inflation will reduce the objective value of half a million rubles by 10-20%. The same interest can be earned in a much shorter period of time with the help of promising investments.

We already wrote in one of the magazine articles why it is so important. In simple terms, such income allows you to earn money without working.

During periods of political and economic upheaval, additional income can at any time turn into the main or even the only type of income.

The financial literacy of Russian citizens is (alas) at the most primitive level. People believe that most investment directions are dangerous for capital. The fear of losing money outweighs the possibility of earning passive income.

The population’s fears cannot be called groundless - there are plenty of scammers who want to make money at other people’s expense. However, this fact should not hinder people’s desire to gain financial independence.

It's not just scammers who pose a danger. Profitable investing is a whole science that requires study. Not everyone has the time to understand this issue at a professional level, but knowing the basics will save you from common mistakes, myths and misconceptions.

When choosing investing as a way to manage personal capital, first decide on the ultimate goal of financial transactions.

If you want to multiply your funds quickly and spend them on a major purchase (buy a car, apartment, house), choose financial instruments with the ability to withdraw the deposit and income from circulation at any time. If the goal is stable long-term profit, then more conservative investment methods are suitable for you.

A few main rules from professional investors:

Spread the risks in several financial areas. Scientifically, this is called diversification of deposits. In case of failure (bankruptcy of a specific company), you will only lose part, and not the entire amount.
Use professional tools for working with money - there are reliable sites on the Internet that will increase both profit and the level of financial security.
Attract co-investors and partners: the larger the amounts management companies operate, the higher the income.
Invest only “working capital”- an amount not intended to pay for rent, food and other vital things.

By adhering to these rules, you will ensure the safety of capital and protect investments from losses.

All the most interesting, useful and necessary things that you can buy on AliExpress for this money.

1. Thoroflax

An unusual kinetic toy, which is an improved version of the well-known slinky spring.

A great item for cold autumn or winter evenings. The principle of operation is simple: connect the wires of the insoles to the USB cable that comes in the kit, and connect it to the power source. This could be a computer, a power bank, or an adapter that plugs into a power outlet. When the insoles are at the temperature you want, unplug them and place them in your shoes.

The seller offers two sizes to choose from: from 35 to 40 and from 40 to 44. You can cut it to what you need using the template that is included in each package.

Why bother when there is an automated version? The eraser works well with small details, but it will take a long time to erase large drawings. Reviews say that it works with virtually no noise.

A simple and convenient silicone pad that will add bright colors to the interior of your home. You can choose from six colors.

Convenient cabinet lighting that attaches directly to the hinge and illuminates shelves and drawers.

A special device that will help you prepare neat rolls at home. Open the device, put rice in the halves, compact it well using the included rod. Then use it to make a small depression in the rice and put the filling there. Close the device, insert the rod into the special hole at the top and push out the resulting roll. Can be eaten straight away or wrapped in nori.

A convenient flask that fits easily into your pocket. A nice bonus from the seller: the kit includes a miniature metal funnel that will help pour drinks into the narrow neck of the container.

An unusual knife for quickly cutting herbs, vegetables, pizza and much more.

A nice dispenser in the form of an iron-bound barrel with automatic feeding.

An excellent wooden toy that will help stretch your brain.

Convenient charging cable with retractor. Connectors - microUSB and Lightning. Maximum length - 1 meter.

Rear view mirror for those who do not have a standard one. Rotates 360° and provides excellent visibility.

13. Maps

A deck of original black plastic cards with a choice of red and blue designs.

Compact folding razor in the shape of a credit card. Convenient to take on trips: it definitely won’t take up much space.

Template for drawing mesmerizing spirals. The smallest set contains 22 pieces.

A bottle for fruit or regular water with a convenient strap.

Compact chess on magnets with a folding board. They will help pass the time on the road or in line.

Roller brush for cleaning clothes, carpets and other things.

Creative yellow umbrella with a handle and a banana-shaped cover. Just its appearance will lift your spirits even on the stormiest day.

A simple device for rolling rolls. With this, even novice sushi chefs will get smooth and neat sushi.

A tool for when you need to cut something as precisely as possible, but you don’t have a ruler or crayons at hand.

A cup for lazy people, in which you can stir tea or coffee at the touch of a button. Volume - 400 ml.

A simple trimmer for trimming and trimming your beard and hair. The kit includes three limiters and a cleaning brush, but you will have to buy batteries separately.

Telescopic skewers that are great for chicken wings and other small pieces of meat. There are two pieces in the set.

A small lamp with a remote control that allows you to turn the light on and off, as well as select the color of the glow.

A wonderful bucket for fishing, hiking and any other outdoor trip. Folds into a very compact design and does not take up much space during transportation.

A device that allows you to peel and cut pineapple into even slices in a few seconds.

Shoe linings with spikes, with which you can safely walk on ice.

A very convenient set of folding fork, spoon and chopsticks in a compact case.

A butane soldering iron that will come in handy around the house.

Not a bad tool for beginners. The seller sends it together with a plastic storage case.

A curved metal flash drive that is not afraid of water. Using the ring, you can attach it to your keychain so that it is always at hand.

A small handbag with many compartments where you can put all the necessary accessories. This will make it easier to keep your suitcase tidy and avoid shaking out all the contents in search of shaving foam.

Accurate digital kitchen scales with overload protection. Measure from 1 g to 5 kg. Operates on two AAA batteries, which are not included.

35. Charging

Powerful adapter with four ports for charging gadgets. You can choose just it or a set with a cable. But the second option will be a little more expensive.

Beautiful woven bracelet with seamless metal clasp.

A bright flashlight with a convenient head mount that will free your hands.

You don't need to have huge capital to start investing. There are ways that allow you to invest 500 rubles and make money on it. But to successfully place funds, you need to wisely choose investment instruments.

Why know how and where to invest 500 rubles to make a profit?

Only if you have 500 rubles, it will not be possible to form capital for future financial well-being. But placing this amount in different instruments will allow you to understand which of them shows the greatest profitability.

Knowing where to invest 500 rubles is necessary in order to:

have an understanding of how different investment methods work;
immediately invest money in an effective tool;
minimize the risk of losing the deposited amount;
increase return on investment.

It must be remembered that the past profitability of an asset does not guarantee a similar result in the future - if, for example, over the course of 5 years, the shares of the selected company show stable income, one cannot say with complete confidence that in the 6th year the price of securities will not decrease.

If there is such an opportunity, then in order to achieve these goals, it is recommended to invest money not in one instrument, but to try several options at the same time.

Basic principles of investing

Even if an investor plans to invest only 500 rubles, he needs:

Monitor the profitability of the selected instrument - during the investment process, it may be necessary to withdraw funds to avoid losses.
Diversify risks - you should not invest all your funds in one asset; it is better to split your capital into parts and invest in different instruments. Read the material about.
Conduct planning - before investing money, you need to predict the expected profitability for subsequent comparison with the actual one.

Where to invest 500 rubles to earn money

The easiest and most affordable way to invest 500 rubles is a card or account with interest on the balance. On average, the profitability from the operation will be from 5% to 7% per annum. The advantage of this option is that funds with accrued interest can be withdrawn at any time or left for a long time.

But there are also more profitable ways of investing, the return on which can be 20% or more.

Method No. 1. Buying and selling currency

The basic principle of earning money in foreign currency - buy when the value decreases and sell at its peak.

Conservative investors prefer to place their money in dollars or Euro. Historical analysis of the exchange rates of these currencies shows that their value is steadily increasing. At the current exchange rate ( on the day of publication of the article) for 500 rubles you can buy approximately 9 dollars or 7.2 euros.

When choosing this method of placing funds, it makes sense to consider purchasing undervalued currencies. For example, over the past year, the Chinese yuan has shown positive dynamics in value.

Not all banks have the opportunity to exchange 500 rubles for foreign currency. Often, for example, a 5 euro note must be ordered separately due to the high demand for this denomination. To avoid this situation, you can open in the selected bank 2 accounts - ruble and foreign currency. This way you can do the conversion remotely.

Method No. 2. Issuing microloans

Payday loans are very popular. Among the options for making money on the Internet with an investment of 500 rubles, this method is one of the most profitable - the return on such investments is at the level of 50% per month, the average return period is several weeks.

Issuing loans is considered one of the most risky types of investment - the probability of non-repayment of the amount issued is at the level of 30–40%.

Special exchanges that act as a kind of intermediary between the lender and the borrower can help minimize the risk. The advantage of such resources is that you can see the statistics of each user - the number of loans received, the repayment period and the presence of overdue loans.

If you have a larger amount, you can.

Method No. 3. Unallocated metal accounts (UMA)

Today banks and management companies offer 4 metals for placing funds:

gold;
palladium;
platinum;
silver.

By opening compulsory medical insurance, the client does not purchase metal in its pure form, but a certain number of “virtual” grams that will be listed on his account. As the value of the selected metal increases, the client’s allocated capital will also increase.

Most financial institutions offer to purchase from 0.1 grams of metal . This means that you can make money by increasing the cost.

Method number 4. Start-up companies

Organizations that have just started their activities need funding, they are called startups. There are exchanges where young entrepreneurs post their money.

As a rule, it is allowed to make such investments from 500 rubles. In exchange for the transferred funds, either a share in the company or a percentage of the profit received is offered.

According to analysts, if out of 10 companies at least one turns out to be effective, then such an investment can be considered successful. Therefore, if you have 500 rubles, it is better to invest 100 rubles in 5 different projects.

Method No. 5. Mutual funds

When deciding where to invest 500 rubles, you should pay attention to the option - the minimum amount in some management companies is 100 rubles.

In essence, a mutual fund is a ready-made portfolio or other assets, formed according to one principle or another, for example:

Tipu- stock funds, bonds and others;
Industry affiliation - securities of the gas, oil and other complexes;
To the issuing country - Russian, European, Central Asian countries and others.

By purchasing a mutual fund, an investor buys a share in the fund. The higher the portfolio's return, the greater the increase in allocated capital. If the value of a mutual fund falls, then the situation is reversed - the investor loses the money invested.

Many management companies position the opportunity to invest money in mutual funds as 500 rubles - all operations can be performed remotely. The average return is 15% per annum, but with successful investment you can earn 50% or more.

Investments from 500 rubles - summing up and 1 more way to invest funds

The above methods will not allow you to form solid capital, but will give you the opportunity to try different instruments.