Where to invest 500,000 rubles to earn? Opinions, reviews

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Many people who have rather solid savings for the current turbulent times are interested in the logical question: "Where to invest 500,000 rubles to earn money?" This is an interesting topic. And it should be discussed.

Method 1: Make a deposit

The vast majority of people, when thinking about where to invest 500,000 rubles to earn money, have only one option - of course, put them in the bank. Many consider this method banal. But no, it's actually just traditional. Of course, one should not expect a profit of a million. But the funds will be at least protected from inflation. It's a fact.

Another interesting moment. Some people think that, having an amount of half a million rubles, you can not even think about which bank to go to invest your money in. Is that to choose it at an interest rate. And in any case, you can be a winner. This is almost true. It is worth clarifying the situation. The thing isthe fact that recently the Central Bank has been actively withdrawing licenses from many banks. That is, it closes them. And in this case, people who have made an investment are returned up to 1.4 million rubles of the deposit. That is, you can even win. But only if the reserve amount of the Deposit Insurance Agency is not fully spent. So there is a risk here too. And it's better to choose a more reliable bank.

Method 2: investment

Where to invest 500,000 rubles to earn, besides banks? There are also investment companies. On the territory of the Russian Federation there are several of the largest. And they all offer quite interesting conditions. Many go to such companies, wondering where to invest 500,000 rubles in order to earn money.

And, in principle, a good option. In short, the client's money will be invested in stock market instruments. It also provides a full refund guarantee. There is risk, but it only applies to profit. And she can be very good. It is not uncommon for the return on an investment to be two or even three times the bank rate.

Example. If the bank offers interest at 17 per annum, then 12 months after the deposit, a person will receive half a million and another 85,000 rubles on top. At the same time, if the investment rate turns out to be three times higher than the bank interest, then the profit will be 255,000 rubles. Excellent profit! But there are risks too. And this must be taken into account.

Method 3: Turn to high-yield organizations

This tooa good option if there are 500,000 rubles available. Where to invest, how to get promoted and what exactly do high-yield organizations mean? So, everyone must have heard about the famous Forex market. Currency trading, options - these words are familiar to many. And there are entire organizations whose main activity is to trade on Forex. A person who decides to earn extra money on his savings can give his money to the account manager. This is all done officially, with contracts and conditions.

You can invest in one account or intelligently distribute them over several. Sometimes the profit is 100% per annum! However, there are no guarantees for the safety of the investment - this is a huge minus.

Method number 4: ready-made investment product

People, wondering where to invest 500,000 rubles to earn money, re-read reviews of literally all methods. And here is another way - you can purchase a ready-made investment product. This is from the same category as organizations trading on Forex. Only behind these products are highly qualified, professional managers. These are either employees of the company or successful traders for hire. In such cases, the risk is minimal because these people really know what they are doing.

In such cases, the profit can also be 100% per annum and even more. Thus, you can not only double half a million, but even get a much more impressive amount. Many people claim that they managed to earn money in this way. However, do not forget about the risk andthat such organizations may go bankrupt. This is the same risky method as financial pyramids. By the way, there, if you find a competent approach, you can save about 10-20 percent per month from half a million rubles. In general, these methods are from the category of “make or break” - either a big jackpot, or a complete loss of your funds.

Reliable way

It is logical to assume that most people who have familiarized themselves with the above methods have a question: "Where to invest 500,000 rubles so that it is not only profitable, but also reliable?" Reasonable, because no one wants to just lose their hard-earned and scrupulously accumulated half a million.

Well, there is a reliable way! And it's called diversification. The first thing to do is to divide the sum into three parts. One must be deposited in the bank. Let's say a hundred thousand. The bank should be as reliable as possible - you should not pay attention to interest. Let it be 10% per annum, but at the end of the term, a person is guaranteed to receive ten thousand extra. Anything is better than nothing!

The second part (say, 50%) should be spent on a structural product (this was discussed above). It is necessary to use the services of analysts - they know exactly what is better to choose. You need to contact the most popular company that has a Deposit Insurance Agency. And if everything goes well, then in the end you can make a profit of at least 50-70 thousand rubles.

And the last part experts advise to invest in a risky investment.150 thousand rubles for example. If fortune is on the side of the investor, then it will be possible to get a 100% profit from above.

Some consider this method reliable, others - meaningless, others - risky. However, he is popular. Many people managed to earn good money this way, and some of them even began to use this scheme all the time.

Opening an online store: first steps

The World Wide Web today opens up great opportunities for each of us. And online shopping is becoming more and more popular. Most shopaholics and ordinary citizens prefer to shop in online boutiques, because it really comes out cheaper - sometimes even at times. So, where is it profitable to invest 500,000 rubles? That's right, creating your own online store! It's not very difficult.

First, you need to buy a domain. That is the address for the site. A normal domain costs about 2-3 thousand rubles per year. While renting a room for a full-fledged store will cost 30-50 thousand - a month! Savings on the face.

Second - decide on the product. For example, the store will sell headphones, phone cases, lenses for smartphones for panoramic shooting, etc. By the way, these are very popular things today. And inexpensive! You need to buy in bulk (on the relevant sites or in warehouses). It will cost a small amount if you buy everything at once.

Promotion of online business

The site of an online store needs to be beautifully designed - it will work out on your own, without hiring craftsmen. It is necessary to fill the pages with goods - with bright, detailed pictures and descriptions. Delivery must also be arranged. Set up a payment system. It is necessary to make it so that a person, having thrown the goods into the basket, immediately pays for it at checkout. And you can make a choice in favor of cash on delivery - it's easier that way. In general, the choice is up to the person.

Some people do tricky. They fill the site with all sorts of goods, and as soon as an order arrives, they themselves call the suppliers to send it. This is done in order not to burn out and so that the goods do not stale. However, you need to take into account the fact that doing express delivery from the warehouse every time will be much more expensive than buying in bulk. In general, this point is worth considering. To get started, you can buy the most popular and sought-after products. And for this, study the needs of buyers.

Creating a customer base

The last and most important factor is the customers. Where to look for them? First you need to advertise. And the best way to do this is through social networks, or rather, through groups and public pages. It is inexpensive, but the result is effective. In addition, there is just a sea of visitors! Some publics (as they are also called) are signed by several million people! And if you place ads there, you will get a very good customer base. Users, focusing on the authority of the group and page, follow the link inshop, register and buy. So the idea can turn out to be very profitable if it catches fire. By the way, it is considered one of the simplest and most effective. Many people do this and assure: this is the best thing that you can get carried away with the goal of making money in our modern age.

Other methods

Well, above, several ways have been described in which you can find the answer to the question of where you can invest 500,000 rubles. But it should be understood that this is not the whole list of possible options. Opening a souvenir shop, a small coffee shop, a vegetarian cafe, a grocery store - this is where you can profitably invest 500,000 rubles. True, this is more complicated than with the Internet version. But this can also be done. In general, there are ways, and there are many of them, and which one to choose depends on each individual.