Stable income 2. Get down to earth

The content of the article:

What is passive income

According to Wikipedia, passive income is earnings that do not depend on daily activities. But this is not a complete definition.

Passive income is the income you receive even when you are not working. The simplest example is renting out an apartment. You can work at your main job, but receive passive income from your property.

However, there are a lot of types and sources for obtaining passive income, and their essence is to create passive income from scratch.

You need to understand that in order to receive a constant income and do nothing, at first you will have to work hard.

But 6-18 months of work can provide you with stable profits for many years to come, even when you are no longer working.

The difference between passive and active income

The principle of active work: did the job - got paid. He wanted more money - he did another job. For example the driver UBER, he gets money as long as he takes people. If he stops driving, he will stop earning.

The principle of passive income: created a source of income once - you get a profit on an ongoing basis.

Passive income is the dream of any normal person.

There are so many ideas for generating passive income that we will break them down by type and try to understand how much profit each option can bring.

Sources of passive income

What can bring us profit? An asset that we will create or buy. Most sources of passive income require some investment, and absolutely all assets require some initial effort.

Let's start with options for creating passive income from scratch, without investment.

Passive income without investments. Creation of intellectual property

There are a great many ways to get passive income here, and each of the options will be of interest to a certain circle of people.

1. Book, text material

Once you write a book, you can sell it for years. It is not necessary to write novels or detective stories, educational books are also in great demand.

There are many services for aspiring writers, such as writing a book online. You will receive instant feedback, and if your idea is successful, a publishing contract will be signed with you immediately.

An e-book can bring $100-200 per month, but the greater the interest, the greater the profits.

Do you think no one does it? Mike Piper wrote a book Investments in plain language” and started selling it on . The interest was so high that he went on and wrote a whole series of books. Now they bring him six figures.

2. Sale of author's photos

Special services called microstocks , allow you to buy and sell unique photos and images ( created in graphic editors like Adobe Photoshop, Adobe Illustrator…).

If you like taking photos, editing images, creating interesting pictures in Photoshop, you can earn decent money just by selling your images.

The bottom line is that you put up for sale your photos, but the buyer does not redeem it, but simply buys the opportunity to download it in the highest quality. Thus, one photo can be sold an infinite number of times.

• The buyers are magazines, blogs, advertising agencies, designers and other businesses that need images.

We will give an example of one of our familiar designers. Six years ago he drew icons, pictograms and other web elements. He did this for 3 months. All of his work is up for sale on Shutterstock. In the first months, he got into the tops and earned about $1000 per month.

Over the following years, his earnings fell smoothly, but the last year ( sixth) his profit is stable at the level $100 per month. This is despite the fact that for 6 years he has not added new images for sale. Since it is Shutterstock's policy not to reveal the designer's earnings, we will not reveal the identity of the creator.

The most famous and profitable microstocks in the world:

1. Shutterstock (This is the leader among microstocks in the world, everyone is here)
2. Fotolia (All Russia and the CIS are here, the microstock belongs to Adobe)
3. DepositPhotos (The largest microstock with good sales)

Videos on Youtube

This type of passive income on the Internet brings a lot of money: for example, a Youtube channel Mister Max who makes videos about children earns his owner 2-7 thousand dollars a day.

To create passive income from video clips, you need to create a series of useful and always relevant videos. It can be instructions like “How to make…”, “How to cook…” that people will find and look through in the long run.

You can connect Google contextual advertising to each video, plus YouTube itself will pay you for every 1000 views.

3. Online courses and master classes

If you know something that others do not know, then you can start a series of training courses. The format of the master class can be different: a video, an audiobook, instructions on the site, an offline school. It is important that your students are satisfied with the quality of the material and receive new knowledge.

On video lessons, you can earn 20-50 or more dollars daily. For example, courses on playing the guitar and other musical instruments, drawing lessons, foreign languages ​​and others are very popular. More highly specialized knowledge can be sold more expensively. For example, trading rates on the NYSE can cost from $500 .

4. Music

On texts, photos and videos, creativity that brings passive income is not limited.

Music is an interesting direction, which is also not suitable for every user. To create music tracks, it is enough to learn how to work with programs like Fruity Loop or Adobe Audition, Steinberg Cubase and etc.

All presentations, sales, videos… are accompanied by background music. These are the first buyers of your tracks, without them they simply cannot.

Just as microstocks sell images, they also sell audio. The most famous audiostock is AudioJungle.

Internet products

5. Site creation

Anyone can create their own website. A little money will have to be spent on a domain name ( in the zone.ru - from 150 rubles. in year) and a hosting that will display your site on the Internet ( from 900 rub. in year).

The main difficulty is finding interesting information that will really attract readers. It is not necessary to maintain a blog or a live journal, some resources are gaining popularity thanks to convenient tools: compound interest calculators, parsing currency quotes, a free SMS widget, an online translator and much more.

The average monthly earnings on the site varies from $50 to $1000, depending on the number of visitors, resource popularity, citation index, etc. It will take from 6 months to 3 years to promote the site.

Let's take a closer look at how you can make money on your own website.

6. Contextual advertising and banners

On almost all sites you can find ad units from Google and Yandex. Each click on them brings the site owner from 20 cents to several dollars. The more visitors you have, the more clicks on your ads.

If you add 1000 useful articles to the site and stop visiting it, you will continue to earn for many years to come, since your site will remain on the Internet and will work around the clock.

7. Perpetual Links

Many companies and just other sites order the purchase of links on other sites so that search engines see that many people are talking about their site, thereby increasing their ranking in search results. Customers buy paid reviews, praise articles, or just posting a link anywhere.

Selling space on the site for such reviews can bring the owner 100-300$ per month. However, for this, your site must have a lot of visitors and good search engine rankings. This way of earning is suitable for a site that is more than a year or two old, however, it will be an additional source of income that does not require special efforts from you.

8. SMM and social networks

Another way to make money available to everyone: maintaining a group in social networks. networks. To create your own public, just register on the site and go through a simple procedure.

This is where content comes first. Finding interesting unique information is difficult: be prepared for brazen theft of your content. But if you attract 100 thousand subscribers, then the monthly earnings will be in the thousands of dollars.

With a large number of subscribers, advertisers themselves will find you daily. For example, well-known bloggers have an advertising post on Instagram worth from 500 000 rubles. Even if you have about 30 thousand subscribers, you can already sell ads through special services.

Where to invest for passive income

9. Renting out property

Everything seems simple here: we buy a house or an apartment, put it on Airbnb or Booking, rent and make a profit.

Such passive income from each premises can bring 5000-30000 rubles per month and cover utility bills.

More profitable ways to generate passive income from real estate are renting out garages and commercial real estate. A garage costs 5-6 times cheaper than an apartment, while the cost of rent is only 2-3 times lower.

That is, instead of one apartment, it is more profitable to rent 5 garages.

But the apartment is different. If you have a whole package of services - linen, cleaning, internet, TV, a beautiful view, food, parking, and so on, then the cost here will be different. A lot of people own several properties like this, hire 1-2 people to maintain them, and get a decent passive income.

10. Leasing equipment, car, other asset

By analogy with real estate, there are different options for earning money. If you have unused property that can be rented out, consider making a profit from it. After all, when a thing lies dead weight - it is a liability, if you receive income from its existence, it turns into an asset.

• It could be a jet ski PlayStation or xbox, car or other equipment.

Thus, by investing in items that can be rented, you can recoup and then receive a net passive income.

11. Trust management

Trust management in financial markets is one of the most profitable types of passive income. can bring on average from 60 to 120% per annum in passive mode.

Many brokers offer trust management in the form of investment funds, PAMM accounts, copying transactions of managers.

12. Indices and ETFs

If you look at the charts of stock indexes, you will see that their returns are not great, but they always are. - these are shares of companies that buy shares from a basket of stock indices and their value dynamics is fully correlated with stock indices. When you buy one share of an ETF fund, you buy the entire basket of the index.

At the moment, ETF funds are very popular in the US and Europe, because these are portfolio investments that are highly protected from all kinds of risks.

In addition, there are industry ETFs, balanced and uncommon, such as Whiskey ETF, where stocks of whiskey producers are in the basket.

13. Building a Passive Income Business

This is a promising way to earn money, because it allows you to fully control investments. We do not mean an active business where you have to work yourself. You can organize or buy a company with an established work structure, with a director and his deputies.

If you turn to the Internet, then there are even more examples. You can hire developers and create some kind of automatic service, program or service, which will then bring you a stable passive income.

Now such types are services for checking the uniqueness of texts, analyzing sites, collecting data, creating presentations, logos, etc.

Other types of passive income

14. Benefits and government programs

Check with a lawyer: you may be eligible for a government support program. A nationwide youth housing loan project could make it easier to buy an apartment. And the maternity capital and the family support program will help in the maintenance of children.

Find out if you are entitled to a benefit from the state, you just need to apply for it?

15. Create passive income from your main job

Many people do not notice the advantages in their work, they get used to it and it seems to them that no one appreciates it.

A striking comparison is the artists. Here they will draw a cat and everyone will say - wow, how beautiful ... but the artist believes that there is nothing special, everyone can do it.

Perhaps your job can provide a lot of people with some kind of bonus, as if along the way to your main job. Perhaps it will be additional services or knowledge that would be useful to people.

If you work in the tax office, then your outside advice would be useful to many. If you are a chef, then many people would benefit from your advice on recipes that you can sell - write a column on the site, publish a book or blog ... And so on.

Make money doing what you would do anyway. For example, if you like to play games, then you can also earn money on this. In addition to tournaments, there are many games where they sell characters, items ... that you can earn in the game, and sell it for real money.

As you can see, there are many ways to earn extra money. But they are always associated with the use of existing resources or the creation of a new product.. Before you organize a new source of passive income, ask yourself a couple of questions:

1. What is your soul for? Do you like taking pictures, writing, making videos? Perhaps you have a craving for the financial sector, for mathematical calculations? Are you an enterprising person? The answers to these questions will determine the area in which you should develop.
2. Do you have capital to invest? Free resources will greatly facilitate the search for sources of passive income.

The choice of a source of passive income ultimately depends only on you, do not shift this responsibility to others. In addition to the well-known methods, you can come up with something of your own, and this will be an even better option.

And finally, a couple of tips:

• Diversify your sources of income. Try to create as many assets as possible that will bring you profit. So you protect yourself from crises and force majeure.
• And shield the best passive income options, don't stop there. If you have found a stable, highly profitable instrument, transfer part of the funds from a bank deposit to this source. Thus, you will increase the profitability and efficiency of the entire portfolio of assets.
• Improve your financial literacy. Learn more about investment programs, working conditions of companies, do not be afraid to discover new sources, experiment with creating investment options.
• Don't spray. It is better to devote all your time to one source until you finish the job. Working on multiple projects is not prohibited, but it can affect the quality of each product individually.

Conclusion

Passive income is the key to a good life. We have listed a dozen ways to create your own source of extra income, but the list goes on and on.

The fact that you have thought about the need for passive income already elevates you above most of the people around you. There are many methods available to each of us to improve our financial condition, but they need to be worked on. We wish you good luck in organizing sources of passive income and achieving financial independence.

Hello dear readers! With you again and today we will analyze the main topic for everyone who has firmly decided to break out of the trap of financial dependence on the employer and finally start creating their own small factory for the production of money. So, the topic of this article is passive income. By the way, if you are still puzzling over how to get an active income for a start, then I recommend reading the article:.
You've probably heard this Rothschild quote:

Who owns the information, owns the world!

With regard to our topic, it can be paraphrased:

Whoever owns the information on how to make passive income owns the money!

And here is a somewhat paradoxical situation. There is more than enough information about this on the net, but what quality is it?
I was surprised to find out for myself that the simplest passive income without investments is social benefits and, in particular, a pension. Imagine, we are puzzled here with you how to create a source of constant profit, but it turns out that everything is so easy - just getting old is enough! But this is not the only misconception that can form in the head of an unprepared reader.

Therefore, in my material, I will not only list the most common ways to generate income, but also give real numbers and facts about whether it is possible to earn money on them and how much. Along the way, you will have to expose a couple of myths about the most popular methods: you will find out why bank deposits and real estate not only do not earn, but also lose money. Surprised? Further it will be more interesting.

So, let's move on to the practical part of our opus. The first, most popular and simple passive income is opening a bank deposit.
There are more than 650 credit institutions operating in Russia, and almost all of them attract deposits from the population. In general, the range of deposits they have is approximately the same. You can open deposits in rubles, euros, dollars, pounds sterling, less often in Swiss francs and even yuan. There are deposits with the possibility of replenishment and with a monthly transfer of interest to a separate current account. That is, in principle, you can put money in the bank and live on interest, although I do not advise you to do this and I will explain why further.
The average rates of large banks are 7-8% per annum. Players with a lower rank have a slightly higher profitability - 9-10%. But the real rate always depends on the size of the deposit and the term. That is, the larger the amount and the longer the term, the higher the rate.
Profitability, frankly speaking, is modest. At least in my opinion. I think so: why give money to the bank at 8% per year, if you can learn how to work with binary options and reach a yield of 80-100% per month. In general terms, I described this way of earning in the article:. Here is an example of a successful transaction:

Benefits of a bank deposit!

Even a child can receive such passive income in Russia. Of course, a child will not be able to open a deposit personally, but the procedure itself is extremely simple and does not require any special knowledge, therefore deposits are suitable for everyone. This explains their popularity among the general population.
Nothing to do. You just come to the bank once, conclude an agreement, give the money to the cashier, and after a couple of years you take it back along with interest.
Reliability. Firstly, your passive income is guaranteed, and you will receive a strictly defined profit specified in the contract. Secondly, it is believed that it is almost impossible to lose money on a deposit, that is, the risks are very low. This is both true and somewhat misleading. Next, I will explain what problems the saver may face in the coming years.

How much can you earn?

The answer is not at all. Surprised? Yes, almost all the materials that analyze examples of passive income tell you how easy it is to receive an income of 100,000 rubles a year through bank deposits with 1,000,000 rubles. But this is a superficial view of the situation.
To understand why the deposit is not able to bring significant income, you need to understand a few terms:
Money. It is a measure of the value of goods and a means of payment.
The purchasing power of money is the amount of goods and services that you can purchase with a given amount of money.
Inflation. This term refers to the general increase in the prices of goods and services.
Devaluation. This is the name of the depreciation of the currency, in our case, the ruble.
By themselves, money, that is, banknotes, is of no value to you and me. They matter only insofar as we can buy something with them. Correctly?
Now look. In 2015, according to Rosstat, the official inflation rate was 12.9%. Since those other storytellers work in Rosstat, we make an adjustment for reality and get the actual grassroots inflation at a minimum of 20-25%. At this rate, the purchasing power of your money is declining. That is, a year ago you could buy 100% of some goods and services for the amount you have, and today you can buy 20% less.

Mindfulness test: what is the average deposit rate? By the way, I mentioned it above. In the largest banks of the country, it is only 7-8% per annum. So, if you opened a deposit at the beginning of 2015 in the amount of 1,000,000 rubles, by the end of the year you would have been paid 1,080,000 rubles. And the purchasing power of money over the same period decreased only according to official data by 12.9%. Thus, the purchasing power of your million fell by 129,000 rubles, and the bank's interest amounted to only 80,000 rubles. Net loss - 49,000 rubles.
Yes, nominally the amount has increased by 80,000 rubles, but at the end of 2015 you can buy as many goods and services with this money as you would have bought at the beginning of the same year for 951,000 rubles. So what's the use of the fact that there are more banknotes (cut paper with watermarks) if you can buy less on them?
Of course, such calculations are somewhat arbitrary, but I do not strive for mathematical and economic accuracy. I just want to show you that if the annual deposit rate does not cover inflation, such a deposit does not bring real income at all. Moreover, you actually lose money. Plus, if you open a deposit immediately for five years and withdraw interest every month, the purchasing power of the initial amount will be significantly reduced, and the monthly passive income will turn from modest to miserable relative to real prices for goods.
Another problem is devaluation. Depreciation in our case of the ruble against the dual-currency basket, that is, against the US dollar and the euro. For the period 2014 - early 2015. The ruble depreciated against the dollar by about half. This means that if before with your million you could buy 100% imported goods, now their number has decreased by about 50% in just two years. And the deposit rate is still 8% per annum.
If the figures given by me seem implausible to someone, look at the dynamics of prices for imported electronics. For more than two years since 2014, everything has risen in price just about twice, and in some places even more.

Why and how to open deposits so as not to lose money?

Despite all of the above, deposits can still be used. Firstly, this instrument is suitable for temporary placement of free money. For example, you are saving money to start a business. If you save money under the pillow, they will depreciate faster than on a deposit, since the deposit rate at least partially compensates for inflation. Secondly, you need to have some money on hand in case of unexpected expenses. For example, they will offer you to buy a small stake in a new promising company, and all your money has already been invested in other assets. What to do? This is where your deposit comes in handy. In addition, foreign currency deposits, unlike ruble deposits, are still able to bring passive income.
And now practical advice on choosing the conditions for placing funds in a bank.

Tip number 1. Only systemically important banks. These are the largest credit institutions in the country. Their deposit rates are lower than those of small banks, but the Central Bank will definitely not take away their license. In addition, if such an institution begins to "fall", it will certainly be supported at the expense of some National Wealth Fund or other state moneybox. I will not disclose the specific names of banks - I am not engaged in advertising. But you yourself can see the ratings of credit organizations.

Tip number 2. Choice of deposit currency. The ruble is extremely unstable and will steadily roll down in the coming years. Like it or not, this is a fact. What is the conclusion? It is necessary to open a deposit in dollars or euros. Indeed, this sharply increases the profitability of the deposit in ruble terms, allows you to completely cover inflation and even get a small profit at the level of about 3-3.5% per annum.
But this is not ideal either. Why? There is a risk that the authorities will decide to forcibly convert all foreign currency deposits into ruble deposits at a fixed rate. You understand that this course will not be in your favor. There is only one way out - a multi-currency deposit. According to the terms of opening such a deposit, if you smell fried, you can convert the currency in one click directly in the Internet bank. Pay attention to the size of the conversion fee.

Tip number 3. Option of early closing of the deposit. All deposits are term deposits. The longer the term, the higher the yield. Therefore, it is much more profitable to open a deposit for 5 years than for 6 months. But there is also a downside here. If you urgently need money, if you withdraw early, all accrued interest will burn out. Therefore, you need to choose a deposit with preferential early closure. Some deposits provide for fixing income after a certain period. For example, once a year, the accumulated interest is fixed and if the deposit is closed ahead of schedule, they will not burn out.
Another reason why it is better to choose deposits with this option is the possibility of privatizing part of the funds. Something similar happened in 2013 in Cyprus. There, depositors were forcibly made shareholders of banks and seized from them 6.75% - 9.9% of the amount of deposits. So the Russian depositors of Laiki Bank lost about $10 billion. The possibility of applying such measures is already being discussed in Russia. So, if there is a risk of the collapse of the Russian banking system, you need to urgently withdraw money before you become a forced shareholder of a bankrupt bank. This is where the option of preferential early closing of the deposit comes in handy.

Tip #4 Proof of source of income. In connection with the intensified fight against money laundering, banks will have the opportunity not to give depositors their money if they cannot explain the origin of the funds and prove documented that they have paid all due taxes on this amount. So, prepare documents in advance.

Method number 2. Apartments. Gold. Diamonds. How to create passive income on valuable property?

The next most popular passive income with investments after a bank deposit is real estate. But in fact, any property that tends to rise in price over time can act as an asset. This may include:
Antiques.
Art objects.
Precious metals and stones.
Collectibles from coins and stamps to vinyl records and comics.
Of course, in order to create a portfolio of antiques or paintings, you need to deeply understand this. Personally, I can not boast of such knowledge. But if there are connoisseurs or at least amateurs among my readers, then you can try. The main principle is simple: invest in something that, in your opinion, will rise in price in a few years. Moreover, the profitability can be simply fantastic. So, in 2014, a certain Darren Adams sold the first issue of Action Comics on eBay for $3.2 million. And, by the way, it originally cost 99 cents, however, it was already in 1938.
I will not stir up topics unfamiliar to me, so as not to mislead you, and I will tell you about those types of property suitable for building passive income, which I know firsthand.

How much can you earn in real estate?

If we talk about Russian real estate, then the answer is the same as with bank deposits - not at all. Extracting passive income in Russia from Moscow and St. Petersburg real estate made sense a few years ago. But now the situation is fundamentally different. In order not to be unfounded, I will explain in detail what real estate buyers and landlords usually earn on.

On housing transactions, you can receive residual income three times:
At the construction stage, an apartment costs 15-30% cheaper than by the time the house was put into operation. That is, for 1-2 years, while the construction is going on, you can increase your investments by a third without doing anything. The only catch is long-term construction. Therefore, you need to choose only objects of large developers and developers who have access to borrowed capital.
rental income. Actually, this is the rental of housing. Excluding expenses, the average annual return is approximately 4-6%. Note that this is even less than the interest rates on deposits.
Object appreciation. If in the case of deposits, inflation "ate" our money, then here it plays into our hands - real estate becomes more expensive along with all other goods by about 10-12% per year. But even in this case, not everything is so simple, as I will discuss later.

So how much can you earn? If you successfully buy an apartment in a house under construction at the stage of excavation, in 1.5-2 years you will receive an increase of 7-15% per annum. A little, but not bad. Further, every year the object, subject to the growth of the real estate market as a whole, will increase in value up to 12% per year. Passive income from renting out an apartment is about 5% per year. Thus, in 5 years, ideally, you can recapture an average of 70% of the money invested. That is, the total yield is obtained at the level of about 14% per annum.
This is barely enough to cover inflation. But in fact, you will not receive such income. Why?

There are several reasons:
New buildings no longer bring such high profitability for the period of building a house, and the risks of running into a long-term construction are constantly growing.
When renting out a home, there are a lot of side costs, including the cost of finding tenants, buying and periodically updating furniture, major and cosmetic repairs, taxes, and finally. Also, don't forget to account for periods of downtime when there is no tenant yet and utility bills keep dripping. As a result, the real rental yield barely reaches 3% per year.
Real estate markets around the world tend to so-called bubbles. While these same bubbles were forming, Moscow new buildings were steadily adding in price by 10-12% per year. But in 2015, the holiday ended - the balloon began to deflate, and at a rate of 14.5% per year in rubles and as much as 33.6% in dollars.

Thus, in 2015, the owners of Russian real estate received a negative return. Rental income is penny, and the assets themselves have fallen in price by a third in dollar terms. As you can see, real estate is even less profitable than opening a bank deposit.
Does all this mean that you can’t make money on real estate at all? Not really. You can create a good passive income business for housing in the EU, USA, Canada, as well as in popular resort regions.
In Europe, the average profit of a rentier is 3-5% per year from one object. The figures seem to be the same as in the case of Russian apartments, but in euros. This means that the profitability of European real estate will completely cover not only the official, but also the real ruble inflation and even bring quite a tangible income. In addition, investing in housing allows you to protect your investments from the consequences of the devaluation of the ruble.

How to make passive income in real estate correctly?

If you do decide to invest in a home someday, here are a few tips:
in the coming years, buy housing only abroad;

Why do I advise using gold as a source of passive income?

Gold does not have a fixed price or any fixed rate of return. Therefore, in some periods, one can observe a decline in prices for the yellow metal. However, if we take the long-term dynamics, then gold has been steadily growing in price since 1938, when its rate was sent to free float.
Now about the size of the yield. In the period from 04/01/2015 to 04/01/2016, that is, exactly in a year, gold at the rate of the Central Bank of the Russian Federation increased from 2,185 rubles to 2,691 rubles per 1 gram. The annual yield was 23%. As you can see, this figure completely covers the official inflation and gives a good profit. Of course, in dollars or euros, the numbers are not so impressive, but you can also get a decent passive income there.


If we consider the long-term perspective, then for 7 years from 04/01/2009 to 04/01/2016 a gram of gold at the rate of the same Central Bank of the Russian Federation has risen in price from 1,001 rubles to 2,691 rubles. The cumulative price increase for the entire period is 169%! Thus, the average annual passive income is 24%. And note that this is taking into account local declines in the gold rate.
In my opinion, this is one of the best tools for conservative investments. Buying gold, as well as opening a bank deposit, does not require special knowledge, while these instruments are incomparable in terms of profitability, and the risks of investing in precious metal, it seems to me, are much lower than those of Russian bank deposits.
The only problem with gold is that it is desirable to invest in it for a long time. That is, they bought an ingot or coins and forgot them in a safe or a bank cell for 5-10 years. In fact, it is a strategic investment. If you want to establish passive income right now and monthly, then precious metals are not suitable for this. Then it's better to try binary options: . Moreover, this tool allows you to earn on gold, including only through short-term speculative transactions.
Either way, gold is definitely worth using to diversify your asset portfolio. This will significantly reduce the risks for assets with higher returns, but, accordingly, with increased risks.
Let's move on to the practical side of the question: how to get passive income with investments in gold? There are two options: buy coins or bars or open an unallocated metal account.
In the first case, directly upon the purchase of coins or ingots, the price will include VAT at a rate of 18%. That is, at first it can be considered a net loss. However, as I noted above, gold is suitable mainly for long-term investments. So, if we distribute these 18% over 10 years, we get 1.8% per year. With an average yield of 24% per annum, these are quite acceptable losses. Plus, when selling, if you follow all the rules, you will have to pay personal income tax - 13%. This is another 1.3% per year. Total total passive income after taxes when investing in gold for 10 years will be 209%. I think it's not bad even with an annual inflation of 13%, you end up with a 79% gain.
Now let's say a word about an impersonal metal account. You can open it in most banks. The account will take into account your gold in grams. In theory, you can pick it up in kind at any time or sell it to a bank and immediately get cash. True, in reality, banks are not very willing to issue gold to the client and often delay the execution of this legal requirement of the account holder. Again, the question arises of trust in the banking system in general and a particular credit institution in particular. By the way, the deposit insurance program does not cover CHI.
And one could say that buying gold in kind is definitely better. Agree, it's nice to hold your own gold bar in your hands. However, there are three "buts" at once. Firstly, when opening a CHI, you do not have to pay VAT. Secondly, you can open a fixed-term account, which involves the accrual of interest. That is, passive income will turn out to be a little more, although the interest rates on CHI are more than modest - an average of 1% per year. A trifle, but still nice. Thirdly, there is the issue of security. Bars or coins must be stored somewhere. You can rent a safe deposit box, but these are additional costs and a meeting with the bank again. So it remains to bury your treasure on some island.
By the way, strategic investments in gold also have an alternative - speculation on fluctuations in the precious metal's rates. Forex brokers provide this opportunity, but there is one catch: to trade gold, you need a fairly large capital, and errors in forecasting changes in quotes can lead to a drain on the deposit in a matter of minutes. Therefore, I would advise you to choose binary options. They also allow you to work with gold, but the size of the entry ticket and the risks are much lower there, although the potential passive income remains at the same level. You can find out what binary options are from this article:.

Method number 3. Creating an intellectual product!

Alas, it is almost impossible to create a residual income without at least a minimum investment. Actually, there is only one way: to create something of value. The choice seems to be limited, but in fact it is extremely wide. You can make money from writing, inventions, photography, blogging. Especially successful developers of mobile applications earn good money these days.
Of course, there is no single recipe for monetization for all of these undertakings, but in many cases you can find at least an approximate strategy for creating and promoting a product in demand. The web is literally teeming with advice on how to earn passive income online by blogging or building a data site, or how to make a fortune as an iOS app developer. I confess that I am far from a specialist in these matters, and the format of the material does not allow us to consider in detail all the many quite sensible recommendations for creative people who want to create a source of passive income.
Here I will give a few examples of how real people, like you and me, create billions of dollars of capital from scratch and how much they manage to earn:
YouTube blog author Felix Kjellberg's videos are regularly watched by 40 million subscribers. The channel has an annual revenue of $12 million.
Ethan Nicholas, a developer from North Carolina, USA, earned $ 800,000 on a simple iShoot game.
Canadian Danielle Fong has come up with a new way of accumulating and storing energy received from wind turbines and solar panels. Over $30 million has already been invested in her startup by Peter Thiel and Bill Gates.
German photographer Andreas Gursky managed to earn $ 4.3 million from the sale of one of his photographs. Of course, his income is not limited to this.
The fortune of one of the most successful artists of our time, Damien Hirst, is about $1 billion.
Probably, the well-known writer JK Rowling earned $ 1.5 billion on her wizard Harry. This is the total income from the sale of all copies of the book series and the film adaptation of bestsellers
Unfortunately, such methods of passive income do not imply any guarantees of commercial success. So photography, painting or writing makes sense mainly for the soul, and turning the results of creativity into millions and even billions of dollars is mostly a matter of chance.
As for the practical side of the issue, do not forget about such trifles as copyright registration. In particular, to obtain a patent for an invention or utility model, you need to apply to the Federal Institute of Industrial Property. And if you've written a book and want to be on the safe side before offering it to publishers, print it dated and mail it to yourself.

Method number 4. How to become Warren Buffett: passive income on securities!

Where can I get money to start my own business? This is the problem faced by 95% of new entrepreneurs! In the article, we have revealed the most relevant ways of obtaining start-up capital for an entrepreneur. We also recommend that you carefully study the results of our experiment in exchange earnings:

Warren Buffett is the most successful investor in the world. The fortune of this Oracle from Omaha in 2008 was $ 68 billion. Only a genius can repeat such a success, but history knows thousands of other examples when multi-million dollar fortunes were created on securities. Can you use this method? To answer this question, let's first get a general idea of ​​the main types of securities.
Stock. Companies use this type of securities to attract investment capital. In this case, each shareholder becomes, in fact, a co-owner of the enterprise, although the share of the majority of shareholders, of course, is negligible. Stocks generate income in two ways. First, there are dividends. At the end of each reporting period (usually a year), the company sums up its financial performance and makes a decision on the distribution of profits. The latter goes to shareholders in accordance with the size of their package.
Secondly, you can receive passive income from the rise in the price of shares for the period that has passed from the moment the securities were bought to the moment they were sold. Of course, there is a risk here, and a rather high one, that stock quotes will fall, that is, instead of profit, you will receive losses.
Shares are of two types: ordinary and preferred. The former give votes at the shareholders' meeting, the latter provide their owners with a higher income, since they involve the payment of either a fixed amount or a strictly defined percentage of the profit.
Bonds. These securities are debt obligations. In fact, the issuer (the person issuing securities) borrows money from you for a certain period, after which he undertakes to buy back his bonds from you, usually with a certain fixed income. Bonds can also be perpetual and with periodic coupon (income) payments during the entire period of the debt obligation.
The advantage of this type of securities is that you are guaranteed to receive a certain yield. The risk is limited only by the solvency of the issuer. That is, if the state or the company does not decide to declare itself bankrupt, the money paid will definitely return to you, and at the same time the income established by the issuer. It should be noted that the yield of bonds depends on the degree of risk, but usually it is small.
Now let's discuss derivatives - derivative financial instruments. These are securities for securities or for goods. Unclear? Now let's look at everything in more detail, and you will understand.
Futures. These are contracts for the purchase or sale of certain assets. They indicate the quantity of goods, currency, shares or bonds, delivery time and price. Upon the due date of the contract, either the actual delivery of the asset or cash settlements are carried out. That is, you do not have to pick up the goods themselves, you can receive monetary compensation.
The essence of operations with futures is to buy a contract with a lower strike price, and sell it when the market price of the underlying asset, and with it the contract itself, rises significantly. For example, you bought a futures contract for Brent oil with an exercise price of $28 per barrel, and a couple of months later it rose to $35. We sell the contract, fix the profit. By the way, oil futures are one of the most popular instruments for investors.
The advantage of futures is that the value of the contracts is much lower than the value of the underlying assets. This allows you to get by with a smaller amount of initial investment and get more passive income than, say, from direct capital investment in shares. Meanwhile, losses in the event of a change in prices for the underlying asset not in your favor will be higher.
CFD. This is another contract, but this time not for the supply of the underlying asset, but for changing its price. One side is betting on an increase in quotes, the other - on a decrease. Upon the expiry date of the contract, one party pays the other the difference between the current value of the underlying asset and its price at the time of the conclusion of the contract.
For example, when concluding a CFD, the value of the underlying asset (shares, commodities, bonds, etc.) was $100. You have placed a raise bet. Now, if the value of the underlying asset is $110 by the time the contract expires, the other party will have to pay you $10.
The list of existing securities, of course, is much wider, but I have listed the most popular types of assets, and this is quite enough for everyone who is interested in how to receive passive income from investments in securities.

How much will you earn on securities?

Let's start with bonds. Profitability, frankly speaking, is modest. For example, Gazprom's medium-term ruble bonds currently in circulation have an annual yield of only 7.55%. For some bonds of VTB 24 with a face value of 1000 rubles, the income is 9% per annum with payments 4 times a year. A little better, but the problem is the same as with bank deposits - your passive income will not even cover inflation.
Now for the shares. For example, I will take one of the most profitable stocks in the world at the moment - Apple securities. The cost of one share of the company in April 2016 reached $108. Dividends for 2015 were 47 cents per share. You understand, not much, at least if you do not have several million dollars to invest.
In fact, dividends are not large. The main profit comes from the growth of quotations.

So, 6 years ago, that is, at the beginning of 2010, the cost of an "apple" share was only about $28. Thus, during this period, the company's shareholders received a passive income of 285%, not counting dividends. The average annual yield was over 47%. Not weak, right?!
But I emphasize again, Apple stock is one of the best examples on the market. Unfortunately, the majority of corporate securities cannot boast of such indicators. In addition, there is always a high risk of a significant drop in quotes, and it is far from always possible to predict it accurately enough.
Profitability on futures and CFDs depends directly on you and your skills in predicting changes in underlying asset prices. So it's pointless to give specific numbers here. I can only say that successful derivatives traders earn very, very impressive capital.

How to buy stocks and bonds?

Some securities can be bought directly from the issuer. In other cases, you will have to turn to the services of professional market participants - brokers.
All companies set their minimum initial investment. Most brokers won't lift a finger if you show up with less than $50,000, but you can find companies with entry fees as low as $200. True, with such a modest amount you can’t really clear up, and you can’t count on big profits from a long-term investment of a couple of hundred dollars in securities.
Although you can start with this, but I would recommend doing binary options with a small capital. This tool allows you to work with both stocks and bonds, but investments are required many times less than if you bought securities, and the yield is many times higher. In order not to be unfounded, I publish on my transactions.
When choosing a broker, it is very important to check its reliability, the quality of technical support, and most importantly, to inquire about the amount of commissions for transactions, deposits and withdrawals.

Just the truth: can you make money on securities?

For a private investor, the easiest way to invest in securities is to buy and forget for a few years while the income accumulates. This is a strategic investment. The problem is that for a long-term investment in science, you need to look for a "safe haven", and now there is no such place anywhere in the world. So, in the early days of 2016, we could observe the largest collapse of the Dow Jones index since the Great Depression. And, by the way, this index takes into account the stock prices of the 30 largest US companies, such as Coca-Cola, Boeing, General Electric, Intel Corp., Nike, etc. So investors received multibillion-dollar losses as a gift for the New Year.
One might, of course, think that the range of securities is not limited to American companies. But the situation is no better in other countries. In particular, on the same days when the Dow Jones suddenly fell ill, its Chinese friend, the Shanghai Composite index, collapsed even more.
So, there are virtually no “safe havens” for capital in the stock market today. True, you can try to define money in the shares of companies of the "new economy". These include payment systems, search engines, social networks, software developers, device manufacturers.
If you absolutely do not understand anything in all this and are not too eager to constantly follow economic and political news, it is easier to transfer money to trust management. Brokers and management companies offer different investment strategies, diversify the package and adjust it depending on the market situation. Of course, you will have to pay a commission for all this happiness, but it is easier than delving into all the wilds of the strategic analysis of the stock market yourself.

Mutual investment funds.

This is an alternative to direct trust management of your money in a personal account. Here we are talking about collective investment. The fund sells its shares, due to which the total investment capital is formed. This money is invested in assets: stocks, bonds, real estate, etc. The natural goal of the fund is to extract as much profit as possible from these investments. Income is divided between shareholders in accordance with the number of shares.
The main advantage of mutual funds is the ability to invest in expensive assets with a small amount. For example, you have 30,000 rubles. With this money you can buy only 4 shares of Apple. It seems to be not bad, but the risks are extremely high - remember, we talked about diversification. You can go the other way: buy 3 shares worth 10,000 rubles each, choosing a mutual fund with a strategy of investing in companies of the "new economy". There will be our beloved Apple, and Facebook, and Microsoft, and much more. Of course, the presence of less profitable securities in the portfolio will reduce the overall profit. But, at the same time, the risks will also be reduced, and many times over, and we must always strive for a reasonable balance of risks and profitability.

Method: 5. Passive income from your own business!

I think it makes no sense to talk about how much a successful entrepreneur can earn, given that the brightest examples are on everyone's lips: Jobs, Gates, Branson, or personally my idol Elon Musk. The only question is how to turn a business from active income, when you disappear into the office day and night or ride around cities and towns, visiting representative offices of your company, precisely into a passive income business.
In general, there is no big science here. First, you need to clearly articulate the mission, core values ​​and strategy of the company. Secondly, it is necessary to adopt a process approach to the internal organization of the enterprise. That is, all the work of the company should be divided into separate simple processes and written in the form of job descriptions for each employee. Such a system involves the creation of control points, the verification of which is sufficient to track the activities of the company and its results. In this way, you will get the opportunity to manage the company with minimal time costs. She will work like clockwork. All you have to do is correct course.
When the company is already built and brought to cruising speed, there is no need to manage it yourself. You can hire a CEO (Chief Executive Officer) and dump the burden of leadership on him.
Of course, such methods of passive income involve one pressing problem - the question of finding initial capital is acute. I wrote my thoughts on this topic in this article:

How to create a business empire through franchising?

Imagine you have created a company. Successful. Effective. profitable. But want more. To give up the dream of putting the business into passive mode, and at the same time from your dolce vita to profit from a stand-alone company? Roll up your sleeves again and take on the development of the enterprise, expanding its presence in other regions? To do this, you will have to disappear on business trips for months, build up administrative resources, and, by the way, costs will grow along with it. In addition, there will be a problem of attracting money to expand the business. You can use my modest recommendations:. However, for the full-scale development of the company, it is unlikely that it will be possible to do without borrowed funds.
This path has a much more profitable and simple alternative - franchising. Its essence lies in the fact that you sell your finished business model along with the right to use all technologies, brand, documentation templates to other entrepreneurs. They, in turn, open representative offices of your company in the regions at their own expense.
This solves three problems at once. Firstly, franchise buyers invest in the expansion of the company. Secondly, they also provide management of enterprise divisions, without the need for strict centralization and constant control from the center. Thirdly, unlike hired managers, the franchisee treats a division of the company as if it were their own business. He is personally interested in achieving maximum efficiency and profitability of the enterprise. As a result, there is no need to inflate the management staff to control the work of regional divisions and puzzle over the methods of stimulating managers.
What do you get? First, the franchise buyer pays a lump-sum fee right away. Secondly, you will receive royalties from the profits of all affiliates - this will be your passive income. The parent company requires precise step-by-step instructions for opening a company, technology for creating a product and sales, a marketing strategy, in a word, everything that you already had to do in the process of creating your enterprise. Additionally, you only need to organize a small department that will promote the franchise, interact with potential buyers, as well as advise them and help them solve problems.
How to create a passive income business through franchising is pretty clear. The question remains - how much will you earn. It is hardly possible to estimate the potential profitability of the network. It all depends on the quality of the business model and development strategy. But as a sample, I will list several well-known brands, the development of which is carried out precisely on this technology: KFC, Subway, Traveler's, 2GIS, Yves Rocher, Well, Expedition, Sbarro.
Now a more specific example in numbers. The lump-sum fee for purchasing a Subway franchise is 600,000 rubles. Monthly payment in favor of the franchisor (royalty) - 8% of revenue plus 1.5% of turnover as an advertising fee. The turnover of one point varies between 5-9.5 million rubles, and the total in the network in Russia is 673. Thus, the total income from the entire network is more than 390 million rubles, excluding advertising fees.

mlm. Can you create passive income with network marketing?

About 20% of American millionaires made their fortune in network marketing. Here is the answer to the question about the possibility of making money on MLM. I think that today it has become even easier to use this model of building a business than 10-15 years ago. This is due to the relative simplicity and availability of tools that allow you to quickly develop a network of partners via the Internet.
Network marketing, in fact, is one of the options for a business development strategy. The same franchise, only simpler and much more affordable for partners. This option is suitable for products whose sale does not require a retail outlet or office.
Yes, for many, such examples of passive income cause some irony. But this is rather due to the somewhat intrusive and even sometimes clumsy nature of the work of distributors. In fact, the model is quite working. You get a product without significant investments, which you can trade without organizing a point of sale, recruiting personnel and other difficulties. You just make each of your regular customers a partner, he continues to buy products himself and sell them to his friends, and you get income for this without the slightest gesture.
MLM has enough advantages:
Minimum initial investment. In most cases, you can get by with $200-300. That is, your risks are limited only to this amount.
No paperwork, and, therefore, no need to spend money on the services of a lawyer, accountant, etc.
No need to master the intricacies of the art of personnel management. In fact, you have a lot of people from whose purchases and sales you receive income. At the same time, they all act independently without additional motivation, as is the case with a franchise.
No hassle with the tax service, numerous inspections of regulatory authorities, economic disputes with contractors, etc.
It is possible to create a branched multi-level structure literally in 2-4 years, and then, at least for several years, it will bring impressive passive income without much effort.
Of course, a lot depends on the choice of brand. For example, I see no reason to join such painfully familiar structures as Avon, Amway or Herbalife. I think it's better to bet on a brand promoted abroad, but new to the Russian market. So you will be more likely to create a large pyramid of partners.

Method number 6. Don't know how to create your own business? Earn on someone else's!

We have considered almost all examples of passive income that I wanted to analyze in this material. The last thing left is investing in someone else's business. It would probably be more correct to call this investment in venture, that is, high-risk enterprises, since we have already touched on investing in shares and bonds of developed stable companies above.
The point here is to find a promising startup, help it with money in exchange for shares and either regularly receive some share of the company's profits, or wait until its securities grow many times in price and sell them. There are many examples of successful capital investment in venture capital companies. Of course, the most famous are large investors. For example, Jim Goetz turned $60 million into $3 billion by investing in WatsApp. Douglas Lyon made a fortune of $ 2.2 billion on Google, YouTube, WatsApp. Approximately the same earned Peter Thiel on PayPal and Facebook.
All these respected people, as you understand, “graze” in Silicon Valley, where you go with your $ 1000, they will kick you out like a beggar. However, this does not mean that you cannot, having a small amount, join the ranks of venture investors.

How to become a venture investor?

Take on the role of a business angel. In my opinion, for a non-professional investor with little capital, it is better to choose other ways of passive income, since this option is the least profitable and at the same time extremely risky. The bottom line is that you find start-up entrepreneurs among your friends or just online and provide them with funding. The chances of success are extremely small, unless you yourself are an experienced businessman and are not ready to take part in the project.
crowdfunding platforms. Angellist and StartTrack and other platforms allow you to invest a relatively small amount in several startups at once, and transactions are carried out through a special online service. An additional advantage lies in the possibility, when choosing projects, to focus on the decisions of other investors, including professional ones.
syndicated deals. These are joint operations of groups of investors that exist on the same crowdfunding platforms or with investment funds. This approach allows you to invest together with professional players and gain access to better and more promising projects. The disadvantage of syndicates is the fees for related services.
Venture funds. If you do not already have, say, $1 million, then this option will not suit you. But we are working for the future, right? So this is worth considering as well. It is good because you do not need to understand existing projects and personally choose startups - professionals do everything for you. You are only required to transfer money to the management of the fund for 5-7 years.
Considering venture investments as passive income, keep in mind that in order to ensure an acceptable level of risk, you need to distribute capital among at least 10 projects. At the same time, it is necessary to select only high-quality startups. To do this, follow venture project competitions, as well as read articles in the media with selections of promising companies.

Passive income. How it works?

Each of us has an elementary set of resources: time, physical strength, the ability to perform simple tasks. Many also boast a good education, work experience in any field and just a smart head, which in itself is not as common as we would like. So the difference between a dollar millionaire and an ordinary hard worker who lives paycheck to paycheck is how they manage these resources.
An employee, of which the vast majority, in fact, makes a direct exchange of his time for money. At the same time, the cost of each hour or day directly depends on the value of his skills, knowledge, experience, and productivity. And this is called active income. Rich people, in turn, directly or indirectly invest their available resources in the creation of assets - values ​​that can generate income without further investment of the resources of their owner. Therefore, passive income is also called residual from the Latin word residuus - remaining, preserved. The work has already ended, and the profit is saved for an unlimited time.

Why does this method of extracting financial benefits bring many times more money than ordinary wage labor? It's simple: you can create a package of assets, the total value of which for the market will be hundreds of times higher than the value of your personal time with all the skills and knowledge combined.

3 types of sources of residual income!

What can act as assets? I have already given specific options for passive income above, and now I will try to explain the essence. So I would divide all assets into three categories:
The first type is things that rise in price on their own. That is, receiving passive income or another currency is earnings on the difference between the price you paid when acquiring property and its value, say, in a year or simply by the time you decide to sell this property. For example, you bought shares for $15 apiece, and after 5 years they are already worth all $115. The cumulative return is 766%. This is a brilliant result, I tell you.
In the second group, I would include property that can be sold an unlimited number of times. An example is a patent for an invention. You can sell the right to use your invention to multiple companies during the lifetime of the patent. At the same time, you worked only once - when you created your invention. And it can bring a stable passive income for decades.
The third category is assets that themselves create new value, and you receive income from its implementation. Any company can serve as an example. Once you have created a successful business, you can retire, but the activity of the enterprise itself will not stop. It will continue to produce goods or provide services, to profit from their sale, and some of it will safely settle in your fattening pockets.
I want to note that this is not a free retelling of some scientific classification, but my own view on the types of passive income. And I’m telling you all this so that you understand the general principles of asset formation and can find and choose for yourself the most convenient and interesting methods for creating sources of residual income, not limited only to my or someone else’s advice. In the end, you need to do what you get real pleasure from, otherwise you will not be able to achieve truly grandiose success.

What's stopping you from creating passive income?

I'm sorry, but now I'm going to be smart. Or rather, demonstrate their modest knowledge of economic theory.
In the interpretation of the Austrian economic school, capital is defined as resources that we do not consume right now, but use them in order to get a higher level of consumption later, in the future. And profit, in turn, is a payment for the risk of losing these very resources, as well as for the fact that you have to be patient a little and postpone the moment of consumption until later.
Actually, in these definitions there are four main problems that prevent the creation of residual income.
Problem number 1. We resolutely do not want to endure and postpone the sweet moment of consumption for the future. We want to eat, drink, use everything right now. Life, in fact, constantly offers you a choice: crack one dubious-looking caramel this very minute or wait a week and get a whole box of delicious chocolates. And what do you usually choose? There will be no hints here - answer yourself, only honestly.
Problem number 2. Bad time management. Instead of properly scheduling and investing part of the time in our assets, that is, future consumption, we either give this time to the uncle for whom we work overtime and on weekends for a “thank you”, and often without any thanks, or we bring precious hours and days as a sacrifice to the gods Divan and TV. There is only one way to overcome this problem - timing. I must say, time management is a whole science, although it is easy to understand it. I advise you to read books on this subject by a recognized guru in this field, Brian Tracy.
Problem number 3. Bad financial management. Remember Matroskin's phrase: “In order to sell something unnecessary, you must first buy something unnecessary. And we don't have any money!" Here is the third problem of creating residual income. This requires at least a small capital, but where to get it? I have already outlined some of my thoughts on this topic in the article. In general, you need to learn how to plan your budget and save. Just make it a rule to set aside, say, 10% of all your income every month, and whatever happens, stick to this principle.

This rule is directly related to the third problem of residual income, that is, risks, and is expressed in just one word - diversification. The essence of this approach is to distribute your capital into several assets with different levels of risk. For example, you can build a portfolio of stocks, bonds, and precious metals.
Why is this needed? This is how we minimize risk. For example, if you invest all your money in the shares of a promising young company, then the probability of losing all capital is extremely high if the enterprise does not live up to expectations. And you can do otherwise. Part of the money is in high-risk securities. Another part is in gold. The risks here are much lower and in the long term, the yellow metal shows a stable and very decent growth. And, finally, define another part of the money in bonds, which have a small but fixed value.
Having such a portfolio, on the one hand, you provide yourself with the opportunity to receive a high and stable passive income from shares. On the other hand, you protect yourself from a total loss of capital with bonds and gold. Thirdly, at least part of the invested funds will certainly bring some profitability, which will compensate for potential losses from the loss or fall in the price of other assets.

What passive income options do I choose?

You can learn about my entrepreneurial history in this little autobiography: . In short, I have already built my business, and it is he who serves me as the main source of passive income. But, since it is useless for a real entrepreneur to stagnate, I, firstly, planned the expansion of my company, and secondly, I mastered a new way to increase my capital - trading on the binary options exchange.
This option is not entirely suitable for obtaining passive income itself, since it involves the trader's personal participation in each transaction. However, I will still say a word about it, because, in my opinion, binary options have several advantages at once over each of the above methods of earning:
Low entry ticket price. In contrast to the minimum required costs to create your own business or a diversified portfolio of stocks and bonds, $300-500 is enough to get started with binary options. Of course, to ensure good returns and minimize risks, it is better to allocate a slightly larger amount.
High profitability, many times higher than inflation. Profit from speculation with binary options can reach and even exceed 100% per month of the initial capital. None of the above methods bring such income.
Everyone can master the work with binary options and reach a consistently high profit in 1-2 months.
However, I must immediately upset the lovers of freebies - it is not here. It will not be possible to do without preliminary study and rather painstaking work at the very beginning. You can learn more about how to start from this article:. But then you can make several profitable trades a day quite easily, spending a total of no more than an hour on it. Here is one example of my transactions:

I hope my recommendations on creating passive income will help you figure out how to grow your personal financial empire and avoid common mistakes. I wish you good luck and all the best.
Sincerely, .

I am glad to welcome the readers of our portal! Oleg Zolotarev is with you. Today we’ll talk about the now popular phrase “passive income”. Many dream about it, because it's very cool, you see, to do nothing and get paid for it. But is it really so? What is passive income, what activities can be attributed to it, as well as what time, material and physical costs are behind it, we will analyze in today's article.

Passive income: a general concept!

Each of us roughly understands the meaning of the “passive income” category, because the clue lies in the phrase itself. Passivity means inaction. This means that the income received in this way does not imply an active labor process from a person. Thus:

Passive income is the receipt of remuneration with some frequency without the need for daily work.

It is safe to say that building a reliable base that will provide its owner with a good passive income is the highest level of financial independence. This is the bar that everyone needs to strive for, because it is then that a person will be able to feel complete freedom, enjoy life, have enough time and money to implement their plans and translate their desires into reality.

Unfortunately, not all types of passive income can provide such freedom. More often than not, available sources, such as bank deposits or real estate rents, provide the owner with a steady addition to their basic income. However, there is no need to talk about living luxuriously solely on these cash receipts.

Of course, there are exceptions here too. Among my acquaintances there are people who at one time acquired a dozen apartments in Moscow and now safely rent them out and receive their considerable passive income. However, there are not many such people. The same applies to the situation with bank deposits. Given the low percentage of profitability (about 10% per annum), how much money should be owned in order to live comfortably only on interest? In this case, it is more expedient to invest free money in more profitable projects. I have already described affordable alternatives in the article Where to invest money in 2016 so as not to lose? Expert advice and personal recommendations!

In addition to these sources of passive income, you can also highlight:

securities, patents for certain inventions, software products or creative objects, trust management of own assets in business or financial markets, passive income on the Internet in the form of your own portal, affiliate programs.

Passive income requires an initial investment! Where to get them?

Whatever the source of passive income, there is one common feature for each of them - it is the presence of initial capital. It is impossible to achieve complete financial independence without initial investments. To receive interest on the deposit, you need to have this same deposit. To buy a security, you need money. To build your business, and then simply control its activities, you need a lot of money. To write a book, make a film or come up with an invention, and subsequently acquire copyright, financial resources are also needed.

However, what should a person who does not have the necessary financial layer do to forget about his dream of having a passive income? Of course not! Now you can just look at the screenshot of my screen and see the amount of money indicated in the corner:

I can freely dispose of this money: I can spend it, or I can make it a source of passive income. However, friends, this figure did not appear out of nowhere. This is the result of my long-term work in the financial markets using a modern investment method - binary options. Right now I suggest watching a short video about them:

I have been trading binary options for several years. This way of income gradually turned from an interesting hobby to the main source of income. Skeptics now ask to calm their negativity. Our portal exists only because other people need it. No one is forcing anyone to immediately start trading binary options. It just shows an alternative that, with the right approach, will help a person with a minimum starting amount and a great desire to earn decent money, which can later serve as a platform for passive income.

Actually, my interest in this source of income appeared when I got acquainted with the Pamm-Trade portal. While I was learning to trade, so to speak, I was improving professionally, the portal itself was changing along with me. Now just a huge amount of information has been collected here on the part of trading with binary options and Forex. I started with fairly simple trading strategies and a $250 deposit.

What has helped me succeed and multiply my investment? Firstly, I am by nature a person who likes to bring everything to the end. I don't stop because of small failures. On the contrary, they encourage me to move forward even more. Secondly, before I start anything, I thoroughly study the information. I am absolutely sure that knowledge is the weapon that, sooner or later, will allow you to make a long-awaited shot at the top ten. So it was with me. And in many ways, the merit of the Pamm-Trade portal and its founder, Viktor Samoilov, is here.

I received most of the theoretical training on this portal. Now it is much easier for beginners. More and more detailed manuals appear every day, in which every step of a novice trader is described. The most detailed work on the Internet, after reading which you will know everything about binary options - this is, of course,

An equally informative, but more compact source, which clearly and consistently outlines the steps in trading, is an article. Actually, it is from her that I would advise you to get acquainted with the functioning of this modern investment tool. And to understand all the nuances and subtleties, refer to the first indicated source. You will definitely find answers to all your questions there.

You can rent out housing in any condition: renovated, not renovated, long-term or daily - the differences will be only in the amount of future passive income. But the fact that there is always a demand for rental housing is 100%. Now you don't even have to worry about looking for tenants. Agencies and private realtors have flooded the market so much that they will gladly and completely free of charge take up the search for guests for you. In most cases, the tenant pays the commission for the services.

Of course, the better the apartment, the higher the passive income you can receive. Location and proximity to transport interchanges also play a role. Prices for renting an apartment in the city center and on the periphery with identical conditions may differ by 1.5-2 times. Renting a house in a resort town can generally be the only and sufficient source of income.

Regarding whether to rent housing for a long time or daily, one nuance must be taken into account here: how much free time do you have in order to engage in daily rent? Naturally, earnings with this type of rental will be much higher, but the risks and the cost of personal time too. And we are not even talking about the fact that the landlord independently engaged in the search for clients, their accommodation and other organizational issues. It will be necessary to invest more money and time in daily housing: change something, repair something, perhaps even listen to neighbors' complaints. There will be many questions and they will often arise, because the audience for such a lease can be the most diverse, 50% of tenants will be, to put it mildly, dishonorable people.

Regarding the long-term lease, here passive income is provided in its purest form. I remember when I also rented an apartment, communication with the owner was minimal. For 5 years of residence, I saw him only a couple of times, transferred the monthly payment to a bank card, if something fell into disrepair, I repaired it myself and included it in the cost of future rent. If you try to find decent tenants for a long time, with whom there will subsequently be no problems with payment or damage to property, then for many years this will be a good addition to the main income with your minimal participation. And if there are several such real estate objects, then, of course, you can live in peace only on this passive income.

Option #2: Passive Business Income!

This type of passive income is also possible, but the main problem that you will have to face is the selection of management staff. After all, the work of your business, and hence the size of your dividends, will depend on it.

Now there will be no talk of building your business from scratch and giving it to trust management. If anyone does not know what the essence of this term is, then it is described in detail in the article. I am 100% sure and have repeatedly seen how the owners treat the business that they built with their own hands. This attitude cannot be called otherwise than to your brainchild. What parent would give their child to another family? Therefore, businessmen who started from scratch and invested a lot of effort and time in a company that is successfully operating in the market will never voluntarily give it into the hands of another owner. Only forced life situations can induce to do this.

Another thing is if you decide to purchase a ready-made business, but there is no desire or time to deal with it. In this case, you, as the owner, will receive your passive income in the form of dividends and occasionally control the state of affairs. However, here you need to be aware: if you are poorly versed in the specifics of the activity, then it will not be difficult for the current management to deceive you. Even if the planted person enjoys great confidence, is a relative or friend, sooner or later he can succumb to ordinary human vices - greed and a thirst for power. In such delegation of managerial powers, there is a huge risk that you will be deceived and robbed. You will either have to put up with this, or devote more time to control, or take the reins of power into your own hands. The last option, of course, has nothing to do with the concept of "passive income".

Option number 3: Copyright and passive income!

Writing a bestseller, creating a hit song, coming up with a useful invention can all be a source of passive income. However, how many people are capable of this? But the fact remains: such a method exists, which means that I had to mention it in my list.

As they say, and the stick shoots once a year. Joanne Rowling, a world-famous writer thanks to her fantasy novel Harry Potter, while working as a secretary-translator and living on one allowance for some time, also could not imagine that within five years after the release of her book she would turn into a multimillionaire.

In fact, there are many such examples. Did you know that Margaret Mitchell, author of the world bestseller Gone with the Wind, wrote only this one novel in her life, which later brought her and her family big fees? The book was sold in millions of copies, and the first screen version of the work added another 50 thousand dollars to Mitchell's piggy bank. After the death of the writer herself, the copyright for the work was distributed among her nephews.

It certainly takes a lot of talent to create something like this. It rarely happens that one work will be the only source of income for many generations. More often than not, authorship involves ongoing follow-up work. They wrote a book, published it, and then it is necessary to advertise it. When the interest of the public fades, it is necessary to come up with something new. Only in this case, income will be maintained at the proper level. Not every musical group reaches the level of the Beatles and not every literary work becomes a bestseller.

Regarding the legislation in Russia concerning copyright, it is valid during the life of the author himself and the next 50 years after his death.

Option #4: Passive Software Income!

In fact, this is the same authorship, only in the field of IT technologies and programming. If you have any innovative ideas in this area, then you are provided with passive income for a while. You are unlikely to become the next Bill Gates, although… For example, you know how to program for iOS and have created some necessary application for the iPhone that is so popular today, or you have come up with another interesting game for the social network Vkontakte. Who knows, maybe your development will become another hit. How could Twitter developers have imagined that this simple software solution will receive such huge popularity?

Or another option without authorship - buy a server and provide paid hosting services. But then you need to take care of technical support. If you want to do it yourself, then lying on the couch will not work, you will have to answer numerous calls from users.

You can try to become an Internet provider. However, it only seems that it is worth buying the necessary equipment once, connecting it, and subsequently receiving passive income for many years. In fact, the difficulties lie not so much in the purchase of expensive equipment (it will take about 3 million rubles), but in numerous organizational issues, for example, registering a legal entity, obtaining licenses, passing examinations. All this is also an additional cost. Subsequently, the same technical support is needed, workers for installation and connection, personnel control, etc. In general, lying on a sun lounger by the ocean with a mojito is unlikely to succeed.

Option #5: Passive Blogging Income!

Thematic blogs have now become very popular. The most popular topics among readers are finance, business, health, sports and more. The point of a blog is to provide useful and interesting information to visitors, and in return to receive income from contextual advertising or affiliate programs. Of course, there are many pitfalls in this area. Creating a website is the easiest task of all the upcoming ones along the way. Further, it will need to be constantly filled with high-quality and unique content. Of course, you can do it yourself, but this lesson will take a lot of time. It's easier to use the services of professional copywriters.

The advantage of article promotion over paid advertising in search engines is that the article will not disappear without a trace. You pay for it, post it on your blog, and it will be your long-term asset, which will subsequently lead to a lot of traffic. In addition, you will need to actively engage in promotion. Nobody wants a blog that hangs in the hundredth position in the search engines. In addition to SEO-optimized content, you will need to buy links, post articles on third-party resources, work on social networks, etc. That is, the work will be difficult and painstaking. Especially if the portal was created from scratch, in the first half of the year it is hardly worth dreaming about TOP positions.

However, as soon as you manage to budge a huge car, it will start to move by inertia, but you will only need to push it slightly. When your blog has a sufficient number of visitors (preferably at least 1000 per day), you can connect contextual advertising and earn on every click. Subsequently, you will not be as active in the site as at the beginning. But I would not dare to call such income absolutely passive. You will have to constantly maintain attendance: write new articles, improve usability, and attract the attention of visitors. Without all this, your portal will soon be lost in the ranks of more active competitors.

Option number 6: Passive earnings with the help of mutual funds.

Mutual investment fund (UIF) is a pool of funds of individual investors (shareholders) managed by professional portfolio managers, investing them in securities (mainly stocks and bonds), precious metals, real estate and other assets.

Simply put, you entrust your money to the management company so that they work effectively. Not everyone has the knowledge of the functioning of financial markets or the time to get it. However, there are people who have such knowledge, and they become the organizers of such funds, collect money from a group of people, invest it in various assets, and ultimately make money on it. You, as a member of the fund, also receive your share of the profits.

In Russia, the activities of mutual funds are strictly regulated by law, which is a significant plus for investors.

In world practice, such funds appeared a very long time ago, back in the 70s of the 20th century. However, in Russia, for the first time, mutual funds were formed in 1996, but at that time they did not gain much popularity. Since 2003, Russians have been actively entrusting their money to these funds.

The shareholder's income is the difference between the initial value of the investment and the amount that he will receive after the sale of the entire share or part of it. We should not forget that the fund is managed by professionals - portfolio managers, who, through the diversification of assets, minimize the risks of losses.

It is often thought that shareholders also receive dividends, but this is not so.

Mutual funds do not have any interest, dividends or other payments. Each participant receives his income only when selling his share (share).

Passive income from mutual funds: advantages.

What do mutual funds give to the investor:
1. The opportunity to enter the investment market even with a small amount of money due to the fact that the fund accumulates large capital from private contributions.
2. Do not participate in money management on your own, but entrust it to professional managers who understand not only which assets should or should not be included in the portfolio, but also can quickly respond to changes in market conditions and change portfolio assets in time.
3. A small risk of financial losses due to the diversification of assets and timely response to the market situation by investors.
4. Possibility at any time to buy additional shares, sell them, transfer them by inheritance or make them collateral.
5. Higher yield compared to bank deposits (it can reach up to 100% per annum and higher).
6. Lower commission costs for a brokerage company compared to if a person acted independently as an investor.
7. Confidence that the fund will not disappear just like many investment projects. The state regulates the activities of mutual funds at the legislative level. To prevent the abuse of depositors' funds, the money is separated from the management company. They are stored in a special depository, which also performs control functions. You can't just take money out of your account. The depositary can block the money at any time if he suspects any fraudulent activity. In addition, there are also supreme regulatory bodies - the Federal Service for Financial Markets and the State Tax Service.

Disadvantages of investing in mutual funds!

Of course, there are some disadvantages of mutual funds:
1. Risk of loss of invested funds. If the portfolio yield falls, then the shareholder is not guaranteed a return even of the initially invested amount, not to mention the profit.
2. Unknown return on investment. If with a bank deposit you know exactly how much money you will receive at the end of the term, then in this case the mutual fund does not have the right to announce a possible profitability.
3. Income from the sale of a share is subject to income tax at a rate of 13% for residents of the Russian Federation and 30% for non-residents.

Option number 7: Passive income classic - bank deposit!

A bank deposit is the placement of temporarily free funds of a depositor on a savings account in a bank to save and increase funds on demand or for a certain period specified in the agreement.

If investments in mutual funds or binary options are more innovative methods of money management, then a bank deposit is the most famous and common way to receive passive income. Everyone knows about it, and most people use this particular method, despite its low profitability, which sometimes can only cover the existing level of inflation.

A bank deposit in money or precious metals cannot be called an effective investment method, it is rather a method of saving one's money. Passive income from such investments will be negligible.

Option number 8: Trust management in financial markets!

You can trust your money in the management of professionals not only with the help of mutual funds, but also traders on the stock exchanges. Moreover, it can be both an over-the-counter market and quite real transactions, for example, on the American stock market or on the Moscow Exchange. The fact is that if in the case of mutual funds you do not risk being deceived, since its activities are regulated at the state level, then in all other cases no one will give you any guarantees.

Now any binary options broker or Forex broker will offer you a trust management service, but it will not take even a month for your money to fly into the pipe. This is natural, because the broker is not interested in his own ruin. However, in the case of real trading, for example, stocks or indices, trust management may well become a mutually beneficial cooperation between an investor and a trader, because they often divide profits and losses in half, respectively, everyone is interested in making a profit.

But the difficulty of entering the same New York Stock Exchange is that here you will not be limited to the initial amount of $200-300. In order for a trader to be able to work effectively with exchange-traded assets, a minimum of $25,000 is required. And of course, no one can guarantee you a stable passive income, because speculation in financial markets is, first of all, high risks. Even super-professionals cannot reduce all of them to zero.

Option number 9: Participation in affiliate programs and passive income from it!

The affiliate program implies your participation in increasing conversions (selling services or products, registering, clicking, filling out a questionnaire or other other action), for which you will receive an appropriate reward in the form of a percentage.

Affiliate programs are similar to network marketing, but if the MLM business involves your constant activity, then in the case of an affiliate program it may not be.

I will give a simple example: once upon a time I worked part-time on a copywriting exchange and became a member of an affiliate program. I had my own referral link, according to which the system determined all my attracted people: it doesn’t matter whether it was an author or a customer. When his account was replenished, a certain amount of money came to my account - a percentage of the client's replenishment. At the same time, I myself had long ceased to work on the stock exchange, and the money kept dripping.

These programs are now ubiquitous on the Internet. They are single and multi-level. Naturally, the second option is more interesting, because then you get passive income from a whole chain of attracted people.

It is believed that the largest partner remuneration (up to 25%) is offered for various information products - courses, online training, master classes, etc. On a hosting affiliate program you can get from 10 to 20%.

It is very good if you have your own website, then it is easier to make money on an affiliate program. However, even without it, you can distribute affiliate links in many ways, for example, through social networks, forums, mailing lists.

Findings.

Friends, today we have looked at various ways to get passive income in our time. What conclusion can be drawn from all that has been said? In the classical sense, it is rarely present anywhere. Almost everywhere you will be required to participate and some activity. Of course, passive income is not a myth. But in order to be able, without doing anything, to receive not miserable pennies in the form of interest on a savings deposit, but decent income, you need to try very hard. It is necessary to have either a good initial capital, or a profitable operating business, or an advanced Internet resource.

Having been trading binary options for several years, I managed to make a good amount of capital, but in the near future I do not plan to make passive income out of it, I am used to constantly acting and actively investing, and most importantly, getting a great buzz from this activity! After all, as you know, movement is life. And in my deep conviction, only its dynamic rhythm is the only true of all existing ones!

How to create passive income - 14 working ways + 12 tips for beginner businessmen.

To answer the question: how to create passive income, you need to understand how passive income mechanisms work, how money is accumulated in the account, and also what to do in order to start earning money without investing your time and effort?

Features of creating passive income and its difference from active

The main difference between passive income and active income is that it does not require investment of time and labor.

Money comes into the account by itself.

Of course, in order to ensure that profits enter your account, you will have to make an effort, but they pay off and bring money in the future.

Active income requires constant work, visiting the workplace and fulfilling one's duties.

To receive passive income, you need to perform certain actions once to receive it.

Receipts will occur over a certain period of time.

To get rich, you must have at least 1-2 sources of passive income, in addition to the main income received from a full-time job.

Many talk about this in their books and interviews.

When creating several sources of profit, you can completely leave your work activity “to your uncle” and start your own business.

How to Create Passive Income: 14 Best Ideas

Create your own website or blog on the Internet and promote it.

In this case, passive income is achieved by paying for advertising.

On average, on one site, a beginner can earn about 12,000 rubles.

And you can sell a site where the total number of visitors exceeds 5,000 people for 200-250,000.

You can not only earn passively on this, but also build a highly profitable business.

An alternative to the site is maintaining a VKontakte group.

One, well-promoted group can bring the owner from 8 to 15,000 rubles a month.

What if there are five such groups?

Sale of own seminars and training courses.

This option is suitable for those who graduated from a higher educational institution and have a diploma with the right to teach.

The hardest part is recruiting listeners.

However, if the topic is interesting, people will find you.

To write a book.

The royalties from the work go to the author until the book is withdrawn from sale.

Create an intellectual product.

For example, a computer program.

By obtaining a patent for it, you can also receive regular royalties from sales.

Or a car.

Even a one-room apartment can generate income comparable to the average monthly salary of a citizen in Russia.

Renting a salon, a hairdressing place.

The average price of one seat in a salon per month is 8,000 in a small town, and a salon is more than 20,000 rubles.

Government payments.

They can be received by the disabled, large families or people who have retired due to age.

Bank deposit.

Investing money in a bank against a deposit is not a great passive income, but for the most part allows you to save money.

However, nevertheless, with a large amount it is quite possible to receive not at all superfluous 3-10 thousand per month.

Sale of securities and mutual funds.

A good option for a long-term investment of capital with a view to making a profit.

However, it must be approached very carefully.

Gather all the information on the organization in which you invest your money.

The income from shares becomes large only after about 7 years have passed since their acquisition.

Own business.

A very good option for obtaining passive income, but it requires a lot of effort and time before it starts to make a profit.

Venture investments and profit.

To receive venture royalties, you need to invest in a newly opened company.

After a few years, you can start to receive a very substantial amount, depending on the amount of the contribution.

Investing money in investment and trust organizations.

Profit is formed through the redistribution of capital.

However, in this case, the risk of losing your investment is high.

Acquisition of housing under construction and its sale after construction.

A profitable option if there are funds for the purchase of one or more apartments under construction.

You buy it for 500,000 rubles, and sell it for 1,000,000.

However, most likely, you will have to make repairs, at least cosmetic.

When choosing a builder, you should be extremely careful.

Buy housing only from reliable, well-known developers that have been operating in the housing market for several years.

Finding the best option from the many existing ones is not a matter of one day.

You should carefully consider the actions, evaluate the initial capital and decide what is best for you.

Many people, thinking about how to create passive income They don't want to do anything about it.

However, at the beginning you will have to work hard in order to reap sweet fruits in the future.

12 Tips for New Business Owners to Create Passive Income

To become a free person in terms of finances, not to depend on the opinion and mood of the employer, you will have to work hard.

You are always looking for the best option for investing and starting a business.

Look for new assets that will later turn into liabilities.

• To become a wealthy person, strive to create several sources of passive income.
• Improve your financial literacy.

Be an educated person, read books, attend courses and lectures.

Lead the life rich people lead.

Before investing, explore all options, do not invest money at random.

Always have on hand the necessary documents confirming your investments in a company or bank.

• Break your cash capital into several parts and invest in different projects.

Calculate the risks of losing invested money.

If the risks are minimal, take the risk.

However, if intuition and common sense scream that the investment is not worth making, stop, no matter how profitable the offer may seem.

Think about your future every day.

Decide what you want to achieve.

Open your site on the Internet and develop it.

With a lack of capital, the site can be sold for a good amount of money.

• Find a mentor or coach who has already walked your path and will give you some ideas.
• Be prepared for the fact that in order to create a good passive income, you will have to work for some time, invest not only money, but also time and effort.

Don't try everything at once.

Focus on one project, and when you're done, try another.

Inflaming several projects at once, you can get confused and lose investments.

How to create passive income online?

Organizing your own financial project is a great way to create passive income.

You can open a business both in real life and on the Internet.

If there is no initial capital, or it is relatively small, the option of creating a business on the Internet is preferable.

Choose the job that works best for you.

This may be the creation of websites, the administration of a group in social networks, copywriting, Forex trading.

To start trading on the Forex exchange, you need to go through a month-long training and make several trial trades.

At the initial stage, invest the minimum amount and develop.

Robert Kiyosaki talks about how to create passive income in a video:

How to create passive income and gain financial freedom?

In books on self-development, achievement of success and wealth, millionaires give advice on achieving financial freedom.

We have selected the best ideas:

In order not to remain poor all your life, take the time to create passive income, even while working at your main job.

In a month or a year, these efforts will more than pay off.

Always strive to create as many sources of passive income as possible.

When you get a profit, invest it again.

Develop.

Financial literacy is a prerequisite for those who want to get rich.

Start at least by reading the books of the world's millionaires and billionaires and follow their advice.

People who think about how to create passive income are already one step above the rest.

Move forward, apply the recommendations we have described and become a millionaire.

• Why do I need a personal income tax certificate 2 and how to fill it out?
• How to get statistics codes: 4 ways

Greetings! Today I'm starting a new series of articles on personal finance. I'm sure a little motivation and useful life hacks won't hurt anyone. Let's start!

I believe that sooner or later each of us must reach a level where you do not work for money, but money works for you. Unfortunately, in Russia this is not taught either in schools or in economic universities.

But it's actually easier than it looks! And today we will talk about how to organize passive income in Russian realities.

The beauty of passive money is that it no longer depends on our efforts.

Take for comparison the income from employment. Let's say a home appliance sales manager. His monthly income consists of two parts: a fixed rate plus a percentage of sales. By the way, you can earn very decently at such a job. But! As soon as our conditional manager stops selling vacuum cleaners and washing machines, his income drops ... to zero.

Every working day, he exchanges his time and effort for a monetary equivalent. He stopped straining (he fell ill, quit, took to drink) - the money stream immediately dried up.

Employment is a classic example of active income. That is, income that directly depends on the efforts made by a person (like riding a bicycle).

By the way, freelancing and private entrepreneurship are also classified as active ways of earning. Their difference from employees is only that freelancers and individual entrepreneurs work for themselves: they plan the working day, look for clients, advertise, buy goods, pay taxes, and so on.

But the way to get a regular income remains the same: freelancers and private entrepreneurs exchange their time, effort and nerves for money. As a rule, at a more favorable “rate” than office managers, but you still can’t relax.

What is the difference between passive income and active income? A more favorable "exchange rate" of time and effort for real money! If the conditional exchange rate for an employee is 1:1, for a small entrepreneur 1:2, then a good passive source gives a return of 1:50 or 1:100! You work on creating a source of income once, and then the money drips constantly and without your direct participation!

You sleep - the bank account grows. You are on vacation - the electronic wallet is replenished. You travel - and the money only becomes more (well, or at least not less). Ultimately, the attitude towards work changes. Such an autonomous source makes it possible to work for the sake of self-realization or pleasure, and not in order to survive ...

Types and examples of passive income

For Russia, several types of passive income are relevant. In fairness, I note that abroad there are much more options. But we also have plenty to choose from!

Financial (investment)

This is perhaps the easiest way to secure a consistent source of payouts over time. The principle is simple: we invest in various instruments, receiving benefits in the form of interest and dividends.

There are a lot of options for investment income (including on the Internet): bank deposits, mutual funds abroad, securities, as well as income from real estate or car rental.

I want to dwell on securities in a little more detail. In fact, there is a whole article about this tool on my blog, but if you sum them up, then there are only two main types - and bonds. The first ones are a more risky option, but with their help you can earn more. Let's talk about them in more detail.

Dividend shares

Few people know that stocks are not only a tool for speculation, but also an excellent asset for making money: passive and regular. Russian companies have been paying dividends to their shareholders for a long time. On average, the size of dividend payments is now 3-6% per annum. But on the market you can find a bunch of offers and more interesting - 8-10% or more (for example, MTS, Surgutneftegaz, M-Video).

Source: Larisa Morozova

The development of the company guarantees the growth of dividends. And you, as a shareholder, get a "piece" of a promising company and a share of its profits on an indefinite basis. By the way, this approach to shares is also called.

Bonds

For those who prefer a stable interest (mind you, higher than the bank!) and a low level of risk, .

About 95% of bonds of Russian and foreign companies provide for the payment of coupon income (most often, twice a year). Bonds are a great alternative to bank deposits. They provide a slightly higher yield with the same or even higher level of reliability. Provided that you invest in high-quality, and not in "junk" bonds!

Intelligent, including online

This option implies the presence of creativity and minimal creativity. This includes copyright for a book or logo, or a patent for an invention. It is clear that classical intellectual income is not suitable for everyone and it will not be possible to tell in a nutshell how to create it. But I'll give you a couple of ideas.

On the Web, “tutorials” are sold in a variety of formats: books, video tutorials, personal consultations, webinars, courses, and paid access to materials in closed groups.

Naturally, all passive income on the Internet is associated with the creation of sites or services. Therefore, in order to start receiving such income, you first need to acquire your own project. Let me expand on my idea in more detail.

Participation in affiliate programs

Owners of promoted blogs and sites can passively earn on affiliate programs. In my opinion, this is one of the best income options on the Internet. The bottom line is that when you go and order a product / service via a link from your site, you receive a percentage of the purchase in the form of an affiliate reward.

It is clear that the theme of affiliate programs should correspond to the direction of the site or Facebook group. For example, a "children's" site can put affiliate links to online stores for children's goods, books in the "Labyrinth" or paid courses for young mothers.

In terms of profitability, affiliate programs are also very different. Someone pays more, someone less. Some charge affiliate remuneration honestly, others strive to deceive. Everything is like in life.

Therefore, it is better to select options on specialized sites - with descriptions and ratings of companies. Sometimes a relevant topic is suggested by a forum on investing in the Net. Don't forget to carefully read the reviews about the program!

Create online courses

Each of us is an expert at something. Try to create an online course on "your" topic. Other options for tutorials: video tutorials, e-books, audio files, checklists, interviews with experts, webinars.

1. The course title should display the result. For example, "Your first book in three months"
2. Break a long video course into several short podcasts on topics up to 15 minutes long
3. Consider the "clip perception" of the modern audience: less philosophical reasoning, more vivid images
4. Take care of a beautiful “picture”: background music, catchy intros at the beginning and end, infographics and slides
5. Provide feedback. Courses with homework checks usually cost more, but also take up more of the author's time.

Reviews on sites

Bonus point. I warn you right away that earnings on review sites will be scanty. Very few can boast of an income of even 1000 rubles a month. Yes, and to call this way of earning "passive" can be a stretch.

Who will suit?

1. Those who plan to master the profession of a copywriter and want to earn money writing texts. IRecommend and Feedback is a great opportunity to learn how to write short commercial texts with a catchy title
2. For those who still do not believe that you can make money on the Web. According to my observations, more and more money from real life "flows" into the Internet. And the winner is the one who will be able to use new opportunities before the rest.
3. Those who consider themselves an expert in one of the areas. If you are well versed in car accessories, natural cosmetics or books - share your opinion with others. Usually experts like to talk about what they know a lot about. So why not do the same for a reward? Albeit symbolic.

Marketing income

The point here is that you create a brand or a commercial structure, which over time begins to work for you.

A typical example: a built-in MLM network or your own recognizable website. If over time your name becomes a brand (at least at the level of a YouTube star), then additional income is guaranteed through participation in advertising projects and affiliate programs.

“Getting a plus” by trading Oriflame or AVON products is not for everyone. But bring out own website in 6-12 months for an income of $100-200 is quite real! The site owner can earn on affiliate programs, on placing paid advertising articles, on contextual and teaser advertising, on selling links and much more.

Where to get money to create sources of passive income?

Unfortunately, everything in this life “from scratch” and “without investments” happens only in advertising. In principle, everything is logical: in order to “persuade” money to work for yourself, first you need to find this money somewhere and invest it successfully.

Even in the fairy tale about Pinocchio, Alice and Basilio did not promise that money would grow out of nothing on the field of Fools. Pinocchio had to plant five gold trees in the ground and constantly water them.

All sources of passive income require an initial investment. In MLM, you need to buy a minimum batch of goods. In website building - pay for a domain, hosting and specialist services (design, copywriting, promotion). To create a high-quality educational product, invest in brand promotion.

So, where can you get money now to secure your future in the long run?

There are only two options (and no one has yet come up with a third): increase income and reduce costs. Better yet, do both at the same time!

We increase income

It's not just about finding a second job or part-time job (although that's a good option too). “Extra” money to create passive sources of income can be found in the most unexpected places.

For example, do a general cleaning at home and put up for sale (say, on Avito) all the things you personally do not need. Here is a sample list: branded clothing in good condition, baby products (toys, strollers, cribs), digital and household appliances, collectibles (stamps, coins, old books, records).

You will be surprised how much "money" is just gathering dust in your apartment or country house. Do not spend the proceeds from the sale, but immediately place them in assets!

Well, of course, no one canceled the 10% rule. One tenth of all cash receipts should be used to create passive income. As Bodo Schaefer writes in his book The Path to Financial Independence: “You will not notice a loss of 10% per month. You will live either as well as before, or just as badly.

Yes, and one more important point! In the process of creating a new source of income, it is much more important not the size of the "replenishment", but their regularity! And until you reach the level of income you set (1,000 rubles, 10,000 or 100,000 per month), you cannot spend your savings for personal purposes!

We cut costs

People came up with ways to save money on a wagon and a small cart: sales, discount sites, wholesale purchases of products, energy-saving light bulbs ... There are so many options that I decided to write about saving.

And now I just want to, so to speak, set the start.

First, close all debts and loans (especially interest-bearing ones) as soon as possible. Debt is like a boat in the middle of a lake that suddenly starts leaking. You spend all your energy on bailing out water and not drowning (in our situation, making monthly payments with interest). And you and I need to move forward, towards, and not spin in one place! Loans and debts are shackling hand and foot, and sooooo much slow down in development.

Second, buy yourself a diary for the past year (or a regular notebook). And every day record income and expenses down to subway tickets and a cup of coffee. For convenience, divide expenses into categories: "Food", "Entertainment", "Nonsense", "Auto", "Communication" and so on. I promise that at the end of the "reporting" month you will be very surprised by the results.

The program not only allows you to record your expenses, but also provides a ton of useful analytical information on your operations: income, monthly charts, various spending scales. Well, the paid version will allow you to keep one budget for the whole family!

For example, you and your spouse keep track of the coinkeeper together, each from their own mobile device. As a result, all data is synchronized and you can always find out how much money from the family budget was spent “on cosmetics” or “in a bar with friends”.

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