Passive business without investment. So, more about the types and methods of creating passive income

What methods of passive income are there? Many people have heard about the concept of passive income. Many people imagine this as something magical, when you don’t have to do anything, and the money will fly into your pocket. Others do not believe in the existence of passive income at all. In their understanding there is no place for the idea that you can earn money without doing anything. Today we will look in detail at whether there are methods of passive income, and if so, how you can get it.

How to create passive income that's right for you!

First you need to understand the concept itself passive income. At its core, it is a long-term receipt of dividends from previously done work or investments. At its core, it turns out that passive income is not so passive after all. To make a good profit, you will need to do a lot of quality work, spending a lot of time and effort. The second option is to make large monetary investments, in which case the money will work for you.

The amount of profit will depend entirely on the amount of money invested. But if you approach this process wisely and create several sources of passive income, and gradually increase the most profitable and successful ways of them, then one day you will be able to completely abandon active income. If you want to switch immediately entirely to passive income, then you need to operate with very large amounts.

Ways of passive income. Top 15 ideas for making quick money!

Today we will look at a fairly large number of ways to generate passive income that will suit all categories of people. Everyone will be able to choose several methods that are most interesting and suitable specifically for them.

GET STEP-BY-STEP INSTRUCTIONS FOR EARNING EARNINGS BY EMAIL!

Subscribe

REIT investments. I work for you for money!

REITfunds are a type of mutual investment fund. The main direction of such organizations is working with foreign real estate. The operating principle is quite simple:

• - The management company creates a common fund and attracts investors to it.
• - In the future, commercially attractive real estate is acquired.
• - Income from the sale of real estate and its rental is divided among all participants of the investment fund.

The simplicity and transparency of the work of such REIT funds ensures their efficient operation.

Traditionally, real estate is considered one of the most reliable assets, which not only does not lose value, but over time the price only increases. All this ensures the attractiveness and reliability of such investment methods.

If we talk about passive income, then a lot depends on the specific fund and its conditions. If we take the largest Russian fund REITINVEST as an example, we will see the following conditions:

• - Deposits are made in British pounds.
• - Payments are 5-7%, depending on the deposit amount.
• - Payments are also made in British pounds.
• - Shareholders of the fund, whose investments amount to more than 10,000 pounds, are given the opportunity to use the resort facilities of the fund.
• - All fund participants are exempt from paying real estate taxes.

The offer is quite interesting for anyone who wants to receive a high, stable income in a reliable foreign currency. For more details, you can follow the link https://reitinvest.top/.

Minimum costs! Creating your own blog

The previous method requires financial investment from you. But what to do if you simply physically have no way to take some of the funds away from the budget? You can try to create your own blog and lead him.

At first, costs will be minimal and non-existent. You can take advantage of free offers, of which there are quite a large number on the Internet. All this is not the main thing, the main thing is what will be on your blog.

You must be able to write beautifully and interestingly. It is necessary to choose not only a relevant topic, but also present it in such a way that it will keenly interest the reader, so that it will be interesting to him. The clearest indicator of this will be the comments and discussions under your blog.

If you manage to interest readers and gain a permanent audience. Then you can start monetizing your blog, there are a lot of ways. This can be either direct advertising integrations or hanging advertising banners.

If we talk about any specific amounts, it is quite difficult to estimate the income of the most popular bloggers. But you can go in and see how much they ask for advertising or mentioning themselves in an article. The amounts there will be very large.

This method of receiving passive income is suitable for those who have something to talk about, who want to write and who have the time to do so. In any case, the method is very interesting and attractive and does not require any money at the start.

Bank deposits. Income deposits

If we talk about passive income, we cannot fail to mention the most popular and most accessible method - bank deposits. Almost everyone has their own bank deposit: salary cards, credit cards, savings for a rainy day. Only now have Russian banks begun to introduce such a concept as account balance. Typically, it hovers around 2-3% for regular debit accounts. This is an extremely small amount, let's look at whether it is possible to get higher interest rates from banks.

You can get them, and they are available on special profitable deposits. Yes, such deposits have their own number of restrictions, for example, it may not be possible to simply withdraw your money at any time; this must always be remembered. Let's see what kind of passive income you can get from such bank deposits:

• - If we talk about deposits in Russian rubles, then the average interest rate ranges from 7.5 to 9.5%.
• - Deposits in more stable currencies have a lower interest rate. It ranges from 1 to 4.5% depending on the currency and bank conditions.

In general, bank deposits are a fairly reliable way to obtain stable profits. But if you compare it with REIT funds, then to get a profit at the level of mutual funds, you need to invest much more money.

Popular online method! Creating your own video blog

Just above we looked at the possibilities of a text blog, but on the modern Internet, video blogs are no less popular. Unlike their text variants, they require a much more serious approach:

• - You need a good camera to shoot material for your blog. A few years ago, a good camera from a phone was enough, but in modern realities it is no longer suitable.
• - You have to choose interesting material, which is sometimes more difficult than with text blogs.
• - In addition to the fact that you must be able to write scripts well for your videos, you must also be able to speak well and beautifully.

You can choose any topic for your video blog: games, travel, health and beauty, music, movies. There are a lot of options.

If we talk about possible earnings, then you can operate with more real figures provided by the YouTube service. According to these data, the largest earnings of a video blogger amounted to more than 50 million dollars; if we talk about the Russian-speaking segment of the Runet, the maximum earnings are about 10 million dollars. All these figures do not take into account direct advertising integration, which is quite often present in videos.

Highly liquid shares. Investment

Speaking about passive income, one cannot fail to mention securities, and more specifically, company shares. Many films have been made, a huge number of books have been written. And in fact, everyone can make money on highly liquid stocks.

The principle of earning money is quite simple. Such companies have a high capitalization, and at the same time show constant stable growth, thereby ensuring an increase in the price of their shares.

It is quite difficult to give any numbers, since this market is influenced by a large number of different factors. It is simply impossible to predict them all. At some point in time, the shares of such companies may show rapid growth, in which case the income may be 15-20%, but after a while a sharp decline may begin and you will lose 5-10%.

In order to protect your passive income from such fluctuations, it is worth working with shares of several companies at the same time, this will protect your money. Professional investors call this risk diversification. In this case, you can count on a stable passive income of 5-10%.

Catch a good shot! Earning money from photos

This may seem surprising to many, but you can actually make money from your photographs, receiving passive income. It is worth understanding that your family photos may be very good, but no one will pay for them. We are primarily talking about professional photographs.

There are several services that provide the opportunity to post professional photos. In the future, they can be used in various print and online publications. And for this you will receive the deductions due to you.

In order to earn money in this way, you need to have high-quality photographic equipment and the talent of a photographer. In this case, you can fully realize yourself - do what you love and earn passive income from it. There are many known photographs that brought their owners millions; all you need to do is catch a good shot.

Renting out real estate. From passive income to reliable investments

As mentioned above, real estate is one of the most reliable investment assets. You can earn passive income from real estate on your own. There are several options here:

• - Rent out the property that you own. Most often these are apartments that were inherited.
• - If you have a large amount of available funds and can invest them in the construction of new real estate or purchase on the secondary market. In the future, it is also rented out, and you receive passive income.
• - Work on sublease. The principle here is quite simple: you can rent large areas and rent them out in parts on more favorable terms. For example, rent a floor in a shopping center and rent out retail pavilions separately. In the case of residential real estate, this has a slightly different connotation. The apartment is rented for a long term, but is rented daily.

The first method can be called ideal, since you will not be required to make any financial investments. In the second, you will have to spend quite a significant amount, but this can be considered a long-term investment, since gradually the apartment will pay for itself and you will gradually begin to receive only net income.

If you consider the option of subleasing, then you won’t be able to call this a full-fledged method of passive income, since you will be required to constantly work: searching for clients. This can already be considered active business. But if everything goes well, this whole process can be minimized.

Income at the limit of risk! Earnings from betting

Sports betting, as such, cannot be called a full-fledged passive income; it is more of a gambling entertainment that helps you experience the thrill and at the same time earn money. But people who approach this issue with a cool head can earn good money.

There is such a thing as bookmaker arbs. These are bets on a match in which, regardless of the outcome, the player remains in the black. Let's look at how this works in practice using a simple example. Bookmaker 1 gives odds of 2.1 for team A to win. Bookmaker 2 gives odds for team B to win of 2.05. Regardless of the outcome of the match, team A or B will win, the bettor will have a plus of 5 or 10% depending on the outcome. The process is described rather roughly, but it captures the essence.

In order to consistently make money on bookmaker sure bets, you need to be well versed in many aspects:

• - the rules of the sport you are going to bet on;
• - rules for accepting bets at each bookmaker;
• - rules for calculating results.

Ignorance of one of these points can lead to you losing all your savings. In addition, you need to have a large enough amount to be able to safely work with bookmaker sure bets. But for a knowledgeable person, this can be a good source of passive income.

Credit funds. Loans to organizations and individuals

Another type of mutual investment companies are credit organizations. The principle of operation is similar to REIT funds, only investments will not go into real estate, but into issuing loans to various organizations and individuals.

If we talk about the profitability of this method, much depends on who the organization works with and in which country, but in general, approximately the following conditions are offered:

• - For ruble funds the yield is 10-12%.
• - For funds in foreign currency it is significantly lower, from 3 to 7%, depending on the currency in which loans are issued.

The only thing you need to remember when working with credit companies is The liquidity of such companies is below average. If you decide to leave the fund, it may take some time to receive your assets. Since, unlike real estate, loans are not always so easy to sell to other lending institutions. But in general, credit funds provide their shareholders with stable passive income.

Creative flight of thoughts! Write a book

Is it possible to earn passive income with the help of your creativity? Definitely, yes. You don’t have to go far, just remember the author of the book “50 Shades of Gray”. I would like to remind you that this was originally a fan craft based on Twilight. But over time, it grew into an independent work and received a multimillion-dollar audience. And the author receives multimillion-dollar fees.

But how can an aspiring writer make money from this? Everything is quite simple, there are a large number of platforms on the Internet that will publish your works. You can earn income from reader donations, or set a small fee for downloading the electronic version. You can also place your works in stores like Google Play.

The next stage is working with publishing houses. If you successfully publish on Internet resources, you may be offered to publish it in print, as was the case with the book “Metro 2033,” but in most cases this will be an independent search for a publisher.

In any case, this method of passive income is only suitable for creative people who really love to write. For others, this may simply result in a waste of their time and energy.

Bonds. Long-term passive income method

Another type of securities are bonds. These are debt securities, but the main difference from stocks for us is the fixed, ongoing payments. At its core, bonds are a hybrid of securities and bank deposits.

That is, you will have securities in your hands that have their own value, and you will receive fixed interest on them. In fact, the pricing mechanism is quite complex to calculate. But before you buy bonds, you need to carefully study them, as they come in several types:

• - Bonds that can be safely traded on the market. This is the most convenient option, since in addition to receiving interest, there is a chance to profitably sell such loans.
• - Bonds that cannot be traded, but the borrower can redeem them at any time.
• - Bonds that can be redeemed only at the end of their validity period.

Therefore, if you buy the last type of bonds for a period of 30 years, you will only be able to receive your assets at the end of the term.

Let's look at the issue of payments when they occur. If bonds are issued for a period of up to one year, then interest is paid in a lump sum along with receipt of the principal amount. If bonds are issued for a period of more than a year, then interest payments occur twice a year.

Become a teacher in what you love! Create your own online courses

Every person is an expert in some field. And why not try to earn income from it. There are several services on the Internet that allow you to monetize training courses. These could be courses in cooking, programming, stock trading, embroidery - any topic can be in demand. But there are several factors to consider:

• - Your courses should be interesting and in demand.
• - The information should be interesting, useful and easily understood by your listeners.
• - Everything must be designed accordingly: video and image quality, competent texts, the presence of all kinds of checklists.

One well-designed training course can bring you passive income for a long time.

Currency speculation. Forex trading

Buy low, sell high is a basic principle that applies to any type of trading. But it acquired its ultimate form on the Forex currency market. Many have heard and know perfectly well how such a system works. But for those who don't know, let's give a more detailed explanation. Unlike banks, where the exchange rate is fixed for the day, in the Forex market all rate changes occur in real time. During the day, one currency can go several points higher, and then fall by the same amount. It is this difference that generates the earnings of speculators.

You can trade for the long term, or you can constantly speculate throughout the day. But the Forex market lives by its own specific laws; in order to learn how to consistently trade with profit, you need to study it for a long time. In order to make your income truly passive, you can use the services of professional traders. They will handle your account, trading currencies for you, while receiving a pre-agreed reward.

Speculation in securities. Income from price difference

We have already considered securities as a way to generate passive income. But speculation implies a radically different approach to this issue. In this case, we are not interested in the growth in the value of securities in the long term. Speculation involves making a profit on the difference in rates. Anyone who decides to make money on speculation faces a choice:

• - engage in speculation yourself;
• - entrust this to a professional broker;
• - invest in mutual funds that specialize in working with securities.

We will not consider the first option, within the framework of the topic of passive income, since independent trading involves a large amount of time expenditure. This cannot be called full-fledged passive income.

A professional broker undertakes to trade for you on the stock exchange. You won’t get a fixed profit, but if you are interested in higher income, then perhaps this method will interest you. It is worth noting that experienced brokers start working with a minimum deposit of $10,000.

The third method is suitable for those who like to receive a stable income. There are many professional brokers working in a mutual fund. The failures of some are compensated by the successful transactions of others, which provides stable passive income.

Invest in young business! Venture investments

This is an investment in a young business. In essence, you not only create a foundation for the future, providing yourself with full-fledged passive income, but also become a real investor.

In modern realities, the vast majority of venture investments are startups. A group of young, entrepreneurial people have an idea that will make a profit, but they do not have the funds to finance its implementation. They begin to look for investors through various platforms and find them quite often.

If you want to try yourself as an investor in a real business, then you have two options:

• - independent work with startups;
• - work through venture investment funds.

The first option implies the possibility of making a big profit if the project takes off. However, investing on your own involves much higher risk.

If you really want to create passive income, then you should work with venture capital companies. They will not be able to provide you with such a high income, but at the same time you will receive your 5-10% consistently.

Conclusion

We looked at 15 different ways to earn passive income. Some of them are very reliable, such as REIT funds or bank deposits. Others have high risks but can bring big money. And still others are aimed at realizing creative potential. In any case, passive income at an early stage involves temporary or financial expenses.

Passive income is a method of making money that does not require constant effort and work from you; you get your money even when you just sit in front of the TV and drink tea with sweets.

Surely you have noticed that most rich and successful people receive a considerable profit every month almost out of thin air. In fact, money doesn’t just “drip” into anyone’s bank account. It's all the result of hard work. Let's try to understand this issue together and learn how to use passive income with a minimum of effort.

What is passive income

The vast majority of people are accustomed to living by standards. The monotonous “home-work-home” lifestyle suits many people. Some men and women, wanting to earn additional income, take a second or third job. But with such an approach it is hardly possible to become a successful person. In order to live for your own pleasure and not think about whether you will make it to your salary, you need to find a source of passive income.

Passive or residual income- This is a type of income that does not require active human action to obtain. Simply put, a certain amount of money is deposited into your bank account every month for work previously done. That is, you invested money in a business, or successfully sold your creation and now throughout your life (or several years) you receive a reward.

But in fact, organizing and receiving such income is not easy. You will have to make a lot of effort. This may take years. But it's worth it. Still, what is the point of getting money this way?

In order to receive dividends or interest, you must have an asset. And it is precisely these types of assets that we will now talk about.

There are several types of passive income.

• Intellectual. Occurs when creating a certain intellectual product. It could be a book, a song, an invention, a video. Subsequently, the author (rentier) receives a royalty and a percentage of each copy sold, a patent.
• Investment (financial). To obtain this type of passive income, you need some capital, which is invested in real estate, securities, shares, etc. Such deposits are a source of interest and dividends.
• Marketing. By creating a marketing network, a personal website or your own brand, you can receive a certain amount of money every month.
• Legal. This is a type of income that many citizens are entitled to by law. Namely, pensions, social benefits, financial assistance. So, if you are part of a group of people who rely on social services. payments, then by filling out the appropriate documents at a government agency, you can regularly receive money without making any effort. We won’t talk about this species, because it’s already clear to everyone.

A person who lives on money received from passive income is called a rentier. He most often owns real estate that he rents out, financial assets, or intellectual property.

What are the differences between passive and active income

Modern man is accustomed to surviving thanks to active income. But this is due to the fact that not everyone knows and understands the difference between active and passive income. In order to start a new life, or leave everything as it is, let's find out how passive income differs from active income.

1. Active income is received by an employee, a specialist, an employee for some work done. This could be salary, advance, bonus, etc. But if a person stops working, then he is not paid any money. Passive income does not depend on whether you worked this month or not, and you receive payments in any case.
2. In order to receive dividends and interest, you must have initial capital and assets. To receive active income, you do not need to have any valuables.
3. Active income limits a person's actions. For this type of income, you can work one or two jobs. While passive income does not limit the actions of the owner. Those. Financial capital can be divided into several parts and invested in different projects.
4. The risk of being left without a livelihood is higher when receiving active income. So, when you quit your job, you will stop receiving any payments, i.e. losses will be 100%. Having passive income and investing assets in several projects at once, you will never be left without money. If one project fails, you receive income from the others.
5. Active income is preferred by people who do not understand financial issues. Therefore, they most often never achieve financial stability. Holders of passive income live for their own pleasure and do not need anything thanks to financial independence and prosperity.

Sources of Passive Income

So, we have already found out what passive income is, what types it is divided into and how it differs from active income. It's time to find out how and thanks to what you can create a source of passive income.

Let's look together at the most popular and accessible ways to get “easy” money.

Renting out real estate

One of the most popular and widespread ways to generate passive income. To obtain rental income, you must at least have real estate, or a considerable amount of capital, for which you can buy residential or non-residential space.

After acquiring square meters, you will need to work hard to make repairs and purchase the necessary furniture. Real estate can be either residential or commercial. In the first, people live and relax (at home, apartments), and in the second, they work (offices, industrial premises).

Having this type of income, you receive a certain amount every month, but periodically you will have to make repairs and monitor the condition of the premises. This can be avoided if you use the services of specialized companies. They will take on most of your responsibilities, and in return they will require about 10% of the premises' rent.

Renting out special machinery and equipment

Renting special equipment, just like renting real estate, is a profitable business. Very often, this type of income brings more profit than renting out real estate. This is because special equipment can quickly pay for itself. So, for example, if you have any expensive construction tool, then regularly renting it out will cover the cost in a few months.

You can rent out any movable property whose value is higher than the average salary in your city. This can be a wide variety of equipment (trade, production, industrial), machinery, inventory.

For example, one acquaintance of his plant periodically rents a car with a tower (boom) to repair power supply systems, lifting electricians to the required height to the cables. They give away more than 5,000 rubles per day. Calculate the profits yourself.

Owning such equipment, you can live comfortably for more than one year.

Renting advertising space

Everyone knows that advertising is the engine of trade. It is thanks to bright advertising campaigns that trading companies have become successful. Our people are designed in such a way that they buy and use exactly those products and services that everyone knows about. Numerous advertising companies take advantage of this. They try to place advertisements in all sorts of places. These could be cars, public transport, billboards and even residential buildings. So why not make money from it?

Renting advertising space is an excellent passive income option for lazy people. This is because it requires minimal effort from you. This is to find an organization and offer your services for advertising on your car, the facade of a house, a balcony, etc. After which an agreement is concluded, you place the specified type of advertising (posters, stickers, etc.) and receive the agreed amount. The only downside may be the limited duration of your agreement. But you can always find an advertising company that wants to cooperate with you.

Bank deposits

One of the least labor-intensive ways to generate passive income is bank deposits or deposits. They require minimal effort. You just have to find a reliable bank with the highest interest rate. The rest is done by employees of the financial institution. The only condition is the availability of a certain capital that should be invested. The larger the amount, the higher the interest amount.

If you have several million at your disposal, then having made a profitable investment, you don’t have to work at all. But if the amount is not large, then the income will be minimal. Very often, people with little income save a certain amount every month for several years. As a result, their children have a good passive income.

But this type of income has a significant disadvantage. This is inflation. It is because of this that investors lose up to 10% of their income, because... Every year money depreciates. You need to remember this before concluding a long-term contract.

Intellectual or creative product

This type of income will appeal to talented and gifted people. They are the ones who can create some kind of intellectual or creative product. It could be a book, a song, a poem, or some kind of invention.

After writing the book, you will need to contact the publishing house, where they will accept the manuscript (if it is really worthwhile). After the publication of your masterpiece, a royalty will be paid and a certain percentage of each copy of the book sold will be deducted monthly. This all sounds very beautiful and simple, but in fact this type of income has very tough competition. Therefore, only brilliant authors who are loved by millions of readers receive maximum cash payments.

If you create any technology, you will have to patent it. If the invention is useful and its mass production begins, then your children can also receive passive income.

Own business

If you feel great potential as a leader, then you can try. In order for it to generate passive income, you need to work actively for several years.

First you need to understand what exactly you want to do. This should be an area of ​​activity that you know well. Let's give a simple example: if a man is well versed in cars and loves transport, then opening his own service station would be a great idea.

When the idea is “ripe”, get it. Then start your business.

When you realize that your business has become successful and brings in a stable income, you can think about delegating it (transferring certain powers to another person) and receiving passive income.

In order to retire and “skim the cream” in the form of cash, you need to remember that the company you have built must work like a well-oiled machine, and the person to whom you entrust the management of the company will not let you down and will justify the trust placed in you.

Based on the experience of many companies, we would not recommend completely withdrawing from business. This leads to bankruptcy in 90% of cases.

Selling franchises and receiving royalties

Owners of large well-known companies can count on such a source of passive income. It does not require any capital, but to obtain it you will have to work fruitfully for more than one year. Let's take a closer look at franchises and royalties.

Simply put, a franchise is the rental of a brand, trademark, method of company management, slogan, etc. some little-known organization. Thanks to this, they produce and sell their products under the logo of a well-known brand. As a result, the turnover and income of the start-up company quickly increases.

Once the franchise is sold, royalties (an agreed upon amount of money) are paid regularly. It can also be a certain percentage of the income of the company that bought the franchise.

At first glance, everything seems easy and simple, but in order to receive passive income, you need to build a large business or a brand that will be well-known.

Investing in a third party business

People with substantial capital and assets can count on passive income by investing in third-party businesses. Moreover, the larger the amount you invest, the higher the interest you will receive.

In order to invest money in a third-party business, you need to thoroughly study the business plan, calculate all possible risks, and regularly monitor the company’s activities. This is the only way you will protect your investments and not be deceived.

Investing in any business is a very risky undertaking. In order not to lose all your money in the event of bankruptcy, do not rush to invest all your savings in one project. It is better to invest in several organizations at the same time. Thanks to this, if one project fails, others will bring passive income.

Creating a mobile application

In the modern age of advanced technology, most people have a mobile device that supports various applications. Mobile apps make life easier for millions. Everyone downloads an unlimited number of them and recommends them to others. Therefore, anyone can create their own application that will generate decent passive income.

• First, you need to have an interesting idea. She is the one who can help you get rich. Due to the great competition, it is sometimes difficult to surprise users, but if you succeed, you are guaranteed success.
• Secondly, create an application. To do this, you need to contact specialists who will be happy to help you for a certain fee.
• Thirdly, place the finished product on the platforms. To begin with, do not overprice the application. Bet the minimum amount. And when thousands of people love it, gradually raise the price. Or make it free, but with paid add-ons or advertising.

Creating a mobile application is a fairly simple source of passive income. In most cases, it does not require large investments, and the income received can pleasantly surprise you for several years.

Creating a channel on YouTube

Probably every PC user has watched videos on YouTube at least once. This is really a very convenient site where you can find any information you are interested in (master classes, training videos, funny videos, etc.). Millions use this service every day. So why not make money from it?

To earn passive income using YouTube, you just need to create your own channel and post interesting, and most importantly, useful videos. It can be varied, from videos of funny animal behavior to a master class on repairing a washing machine. It all depends on what you can do.

Very often, a start-up business lacks recommendations that will ensure regular sales. If you have a wide circle of acquaintances and close cooperation with a large number of companies, then passive income from recommendations is created just for you.

So, while communicating, you will find out that someone needs the services of an electrician or designer. You can recommend this or that company and receive a monetary reward or a certain percentage for this. The main thing is that this organization includes payments for recommendations.

Maybe the amounts won’t be exorbitant, but it’s better than nothing. The lack of start-up capital is the main advantage of this method of generating passive income.

Passive income on the Internet - your website or blog

I started working on blogging (article) sites a long time ago, but I didn’t turn them into passive income. I developed them for sale or temporary income from advertising and, as a rule, they did not stay with me for more than 1 year. But now that I already have several types of main activities, why not slowly start acquiring assets with passive income. So I created a website several years ago, which now brings in more than 100,000 rubles. only on contextual advertising without my participation. And what’s more, I didn’t stop there and created several more sites that are now generating income.

What is good about passive income from websites?

The fact that they will read articles constantly and search for information constantly. Having written an interesting article once, it will bring you a lot of traffic from search engines and will bring you readers constantly. And that means income. Blog development is about creating interesting content (articles, for example) and attracting readers. When there are readers, you place contextual advertising and earn money from clicks on it. It's very profitable. Having boosted your blog a little, you will already be making a profit and with each increase in readers your profit will grow. And then you can do nothing and only publish articles occasionally, and the money will still trickle in and that’s a plus. Or you can assign an editor to work on your site or several, as we do.

If you are planning to develop this area, then read the section about. There you will find useful information, and if it is not enough, then ask questions, we will add more.

Investments in the purchase of information sites

If you do not want to create a source of passive income in the form of a website, as I described above, then you can buy websites with income. But to do this, you must at least understand the topic and go through the process of creating your own websites.

Affiliate programs as passive income

I already wrote an article about that. And this source of income can be made passive. If you do a good job in this direction and through your affiliate links many people are registered in those services or stores on whose affiliate program you earned money, then all further actions of these people will also be paid to you.

I still get money from many of the services I referred people to several years ago. This income is small, but roughly comparable to renting out an apartment in Omsk.

We hope that everyone who reads this article has already understood the importance of passive income and the main differences from active income. Now let's try to figure out together how to achieve this coveted financial independence.

1. Start with yourself and educate yourself. In order to make assets, capital, and business work productively, you first need to study the theoretical part. Start reading books by famous financial experts (e.g. Robert Kiyosaki, Bodo Schaeffer, Robert Allen, etc.). Thanks to this, you will better understand all the nuances and details of financial activities.
2. In your free time from your main job, start looking for a source of passive income. Maybe you will invent something new, patent your creation and receive monetary rewards for the rest of your life, or maybe you have another hidden talent that will help you achieve financial freedom. To make your work enjoyable, try to turn your hobby into a source of income. For example, an amateur photographer can sell his work on specialized platforms on the Internet, and a programmer will create an Internet application that will be downloaded by millions of people.
3. If you do find a way of passive income that suits you, don’t stop there. Try to develop and discover new methods of earning money. For example, having invested money profitably in the bank, you can also upload videos on YouTube, review your existing construction equipment and rent it out.

Why do the poor stay poor and the rich stay rich?

The subconscious of most people of our time contains information that in order to feed their family and provide for themselves, they need to learn some kind of profession, and then work all their lives in a factory, mine, office, etc. At the same time, take a full rest only once a year on vacation. That is why the average person in our country follows the plan.

At the same time, more successful and financially literate people have long realized that a decent income can be brought not by active, but by passive income. Naturally, they understand that in order to regularly receive money with a minimum of effort, they need to work actively for a certain time. This period may be several years, but such a person is aware that he is working to create passive income that will ensure a comfortable old age.

Poor people work only to satisfy their needs. At the same time, they don’t even think about creating some kind of capital that can bring in money. In the best case, a person gets another or additional job.

The difference between the poor and the rich is how they spend their free time. A wealthy person gets richer every minute due to passive income that profitable investments bring. Low-income people drink beer, watch TV and complain about life to the people around them.

One famous businessman and financial analyst said that a person's success is not measured by the size of his bank account, but by the amount of time he can be away from work. This is true. After all, you can deny yourself everything all your life, limit your desires and needs while collecting savings in a three-liter jar. But such a person can hardly be called happy, successful and enterprising.

How to gain financial freedom and independence

In order to live for your pleasure, you need to make money work for you. This is possible if you work hard for a while. During the active period, we do not encourage you to work 24 hours a day. It is enough in your free time to look for methods of alternative income, which in the future will bring passive income. The more such sources there are, the less work you will have to do.

It may be quite difficult at first, but remember that thousands of people like you do not live on starvation wages, subsisting on bread and water. They do not know the feeling of hunger and need. And all because they understood in time exactly how to make money.

Conclusion

Now you know everything about passive income! You may also find this article useful. Don’t be afraid to experiment, because everyone has one life. And it depends only on you and me how we will live it. It's never too late to start changing your life. This can be done by both a teenager and a pensioner. The main thing is to believe in yourself and not give up, and then you will definitely succeed!

The choice is yours! And I'm waiting for comments under the article.

Hello, dear readers and subscribers of my blog about finance. Today we will talk about what types of passive income actually work in Russia, consider the original ones, and deal with the question: in the conditions of the rapidly changing Russian market. Based on experience, I will say that there are a great many options for additional income. Read about what passive income is in a separate thematic article. My goal is to help you make a choice in favor of the right one just for you way to earn passive income. I won't beat around the bush and get straight to the point.

Ways to earn passive income

First and the simplest option for solving the issue of passive income is receiving government payments. If you consider yourself to be one of the socially disoriented citizens and do not have enough means of subsistence, contact a specialized regional service and write a corresponding statement. The state provides financial assistance to disabled people, large families, and pensioners under the heading of one-time or permanent compensation payments. Why not? Many people have no idea about the possibility of receiving compensation payments. Meanwhile, a person has the right to count on receiving preferential conditions when buying an apartment, pension or disability payments.

Second a way of earning money that brings in good extra money in addition to the salary of an ordinary clerk - bank deposit. Storing funds in a depository account is the safest way to increase existing savings, which does not require any knowledge, experience, or skills from the owner. In one of the previous articles, I already talked about the myriad of banks that now operate on the territory of the Russian Federation and each puts forward interesting offers to the consumer.

Advantages of a depository deposit:

• simple and clear procedure for opening an account;
• attractive conditions in the form of interest with capitalization;
• receiving a guaranteed amount of money upon expiration.

The question arises: how much can you really earn on a deposit? As strange and surprising as it may seem, it is practically not at all. The deposit is attractive because saves rather than multiplies funds deposited in a bank account. Economists understand perfectly what I mean. Inflation- this is the other side of the deposit, which is a good, but far from the best type of passive income. A deposit, as a passive income for a retired person, is a soft cushion and a source of money for unexpected expenses, but not for a businessman who wants to climb to the top step of the life pyramid and stop depending on money.

Rent

Continuing to describe the types and sources of income, I’ll move on to the favorite option of my realtor friends – passive income from real estate rental. By renting out even the simplest one-room apartment, my former classmates received a fairly decent increase in their salaries. Not everyone knows that you can rent out not only housing, but also everything that has material value: a car, construction, industrial equipment, retail space and even things. In practice, investing in residential and commercial real estate in Russia brings less income than purchasing and renting industrial equipment.

In our country, there are types of activities in which entrepreneurs buy construction equipment and make money on it through rental. You will be surprised, but renting a professional construction hammer drill, which costs 30,000 rubles, costs tenants 1000 rubles per day.
A simple mathematical calculation will help you understand how much money you can get from equipment simply by renting it out. The advantage of this area of ​​activity is quick payback, as a rule, not exceeding thirty calendar days. It is not difficult to make money by renting out real estate, but this type of business requires a high level of commitment in time and moral terms from the applicant.

Currency market

PAMM accounts- this is trading on the foreign exchange market performed by a trader; the investor invests his money in his trading account and receives a percentage of the profit on average in a 50/50 ratio: 50% profit for the investor, 50% trader. If a drawdown occurs, the loss will be distributed in the same ratio.

Advantages of PAMMs– average yield 40%/year, 4 times more than a bank deposit. Minuses: with such profitability there may be losses of an average of 15%/year. WITH mutual funds, of which, the situation is approximately the same, only the ratios are 2 times smaller: 25% - income and 10% - the possibility of loss. No one will give you exact guaranteed figures on income and loss indicators. You need to understand the topic in order to choose worthy accounts or funds and not burn out in this matter.

As an investor, it is difficult for me to classify this type of activity as passive income. By investing your money in this instrument, you receive speculative income, while at the same time exposing yourself to risk. A PAMM account provides for the transfer of money to a qualified specialist for management, which gives a good profit, but with a fairly high level of risk.

Along with PAMM accounts, there are other forms of passive income related to the trust management of money: less risky, averagely profitable, more reliable. If you are not attracted to this type of income or you are just planning to start as a novice businessman, check out the rating of brokers and companies specializing in trust management, putting forward proposals up to 20% per year. In my opinion, this is the best option for beginners who are interested in stable, safe income.

Another option for fast but risky passive income is personal trading of assets on the currency or stock exchange. Find out in detail about the speculative activities of a trader in the Forex market. As an experienced investor, I note that this type of income has pros and cons, which I outlined in one of my previous articles. I do not work on the foreign exchange market, preferring the stock market as a high-yield investment activity.

Network Marketing and MLM

This type of business has a minimum list of requirements for those who start it. To enter the market where MLM companies operate in Russia, it is enough to have one hundred dollars and a lot of free time. An important requirement for those who plan to start distributing products based on the network marketing principle is presence of organizational skills. If you have experience communicating with people, know how to negotiate, your sales skills and convincing people of what you need are at a good level, and in addition to this you have a lot of free time, a network business is what you need.

My acquaintances, who have a rare talent for finding a common language with people they are unfamiliar with, have received a salary increase of five hundred dollars. The main thing in searching and choosing the vector of network entrepreneurship is not to fall for the bait of scammers who are the creators of a financial pyramid, carefully disguised as an enterprise engaged in network sales. I will definitely talk about this in one of the following articles. Next, I offer a brief excursion into the topic. investing in business, covering a fairly wide range of areas of passive entrepreneurial activity with a good level of earnings.

Business courses and specialized knowledge

A good type of passive income - creating a business course on a topic in which you understand better than your friends, colleagues and acquaintances. Particularly attractive are courses on business topics in which you are not just an expert, but also have impressive practical experience with evidence of results. How to understand where you are an expert and where you are not? Very simple. Analyze, find out and compile the main sources of income for your family. How much money do you use to buy food, household appliances, and basic necessities for your family? You yourself will not notice how the finished business will appear before your eyes on a silver platter.

Are you knowledgeable about architectural design or art? Amazing! Create your own course for those who don’t want to pore over thick college textbooks. Write step-by-step instructions, shoot, edit a video with a training course. Do you know about the secrets of the profession? Share them on your Yotube channel. Sell ​​yourself, your experience, the information that you possess perfectly. Fortunately, you have all the means for this. The only difficulty in solving this issue is the distribution of training materials, but it is not for me to teach you here.

Internet business

A great option for passive income - creating your own website or blog. This may seem surprising to you, but there are millions of dollars circulating on the global web. You just need a little money to start, perseverance and a responsible attitude to work. I will briefly remind you about the options for making money on a blog.

The most promising types of income on the Internet

• accommodation on your own website contextual advertising, banners;
• participation in various affiliate programs, searching and attracting clients;
• management of advertising projects with receiving income from an increase in the number of unique people;
• sale of own media products, video courses, audio books, teaching aids.

Establishing, promoting and running your own business projects is always profitable, because you work for yourself. Opening a company, agency or large enterprise today is not difficult. The legislation is structured in such a way that Almost anyone can become an entrepreneur. There are a great many options for earning money, as I already said. For example, you can take the purchase/sale of individual units of goods, the provision of services in a certain area, the distribution of products on the principle of network marketing. On your own website, you can advertise the product you are promoting, thereby killing two birds with one stone.

Passive income without investments: myth or reality

To everyone I talked to about making a side income, the idea of ​​starting a business without a down payment seemed crazy. Meanwhile, having small financial sources of your own for investment, you can start a business from scratch. In order not to confuse you with unnecessary phrases and simply dispel the myth, I will give the example of an outstanding American entrepreneur John Stith, who created the most popular and best-selling drink in the world " Coca Cola».
Few people know, but the guy started with ten cents in my pocket, for which he bought a recipe for an unknown drink consisting of twelve herbs. Today, a product called “Cola” does not need advertising or introduction. You can start earning money without investment. The main thing is to have desire, a little enterprise and a little money.

Where can I get money to develop a source of passive income?

This question worries every novice businessman and investor today, especially among those who do not believe in fairy tales about business from scratch. If you agree with these people and think that starting a business from scratch is a fairy tale, listen to the following recommendations.

There are two options for resolving this issue:

• increase income;
• reduce costs.

How to increase income?

The conversation is not about finding a second job or part-time job, which is also not bad, but about creating passive income using tools that seem completely unsuitable for this. Do some general cleaning put up for sale everything you don't need, for example, a coffee table that has long been dusty or an old fan that the air conditioner has pushed onto the balcony. Believe me, you will be surprised when you find out how much money is scattered around your apartment and is simply gathering dust, taking up extra space.

How to cut costs?

“Economy must be economical,” said one wise man. There are so many options for saving money that if I were to list them, it would require a whole thematic article. Reducing expenses is easier than increasing income, I say this with confidence, supported by personal experience.

Participating in sales, using discount coupons, purchasing food products in bulk, replacing all light bulbs with energy-saving analogues - this is not a complete list. Do you love beer and don't want to give it up? Reduce the number of bottles you drink on your day off. It's the same with smoking. A trivial analysis of the system of income and expenses means real savings and a transition to a new level of business management.

Instead of a conclusion

Well, that's all, dear friends. In conclusion, based on experience, I would like to recommend that you completely give up, even though it is difficult, bad habits: smoking, alcohol, gambling, slot machines. Sell ​​unnecessary junk that has accumulated in your apartment. By reducing expenses and increasing income, you will climb the entrepreneurial ladder faster than you expected and before you know it, you will find yourself at the peak of financial freedom. Good luck!

Don't forget to subscribe to the blog. Wait for new articles, reviews, reviews. Leave questions if something was unclear.

If you find an error in the text, please select a piece of text and click Ctrl+Enter. Thanks for helping my blog get better!

Since the publication of the works Tim Ferriss And Roberta Kiyosaki such a concept as " passive income“has turned into some kind of mystical thing that gives the opportunity to start a rich and free life for everyone who can get it.

It's no wonder that many are tempted to get their hands on this Holy Grail. But before you take action, it’s better to take a closer look at what passive income is and how it works.

What is passive income and earnings

In simple terms, passive income is creating something ( material or intellectual value), which will allow you to receive money for an indefinite period without further human intervention.

How to create passive income?

The simplest examples of passive income are book authors. They can spend several months writing a novel and then get paid for every copy of that book sold for decades. They create value, which then works for them.

However, this was too narrow a definition.

According to a reputable publication Investopedia Passive income is "earnings a person receives from a rental property, limited partnership, or other business venture in which he is not actively involved."

True passive income is income that does not depend on the mandatory performance of any regular actions and comes in even if its owner does nothing at all.

Popular culture in Russia defines passive income in rubles as “ any money you can make lying on the beach and sipping a cold mojito», but this is a misconception.

For example, a well-known financial trainer and expert in the USA Todd Tresidder notes that today passive income can be considered any income that requires minimal effort after the initial investment of time or money, and works in accordance with with Pareto's Law - « 20% of efforts give 80% of results».

Before you think about how to create passive income, you need to understand about active income.

What is active income?

Active income is the reward a person receives for the work he does. Regardless of profession, if a person spends his time and effort in exchange for money, this is active income. Earning options may vary ( lawyer, doctor, bartender, loader, copywriter, correspondent for print or online publications) but the principle remains unchanged.

• The principle of active income: work - eat.
• The principle of passive income: work - eat today, tomorrow, the day after tomorrow...

The main point of creating passive income is to invest heavily or work at a certain point, and then, without putting in much effort, reap the fruits of your labor in the long run. Since there are so many different options for passive income, it’s worth talking about each of them separately, highlighting several of the most common and accessible to everyone.

Types and sources of passive income

Today there are a variety of ideas, examples and options for sources of passive income. However, it is immediately important to recognize the fact that this will not be so easy. Otherwise, most of the hired workers, forced to work “from bell to bell,” would have long ago left for free bread. For those who are still determined, it makes sense to pay attention to such sources of passive income as:

• bank deposits;
• valuable property and real estate;
• securities;
• participation in mutual investment funds;
• creation of intellectual property;
• creation and optimization of your own business.

Each of these areas and ideas has its own methods of passive income. And by choosing the path that is closest to oneself, everyone can familiarize themselves with them in detail.

IMPORTANT! The biggest and easiest money is earned from a person’s desire not to work, so on the Internet you can find thousands of offers from scammers, so when creating passive income, focus on its legality, adequacy, reliability and simplicity, where it will not be possible to deceive you.

Shares as a source of passive income on the Internet

For example, if you start from $3000 and report $300 monthly at 50% per annum, then in 11 years you will already have $1 000 000 !

You invest $3,600 a year for 10 years and get a million dollars out.

1 year $8,565
2nd year $17,362
3rd year $30,558
4 year $50,351
5 year $80,042
6 year $124,577
Year 7 $191,381
Year 8 $291,586
Year 9 $441,893
10 year $667,355
11 year $1,001,032

Look at the graph of this option for passive income on the Internet for clarity:

A stock portfolio is an excellent option for passive income, it is understandable and adequate, and will be an interesting way for most.

Here you can find hundreds of European and American stocks, commodity futures, energy and other assets.

One way or another, stock prices are rising all the time, and companies that more and more people are learning about are growing hundreds of times.

Over the past 3 years, only one has grown by 300% . This is the most advanced and legal passive income on the Internet.

Valuable property and real estate

This type of passive income includes:

• real estate;
• precious metals and stones;
• antiques;
• objects of art;
• collectibles (coins, stamps, books, vinyl records, etc.).

But you need to understand that to develop such a business you need to have not only start-up capital, but also the necessary knowledge. So you will have to find experts and initially involve them in the cause.

How much can you earn this way? Depending on the chosen direction and market conditions, profitability can be from 15 to 70%. It looks good, but you need to keep in mind that investing in real estate, precious metals, as well as luxury and collectibles is not passive income in the classical sense. Yes it can match Pareto's law, but nevertheless, a person is required to:

• careful study of current market analytics;
• ability to select liquid assets;
• careful monitoring of tax affairs;
• ability to find and attract clients.

There is one more point - it is advisable to invest for a long time. Real “exhaust” can only be obtained in 5–10 years. During this time, an apartment purchased in a new building may become more expensive by 30–40%, and various antique values ​​and even more. This type of passive income basically does not require anything from you - you buy and hold, and after n amount of time you sell.

For example, Andy Warhol's painting "Lemon Marilyn" was purchased by an investor in 1962 for $250. After 45 years, it was sold for $28 million.

Earnings on PAMM investing

For those who are not well versed in stock trading, investment solutions from offering such features as automatic copying of transactions of successful traders or can be an excellent option.

The bottom line is to invest money in managers on the currency exchange. Traders will not take a large percentage of the profits, but they will also make money for you. Thus it benefits everyone.

To make it easier for users to choose the most suitable option, all brokers provide a rating of the profitability of managers, where you can clearly see their successes both in the short and long term.

The return on investment in traders largely depends on the professionalism and market situation and may fluctuate from 30 to 150% per annum, and you don’t have to do anything yourself.

Creation of intellectual property

The softest for those who want to create passive income from scratch.

For people with valuable knowledge, experience or good creativity, passive income without investment can be obtained thanks to

• audio creation,
• video,
• graphics,
• text materials of artistic or scientific content.

There are a great many ideas that can be implemented in this regard:

• writing books
• scenarios
• music
• software

with subsequent receipt of both royalties for the work itself and royalties, which will be paid whenever others want to use your work.

And although not everyone can earn large sums of money here, the availability of methods makes this direction very attractive.

Bank deposits

The most popular and simplest passive income in rubles is opening a bank deposit.

That is, in principle, you can put money in a bank and live on interest alone. The main advantages of this option:

• extreme simplicity of the process;
• you don’t have to do anything at all (just come to the bank, sign an agreement and give the money to the cashier);
• relatively low risks of losses.

However, there are also negative aspects. The first is more than modest profitability. The average rate of large banks is no more than 7–8% per annum. Less renowned institutions offer 8–11% in rubles or 2-3% in dollars.

In order to earn at least $1000 per month with a bet of 2% per annum, you must already have 600 thousand dollars, which will always lie on the deposit as “dead weight”.

Creating and optimizing your own business

Any business is painstaking and hard work. But only for the time being. According to an American financier Tim Ferriss, the success of any business is determined by its impact.

1. Its first phase involves substantial cash injections and constant control by the owner. It takes about 4–5 years. In some cases up to 10 years.
2. After this, the business evolves into the second phase and comes into compliance with the already mentioned Pareto Law - it provides its owner with 80% of the result with 20% of the effort. At this stage, there are no longer any problems with how to create passive income based on it.

The business owner can shift the lion's share of worries to the management staff, while he concentrates on things that are interesting to him or another promising business.

How to earn passive income in Russia

Organizing the creation of passive income in the Russian Federation is not much more difficult than in any other country in the world. However, there are also some nuances. Russia, for example, cannot be called “ a safe haven“, therefore, investing in shares of Russian companies in the long term requires particularly careful calculations and a willingness to quickly look for new solutions. However, nothing prevents you from buying shares of foreign companies through or.

The real estate market here is also characterized by its heterogeneity. For example, if by 70% territory of the Russian Federation, real estate prices behave predictably and in accordance with global forecasts in such regions as MSK or St. Petersburg It is sometimes very difficult to predict price movements. During a period of general boom, relative calm can reign here, and vice versa, when there is crisis and stagnation everywhere, the volume of real estate transactions in Moscow, for example, can go off scale.

As a conclusion

As you can see, passive income is real, however, it is not always passive 100% , as some not very honest authors of various trainings and educational materials like to say.

However, in any version of passive income, it will not have a boss in front of you, a work schedule, and in the case of passive income on the Internet like shares or trust management - a territorial reference.

At first you will need to do a lot ( initially unpaid) work to get into profit and get a stable flow of money.

Passive income has many advantages, but, as elsewhere, there are also compromises. Initially, it is difficult to get a big return from it, so you will have to put up with the need to go to a regular job, and maybe even more than one, in order to raise money for the start. And only those who are ready to mobilize efforts and forget what laziness is can succeed here.

If you find an error, please highlight a piece of text and click Ctrl+Enter, and we will definitely fix it! Thank you very much for your help, it is very important for us and our readers!

October 14, 2015

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 begin!

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

But in fact it is easier than it seems! And today we will talk about how to organize passive income in Russian realities.

The beauty of passive money is that its availability no longer depends on the effort we make.

Let's take income from employment for comparison. Let's say a manager selling household appliances. His monthly income consists of two parts: a fixed rate plus a percentage of sales. By the way, you can earn very decent money from such work. 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 cash equivalent. I stopped straining myself (I got sick, quit my job, started drinking) - the stream of money immediately dried up.

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

By the way, freelancing and private entrepreneurship are also considered active ways to earn money. Their difference from hired workers is only that freelancers and individual entrepreneurs work for themselves: they plan their workday, look for clients, do advertising, purchase goods, pay taxes, and so on.

But the method of receiving 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.

How are passive earnings fundamentally different from active ones? A more favorable “exchange rate” of time and effort for real money! If for an employee the conditional rate is 1:1, for a small entrepreneur it is 1:2, then a good passive source gives a return of 1:50 or 1:100! You work to create a source of income once, and then the money drips in constantly and without your direct participation!

You sleep - your bank account grows. You're on vacation - your e-wallet is replenished. You travel - and the money only becomes more (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

Several types of passive income are relevant for Russia. To be fair, I note that there are much more options abroad. But we also have plenty to choose from!

Financial (investment)

This is perhaps the easiest way to provide yourself with a constant source of payments over time. The principle is simple: we invest money 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 instrument on my blog, but if you sum them up, there are only two main types - and bonds. The first ones are a riskier 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 earning 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 more interesting offers - 8-10% or more (for example, MTS, Surgutneftegaz, M-Video).

Source: Larisa Morozova

The development of the company guarantees an increase in dividends. And you, as a shareholder, receive 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 rate (note, higher than bank interest!) 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 an excellent alternative to bank deposits. They provide slightly higher returns with the same or even higher level of reliability. Provided that you invest in high-quality, and not “junk” bonds!

Intelligent, including on the Internet

This option implies the presence of creative abilities and minimal creativity. This includes copyright of a book or logo, or a patent for an invention. It is clear that classic 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.

“Tutorials” are sold on the Internet in a variety of formats: books, video lessons, 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 websites or services. Therefore, to start receiving such income, you first need to acquire your own project. Let me explain my idea in more detail.

Participation in affiliate programs

Owners of popular blogs and websites can earn money passively through affiliate programs. In my opinion, this is one of the best options for earning money online. The bottom line is that when you click and order a product/service using a link from your website, you receive a percentage of the purchase in the form of an affiliate commission.

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

Affiliate programs are also very different in terms of profitability. Some pay more, some pay less. Some pay affiliate rewards fairly, while others strive to deceive. Everything is like in life.

Therefore, it is better to select options on specialized websites - with descriptions and ratings of companies. Sometimes a corresponding topic is suggested by a forum on investments on the Internet. Don't forget to carefully read the reviews about the program!

Creation of online courses

Each of us is an expert in at least something. Try creating an online course on “your” topic. Other training options: video lessons, e-books, audio files, checklists, interviews with experts, webinars.

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

Reviews on websites

Bonus point. I warn you right away that earnings on review sites will be meager. Very few people can boast of an income of even 1000 rubles a month. Yes, and calling this method of earning “passive” is a stretch.

Who is it suitable for?

1. For those who plan to master the profession of a copywriter and want to make money by writing texts. IRecommend and Otzovik are a great opportunity to learn how to write short commercial texts with a catchy headline
2. For those who still don’t believe that you can make money on the Internet. According to my observations, more and more money from real life is “flowing” into the Internet. And the one who manages to use new opportunities before others wins.
3. For those who consider themselves an expert in one of the fields. If you are well versed in car accessories, natural cosmetics or books, share your opinion with others. Experts usually like to talk about what they know a lot about. So why not do the same for a fee? Albeit symbolic.

Marketing income

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

A typical example: a built 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 earnings are guaranteed through participation in advertising projects and affiliate programs.

Not everyone can make a profit by trading Oriflame or AVON products. But bring it out your own website in 6-12 months for an income of $100-200 is quite real! The site owner can earn money from affiliate programs, from posting paid advertising articles, from contextual and teaser advertising, from selling links and much more.

Where can I get money to create sources of passive income?

Unfortunately, everything in this life “from scratch” and “without investment” only happens 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 in the Field of Fools. Pinocchio had to plant five gold coins in the ground and water them constantly.

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

So, where can you get money now to secure your long-term future?

There are only two options (and no one has yet come up with a third): increase income and reduce expenses. Or 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 this is also a good option). “Extra” money for creating passive sources of income can be found in the most unexpected places.

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

You will be surprised how much “money” is simply collecting 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. Direct one tenth of all cash receipts to create passive income. As Bodo Schaefer writes in his book “The Path to Financial Independence”: “You won’t notice a loss of 10% per month. You will live either as good as before, or just as bad.”

Yes, and one more important point! In the process of creating a new source of income, what is much more important is not the size of the “top-ups”, but their regularity! And until you reach the income level you set (1,000 rubles, 10,000 or 100,000 per month), you cannot spend your savings on personal goals!

We cut costs

People have come up with ways to save money: 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 set the stage, so to speak.

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 begins to leak. You spend all your energy trying to bail out the water and not drown (in our situation, making monthly payments with interest). And you and I need to move forward, towards, and not spin around in one place! Loans and debts shackle you hand and foot, and really slow down your development.

Secondly, buy yourself a diary for last year (or a regular notebook). And record your income and expenses every day, down to subway tickets and a cup of coffee. For convenience, divide your 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 obtained.

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 maintain one budget for the whole family!

For example, you and your spouse both keep records in Coinper, each from your 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 “at a bar with friends.”

Which ones do you prefer? Subscribe to updates and share posts with friends on your favorite social networks!