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!

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Many people dream of passive income and ask: “How to create passive income from scratch? Where can I find proven passive income ideas? But not many people know that today this type of income has become available to everyone. And largely thanks to His Majesty the Internet! In this article I will expand on the concept of “passive income” (residual income), talk about the sources of this type of income and describe several ideas for creating it that I use myself.

If you have already thought about the possibility of creating passive income and are striving for the life that passive income provides, then this article will be useful for you!

is a type of income characterized by stable cash inflows, regardless of daily activities. Most likely, you have already encountered (or heard of) people who live off passive income. These people usually "don't go to work." Such people are called rentiers.

A rentier is a person who lives off rent - income received from the capital that he placed in business, deposits, income-generating real estate, securities, as well as income from copyrights.

For example, you are an expert in a certain field. This means you can “sell” your knowledge by recording a training course (audio or video, it doesn’t matter). You have created a high-quality course once, and it will generate income for you whenever someone buys it (this can last for more than one year).

We have defined the concept of passive income. Now answer this question for yourself:

Why do you need passive income?

Many are attracted by luxurious life - luxurious beaches and houses, cars and yachts. But some people take this life calmly and are happy with what they have. I am one of these people because I understand that a luxurious life is just the tip of the iceberg.

I think the main advantage of building passive income is that you will be able to free up your precious time for your favorite activity, which you cannot do now because you are “working at work.” I know people who would like to devote themselves to serving other people - the homeless, children in orphanages.

With the help of passive income, you can start making your dreams come true.

2. “Money goes to money”?

The expression “money leads to money” quite often justifies itself. Today it so happens that people with average incomes spend all the money they earn without a trace, purchase goods on credit and borrow from friends and acquaintances until their salary or advance payment.

Why does it happen that people 30–40 years old cannot earn a good living? Now I will answer this question.

IMPORTANT! The point is: people don't know how to focus on creating assets. capable of solving material problems. It turns out that people are driving themselves into financial slavery, which is flourishing these days.

The educational cartoon, which you will find at the end of the article, presents the basics of personal finance in simple language and classifies people depending on their ability to manage them (which category do you belong to?):

1. Zombies (financial). Their expenses exceed their income and their assets are negative. Those. they live from paycheck to paycheck and are always in debt. Almost all their money goes to pay off their debts.

2. Kamikaze (financial). Their p A collections are approximately equal to their income, assets are negative. They often look wealthy: they have an apartment, a car... However, this is all on credit. They walk on a razor's edge, and in case of unforeseen circumstances they easily fall into the ranks of financial zombies!

3. Maniacs (financial). Their income is equal to or slightly higher than their expenses, and their assets are zero. They usually have no debts, but they also have no savings. They are at the mercy of the consumerism syndrome: they never have extra money, because they will always find something to spend it on right away.

4. Turtles (financial). Their income exceeds their expenses and their assets are positive. They have no or minimal debts, they have savings. But like turtles, they accumulate slowly, because they prefer to keep their savings under the mattress, and the most advanced turtles keep their savings in a bank.

5. Sages (financial). Their income exceeds their expenses, their assets are positive. They differ from turtles in the level of investment. Investments of net assets generate passive income for them.

Do you recognize yourself from the description? For example, I see that since I started thinking about personal finance and studying books on financial literacy, I gradually began to move towards the 5th category.

In order to learn how to create assets, I highly recommend that you read books on financial literacy by the famous businessman and investor Robert Kiyosaki. And be sure to give these books to your children to read. Start with books Rich dad, poor dad And Cash Flow Quadrant. If you prefer books in “paper” form, you can purchase them, for example, on Ozone (they have free delivery) - Rich dad, poor dad , Cash flow quadrant.

I like Kiyosaki’s simple but very effective advice for creating your own asset. As soon as you receive some income, you begin to distribute it to others - pay for an apartment, for school, for a hairdresser, for a concierge at the entrance. You give your money to everyone, but not to yourself! This is a fatal mistake for everyone who has not yet built passive income.

You must first of all “give” money to yourself, and therefore to everyone else! In this way, you will begin to create your asset and then you will be able to increase it by investing in your business or in some other way (which we will discuss below).

Here's a simple exercise. You can easily become a millionaire if you save just $1 a day! Don't believe me. Then open any deposit calculator on the Internet, for example this one. And you will see that if you give up one cup of coffee a day for 30 years (figuratively speaking), you can become a “hryvnia” or “ruble” millionaire.

I can’t believe it?! Look at the screenshot: a deposit at 12% with monthly top-ups of only $30 ($1 per day) with monthly capitalization will turn into 2.7 million hryvnia or 7 million rubles ($108,000). And it's only $1 a day.

TIP #2: UNDERSTAND that someone who works all day has no time to make money!

John Rockefeller said: “He who works all day has no time to earn money!” Think about his words.

Indeed, working in an enterprise, production, office, or no matter where, people earn money for “current” expenses. And you can become a millionaire only in your free time from your main job.

It follows that TIME IS OUR MAIN WEALTH. Remember: “Time is money” - this is what wealthy people take advantage of.

Let's consider the day of an ordinary person: in the morning he goes to work, in the afternoon he works all day, in the evening he goes home. On the way home, perhaps he goes to shops, cafes, and at home - dinner and TV. Naturally, such monotony does not set the stage for progress in the future, especially if you take into account that many make money by doing something they don’t really like to do.

Naturally, the creation of passive income is preceded by active work for a certain time (this can be several months or several years). But then you can leave your “unloved job” and enjoy life.

TIP #3. GAIN knowledge in the field of personal finance.

The famous financial literacy specialist Robert Kiyosaki, whom I mentioned above, DEFINED WEALTH BY THE LENGTH OF TIME during which, while continuing to live comfortably, a person can not work.

"Cash flow"- this is the name of the world-famous game by Robert Kiyosaki, which can help you figure out how to “turn time into money” by creating a constant passive income.

There are several versions of the Cash Flow game - 101, 202, 303 and 404. Each of them teaches investing skills, building your own business and competent handling of personal finances. Don't think this is just child's play. The game “Cashflow” will be interesting and challenging for all adults - not only for an office worker, but also for the owner of his own large business.

You can buy the game in a bookstore, but it will cost 30 or even 50% more than in an online store. You can order the game on the trusted website (online store) ozon.ru with free delivery. Here is the link Board game Cash Flow 101 (2016 edition).

If you want to learn more about the Cash Flow game, I recommend this interesting and useful with a detailed description of it.

IMPORTANT! I think you already understand that to build passive income, the first thing you need to do is learn financial literacy. Neither our parents, nor schools, nor universities give us this knowledge. Even if you work as an accountant in a large enterprise or a financial analyst in a bank, this does not always mean that you have knowledge in the field of personal finance.

3. Types and sources of passive income

We answered the question, what is passive income? I think it’s time to satisfy your curiosity by revealing the “secrets” of ways to create and sources of passive income. We will talk about this later. You just need to choose the method that suits you.

Many are not happy with the fact that they will have to wait (months, years). But we need to get out of this psychological trap. Think about it, working age lasts 25–40 years, ending with retirement age and receiving a pension, which can hardly be called “deserved and worthy.”

It turns out that we can work for several decades doing something that you don’t really like, but ensuring financial independence for ourselves is “beyond our strength.” But you will have the opportunity to retire much earlier than the period established by the state (not at 55 or 60 years old, but at 35 - 45).

Are you sure you want to create passive income so you can have more free time? Then start TODAY to take decisive action in this direction. Make up your mind and take action!

So, more about the types and methods of creating passive income

There are 4 types of passive income:

• investment (financial),
• intellectual,
• marketing,
• legal (required by law).

Agree, not very much. The types of passive income in Russia are the same as in other countries in the world. Now let’s figure out what ways you can provide passive income.

1st type. Investment (financial) passive income

Created in case of investment (investment) of funds in certain financial instruments and items. From the investment we receive a certain amount in the form of interest or profit.

Sources of profit can be:

• real estate;
• Bank deposit;
• securities;
• our business (if we buy it);
• equipment (if you rent it out).

2nd type. Intellectual passive income

Sources of income can be:

• Royalty;
• Patent for invention (technology)

If you don’t like the idea of ​​creating an information product yourself, you can earn income from promoting other people’s information products through affiliate programs. I myself earn income from this online business. I consider Evgeniy Vergus to be the main expert on making money on affiliate programs. You can immediately start earning money while studying this course. "PARTNER SALES WORKSHOP". You can easily recoup the cost of the course by studying the course and at the same time earning money by advertising affiliate information products. *

3rd type. Marketing Passive Income

This type of income is possible if you create a marketing system(s). For example, your website on the Internet or a personal brand for rent. Either one or several options are possible.

Personal branding involves using your name for commercial purposes.

For example, screen and sports stars are often involved in filming advertisements, thus becoming the “face” of a certain brand or company. They receive decent fees for using their name.

In this case, sources of passive income can be:

• own developed network marketing structure;
• commercial structures using your personal brand;
• your website;
• a business that generates profit from the operation of a marketing system (for example, an information business).

All these sources of passive income will provide you with passive income on the Internet without investment.

4th type. Legal passive income

I think there is no particular need to dwell on this view. I will only note that these are payments due to you “according to the Law.” By the way, there are people who rely on this type of passive income. For example, civilians work under contract in military units for low pay. But then they retire earlier and are guaranteed to receive a “military” pension.

4. Ideas for creating passive income

You have already learned about the types and sources of passive income. It's time to get acquainted with the options for creating it.

I propose to consider the most common and relevant ideas. Perhaps one of them will suit you to ensure a regular cash flow.

1. Information site or blog

If you know how or want to learn how to create and launch websites, and know the basic principles of marketing, then you can organize passive income, practically from scratch. It’s not for nothing that organizing passive income using the Internet is becoming increasingly popular.

For example, the blog you are currently on also generates passive income.

In addition to the above skills, you will need free time, as well as a desire to learn. You you can make your own website even if you do not have any special technical skills. Especially for those who decide to make money with their blog or information site, I have prepared a series of articles with step-by-step instructions, videos and screenshots. In less than a week you will have your website ready for content. Here is the link .

To organize passive income using your website, you will, of course, need some time (from six months to two years). This time will be needed to regularly work on your project (several hours a day) in order to improve and optimize it.

Do not be mistaken that by creating a website, you have done everything necessary to receive passive income, and now you can “sit back.” No! To turn a site into a full-fledged “money machine” you will have to work on it for 1-2 years. But you will start receiving your first money within a few months after the start of the project.

After you turn your site into a “money machine”, you can sell it (ready-made business!). Moreover, the proceeds from the sale can exceed the amount of monthly passive income by 20 times.

For example, my colleague bought a 3-year-old working website for 1,500,000 rubles.

The arithmetic is simple: If your website brings in 10 thousand rubles a month, then you can sell it for 200 thousand rubles. and more expensive.

Therefore, you can make money by creating income-generating websites and organize your business in this way.

Ways to make money on your website:

• placement of contextual advertising;
• placement of paid advertising articles;
• sale of advertising space;
• placement of affiliate links;
• selling your own training courses.

2. Intelligent product

Having a certain talent, it is possible to create your own intellectual product (book, technology, educational video, etc.). This product can become a source of your passive income if you start replicating it or renting it out.

Let's consider an example of passive income, when an intellectual product (a book) made the author a millionaire. Today, it is perhaps difficult to find a person who does not know the name JK Rowling. But it was the books about Harry Potter that brought her a multimillion-dollar fortune.

An invention, a fundamentally new industrial design or technology can also become a source of passive income. They will be your intangible asset.

An intangible asset is a product of intellectual labor that, without having a material form, is capable of generating income. For example, a patent for an invention, trademark or brand.

3. Property rental

Of course, the most common way is to rent out real estate. But let's look at other passive income options. For example, construction, commercial or industrial equipment and other expensive things. Moreover, passive income from real estate is often lower than from equipment.

For example, by purchasing construction equipment and tools, you can rent them out, thus organizing your business. If a drill or hammer drill costs, for example, 20 thousand rubles, then you can rent out the tool for 100 – 500 rubles per day. The tool will pay for itself in a fairly short period of time (less than a month).

4. Securities, bank PAMM accounts, mutual funds

One of the common ways to create passive income is by investing in financial instruments.

Investing, in some ways, can be thought of as a business. But to become a professional investor, you must first study this complex topic. You can learn more about financial instruments on this useful website Club of private investors “Where to invest money - ways to invest.”

Of course, there are advantages to investments (higher income compared to a bank deposit), but they also have disadvantages, namely: high risks.

PAMM accounts, mutual funds and securities are not able to provide stable income (excluding bonds). There is a high risk of losses. Take this into account!

5. Network Marketing

Network marketing is considered one of the most affordable ways to create passive income. Perhaps because the first investment usually does not exceed $100.

The condition under which you can organize this kind of passive income is communication skills. Because in this case you will need to be able to communicate with people, win them over, ensuring friendly communication. The main thing is that you do not fall into a financial pyramid!

To protect yourself from this risk, check out this helpful article “What is a financial pyramid?” .

6. Own business

Organizing an entrepreneurial project is perhaps the best way to create passive income.

Internet business is suitable for people with any financial situation at the moment. Even if you do not have large enough finances, the network can provide opportunities to start with virtually no investment. Thus, your income will gradually turn from “active” to “passive”.

The most difficult step towards starting your own business is simply making a final and irrevocable decision. It's best to start with a simple business without investment. With organization ideas business without investment for beginners entrepreneurs read . The information in this article will help you organize a business and create passive income from scratch.

Let me give you my example of passive income. I built my own vending business - I bought several payment terminals (invested my own capital), and installed terminals in supermarkets under a lease agreement. The terminals are collected by a third-party organization under a maintenance agreement. I receive income that can be called passive, although I participate in it (I carry out settlements with my counterparties). This business takes very little time - 1-2 days a month.

I highly recommend investing in a vending business, where machines work for you and you receive income. The potential of this business, based on statistics, is huge!

5. Recommendations and tips for acquiring financial independence

You have already become acquainted with the concept of “passive income” and learned about its types and methods of organization, about the ideas of passive income. You know enough to take action. As soon as you make up your mind and begin to act, you will have the opportunity to gain financial independence, leave your “unloved” job, start traveling and do what you have dreamed of all your life, for example, charity.

1) Take the time to build assets.

Don't limit yourself to just income from your day job. Think about what you can do so that, having done this once, you will receive money many times over - replicate your efforts!

I hope that you are not striving for a “beggarly” existence, which, unfortunately, a pension can provide.

2) Strive to organize several sources of passive income.

In this case, you will protect yourself from possible risks: the loss of one source may be compensated by another. And at some point it will support you.

How important this is, he described very well in his book.

3) Increase financial literacy

Self-education is the first thing you should do! Invest in yourself! I recommend carefully reading books considered fundamental: Robert Kiyosaki "Rich dad, poor dad" and Bodo Schaeffer "Money or the ABC of Money", - they will help you understand more deeply the principle of the functioning of money and the principle of creating passive income.

Please note that there are no special “secrets”. For success you only need desire, time and certain knowledge.

Watch this educational cartoon about what passive income is so that all the puzzles fit into a clear picture and you have the confidence to start moving towards creating passive income. You should start by educating yourself on personal finance. It is also extremely important to pass on this knowledge to your children!

I wish everyone confidence and determination!

I managed to create several sources of passive income, so you can too!

Write in the comments which category of people you belong to from a financial point of view and did you manage to move to a category closer to 5th?

Subscribe and receive the most interesting blog materials - subscribe below. When you subscribe, you will receive the first biography of Elon Musk, one of the leaders in financial literacy today, for free.

Passive income on the Internet interests a large number of citizens of our country. This is not surprising, since the desire to improve one’s financial situation has been held in high esteem at all times. Making money on the Internet raises a lot of questions; not everyone will be able to get the desired profit. There will be obstacles and difficulties on the path to success. What is important here is not so much luck as the ability to learn and listen to the advice of professionals.

What is worth knowing about passive income on the Internet and without it?

Passive income often requires considerable effort and time. The user has to face insurmountable obstacles that not everyone can withstand. Because of this, grievances and rumors arise that it is impossible to make money on the Internet. Today we are ready to debunk this myth by talking about the most popular and easiest methods of passive work.

Important!!! An unstable financial situation, frequent layoffs and salary reductions lead to passive income. As long as such trends exist, users will look for new sources of income.

Our article is aimed at collecting information about all known facts of earning money through the Internet and without it, we will consider:

• What is passive income and what is its difference from active income?
• What is meant by the concept of “wealth” and how a poor person can achieve it.
• Sources and types of passive income.
• Creating and receiving passive income via the Internet.

Thus, we will consider the entire financial component of successful earnings through passive sources.

Our article was created for those who want:

1. Become independent from routine office work.
2. Self-actualize and show others your capabilities.
3. Provide a decent life for yourself and your loved ones.
4. Guarantee yourself a comfortable old age.
5. Reach a previously insurmountable financial goal.

If at least one of the points suits our reader, the article will help answer all questions of interest.

What is passive income

Passive income, unlike active income, does not require constant control and participation on the part of the owner. It is created only once, while the owner receives income constantly.

Important!!! Success in your endeavors largely depends on preparation. Read topical books, publications, listen to the opinions and recommendations of professionals.
Never ignore reading additional information, it will help you determine the best sources of income, as well as find the right approach to them.

What is the difference between the poor and the rich

Kiyosaki believes that a rich person is determined primarily not by how much he can earn, but by how much money a person has left and whether it is enough to provide for subsequent generations. This statement is based on the inability of some people to spend money.

Instead of saving and creating savings, many spend it on entertainment and other unnecessary expenses. As a result, a person remains below the poverty line and falls into a financial abyss.

But all the extra funds could be used in a personal business, creating passive income.
Thus, we can highlight the main difference between poor and rich people - rational thinking and restraint in spending money.
A rich person spends less than he earns. He can use the remaining money for self-development or his own business. He also strives to find ways to earn money that do not require constant monitoring, but still bring a stable income.
Many may say that such statements do not apply to the realities of Russian life. But in our country there are also many rich people who were able to rise from scratch. This, first of all, speaks of real opportunities that everyone can take advantage of.

Sources of Passive Income

Sources of passive income can be divided into four groups:

• Passive income from intellectual property. This means writing books, paintings, music, creating inventions and other products of intellectual activity. Profit will come from their publication and registration of patents.
• Passive income from financial investments. If you have savings, you can purchase securities, real estate or ready-made businesses; it is also possible to create deposits. Such earnings will help you get a stable income with a small injection of money.
• Passive income from marketing activities. This type of income does not require material investments. This refers to the promotion of third-party resources or products. Vivid examples are network marketing (Oriflay, Avon) and the sale of information products. With the right approach to business, they will bring good profits.
• Passive income from the state. This type of income is rarely considered, but has a right to exist. This includes some government benefits, scholarships, pensions, and subsidies. It is enough just to find official ways to obtain them.

The list presented above is a general list of all possible methods of passive income. We propose to consider the most realistic and profitable of them.

Best Passive Income Ideas

There are many interesting ideas for passive income. Each of them deserves attention, but it is simply impossible to talk about them all at once. Therefore, it is worth discussing separately the most popular options today.

TOP 7 profitable ideas for passive income

1. Development of your own website.

It requires considerable effort and expense to create and maintain. If you have your own experience and knowledge, the owner can create the resource yourself. Otherwise, you will have to contact a specialist. It is worth saying that any costs will be justified with the right approach to the matter.
It’s not enough to create a website; it needs to be filled with thematic articles and pictures. They must be unique, attract the attention of users and make them visit the site again and again. As their number grows, the income of the site owner will also grow.
You can make money on the site using:

• Selling perpetual links.
• Placing advertisements from third-party companies.
• Participation in affiliate programs.

The promoted site will be of interest to advertisers. They themselves will find a way to contact the owner to discuss the terms of advertising on the site.
Affiliate programs will help you make money by attracting new users to the system, as well as making a profit by performing certain actions by visitors. For example, it is possible to place an advertisement for an online store; as soon as the user clicks on it and makes a purchase, the site owner will receive a percentage of the total amount.
You can also make money on the site by selling it. The final cost, as a rule, is several times greater than the amount of the initial investment.
The site owner should also not forget about the need for periodic promotion. Only this will give confidence that users will not lose interest in this site.

2. Creation of an intellectual product.

A creative person can try to get passive income from the fruits of his intellect. As mentioned above, this can be a book, a scientific invention, or other works of intellectual activity. They can be sold one-time or used as a clever marketing ploy and receive a stable income for a long time.

3. Renting out property.

The owner of an apartment, house, cottage, car can make great money by renting them out. This will also apply to passive income, which requires virtually no additional injection of money. You can even rent out personal items (wedding or cocktail dress, suit), jewelry, furniture or construction tools. Finding clients will not be difficult; you just need to determine the price and place an ad on one of the electronic boards.

4. Receiving payments from the state treasury.

Not many people know that there are government programs to support aspiring businessmen. All you need to get them is drawing up a profitable business plan and presenting it in a favorable light. The money can be directed towards the idea of ​​passive income. This category also includes social payments, maternity capital certificate, etc. If desired, they can be put aside and later spent on developing a passive business.

5. Financial investments.

Requires available funds (savings). Financial investing requires a serious approach to work, preferably having an economic education and analytical thinking.
Financial investments are always associated with risk, so the investor should soberly assess the situation. Funds can be spent on:

• Purchase of real estate.
• Purchase of securities or other assets of the enterprise.
• Acquisition of a ready-made business.

Those with small savings should use the second option, i.e. purchase of securities. As a rule, shares of recently created but promising companies are inexpensive. They can bring good income in the future.

6. Network marketing.

Refers to passive income without investments. It implies participation in the sale of a certain product and receiving a percentage of profit from it; it is also possible to attract new partners to the system.
Network marketing is gaining more and more popularity every year. It allows you to open your own mini-business, receiving an excellent source of passive income. The only thing you need to know is how to choose the right company. Here it is necessary to remember that an organization with a good reputation will never ask for advance payment.

7. Creating your own business.

There is nothing more profitable than having your own business. It doesn't have to be a huge undertaking requiring large investments. You can start from scratch with a small initial capital. For example, online business has just begun to gain popularity. Today, some niches still remain open that you can occupy, successfully advertise and make a profit. We will talk about similar ways to earn money later.

Options for passive income via the Internet

When considering the Internet as a subject of passive income, you should choose a goal for yourself. It can be to receive a small profit one time or periodically. You can achieve the first by registering on social networks and sites for quick money. They offer payment for clicks, conversions and other actions. However, the profit will be negligible.
Second option provides for a gradual increase in income by developing your idea. It requires effort. Here the user must understand that high income cannot be achieved without difficulty.

Online earnings options 2018:

• Selling advertising space on the website. In one of the sections of our article we already talked about this type of earnings. It is based on paid advertising from third-party resources. Here you need to have a website with good traffic and reputation. Payment is made one-time or monthly. The last option is the most preferable.
• Earning money from affiliate programs. Many online stores offer their customers to participate in an affiliate program. All you need to do is complete a short registration and distribute affiliate links to the store. This can be done through social networks or thematic forums. The amount of income will directly depend on the total amount of goods purchased by customers who clicked on the affiliate link. It is enough to leave it on any site once, and the income will flow on a long-term basis.
• Investment. This includes a variety of ways to earn money. This could also be the acquisition of a site, investing in its development, purchasing securities and other things. The most promising direction is participation in trading on currency exchanges. They do not require constant monitoring; it is enough to choose a time convenient for yourself, buy currency, and then sell it at a favorable rate.
• Income from social networks. Contact, Instagram, Odnoklassniki and other social networks are a good option for earning money. You can earn income by creating your own group. A large number of subscribers will lead to organizations wishing to advertise on a paid basis. All the owner of the group needs to do is create it, fill it with up-to-date information and maintain it in the future. At first, you may have to invest money in advertising on third-party resources, this will make it possible to attract the attention of users to the public.
• Profit from a YouTube channel. Popular video bloggers earn several hundred dollars every day, sometimes this amount amounts to thousands. Anyone can try this type of earnings; you just need to open your own channel and post interesting videos on it. As their views increase, the chances of making a profit will increase.
• Creation of an online store. Your own business on the Internet, unlike a real one, does not require renting premises and investing large amounts of money in purchasing goods. You can open your store as a group on social networks. The goods will be purchased with advance payment from customers. The difference between prices stays in the store owner's pocket.
• Distribution of information. Almost every popular website offers its visitors to subscribe to a free newsletter. It can be used to advertise your services or a third-party company. Many organizations are willing to pay good money for this kind of advertising.

Making money on the Internet does not end with the list presented above. It is quite wide and varied. We discussed the most profitable of them.

The type of profit obtained with minimal energy costs is called passive income. If they try to convince you that there is no effort involved, or no investment at all, you are being cruelly deceived: the investor is investing money, experience, time and attention.

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Passive income from investments

Suitable tools are described below.

High yield stocks

Types of shares:

• Dividends. They are offered by large developed companies that spend income on paying dividends to investors and do not invest in development. Amount of income=company's income for the reporting period.
• Growth stocks. They change hands and receive income from the trading process. Companies need additional profits for development and growth, and dividends are rarely paid.
• Value shares. Cheap shares whose rating has fallen below market value due to a number of external reasons: a crisis in the industry, the release of an unpopular product, negative news about the company, sometimes custom-made. Liquidity and revaluation of shares of such companies wait up to 10 years, but if the investor chooses the right strategy, you can earn quite a lot over these years.

Example of passive income on stocks

• Quite quick earnings.
• Wide audience and lightning-fast distribution of news.
• They have virtually no restrictions.
• Disadvantages: preferably an economic education, experience in trading the stock exchange and communicating with brokers.

Character:

• Receiving dividends. The investor becomes a co-founder of that other company by purchasing part of the securities on the stock exchange from a broker. A percentage is paid from the company’s income, the amount of which varies depending on the popularity of the brand and the purity of the transaction.
• Earnings from exchange rate differences. It's the same thing, buy cheaper, sell more. This method of earning money is not suitable for beginners.
• Profit rate: profit will be up to 10% per year. If you invest in shares of developing and increasingly popular startups, there is a chance of getting up to 80%.

Risks.
They are reduced by forming an investor portfolio of innovative companies whose growth is monitored, and the portfolio is sorted out 3-4 times a year.

It is better to scatter investments over several stocks - profits and risks of losing money will be reduced, but the income will be stable. It is better to choose an investment period of up to six months - companies burn out in the same way as they fail.

Exchange for beginners:

• eToro;
• FinmaxFX;
• Libertex.

Bonds

The international financial market has provided an opportunity to make money on foreign bonds (bonds) of issuers, the turnover of which takes place on the Euromarket. Most transactions take place on sites in London (3/4 of the world's bond turnover), Singapore, and Hong Kong. The list included the countries of South America, Tokyo and Washington.

• International-bonds – bonds placed on foreign capital markets.
• Eurobonds are debt securities of a particular country, quoted in the national currency. Bonds are placed by authorized legal entities; trading, buying and selling occurs through intermediaries - brokers.
• Intermediaries withhold taxes from Russian investors - 13%.

• Default;
• Debt restructuring.

Mutual funds

UIF – mutual investment fund. To make money, you need a team of investors who will jointly contribute a sum of money to the project. After receiving the profit, the amount is divided between the participants in proportion to the deposits made.

This type of passive income is a cross between private and joint investments.

You can invest in: securities, real estate, currency.

The work of mutual funds is regulated by a management company, which demands its percentage for the work; the deductions are lower than when working with brokers directly. The investor pays a profit tax of 13%.

• Open. The investment amount is 1,000 – 3,000 rubles. You can withdraw your deposit at any time. Passive short-term investments with low income. Funds are invested in securities, currencies, deposits, funds, stock indices.
• Interval mutual funds. Withdrawal of funds is carried out within a predetermined time frame.
• Closed mutual funds. A party for the elite. There is a turnover of serious funds here, the participants have financial experience. Qualified investors invest in real estate, works of art, and high-risk venture funds. Project duration is 3 - 15 years.

• There is no need to understand the intricacies of trading and economics;
• There is no need to buy foreign currency;
• You can start with a limited amount of financial resources;
• Legislation protects the rights of investors and shareholders of mutual funds;
• Even an investor without qualifications can earn money;
• Control, transparency, reliability of transactions.

• Unstable situation on the securities market.
• No one can guarantee that you will receive an income.

Popular mutual funds in the Russian Federation:

• Sberbank;
• Gazprom;
• Alfa Capital;
• Uralsib.

Index funds (ETFs)

Pros: a ready-made portfolio of assets for trading with free management and high liquidity indicators. Transparent transactions for this type of passive income are offered by brokers and platforms eToro and Libertex.

ETFs - available on eToro

Character: for long-term investments it is better to use a passive strategy, for short-term investments - an active one.

Such investment baskets are purchased in the niche format FITS, SLIM, WSKY (investments are spent on the purchase of collectible whiskey, but the bottle of the drink is stored in the investor’s electronic assets).

Bank deposits

Russian banks are exposed to risks in the form of inflation and an unstable economic situation.

Deposits in microfinance organizations

A risky way to earn passive income. MFOs that issue microloans use new funds raised to pay off old debts. You won’t be able to make money; there is a high risk of losing your investment forever.

Profitability in MFOs is much higher, reaching up to 30% per annum

Real estate investing

Do you have free living space and some money? Spend a little time on cosmetic repairs - a house or apartment is rented at a profit throughout Russia.

The main risk here is the human factor: pay close attention to the residents and do not leave anything valuable to you in the room.

The average rental cost is 1k. apartments in Moscow - 23-35 thousand rubles

The same rule applies to furniture and plumbing. If the costs of repairs are significant, draw up, in addition to the rental agreement, a list of equipment in the house. If residents cause damage, they will compensate for it.

Passive income on the Internet

The Internet offers fun ways to earn passive income. Moreover, for this you do not have to be an expert in a narrowly focused field or invest money.

Blog

• Free launch of an online diary.
• A quick set of views, likes, comments (subject to the presence of tasty original content).
• Anyone can start.
• As soon as the blog gets 500 or more views per day, they begin to monetize it with links and advertising.

Profit in Google Adsense

You must love to write and be able to compose structured texts.
Decide on a topic, but it's not that easy.

For example, blogger Kat Bezymyannaya shares her views on life, actively communicates with subscribers, answers questions, and provides feedback. The girl provided paid intimate services in the past, and in her diary she debunks the myths that netizens have adorned this profession with.

People need such details, hype, the opportunity to chat about taboo topics, and have fun.
To write a good article that users will come to read, you need to spend some free time.

Create a website that sells

• Paid and free platforms for creating a website.
• A huge list of marketing tools for self-promotion.
• The subject of sale is not only a physical product, but also an information product - trade knowledge, skills, and abilities.

• Availability of goods for promotion.
• Today, every second site selling goods offers gadgets from Ali Express with a 100-300% markup.

Partnership programs

• Income amount – from 200 rubles. per day.
• Minimal time investment.

Affiliate traffic drain statistics

• Ban for sending spam, an abundance of advertising publications that interfere with viewing the content.
• Decrease in conversion and pessimization of the site from the search engines Yandex and Google.
• It is necessary to have live users and rich content in order to have something to dilute the advertising.

Referrals

There are also small nuances here. If you attract people through your website, then this will be passive income.
But if you work through any advertising networks, then you need analysis, creation of ads, analytics, and trying other advertising networks. This again takes time.

An example of daily non-linear income in a content exchange

More significant income from referrals

YouTube channel

• Free platform.
• Expanded monetization (advertising units, links, affiliate programs, video promotion of goods and services of partners, information business).

Profit from a Youtube channel

Required: availability of audio and video equipment, ability to create suitable content and edit videos, choice of direction of work.

The ability to beautifully portray Russian and foreign cinema is for the BadComedian channel. Game streams (playing through the game), reviews of video games, PR - welcome to Marmok.

The channels are well-promoted, the authors have found their target audience, the videos are pleasant to watch - neither the video sequence nor the audio tracks interfere with the sensory organs. Channels receive income not only from participation in affiliate programs, but also from views, comments, and likes.

Selling photos and videos

Where to sell: it’s better to reach a direct customer and turn your favorite activity into a paid hobby.

The principle of working with photo banks: it is not the photograph that is sold, but the right to use the image or video content. The author is required to pay tax. Photobank is an intermediary between the author and the buyer of the image.

Balance in photostock

• Shutterstock;
• Adobe Stock (Fotolia);
• iStockphoto;
• Dreamtime;
• 123 RF;
• BigStockPhoto;
• DepositPhotos;
• Pond5;
• 500px;
• Getty Images.

Each photo bank requires a percentage for cooperation, the amount depends on the level of quality of the photo content. Most do not have a Russian-language interface, but it is convenient to work with them. Please note that to register in some photo banks you need a foreign passport. The above platforms also work with video content, for which there is a list of requirements.

Earning money from information products

Information products include: e-books, online courses, trainings, Skype consultations.

• They pay for experience;
• Investments are minimal (you need a microphone, audio and video recording device; at the start of a business you can rent or ask friends for a percentage of the proceeds or promotion of services).

Cost of information products on the digital trading platform

• You will have to pay tax or register for self-employment;
• You must be able to create content, develop training manuals, and promote a website or blog.

Investing in Android or iOS Apps

For example, the startup Under Cover is looking for investors to develop a smartphone insurance service.

If you have some savings, participate in crowdfunding - after launching projects and receiving income from the first sales of a unique selling proposition or even minimally viable models (prototypes), the investor will receive a cash reward or become the first to test a paid cool application for free.

Network marketing

Oriflame, weight loss courses, dietary supplements (without certificates of conformity, licenses or quality guarantees), Ivon, Faberlic and others are boring the audience.

You can make money in such companies, but you will have to invest money at the start and spend a lot of time to reach the level of self-sufficiency.

Cashback for card transactions and orders in stores

Cash back is a return of part of the funds spent.

The bank signs an agreement with partner stores, and part of the fixed amount spent on purchases is returned to the card in the form of money or bonuses (miles, points) for the next purchase. This is more of a sales promotion method than a real way to make money.

Cards with cashback by profitability

Passive income in business

If you are the owner of an individual entrepreneur or co-founder of an LLC, passive income will be serious, but will require investments.

Selling a franchise

Acting as a franchisor (seller), the investor transfers the right to use the brand and open a representative office in another city or country to the fanchiser (buyer).

He is obliged to fulfill a number of conditions for doing business, follow the brand book, requirements for personnel selection, comply with design layouts, and the rules of business processes prescribed by the owner.

The investor receives a royalty (a monthly percentage of the activities of the representative office, a percentage of revenue) and a lump sum payment - a one-time payment, which includes a brand package.

Leaders in franchise sales for 2019

Become a passive business partner

The role of a business angel - a private short-term investor - is suitable if you have 100,000 rubles or more available.

Instead of an open loan, ask for rights to a portion of the shares of a growing company.

If an investor understands this type of business, paid consultations with a startup company, personal information contribution to the development of the project, an increase in the amount of personal presence and the price of a share of shares will increase the final income.

Information is a sought-after commodity. Whoever owns the right expert opinion owns the world. Consultations and audits online, in person – there are many options.

Webmasters and advanced marketers run personal websites where, in addition to free advice and useful articles, they offer accounting, legal, and web support for projects.