Constantly and most importantly guaranteed, receiving a certain income every month is the dream of any investor. Money works without your participation or any effort and brings even more money. How to achieve this? The answer is you need to know where to invest money. Of course, the amount of profit will directly depend on the amount of funds invested. And let’s say, for novice investors, the profit received from their investments will be relatively small. But you have to start somewhere. After all, the very fact of generating very attractive. In order for income to grow, you need 2 things: periodically invest additional money and constant investment. In law - over time, even the most modest capital can turn into a fairly impressive amount, the profit from which will give you a significant financial flow in the form of monthly income from the funds placed.

Where can you invest money to receive a constant monthly income?

We buy with different coupon payment dates. It is on these dates that you will be accrued profit. You can create a portfolio of bonds in such a way that profits are transferred to your account every month. Typically the coupon duration is 91 or 182 days. Every 3 months or six months, the profit from the purchased bond will be credited to your account.

Advantages. Higher profitability. Clearly predicted and fixed income. High (you can instantly sell bonds without losing accrued profit).

Flaws. The probability of bankruptcy of the issuer that issued the bonds. For blue chips this probability is low. For OFZ (federal loan bonds) and municipal bonds it is practically zero. Usually (although very rarely) so-called third-tier companies (junk bonds) go bankrupt. Avoid buying them and everything will be fine.

4. Dividend shares . Buy ones that consistently pay dividends. And not just dividends, but... On average, on the Russian market this size is 3-6% of the value of shares. There are companies (but they are few) whose dividends are slightly higher and amount to 8-10%. Judging by the latest payments, these are Surgutneftegaz, MTS and M-video.

The profitability, of course, is still small, but if you consider that you are buying a piece of a working (and successful) business, then with the further development of the company, the profit will also grow.

For example. The price of shares in the stock market is very volatile. They can “walk” within 20-30% throughout the year, both up and down. At the beginning of the year, SurgutNeftegazP shares cost almost 50 rubles per share, then the price fell almost 2 times within six months, to 28 rubles. Considering that the average yield is 10% per share (at a price of 45 rubles) or 4.5 rubles, if you bought at the “bottom” at 28, you would provide yourself with a future profitability of 17% per annum. And if the company’s profit continues to grow, then the annual profitability will easily exceed 20%.

Advantages. By purchasing a “piece of business” in the form of dividend shares, you will be entitled to a share of the company’s profits. You can find it, thereby obtaining an even higher annual return. As the company develops, profits will increase, which means dividends will also increase.

Flaws. Uneven payment of dividends. The lion's share of payments occurs in the second quarter. Some companies pay dividends twice a year. High volatility in the stock market. Shares purchased may drop significantly in value. But if you are focused (several years), then this will give you the opportunity to purchase additional shares at bargain prices.

Finally

It is possible (and even necessary) to receive passive income every month. There is nothing complicated about this. The listed methods are available to everyone. And don't forget. Divide your funds into several parts and use them to make a profit in each way. This will, of course, reduce the overall profit, but you will greatly reduce the risks when investing.

Types of passive income are those in which the availability of stable financial income does not depend on daily work activities. Any of us has heard about people who live off such income - those who do not have to go to work. They are called "rentiers", that is, living off rent.

Rent is the income that the owner receives from fixed capital placed in real estate, deposits, securities, etc. “From the same opera” - sources of passive income associated with copyrights. By the way, the last option is not ordered to anyone these days. Everything is simple here: having created something once and registered the copyright on your own brainchild, you will have such royalties with each next sale.

If you are a professional (no matter what field) you have a real opportunity to monetize your own knowledge. Simply record the training course on video or audio and release it to the market.

Why are we not rentiers?

Today we will look at options for passive income and its possible sources. Its huge advantage is the freeing up of personal time, which can be spent on your favorite activities, family, relaxation, household chores or somewhere else. Anyone who works hard all day at work is almost completely deprived of such a wonderful opportunity.

Managing personal time at your own discretion does not mean wasting your life in entertainment venues, or lying on a warm beach - many people would be happy to engage in charity work, helping the sick and homeless, or creating works of art. To start making all these dreams come true, you need the most stable passive income.

Everyone has heard the expression “money to money.” What does it mean? Nowadays, it is not uncommon for a person, having a generally good salary, to “eat up” it completely, buy things on credit and borrow from relatives and friends from payday to payday. This continues for years and decades.

But why is this happening? It seems that the main problem of such people is that the idea of ​​passive income does not even occur to them. They are not able to create an asset that will work for their well-being in the future. These people immediately spend everything they earn, and thus deprive themselves of the only chance to ever escape the captivity of financial slavery.

Do you recognize yourself?

Some of these consumers can be classified as “financial zombies.” These are those whose assets have long been a negative value. That is, their expenses are greater than their income. Debts accompany them throughout their lives. Having given one loan, they immediately take out the next one and so on.

The other category is a little more prosperous (but this does not make it any easier) - it tries to somehow correlate its expenses with the amount of earnings. They sometimes have a set of necessary goods - housing, a car, etc. Most of this was purchased on credit, which puts the owners in a dangerous and unstable position. After all, if any unforeseen financial circumstance happened, their well-being would crumble like a house of cards.

There is progress...

In contrast to the above categories, there are those whose assets can be considered positive. That is, their income is higher than their expenses. The majority of ordinary citizens from this group prefer not to have debts or reduce them to a minimum and even have some savings, but such saved finances do not play a fundamental role, since they accumulate extremely slowly and are located either under the mattress or (at best) on a savings account.

The most advanced of our fellow citizens are those who are haunted by the idea of ​​passive income. They try to seize every opportunity to invest free funds and create their own additional financial source.

Let's turn to the authorities

Many people know the name Robert Kiyosaki. This investor and businessman has written a number of popular books on the basics of financial literacy, which will not be amiss for anyone to read. For example, one of the interesting and most effective tips from this author is as follows: the mistake of almost all of us is that, having earned a certain amount, we try to distribute these funds to anyone but ourselves. We pay rent and utilities, but leave nothing for ourselves. You should start with yourself by creating your own monetary asset. Subsequently, it will become the basis for investing in a business or another source of permanent income.

Another “pro” in financial matters named Rockefeller once said that a person who works full time has absolutely no time to earn money. Despite all the paradoxical nature of this saying, its wisdom lies on the surface - indeed, working in an office or in production, each of us is able to earn money for ourselves personally only for current expenses to maintain daily existence. There is neither strength nor free time left for actions leading to wealth and prosperity.

The conclusion is this: the main resource is time, as any wealthy person knows well. The idea of ​​passive income is based on the correct distribution of this invaluable asset. And only after achieving this can you begin to move towards financial success. Everyone knows that everyone who achieved wealth initially had a specific list of goals. Well, the third, most important component for creating passive income is active, targeted work over a number of months or even years.

The result should be a legal opportunity to quit your unloved job and start living on dividends.

Passive income: examples and options

Now let's talk about the ways in which passive income is created. All of its sources can be attributed to four types - investment (or financial), intellectual, marketing or legal (that is, the one that we are entitled to by law). Passive income in Russia is no different from that in any other country in the world.

We will receive passive income of a financial or investment nature if we invest in a certain financial instrument, which will bring us a certain percentage of profit. Sources of such investment may exist in the form of real estate, securities, bank deposits, our own business (if purchased), or equipment owned by us that can be leased.

The second of the listed options, called intellectual, arises, as mentioned above, through the creation and implementation of any product of mental labor. The information business, which is widespread on the Internet these days, is based on this principle. Many professionals in a variety of fields develop and design their own training courses, then release them for sale an unlimited number of times.

"Affiliates" is an interesting topic

In the same way, it is possible to purchase the rights to resell a similar product, which can bring no less income. This type of earnings is called affiliate marketing. Other sources related to this item may include royalties, patents for completed inventions or developed technologies.

Earning money from affiliate programs is an excellent way out for those who do not have too much hope in creating their own intellectual product - because this saves time and mental resources. You just need to join such a program or purchase the right to resell (resell) a selected book, video or audio course.

Other earnings without investment

Marketing passive income is one in which you organize your own marketing system or several of them. An example of such a structure could be your own website on the Internet or a personal brand, the right to use which you can also sell. A combination of several of the strategies mentioned is also possible.

What is meant by the concept of a personal brand? This is a commercial use of a famous name. An example is filming, television and sports stars filming commercials. By becoming the “face” of a particular brand, they receive good money.

The fourth type - legal income of a passive nature - includes all cases when people, in addition to a certain (sometimes not too high) remuneration for their work, receive certain bonuses from the state. This could be, for example, early retirement with a guaranteed receipt, which is typical for the military, etc.

Going online

Creating a website for making money on the Internet (or blog). These days, this does not require a lot of complex technical knowledge and skills. You can make an acceptable website with your own hands by mastering the minimum information that can be easily and freely found on the Internet. There are many step-by-step instructions and video courses.

Of course, your own blog or website will not immediately bring you financial returns. To promote it and bring it to an acceptable level, it will take at least six months, and most likely a year or two. All this time you will have to work on your own project on a regular basis, optimize it and bring it to fruition. This work will take several hours daily. However, you can count on the first small revenues within a few months from the start.

Having created and promoted a website, you can sell it, and for a very good amount. It is quite possible for a person who has mastered this technology to organize his own business of “manufacturing” and further selling profitable Internet pages.

How do they make money on them? The most popular methods include generating income by placing blocks of contextual advertising and similar articles on resource pages, of course, not for free. The sites place affiliate links and sell advertising space; they also actively offer training courses to customers, both their own and those of partners.

In a word, there are a lot of ways to use such a valuable resource as a blog or website on the Internet, and you always have the opportunity to choose something that suits you.

For those who are not deprived of intelligence

Creating a product that has the status of an intellectual product (this includes books, educational videos, new technologies, etc.) implies the presence of a certain talent, as well as a high level of professionalism in any of the areas.

If you are an inventor or developer of an industrial design that has become fundamentally new, then your labor products can safely be classified as intangible assets. This term refers to those derivatives of our intellect that generate income in the absence of a material form. Examples include trademarks, brands, or patented inventions.

Let's go down to earth

Income from renting out an apartment (or other real estate, if available) is a well-known and very common option. But there are others like it: it is possible to “let out” not only buildings or retail space, but also equipment related to a variety of industries - trade, construction or manufacturing.

And other expensive items (for example, automobile equipment) will bring you good dividends. Sometimes it is more profitable to manage equipment than real estate. In particular, by purchasing tools and equipment for construction, you can actually organize a good and quite profitable business based on their rental. The payback on such activities is very high and in time significantly exceeds a similar indicator for rented real estate.

Do you want to become a shareholder?

Investments in securities (or other financial instruments, which include a huge number of banks, PAMM accounts, mutual funds) are a widely accepted practice these days. This activity is considered one of the types of business.

Replenishing the number of professional investors is not an easy task. This activity is quite complex and requires a competent approach, as well as quite serious training. Proficiency in financial instruments is impossible without a more or less acceptable education in this field, the ability to compare various flows of information, take into account risks and predict the situation.

Investments in securities have certain advantages compared, for example, with bank deposits, in the form of a higher level of profitability, but at the same time, the high risk of losing invested funds sometimes cancels out all the existing advantages. Having decided to plunge into the world of stocks, mutual funds and PAMM accounts, remember that with the exception of long-term loan bonds, stable income is not so easy to achieve here, and the risk of incurring significant losses is always quite high.

Everything can be sold!

A relatively simple and, perhaps, generally accessible option for creating a source of passive income is participation in network marketing. The amount of initial investment, if any, is not too large and rarely exceeds a hundred dollars.

A necessary condition for those who are trying to succeed in this field is communication skills and a willingness to contact a large number of people. In the future, these people - your team - are able to bring in money without your participation by organizing their own network, from which you will receive a percentage of the income.

Do you need a lot of money?

The classic and, perhaps, best way was and remains to create your own business. If this action takes place in virtual reality, that is, on the Internet, global financial investments at the initial stage, as a rule, are not required. That is, this option is available to people with very limited material resources.

Even earning money without investments is quite possible, or you can earn money by accumulating a small initial capital right here, on the Internet.

There are a huge variety of options for starting and promoting your own business, both online and in real reality. In “life,” of course, this requires a lot of expense and overcoming many organizational and legal difficulties. In addition, the competition here is very, very high. But still, by looking around carefully, you can spot your own niche, not yet occupied by your rivals.

What's in reality?

For example, a very promising business with passive income in our time is the purchase and placement in large hypermarkets and other crowded places of machines for a wide variety of purposes - from payment terminals to units selling coffee and pies. Such a business is called vending. A person purchases at his own expense and installs machines, which then provide him with a constant and stable income.

In a short article, we do not have the opportunity to consider all types of passive income - there are very, very many of them. Variants of it are offered to us today by the media, and the Internet has been and remains their irreplaceable source. We want to conclude our material with important tips.

A few parting words

1. At any cost, try to regularly find time left over from your main job, which you will spend on creating your future asset. Constantly think about how to best use it. Your goal is to ensure that earnings from your main job do not remain the only source of money for you. You must find sources of passive income that allow you to make a profit more than once or twice.
2. Don't limit yourself to creating a single source like this. There can and should be several options for passive income, and the more, the better. After all, there is always a risk of losing one or most of them. In this case, losses will be compensated through parallel channels. You can see the importance of this postulate by reading about multiple sources of income from Robert Allen.
3. Don't forget to educate yourself. Knowledge is an asset that will not hurt anyone. Understanding the world of finance, understanding how money is made, where it comes from and where it goes, is no less important than coming up with an interesting idea for investment or successfully being in the right place on time.

The principles of creating passive income do not contain any special secrets. If you are firmly committed to success, have the necessary minimum knowledge and some free time, the result is likely to please you sooner or later.

5 (100%) 5 vote[s]

What is passive income and how can an ordinary person create it? How can you live only on the interest from your investments and never work again? Read about all this below.

1. What is passive income

Passive income- this is a permanent and stable source of income that does not require any time investment (or it is minimal)

The main idea of ​​passive income is to create eternal sources of profit for yourself and then receive money from them on an ongoing basis. That is, we created something once and then we don’t do anything to receive funds. For example, the work we are all familiar with is an active source of income, since payment is made only when the employee goes to work. You need to constantly invest your time.

The simplest example of passive income is renting out an apartment. You are paid monthly rent. In order to receive this money, no further action is required from you.

The sooner you think about creating passive income, the more opportunities you have. You will be able to accumulate more funds faster and more to implement your plans. Most of us dream of creating financial freedom for ourselves and no longer working, but doing what we love.

Benefits of Passive Income

For example, you can put money aside in a bank deposit every month and save a good amount over the course of a year. Over 3 years, this amount will be even more substantial and perhaps even a percentage of it will be enough for you to meet some needs.

3.1. The accumulative effect of compound interest

In mathematics there is such a thing as compound interest. Simply put, this means that over time, your savings begin to grow not linearly, but exponentially. This can be easily achieved by reinvesting the income received.

My wealth is the result of a combination of several factors of life in the United States, good genes and the accumulating effect of compound interest. Warren Buffett

For example, if we deposit 1 million rubles at 10% per annum, then in a year the amount will be 1.1 million rubles. After two years, the account will have an amount of 1.21 million rubles. In the second year, capital increased by 110 thousand rubles, and not by 100 thousand rubles, as in the first year. Even in such a short period of time, it is already noticeable that capital is beginning to work for us even more efficiently.

I agree with those who say that this is insignificant. However, if we take a calculator and calculate what will happen in 10 years, in 20 years, it turns out that the effect is already huge.

To double the original amount of money at a constant interest rate of 10% per annum, it will take not 10 years, but only 7.25 years. It will take 11.5 years to triple.

To calculate how quickly the original amount will double with a previously known interest income, you need to divide 72 by this number. For example, if the rate is 8% per annum, then the amount will double every 9 years, and not 12.5 years as it might seem at first glance.

• Develop your financial literacy. To do this, read books about investing, trading, and the philosophy of wealth. You can start with Robert Kiyosaki and continue with specialized stock market literature.
• Regularly create new assets and reduce liabilities. Look for new opportunities, they are always there.
• Create multiple sources of passive income. You shouldn't get attached to just one.

3.3. Rules: how to become rich from scratch

There is a basic set of rules that everyone who wants to become rich should follow. They are not at all complicated and anyone can do them:

1. Pay yourself. As soon as you receive your salary, first of all set aside some of the funds for yourself (at least 10%). Most often, the population, on the contrary, pays off debts and spends money, and saves what remains. This is a habit of poor people, eliminate it from your life.
2. Save what you put aside. This rule implies that the funds set aside cannot be spent.
3. Increase your money. It is necessary to invest money in reliable assets in order to constantly increase your capital. We will talk about sources of passive income below.
4. Save what you have multiplied. It is best to reinvest the profit received so that your savings grow faster. There is no need to invest money in dubious and overly risky assets.
5. Create multiple types of assets to minimize your risks. Whatever your total reliable income is, it will be even more reliable if you distribute your money among several such sources.

4. Sources of passive income

There are many sources of passive income you can create. It all depends on the individuality of each of us. We all have slightly different knowledge, skills, capabilities, wishes, so only you can decide for you what exactly to do. We will only consider in detail the basic options for stable sources of money. We will focus on a mathematical basis to calculate how profitable each source is.

How many sources of passive income you will have is up to you to decide. I can only say that the more there are, the more reliable and wealthy your life is. Therefore, follow the Pareto principle: 20% brings 80% of the result. Make small efforts across different industries to reap the biggest benefits.

4.1. Bank deposit is a reliable source of passive income

A bank deposit is the most popular means of saving and accumulating funds among the population in Russia. The interest that banks offer is certainly not as high as we would like, but nevertheless, this is really the most reliable way to slightly increase your capital in the absence of any action.

There are a lot of offers on the bank deposit market. Each bank offers its own range of deposits. If you spend literally 10 minutes, you can choose the most profitable one for you. Don’t be too lazy to do this, because there are always lucrative offers in banks where the yield will be slightly higher (at least by 1-3% per annum).

There is no need to worry about the funds being lost. All deposits are insured by the DIA in the amount of 1.4 million rubles (including interest). There is no point in putting exactly 1.4 million rubles in one bank. It’s better to put in a little less to insure the accumulated interest. For example, if we are talking about a rate of 8% per annum for a year, then it would be logical to deposit the amount of 1.29 million rubles and sleep peacefully (at the end of the term the deposit will have 1.3932 million).

The return on the deposit varies due to the economic situation. You should check the relevance of the information. As of 2019, you can find deposits with a maximum rate of 8.5%. In more reliable banks at 7% per annum. These are almost the smallest deposit rates in the modern history of Russia. Previously, there were always offers at 10-12%.

• Investment reliability (amount insured by DIA)
• Predictable income
• No action is required from the investor
• You can invest any amount
• There is no opportunity to “break out” and spend money, because... it is necessary to terminate the deposit agreement and then the accumulated interest will “burn out”

• Low yield
• It is impossible to close the deposit ahead of time without losing interest
• You cannot store substantial amounts of more than 1.4 million rubles in one bank due to the risks of its closure

I also advise you to partially store your money on debit cards, which give interest on the balance. These cards also give you cashback on any purchase. I use these cards myself:

• Tinkoff. 6% per annum on balance. Amount up to 300 thousand rubles. You can transfer any amount to a special savings account at 5% interest.
• Benefit (HomeCredit Bank). 7% per annum on balance. Amount up to 300 thousand rubles.

To summarize, we can say that it makes sense to have some part of the money on deposits, because... it is a liquid and reliable asset.

4.2. Renting out real estate

Real estate has always been and will be in trend among investors. Such purchases can be visually seen and felt. However, their profitability is extremely low, but first things first.

You can make money in real estate in two ways:

1. Rent
2. Resale

For passive income, the first option is considered, since the second method is more risky and requires a constant search for new good offers on the market.

The following types of real estate investments are distinguished:

• Residential (apartments)
• Commercial (garages, office premises, warehouses)
• New buildings (investments in the construction of new facilities)

Large investors buy commercial real estate more often, since the yield from renting out non-residential premises usually brings more profit, and also does not require any repairs. However, this situation arises only during favorable periods of the economy, when GDP is growing steadily and inflation is within acceptable limits.

It is difficult for an ordinary person to buy commercial real estate due to its high cost. Objects vary, but usually a good location costs 3-5 one-room apartments. Therefore, many would rather choose the option of purchasing 3 apartments than one such property.

Since 2014, the economic situation in Russia has been quite difficult. Real estate prices are not rising. Therefore, many who invested in commercial real estate are now at a loss. Residential prices also fell, but with slightly less losses for the investor.

The rental yield is a modest 4-6% per annum. This is even less than on bank deposits. At the same time, there are still risks of damage to property by tenants and periodically you will have to invest in repairs (rarely, but such moments still happen).

Real estate will rise in price over time, but you can hardly count on it, since this is an extremely long process. For its value to increase, there must be economic growth in the country as a whole. Otherwise, due to salary cuts and high inflation, no one risks taking out a mortgage (most apartments are bought on credit), even with low rates.

• High reliability
• Real estate can actually be seen with your eyes, which is very important for many people
• Stable rental income
• An excellent option for risk diversification

• Low yield
• Low liquidity (when selling, you will have to look for buyers at the average market price, plus another 2-3 weeks to complete the transaction)
• There are overhead costs for maintaining the property
• Large investments (real estate costs several million rubles minimum)

4.3. Investments in securities

The securities market is traditionally considered one of the most profitable options for increasing money. Returns on average are at the level of 8% -20% per annum, provided that you act on the “buy and hold” principle. If you engage in trading, you can significantly increase these numbers and get 30%, and even 100%.

High profitability and greater liquidity allow you to quickly and efficiently manage your capital. Anyone can enter the market, and all it takes is a small investment. I would recommend entering the market with amounts starting from 100 thousand rubles.

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 be impossible 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 automatically copying 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 take a small percentage of the profits, but 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.

Multiple sources of income is a phrase that migrated into our vocabulary from books on personal finance by foreign authors. In this publication, I would like to talk a little about how, in modern realities, an ordinary person can create additional multiple sources of income and what benefits they will bring.

Previously, I always believed that I needed to find a good, well-paid job and work for the good of the Motherland, climbing the career ladder. And I thought so until the company was sold and reorganization began. The new management of the company decided to optimize many processes, and therefore it was decided to lay off some employees.

My career was suddenly in jeopardy. My way of life was under threat. After all, I was used to consistently receiving my thousand dollars, on which I lived as I wanted. I suddenly realized that my stability was in the hands of other people. Their decision depended on whether I would go to my favorite sushi bar next month, whether I would be able to buy new sneakers, whether I would go on vacation.

It was then that I thought about the fact that I needed insurance. Cash insurance. I realized that I needed additional sources of income that would insure each other in case one of the sources dried up.

I began to actively look for such and work on them. Some of these sources lie literally under our feet. But many people don't notice them. Or they don't understand the point.

If you look at everyday things from a different perspective, namely from the perspective of multiple sources of income, you will find solutions to many financial problems.

Basic Concepts

First you need to identify all your money streams, which, when collected together, form your financial river. Personally, I'm a huge fan of this approach to the topic of multiple income streams. And I constantly work in two directions:

• Increasing multiple sources of income
• Increasing the depth (width) of each source of income

Our personal record (mine and my wife’s) for the number of multiple sources of income created is 10. This means that we had ten sources of income at the same time.

Types of Multiple Sources of Income

I propose to get acquainted with them, using my personal example:

1. My main job;
2. Wife's main job;
3. Additional work: Preparation of photo reports for an advertising company;
4. Additional work: Mystery shopper;
5. Own small business (tanning studio);
6. Rental Property;
7. Inconsistent earnings.

And this is what my list of income sources looks like now:

1. Income from Yandex.Direct and Google Adwords contextual advertising placed on the blog;
2. Income from banners placed on the blog (see also:);
3. Income from Nolix advertising line posted on the blog;
4. Income from affiliate programs;
5. Income from webinars;
6. Income from the sale of information products;
7. Income from consultations on developing your own blog, making money on it, investments;
8. Income from coaching and mentoring;
9. Income from the online store MisterSaver.ru;
10. Wife’s income (she recently launched a small project on social networks selling stylish shoes from the USA);
11. Child benefits (for a child, the wife receives social payments during maternity leave);
12. Inconsistent earnings.

As you understand, together all these sources of income bring good income. And most importantly, I am insured. If something happens to one source (it runs out), then I always have a bunch of others that will not let me die of hunger.

Moreover, I have in mind several dozen more options for creating additional sources of income for which I simply don’t have enough time right now. I say this to mean that even if all the listed sources of income suddenly “bend” and cease to exist, then I will begin to earn money in other ways that will replace those that existed.

Where do all these ideas come from?

It's actually simple. Creating sources of income online required me to develop various skills. For example, I learned how to write articles for this site. This is called copywriting, see the article on this topic, which will also teach you how to make money on the Internet by writing various texts to order:

I can also create high-quality contextual advertising. This is also what I learned in the process of creating the income streams listed above. Now I place contextual advertising for my projects. But if something happens to them, I can easily find a job and promote other people’s projects using Yandex.Direct and Google Adwords.

For me it's a continuous process. I'm constantly looking for somewhere to earn extra money. I am always interested in different, new opportunities for obtaining multiple sources of income. This is called increasing the number of sources of income.

Increasing the depth of each income source means working to increase the income from a specific source. For example, if you have a deposit in a bank, then regularly set aside an additional amount of money from your main sources and increase the deposit amount. This will allow you to receive a greater return on your deposit. Yes, yes, you can also earn money on bank deposits.

Today there are a huge number of different possibilities. It's all about you! How lazy are you to take care of your future? I have many friends who have a lot of free time, but use this time poorly. They're just stupidly messing around.

My position on this issue is this: create conditions for yourself to be idle. Create a passive source of income that will more than cover all your current expenses, and then do what you want. That is why I work a lot now so that I can work little later in the future. I understand that except for myself, no one can change fate. There will be more time for rest, but for now I will work. Moreover, I enjoy it

THERE IS NO WORD I CAN’T, THERE IS A WORD I DON’T WANT!

When someone tells me that I can’t or that I’m not like you, I understand that a person simply does not want to change his life and his destiny. This is a person who lives in illusions and hopes that someday the time will come and his whole life will change with the wave of a magic wand. I'm not like that!

Open books, the Internet, newspapers for free advertisements. Chat with friends not about how cool you were drinking all weekend, but about where and how you can make money. Try it, do it

There are no mistakes in life, only lessons. There is no such thing as a negative experience, only opportunities to grow, learn and move forward along the road of self-improvement. Strength comes from struggle. Even pain can be a wonderful teacher. (Robin Sharma, The Monk Who Sold His Ferrari)

How to Create Multiple Streams of Income

Before we begin to create multiple sources of income, we need to understand and decide how to do it correctly, what to spend our energy on at the beginning of the journey, and what on later.

We need to have a map of the area on hand that will help us get from point A to point B in the shortest possible way.

People's time is limited, as well as their strength and resources (by resources we mean connections, acquaintances). If hired work alone takes 8-12 hours a day, then there is simply no time or energy left for anything else.

Therefore you must understand that creating multiple sources of income is an art, which implies having an action plan, the ability to set priorities, a strategy for achieving goals, and many other skills and abilities.

Proper use of these skills turns the process of creating multiple sources of income into an art that is no less enjoyable than participating in sports, going to the ballet, going to the theater, watching a movie, or attending a concert of a popular rock band.

Step #1: Foundation as main work

So where should you start creating multiple streams of income?

First of all, it is necessary move from simple to complex. One of the characteristics of Russian people is that we want to get everything at once. We don’t like to wait, we don’t like to deny ourselves something, we want everything at once.

You need to understand that such a position is harmful and will not give you anything good. Yes, there are exceptions to the rules. However, each case must be considered in detail. And if you have examples where people created a lot of capital for themselves in a short period of time through several sources of income, then you need to understand the details of what helped them.

Often we don't see the real facts that helped people take off. Some received support from family or friends, some found themselves in the right place at the right time, some are not afraid to take risks, etc.

Building Multiple Streams of Income Starts with the Foundation. And most often this foundation is hired work. Working for your uncle is a linear source of income; it can be compared to a shovel. While we are digging, the income is coming in; as soon as we sit down to rest and put the shovel down, the income stops coming. There is also passive income, which, unlike linear income, is similar to an automatic mechanism. Once configured, it then works fully automatically. We'll talk more about passive income in the next section.

For me personally, the construction of my profitable streams began with hired work. I was 20 years old, I didn’t know and didn’t know how to make money.

Pay attention to these words. You need to be able to earn money. And the more versatile you are at doing this, the more sources of income you can create!

When you are 20 years old and you are a student who spent all the previous years hanging on to your parents, is it worth talking about? about the ability to make money? This skill does not exist and needs to be learned. Of course, there are people who start earning money at the age of 15-16, and even earlier.

This is not about this now, but about the fact that if you do not know how to create several sources of income, then start with one. The easiest option in this case is to find a hired job.

Hiring work will be your first source of knowledge about making money and it will give you the opportunity to create some savings, with the help of which you will subsequently be able to create new sources of income. , it was this that helped me find a high-paying job.

As noted above, hired work takes a lot of time, which has a significant impact on the creation of the following ways to earn money. This can be a barrier to building multiple sources of income.

And in such a situation, it would be optimal to turn your attention to such sources of income, which are called passive.

Step #2: Passive Income Sources

Passive sources of income work for you. Having spent your efforts once, then you will only reap the benefits of your activities.

An example can be given. For example, you are employed and you have practically no free time to create new sources of income. You can save a couple of thousand rubles from your salary and...

Then, you can forget about this deposit until the next month, when you receive your salary again and you will have the opportunity to put another thousand rubles into the bank, for example.

That is, as you understand, you do not need to worry about this type of income every day. will work for you around the clock, without breaks or weekends. He will generate new money for you, this is his passivity.

This way you will already have two sources of income, after which you move on to considering the next option.

But when choosing the next way to earn money, you also start from your capabilities, from existing circumstances, such as hired work, family, children, etc.

You can continue to dig further into investments and play with more complex financial instruments, for example. Or look for new ways to make money in some completely new topic, for example, start in your free time from your main job.

As a result, starting with one type of income, from hired work, you need to gradually create new sources of income that will increase your income. Income growth may not be observed immediately. But in any case, your total capital should constantly increase. By capital in this situation we mean not only money.

For example, when I started creating multiple sources of income, for a long time my main source of income was work. For several years, I saved some money from each salary.

I distributed the set aside money to various, among which were,,. Also, I used part of the money to buy something for myself. So I subsequently bought a car.

I had no money saved in its pure form. I had a car, as well as an agreement with financial institutions and statements indicating that I had deposited funds into their account.

In this example, it was not the money that was capital, but what I invested it in. And every day the amount of my capital changed in proportion to the value of the financial instruments in which I had invested money.

The same car was losing value every day. The price of shares rose and fell. The bank deposit increased regularly, etc.

As you understand, I started small, with the first thousand rubles set aside, which over time turned into a million, which I wrote about.

To consolidate our understanding of capital, I will give another example from my own practice. In 2007, I worked as an ordinary manager in a telecommunications company. I worked there for about 3 years, I had a good salary, but there was no career growth.

It so happened that our parent company changed management, which began the reorganization of the entire enterprise. Once my manager called me and warned me that layoffs were coming and I would be one of the first candidates for relegation due to the fact that...

At the same time, the manager added that he would be glad to lay off someone else, since there were less useful employees in our department, but he would not be able to do this, since the head management, in order to reduce costs and not pay compensation, would first of all lay off those people who does not comply with job descriptions.

In general, it didn’t matter to them who to lay off. It was important for them to reduce costs at any cost. At that moment, I had a turning point that radically affected my attitude towards hired work and my entire subsequent fate.

I realized that no matter how good an employee you are, it will not help you keep your job. Your destiny and career will always be at risk.

And then I decided to start my own business, so as not to depend on someone

When I found a business idea that was interesting to me, in order to bring it to life I had to cut off the head of all other sources of income.

I quit my paid job without waiting for the shameful layoff. I sold all mine and took the money out. It turned out to be a tidy sum with which I opened a small tanning studio.

I rented a room where I did some cosmetic renovations. I purchased the necessary equipment. I invited specialists who installed everything for me, set it up and started working for themselves.

Before we continue, I need to make a small digression, since initially we are talking about creating multiple sources of income. then flexibility is needed in this matter. Sometimes there are moments when you focus on one thing. Sometimes you can churn out one source of income after another.

The ideal option is when you create some kind of source of income, which can then work without your active participation. This will make it much easier for you to create one source of income after another. You will have time and money for this.

Life can change. Various circumstances, your principles, outlook on life, etc. may change. The same can happen with your sources of income.

Let's go back to the tanning studio. The first month after the opening, my wife and I worked together in this studio. Then we established a stable flow of clients and calculated that we could very well hire several operators who would work for us.

By hiring two young girls, we began to earn less from this source of income, but we freed up a lot of time, which allowed us to create new sources of income.

Thus, we created a new source of income and built a work scheme in which it was enough for us to stop by once a week for .

Next, I decided to find myself another hired job and combine it with my business. Why did I decide this? Because in that situation I had no other options. I didn’t have the means to create a new business. And any other new source of income requires money one way or another.

The fundamental changes that happened to me earlier told me that this would be a temporary option until I saved up money to create another business or increased the profitability of the first one.

By the way, the tanning studio did not bring me much income. Something around 30,000 rubles. I made about the same amount when I worked as an ordinary manager at a telecommunications company.

I am writing this so that you understand another reason for looking for a job. Many people imagine an ideal picture of the future, one where they don’t have to work, where they have enough money to live happily. I'm not an exception. But as you understand, a business income of 30,000 rubles will not allow you to realize this ideal picture of the future.

At the same time, the business I created gave me a great sense of calm and peace. I had a completely different experience when looking for a job. If earlier, when I did not have such powerful financial support in the form of a tanning studio, at times when I was left without work, then pressing circumstances from all sides prompted me to look for any job as soon as possible.

What circumstances are we talking about?

• Food;
• Paying for a roof over your head;
• Cloth;
• Transport;
• Opinion of others;
• Etc.

When a person does not have money to support himself, he will clutch at any straw. After all, every person has a list of some kind of financial dependencies.

We all eat and drink every day, we need to pay or rent an apartment, we need to somehow get around on business. No less important is the pressure others put on us. After all, when we are not working, we have to get money from somewhere and most often on such days we live off the funds of our relatives, who soon begin to look at us wryly if we cannot find work for a long time.

All this leads to the fact that we are in a dependent position when looking for work. We don’t choose work, but work chooses us.

When you have some additional source of income that can provide insurance in difficult situations, then everything changes exactly the opposite. You can calmly search for the job option you need. It is no longer your job that chooses you, but you who choose your job and can dictate your terms to it.

This is what happened to me at that moment. I firmly decided for myself that I did not want to work as an ordinary specialist. I wanted to take a leadership position. I had many reasons for this:

• First, executives get paid more.
• Secondly, managers have greater freedom compared to subordinates. Ordinary employees have to coordinate their every step with their manager. The manager can determine his own work plan. I needed a greater level of freedom in order to control my existing business.
• Thirdly, I needed experience managing people. Since at that time I already had two operators in the tanning studio, I was actually already the manager. Therefore, I wanted to develop my skills and abilities in this area.

As a result, I was hired...at a bank! And not just anyone, but the head of the lending department.

We were selling bank loan products. I had about 6 people subordinate to me.

Thus, the tanning studio brought me about 30,000 rubles + hired work gave me about 45,000 rubles more. At that time I was already married. The wife earned about 25,000 rubles more. In the same year, we took out a mortgage for the apartment, which we began to rent out, which brought us about another 18,000 rubles, but this money can not be counted, since it was used to pay off the loan.

All these sources of income allowed us to save about 30,000 rubles monthly. Well, as you understand, we created new sources of income with them: we bought shares again, invested money in mutual funds, put part of the funds in bank deposits, etc.

As you can see, I started creating multiple sources of income from one, from work for hire, brought them to several sources (about 6-8), then in order to create my own business, read a new source of income, I sold and abandoned all multiple sources, which I had before.

Then I again created one source of income, thanks to which I later increased the number of sources of income to 10.

Based on this, we can draw the following conclusion: you don’t need to focus on a large number of sources of income. That's not the goal. We create multiple sources of income just so that we have a positive difference between income and expenses.

It is important that at the end of the month you have extra money left, which can later be used to create additional income, which will allow you to achieve financial independence and freedom.

Conclusion

Most people live paycheck to paycheck. They don't have enough money to live, they're all in . What kind of financial independence can we talk about? Although each of them dreams of not working, living for their own pleasure, traveling, dressing beautifully, in general - not denying themselves anything.

Multiple sources of income will help us with this.

There may be 10 of them, which together will bring you 300,000 rubles monthly, or maybe 1, which will bring you 500,000 rubles monthly.

No need to chase quantity. It's better to chase quality. You can create one source of income, the main thing is that it provides as much profit as possible. It is equally important what kind of income it will be - linear or passive. The priority is passive income, which will free up a lot of time for you. This time can be spent on your favorite things, health, children, hobbies.

When you have extra money, you will still need to put it somewhere. The first option is to spend it all, as most people do. The second option is to invest it in something that will create new money for you.

That is, the model of creating multiple sources of income in the second case is inevitable.

Another purpose of creating multiple streams of income is safety and security. The fact is that when you have one source of income, you take a lot of risk. Once it runs out, your normal life will be in jeopardy.

If you have several sources of income, then you will not be afraid of any crisis. If you are laid off from your main job, you will not starve, as other sources of income will save you.

P.S. I look forward to your multiple sources of income in the comments. If they are not there, then write what you could do in this direction...