All about passive income. Pros and cons of passive income. How to create passive income that is right for you

Many 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 reveal the concept of "passive income" (residual income), talk about the sources of this type of income and describe several ideas for its creation, which I use myself.

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

- This is a type of income characterized by stable cash receipts, regardless of daily activities. Chances are you've come across (or heard of) people living 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 - the income received from the capital that he has placed in a business, deposits, profitable real estate, securities, as well as income from copyrights.

For example, you are an expert in a particular field. So, you can “sell” your knowledge by recording a training course (audio or video, it doesn’t matter). You made a quality course once, and it will always bring you income when someone buys it (this can take more than one year).

With the concept of passive income, we have decided. Now answer the question for yourself:

Why do you need passive income?

Many are attracted by a luxurious life - chic beaches and houses, cars and yachts. And someone treats such a life calmly and is satisfied with what he has. I am one of those people because I understand that a luxurious life is only the tip of the iceberg.

I think the main advantage of building a passive income is that you can free up your precious time for the things you love that you can't do right now because you're "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 - to money" quite often justifies itself. Today it so happened that people with an average income spend all the money they earn without a trace, buy goods on credit and borrow from friends and acquaintances up to a salary or an advance.

Why does it happen that people in their 30s and 40s cannot make money on good life? Now I will answer this question.

IMPORTANT! The thing is, people don't know how to focus on asset creation. capable of solving material problems. It turns out that people drive themselves into financial slavery, which is flourishing today.

In the educational cartoon, which you will find at the end of the article, the basics of personal finance are presented in simple language and the classification of people is given depending on the ability to manage them (which category do you belong to?):

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

2. Kamikaze (financial). Their p a incomes are approximately equal to their incomes, 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 expenses or slightly exceeds them, assets are equal to zero. They usually have no debts, but also savings. They are in the grip 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 expenses, assets are positive. They have no debts or they are minimal, they have savings. But like turtles, they accumulate slowly because they prefer to keep their savings under the mattress, and the most advanced turtles in the bank.

5. Wise men (financial). Their income exceeds their expenses, assets are positive. They differ from turtles in the level of investment. Net asset investments generate passive income for them.

Did 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 strongly advise you to read books on financial literacy by the famous businessman and investor Robert Kiyosaki. And make sure to read these books to your children. 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 - you pay for an apartment, for a school, for a hairdresser, for a concierge at the entrance. You are giving away your money to everyone, but not to yourself! This is a fatal mistake for everyone who has not yet built a passive income.

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

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

Can't believe?! Look at the screenshot: a deposit at 12% with monthly replenishment in the amount of only $30 ($1 per day) with a monthly capitalization will turn into 2.7 million hryvnias or 7 million rubles ($108,000). And it's only $1 a day.

TIP #2. UNDERSTAND that the one who works all day has no time to make money!

John Rockefeller said: "He who works all day has no time to earn money!" Consider his words.

Indeed, working at an enterprise, in production, in an office, no matter where, people earn on “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 use.

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, he may go to shops, cafes, and at home - dinner and TV. Naturally, such monotony does not set you up for progress in the future, especially if you take into account that many earn money by doing what they don’t really like to do.

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

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

The well-known financial literacy specialist Robert Kiyosaki, whom I mentioned above, DETERMINED WEALTH BY THE LONG 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 permanent passive income.

There are several versions of the Cashflow game - 101, 202, 303 and 404. Each of them teaches the skills of investing, building your own business and competent handling of personal finances. Don't think it's 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 big business.

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

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

IMPORTANT! I think you have already understood that in order to build a passive income, the first thing you need to do is learn financial literacy. Neither 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. Further we will talk about this. You just have to choose the method that suits you.

Many are not satisfied with the fact that they have to wait (months, years). But we need to get out of this psychological trap. Think about it, the working age lasts 25-40 years, ending with the 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 what you don’t really like, but securing financial independence for ourselves is “beyond our strength.” But you will have the opportunity to retire much earlier than the period set by the state (not at 55 or 60 years old, but at 35-45).

Are you sure you want to create passive income to have more free time at your disposal? Then begin TODAY to act decisively in this direction. Decide and act!

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

There are 4 types of passive income:

• investment (financial),
• intellectual,
• marketing,
• legal (relying on the 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 how you can provide passive income.

1st view. Investment (financial) passive income

It is created in case of investment (investment) of funds in certain financial instruments, objects. From the investment, we receive a certain amount in the form of interest or profit.

Sources of income can be:

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

2nd view. Intelligent passive income

Sources of income can be:

• Author's fee;
• Patent for an invention (technology)

If you do not like the idea of ​​creating an information product yourself, you can earn income from the promotion of other people's information products through affiliate programs. I myself receive income from this online business. I consider Evgeny Vergus the main expert in making money on affiliate programs. You can immediately start earning in the process of studying his course "WORKSHOP OF PARTNER SALES". You can easily reimburse the cost of the course by studying the course and earning at the same time by advertising affiliate information products. *

3rd view. 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 that is rented out (rented). One or more options are possible.

Personal branding involves using your name for commercial purposes.

For example, screen and sports stars are often involved in the filming of commercials, thus becoming the "face" of a particular brand or company. For using their name, they receive decent fees.

In this case, the 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 view. Legal passive income

I think there is no special need to dwell on this species. I will only note that these are payments that are due to you “under 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 its creation.

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, know the basic principles of marketing, then you can organize passive income, practically from scratch. It is not for nothing that the organization of passive income using the Internet is becoming more and more 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 website even if you don't have 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 make your site ready for filling. Here is the link .

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

Do not be mistaken that by creating a site, you have done everything necessary to receive passive income, and now you can “sit back”. Not! To turn the site into a full-fledged "money machine" you will have to work on it for 1-2 years. But you will start receiving the first money within a few months after the start of the project.

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

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

The arithmetic is simple: If your site 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 websites that generate income and organize your business in this way.

Ways to make money on your site:

• placement of contextual advertising;
• placement of paid advertising articles;
• sale of advertising spaces;
• placement of affiliate links;
• sale of own training courses.

2. Intelligent product

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

Consider an example of passive income, when an intellectual product (a book) made the author a millionaire. Today, perhaps, it is difficult to find a person who does not know the name of JK Rowling. But it was the Harry Potter books that brought her a multi-million 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, which, without 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 options for passive income. For example, construction, commercial or industrial equipment and other expensive items. Especially since passive income from real estate is often lower than from equipment.

For example, when 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 a tool for 100 - 500 rubles per day. The tool will pay for itself short term(less than a month).

4. Securities, pamm-accounts, banks, mutual funds

One common way to create passive income is to invest in financial instruments.

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

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 a stable income (excluding bonds). The risk of losses is great. Learn it!

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 can be called sociability. Because in this case, you will need to be able to communicate with people, win them over, ensuring the friendly nature of communication. The main thing is that you do not fall into the 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 don't have big enough finances, the network can provide start-up opportunities with little or no investment. Thus, your income will gradually turn from "active" to "passive".

The most difficult step towards your business is the banal adoption of a final and irrevocable decision. It is best to start with a simple business without investments. With organization ideas business without investment for beginners entrepreneurs read . The information in this article will help you organize your business and create passive income from scratch.

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

5. Recommendations and tips for gaining financial independence

You have already got 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 get started. Once you make up your mind and start taking action, you will have the opportunity to gain financial independence, leave your “unloved” job, start traveling and doing what you have been dreaming of all your life, such as charity.

1) Take the time to build assets.

Don't limit yourself to income from your main job. Think about what you can do to make it 1 time, get money many times - replicate your efforts!

I hope that you do not aspire to a “beggarly” existence, which, unfortunately, a pension can provide.

2) Strive to organize several sources of passive income.

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

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

3) Improve your financial literacy

Self-education is the first thing you should do! Invest in yourself! I recommend that you carefully read books that are considered fundamental: Robert Kiyosaki "Rich dad, poor dad" and Bodo Schaeffer "Money or the ABC of Money", - they will help to better understand 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 the desire, time and certain knowledge.

Watch this educational cartoon about passive income so that all the puzzles fit into a clear picture and there is confidence to start moving towards creating passive income. You should start with self-education in personal finance. It is also important to pass this knowledge on to your children!

I wish you all confidence and determination!

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

Write in the comments which category of people in terms of finances you belong to and did you manage to move to a category closer to the 5th?

Subscribe and get the most interesting blog posts - subscribe below. When you subscribe, you will receive for free the first biography of Elon Musk - one of the leaders in financial literacy at the present time.

Constantly and most importantly guaranteed, getting a certain income every month is the dream of any investor. Money works without your participation and any effort and brings more more money. How to achieve this? Answer - you need to know where to invest money. Of course, the amount of profit will directly depend on the amount of invested funds. And let's say, for novice investors, the profit received from their investments will be relatively small. But you need 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. In law - over time, even the most modest capital can turn into a rather impressive amount, the profit from which will give you a significant financial flow in the form of a monthly income from the placed funds.

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

We buy with different coupon dates. It is on these dates that you will accrue profit. You can build a portfolio of bonds in such a way that monthly profits will be credited to your account. Usually the duration of the coupon is 91 or 182 days. Every 3 months or half a year, the profit from the purchased bond will go to your account.

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

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

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

Of course, the profitability 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% during the year, both up and down. At the beginning of the year, the shares of SurgutNeftegazP cost almost 50 rubles apiece, then the price fell almost 2 times within six months, to 28 rubles. Considering that the yield on average is 10% per share (at a price of 45 rubles) or 4.5 rubles, buying at the “day” at 28 you would secure a future yield of 17% per annum. And if the company's profit continues to grow, then the annual yield will easily exceed 20%.

Advantages. Having bought a "piece of business" in the form of dividend shares, you will be entitled to count on a share of the company's profits. You can find, thereby obtaining even more annual profitability. With the development of the company, profits will increase, which means that dividends will also grow.

Flaws. Uneven distribution 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. Purchased shares can significantly fall in price. But if you are aiming (several years), then it 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. So, of course, the overall profit will decrease, but you will greatly reduce the risks when investing.

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

Passive income: a general concept!

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

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

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

Unfortunately, not all types of passive income can provide such freedom. Most often, available sources such as bank deposits or rent from real estate, bring the owner a stable increase in basic income. However, there is no need to talk about living luxuriously solely on these cash receipts.

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

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

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

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

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

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

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

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

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

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

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

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

You can rent out housing in any condition: with repair, without repair, for a long time or for a day - the differences will be only in the amount of future passive income. But the fact that there is always a demand for rental housing is 100%. Now you don't even have to worry about looking for tenants. Agencies and private realtors have flooded the market so much that they will gladly and completely free of charge take up the search for guests for you. In most cases, the tenant pays the commission for the services.

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

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

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

Option #2: Passive Business Income!

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

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

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

Option number 3: Copyright and passive income!

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

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

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

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

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

Option #4: Passive Software Income!

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

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

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

Option #5: Passive Blogging Income!

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

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

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

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

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

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

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

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

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

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

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

Passive income from mutual funds: advantages.

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

Disadvantages of investing in mutual funds!

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

Option number 7: Passive income classic - bank deposit!

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

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

Bank deposit in money or precious metals cannot be named effective method investing is more of a way to save your money. Passive income from such investments will be negligible.

Option number 8: Trust management in financial markets!

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

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

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

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

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

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

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

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

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

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

Conclusions.

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

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

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

How To Create Passive Income That's Right For You!

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

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

passive income methods. Top 15 ideas for quick money!

Today we will consider a fairly large number of ways to receive passive income that will suit all categories of people. Everyone will be able to choose several ways of the most interesting and suitable specifically for him.

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REIT investment. Money work for you!

REITfunds are a type of mutual funds. The main direction of such organizations is work with foreign real estate. The principle of operation is quite simple:

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

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

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

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

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

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

Minimum costs! Create your own blog

The previous method requires you to make a financial investment. But what if you simply physically have no way to tear off part of the funds from the budget? You can try to create your own blog and lead him.

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

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

If you manage to interest readers and get a permanent audience. Then you can start monetizing your blog, there are a lot of ways. It can be both direct advertising integrations and displaying advertising banners.

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

This way of getting passive income is suitable for those who have something to talk about, who want to write and who have time for this. In any case, the method is very interesting and attractive and does not require any cash costs at the start.

bank deposits. Income deposits

If we talk about passive income, then it is impossible not to touch on the most popular and most affordable way - bank deposits. Almost everyone has their own bank deposit: salary cards, credit cards, savings for a rainy day. Only now Russian banks have begun to introduce such a thing as an account balance. As a rule, it fluctuates around 2-3% for ordinary debit accounts. This is an extremely small amount, let's consider whether it is possible to get higher interest from banks.

You can get them, and they are available on special profitable deposits. Yes, there are a number of restrictions on such deposits, for example, simply withdrawing your money at any time may not work, you should always remember this. Let's see what kind of passive income you can get from such bank deposits:

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

In general, bank deposits are a fairly reliable way to get a stable income. But when compared with REIT funds, in order to make a profit at the level of mutual funds, you need to invest much more money.

Popular Internet way! Create your own video blog

A little higher, we examined the possibilities of a text blog, but video blogs are no less popular on the modern Internet. Unlike their textual variants, they require a much more serious approach:

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

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

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

Highly liquid shares. Investment

Speaking of passive income, one cannot fail to mention securities, and more specifically, shares of companies. A lot of films have been made, a huge number of books have been written. And in fact, anyone can earn on highly liquid stocks.

The principle of earning is quite simple. Such companies have a high capitalization, while showing constant stable growth, thereby ensuring an increase in the price of their shares.

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

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

Get a good shot! Earnings on photos

This may seem surprising to many, but you can really earn money from your photos by receiving passive income. It should be understood that your family photos can be very good, but no one will pay for them. First of all, we are talking about professional photographs.

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

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

Renting out real estate. From passive income to reliable investments

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

• - Rent out real estate that you own. Most often these are apartments inherited.
• - If you have a large amount of free funds and can invest them in the construction of new real estate or buying on secondary market. In the future, it is also rented out, and you receive passive income.
• - Sublease work. Here the principle is quite simple: you can rent large areas and rent them out in parts on more favorable terms. For example, renting a floor in a shopping center and renting out shopping pavilions separately. In the case of residential real estate, this has a slightly different connotation. The apartment is rented for a long time, and rented by the day.

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

If we consider the option of subleasing, then calling it a full-fledged way of passive income will not work, since you will need constant work: finding customers. This can already be considered an active business. But with a successful scenario, this whole process can be minimized.

Income at the limit of risk! Earnings on bets

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

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

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

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

Not knowing one of these points can lead you to lose all your savings. In addition, you need to have a large enough amount to be able to safely work with betting surebets. But for a knowledgeable person, this can be a good source of passive income.

Credit funds. Loans to organizations and individuals

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

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

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

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

Creative flight of thoughts! write a book

Is it possible to receive passive income with the help of your creativity - definitely, yes. You don’t have to go far, just remember the author of the book “50 Shades of Grey”. I want to remind you that initially it was a fan craft based on Twilight. But over time, it grew into an independent work and received a multi-million audience. And the author has multi-million dollar royalties.

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

The next step is to work with publishers. With successful publication on Internet resources, you yourself may be offered to publish in print, as was the case with the Metro 2033 book, but in most cases this will be an independent search for a publisher.

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

Bonds. Long term passive income

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

That is, you will have securities on hand that have their own value, while you will receive fixed interest from them. In fact, the pricing mechanism is quite complex to calculate. But before you buy bonds, you need to carefully study them, as they are of several types:

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

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

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

Become a teacher in your favorite field! Create your own online courses

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

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

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

Currency speculation. Forex trading

Buy low, sell high is a basic principle that applies to any kind of trading. But he acquired his ultimate form in the Forex currency market. Many have heard and know very well how such a system works. But for those who don't know, let's give a more detailed explanation. Unlike banks, where the exchange rate is fixed for a day, in the Forex market all changes in rates occur in real time. During the day, one currency can manage to go a few points into plus, and then sink by the same amount. It is on this difference that the earnings of speculators are formed.

You can trade for the long term, you can constantly engage in speculation during the day. But the Forex market lives according to its own specific laws, in order to learn how to consistently trade in a plus, you need to study it for a long time. In order to make your income truly passive, you can use the services of professional traders. They will take care of your account, trading currencies for you, while receiving a pre-negotiated reward.

Speculation in securities. Price difference income

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

• - engage in speculation yourself;
• - entrust it to a professional broker;
• - invest in mutual funds specializing in working with securities.

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

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

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

Invest in a young business! Venture investments

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

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

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

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

The first option implies the possibility of making a big profit if the project "shoots". However, independent investments involve a much higher risk.

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

Conclusion

We reviewed 15 various ways receiving passive income. Some of them are very reliable, such as REIT funds or bank deposits. Others have high risks, but can bring big money. And the third are aimed at the realization of creative potential. In any case, passive income at an early stage involves time or financial expenditure.

By popular demand from readers... So get ready, pour yourself a cup of tea or coffee, sit back - this will be a voluminous, but very useful, article! 🙂

How would your life be different if you were earning a few hundred or thousand dollars a month and not actively working?

Maybe you'd do business that you have always dreamed of. Maybe you would travel the world more. Perhaps they would move to live in another country with a better climate and quality of life. Someone would spend more time with their family and take care of their health more. And someone would combine all the above! And passive income just allows you to realize these ideas.

The idea of ​​passive income is so attractive for people all over the world precisely because it allows a person do more what he likes and minimize what he doesn't like.

Clarification

I want to immediately clarify one point - I have not seen a completely “passive” income. Almost every passive income requires some work, at least in the beginning, after which it can generate income for a very long time without requiring your active involvement.

So, let's look at the main types of passive income.

Rent out property

You can purchase residential or commercial real estate for rent, or you can rent out the real estate you already own (for example: an apartment, a house, a cottage, a garage, a basement, an attic, etc.). You can even rent out part of your home (for example, one of the rooms, using the service . You can freeze and pass through).

Rent out your home and move into a rental property yourself

Don't want to share your home with anyone? You can rent out your own, more expensive housing, and also rent another, but cheaper one yourself. The difference in these rents will be your additional passive income.

Sell ​​accumulated trash and junk

If you think that these are pennies that are not worth wasting time on, look at how my wife and I for thousands of dollars! Many of these things were kept from student days and littered our house for years.

Turn your car into a source of income

You can rent your car to taxi services, or you can use it as an advertising medium. Similar services have long been present in large cities.

Deposits

Deposits are one of the easiest and understandable way for the population to save money and earn passive income. It's simple - you give the bank your money for a certain period, for which the bank charges you interest. The return on deposits is usually low and does not cover inflation, therefore, this way of earning is only suitable for short term strategies.

If you know a subject (no matter what topic!), write an e-book and sell it on your website or on e-book marketplaces. Writing a book takes from a few days to 2-4 months, but when you write it and place it on book sites, it can provide you with passive income for years.

Create a video tutorial

The idea is the same as with the e-book. If you are an expert in some area, record a training video course and sell it on special educational platforms (see below). full list platforms for creating video courses ) or on your website.

Create or buy a ready-made online store

If you already have products for sale or you know how to organize supply, distribution and delivery, it's time to think about your own online store. There are services that allow you to put delivery, storage, accounting, sales, payment acceptance, discounts and promotions, and even marketing on the machine.

Start your own YouTube channel and earn from ads

You can shoot simple videos (including on a mobile phone) - music, educational, comedy, movie reviews, equipment - anything!YouTube will show ads to people before or while playing your videos, and you will receive money (with monetization enabled and AdSense connected).

Earn from ads on your site

If you have your own site, you can (should) enable ads (AdSense or any other). It's done different ways(read online) and generally very simple. People come to your site, read or watch something, and ads are automatically shown to them. You get paid for views and/or clicks from your readers. See examples of advertisements at . Subscribe to my articles to see how it works in articles :).

Credit card bonuses - No No No!

My readers are well aware of my opinion on plastic cards - do not be fooled by the settings “I pay off my card debt every month” or “I earn miles or cashback” and other nonsense. Just ask yourself the question, from what .... Does the bank give you free money, miles, cashbacks and other goodies? 🙂 I explain in detail here: In a nutshell, try to get rid of this source of “income” because. in the end, you will lose much more than you will earn. Trust the man who had over 20 mega cool cards))) Also read and watch:

Do you love photography and are you good at it? Then you can sell your pictures or videos through photobanks such as Shutterstock, Depositphotos and iStockphoto You will earn a percentage or a flat rate for every photo or video sold through these photobanks. You upload your photos and videos to one or more platforms, and this is where your active actions end.

Microloans - NO NO NO!

Microloans are a disgusting tool for robbing financially illiterate and desperate people. People take a small amount “before salary” at 100-200 or more percent per annum, thinking “Just think, the interest will be only 500-1000 rubles. It's just a penny." There are platforms that offer you to become a lender and receive a certain percentage of it. I will not give links. categorically against earnings, which drives other people into the financial abyss.

Accelerated repayment of loans and debts

Every penny you pay into the bank is a penny that could (passively) make money for you! Debts, like termites, devour and destroy the financial well-being of the family. It is important to understand that for each dollar (ruble, etc.) returned earlier than the schedule, interest will not be charged (months or years in the future) and all these months or years you will be able toearn interest yourself instead of paying it to the bank.

Example: If instead of a 20-year mortgage, in the amount of 3 million rubles. (~ 50 thousand dollars. This is a studio or odnushka in St. Petersburg), taken for 20 years, at 12%, set aside the same money that you will pay the bank monthly (monthly payment will be 33 thousand rubles), at, say, 8% - in 20 years you would have accumulated an amount approximately equal to 20 million rubles (~ 300-350 thousand dollars) due to ! This amount would be enough to provide you with an income of between $1,500 and $3,000 for the rest of your life. per month! With such an income, you could live well in any country from east to west! By the way, this amount would put you in the 5-10% of the richest people on the planet! Check it out .

Change jobs

If you are sure that you are being paid below the market, go for an interview and change jobs! Thus, for many years you will provide yourself with additional income in the form of the difference between the old and new salaries. This can be very scary to do, because. we, people, get attached to the team, to the work performed, to the status, to various bonuses, to stability, etc. We are afraid to take risks and change something. However, every fear has a price! If you're losing hundreds or thousands of dollars a year, it's time to stop being afraid and start taking action!

Ask for a raise

You can change jobs to a new one, or you can ask for a raise. If you find out (and you don’t just think so) that you are objectively worth more, if you bring value to a company that you can evaluate and show to management, if you are not easy to replace, ask for a raise. Read: .

Get everything from the state!

Take everything from the state what it provides by law. You may not pay (that is, you will return this tax to your family) the tax for purchased real estate (up to 260 thousand rubles or 4,300 dollars), for mortgage interest (390 thousand rubles or 6.5 thousand . dollars), for education and treatment, etc.

My wife and I, for example, used tax deduction when buying real estate. This returned 130,000 rubles (more than $5,000 in old money) to the family. We received all possible benefits for children, including maternity capital (450 thousand rubles or 7.5 thousand dollars).

In addition, you can getsubsidies(compensation) from the state to pay for public services, to create / develop a business, payments to mothers under certificates " Maternal capital", try to get affordable housing (for some categories of citizens),social benefits for the birth of a child, etc.

You can buy a blog or a ready-made online business

Thousands of blogs are created every year and online businesses, and many of them are abandoned after some time. If you can find and purchase a blog/online business with a sufficient flow of visitors, then you can make good money from it. Blogs typically sell for 24 times your monthly income, giving you a 4.2% (100/24) return (usually in dollars) - which isn't very much, but not very low considering dollar deposit rates in banks. Plus, a blog or Internet business can be developed and earnings increased.

Participation in reviews, clicks and other online manipulations

Many advertisers pay money for certain actions on the Internet, such as: click on a link, leave a review, like, repost, fill out a form, etc. Accordingly, there are services (ex. seosprint, v-like.ru, socialtools.ru, sarafanka.com, prospero.ru, smmka.ru, etc.), which can automate the process and connect advertisers with people who want to earn in this way. However, such earnings can be called passive only conditionally.

Stock

The action is A security that gives its owner the right to a share in the company and to receive part of the profits in the form of dividends.

Shares of companies can be bought through a broker. The entry threshold is usually very low. Earnings will consist of two components - the growth in the value of the share (bought cheaply and sold more expensively) as well as dividends that companies (though not all) can pay to the owners of their shares. However, I do not recommend that non-professional investors buy stocks in single companies, because. without significant experience and knowledge, such purchases will be similar to casino bets. The best solution for an inexperienced investor, there will be mutual funds or structured products offered by brokers. Such funds/products include many shares, so a sharp drop in the value of one share will not significantly affect the fall of the entire fund/product.

Bonds / bonds

A bond is a fixed income bond.In essence, it is a loan agreement between a lender (usually national governments, municipal governments and private companies), under which you lend a certain amount, for a certain period and at a certain percentage.

The riskiness of this instrument usually very low, but the yield is also low. However, you can (often) earn more on bonds than on bank deposits. You can also buy bonds through a broker, but the entry threshold can be high, from a couple of thousand dollars.

mutual funds

mutual funds or Mutual Investment Funds are a kind of pool of money from a large number of investors (like you, for example), which is managed by a management company in order to increase the value of this fund.

Mutual funds can be chosen for every taste- industry, "blue chips", etc. The value of your share (the part you bought in the fund) can go into a deep minus and grow rapidly upwards. Therefore, this is a long-term instrument, for investing for 5-10 or more years. The entry threshold can start from several tens of dollars or thousands of rubles.

ETFs and index funds

In developed Western markets(for example, the American or European stock markets) you can invest in ETFs ( Exchange Traded Funds ) or into index funds (the same ETFs linked to a specific index). These instruments, as a rule, are tied to a certain type of assets (for example, “blue chips”, stocks of fast-growing companies, companies in the oil sector, the stock index of the largest American companies (for example, the S&P500), etc. There are a great many of them and you can choose for every taste and attitude to risk!

There are also ETFs on the Russian stock market, incl. denominated in dollars, but the choice is monstrously small (there are about 15 of them at the time of this writing).

You can buy these instruments (in Russia) through brokers, which provide access to foreign markets and instruments.These are very cool tools., allowing you to earn from 5-10 percent or more in dollars and get rid of the country risk, which is very important for you and me 🙂 Like mutual funds, ETFsthese are long-term instruments designed for investment for 5-10 years or more. The entry threshold is from a couple of hundred to several thousand dollars. These are my favorite passive income tools!

“A dollar saved is a dollar earned!” B. Franklin.

Perhaps none of the methods described above suit you, but there is one way to make money that is available to everyone! it . Saving money is unpleasant. However, saving is "smart" when you save money but do not noticeably change the lifestyle you are used to - even exciting and reckless. Hundreds of Smart Saving Ideas .

Investment in yourself!

In all my materials I write and say that money is always a tool (like an ax, a hammer or a brick), but not an end in itself. Therefore, the most inexpensive investment with the largest short-term and long-term returns are investments in yourself, such as:

- investment in relationships with spouse, children, relatives, friends. For example, a bad marriage can put an end to all your investment desires for years and decades and ultimately ruin you. What are you doing to keep your relationship alive?

– investment in health- these investments bring income, ranging from savings on the costs of doctors and medicines, and ending with the fact that healthy body it greatly affects the health of the “brains”, your thoughts, mood, motivation, which, in turn, affects everything, including the ability to earn more and invest better. See how I play sports for free.

- spiritual development- we usually leave this aspect to the very end, although in life it is almost the most important. Your spirit, your mood, your attitude towards life and other people, your life goals affect everything!

What type of passive income to choose?

None alone!None of the tools described above in isolation will be the right and good solution for generating a confident and reliable passive income. Remember - “Don't put all your eggs in one basket”! As a rule, it is necessary to combine several the tools described above. Something like - part of the assets in cash, part in bonds, part in real estate, part in mutual funds / funds or structured products. At the same time, part of all assets must be in national currency, and part must be pegged to (eg, to the dollar).

Test before invest!And one more thing - so that you do not choose - "test before invest" & "try small" - which means - "test, then invest" and "try on a small scale." You do not need to buy one instrument with all your money (for example, shares of a company or a mutual fund) that you have not tried before. Buy it for a small amount, try it, make sure everything works well and further increase your investment in this or that tool.

Break the risks in time!An additional strategy might be to enter one or another instrument gradually - for example, to buy such and such an ETF for a certain amount every month. This will help you reduce (but not eliminate) the risk that you will fit into a bad instrument and lose money.

When should you start creating passive income tools?

The earlier the better! Preferably from school, student life, or at least the first job. But, if you didn't then, it's never too late to start doing it. It's just that the earlier you start, the more powerful (instead of you) compound interest will work, whose strength grows like a snowball, only after a while. Read the amazing story of Susan, Bill and Chris and you will understand what I mean.

BUT! There is one limitation.I recommend that you start investing only AFTER how you pay off all debts (except mortgages) and form the size of 6 monthly income (or expenses, if it's easier for you :). And only after that it is possible and necessary to engage in investments, earning money, etc.

One of the most effective tools for solving these two tasks (get rid of loans and form a Fire Reserve) is.

Conclusion

As you can see, there are many types of passive income. Some of them are very easy to understand and cheap to enter, some are a bit more complicated and more expensive. Don't limit yourself to one instrument, and don't try to fit into too many of them.

The main thing is not to "sit" forever in the asset, who earns less than inflation (like cash under the pillow or money on deposit), and learn to invest their money in profitable (and passive) instruments. And then, one day, your passive income will start earning more than active income, and you will be able to do what brings you joy for the rest of your life!

Will be useful!

Call to action

What can you do right now? Two things:

First.On your own or with help, make your family's annual budget, set yourself the goal of "fast-tracking all debts except the mortgage" and "forming a Fire Reserve" of 6 months and make these two goals part of your budget.

And the second!Meet 2-3 major brokers in your country and city and ask them to tell you about the tools described above, taking into account your financial capabilities and risk appetite. This conversation will be very useful and will charge you with the necessary motivation to engage in passive income!