Reliable passive income. How to create passive income from scratch. Investments in securities

From the article you will learn what passive (residual) income is, what sources of passive income exist, as well as a description of practical ideas on how to create it

Hello, dear readers. Eduard and Dmitry are in touch.

If you are interested in the topic of making money, then you are probably familiar with the concept of “passive income”.

The dream of many people is not to work and still get paid.

If you are one of those people, then this article is for you! Every day today people create this type of income, and the easiest way to create it is on the Internet.

We will consider all the methods described below in the form of an overview, and which one to choose to build your financial freedom is up to you to decide.

1. What is passive (residual) income?

Passive income- income that does not directly depend on our labor costs and comes to us in the form of a stable cash flow.

This type of move clearly illustrates the motto “ Do it once - get it 100 times».

So, for example, you can make money by selling your own knowledge by recording your own educational video course on a topic in which you are well versed. You create such a course once, and then it brings you passive income due to the fact that it is sold many times.

You've probably heard that there are people who have not worked anywhere for years, but live only on passive income, for example from investments. They are called rentiers *

Rentier- a person who lives on interest or dividends, usually from financial assets, renting out property or the products of his intellectual labor.

When we see on TV or in photos gorgeous beaches with yachts, expensive hotels, houses and cars, then one way or another we associate all these things with great wealth and financial freedom.

Passive income is the best way to start living the life of your dreams, travel and manage your time as you wish while everyone is working.

2. Why do the poor get poorer and the rich get richer?

If you look at the life of an ordinary person 30-40 years old, in most cases he spends everything he earns, often has a lot of loans or borrows “a couple of grand” from friends until payday.

All this happens because he does not focus on creating assets that would help solve his financial problems.

Financial slavery flourishes in the 21st century, despite the fact that physical slavery has long since sunk into oblivion.

Here it is worth remembering a wonderful quote from John Rockefeller, the famous American billionaire:

Anyone who works all day has no time to earn money!
John Rockefeller

This is true. After all, people become millionaires in their free time from work, and at work people usually earn money only to cover immediate expenses.

Thus, it is worth understanding that our main asset is time, and rich people know how to use it well.

After all, if you look at the ordinary day of an ordinary person, we will see a picture that repeats itself day after day: in the morning - to work, in the evening - from work, cafe, beer, TV.

At the same time, such a person’s progress in the long term is minimal, especially considering that the majority do not like their work and their income practically does not grow from year to year.

The difference between the rich and the poor is what they do in their free time.

It is the correct use of time that is the key to achieving wealth and passive income, as one of the tools of financial freedom.

After all, in order to create passive income, need very good actively work. Most often, several months or even years. But after that you can quit your job and become a wealthy person.

According to the famous businessman, investor and financial literacy specialist Robert Kiyosaki, wealth is determined not by the size of your bank account, but by TIME, during which a person can not work, maintaining a comfortable standard of living.

In order to understand how you can turn your time into a source of constant passive income, break out of the “rat race” and gain financial freedom, we recommend that you play Robert Kiyosaki’s world-famous financial game “Cash Flow”.

3. Sources and types of passive income

Surely you are eager to find out how you can create passive income and from what sources it can come. Below you will find answers to these questions.

All you have to do is choose the method that suits you and work on it.

It’s interesting that most people say: “But several months or years is a very long time, I’m not ready to wait that long.”

This is the psychological trap. After all, people’s working period usually lasts 30-40 years, after which they receive only a pension and this, without exaggeration, “handout” becomes their only source of existence.

It turns out that we can work for 30 years in a row (in most cases at a job we hate), but we don’t have the patience to take care of our financial future and retire not at 55-60 years old, but let’s say at 30 or 40 years old. enough.

There is no need to deceive yourself, because if you have definitely decided that you want to create passive income and have more free time, then you need to take decisive action to change your life!

That was the introduction, and now to the tools and types of creating passive income.

There are only 4 main types of passive income:

Let's look at each of them and see through which instruments you can earn passive income within each type.

1. Investment or financial passive income

It occurs when we invest money in various financial instruments or items, receiving dividends in the form of profit or interest.

Sources:

real estate;
Bank deposit;
securities;
our business (when we buy it);
equipment for rent.

2. Intellectual passive income

Occurs in the case of creating an intellectual product and its further replication. The information business on the Internet, known to many, is built on this principle: record your training course once, and then sell many copies of it.

Sources of passive income:

royalties for a published book, song, role in a movie;
patent for an invention (technology).

3. Marketing passive income

Occurs from established marketing systems, such as a commercial Internet site, your network marketing structure, or a personal brand rental*

A personal brand is a set of social achievements of a person that are associated with his person and can serve as a reason for using his name (reputation) for commercial purposes.

For example, many stars of show business, sports and cinema star in advertising and become the “faces” of a particular company, for which they receive a lot of money as a fee for using their name.

Sources of passive income:

own developed structure in a network marketing company;
commercial companies using your personal brand;
your website on the Internet;
a business whose profit is generated from the work of a marketing system (often an information business).

4. Legal (due by law) passive income

To one degree or another, almost all people talk about the three types of passive income described above, but not a word is said about the fourth, which we conventionally call “legal.”

But it not only has a place, but can also become the most easily accessible of all.

You can receive this type of passive income if your life situation allows you to officially receive monetary and other material incentives from the state at the legislative level.

Have you guessed what we're talking about yet?

Naturally, the most famous type of such passive income is a pension. This is a scholarship for students. But the working part of the population in most cases is deprived of such “goodies”.

Sources of passive income:

old age pension, disability pension, military pension;
subsidies (compensations) for utility bills;
subsidies for starting or developing a business;
"maternal capital";
preferential housing for needy citizens.

4. How to create passive income - 7 best ideas

Now you know what types of passive income there are and with what tools you can create passive income.

There are different options for creating passive income, let's now look at the most popular ideas on how exactly you can provide yourself with a regular influx of money without constantly working for it.

Idea 1. Creating a website for making money online

Passive income online is becoming increasingly popular today. If you are familiar with the principles of marketing and have good computer skills, then you can create such an income even from scratch, having only a great desire to learn new things and a certain amount of free time.

For example, now the site HeaterBober.ru, where you are on and reading this article, generates passive income.

Typically, to start regularly earning $1,000 a month from your website, you will need from 6 months to 2 years of regular work on your project, several hours a day.

For some reason, some people think that it’s very easy to make money on the Internet and that by creating your own website, you won’t have to work anywhere else as soon as it appears online.

This is a big misconception. You will have to work very hard on your website, and the most difficult stage here is not to break down, but to achieve regular passive income of 100-200 dollars a month.

If you have (will) have a website that consistently generates passive income, then you can sell it as a ready-made business. Moreover, the amount for which a profitable website can be sold is 20-24 times the amount of its monthly passive income.

So if you have a website that brings in 10,000 rubles a month, then you can sell it for 250,000 - 300,000 rubles.

Thus, you can even create profitable websites for sale and build your own business on it.

It's similar to animal husbandry. You raise a cow and it gives you milk, you can sell it regularly, making a profit, and if you need money in large quantities at once, you can sell the cow itself.

You can earn money on your website in the following ways:

selling links;
placing contextual and teaser advertising;
posting paid advertising articles;
selling advertising space for banners;
recommending to buy a product or service using your affiliate link (earnings from affiliate programs);
selling your own training courses (Infobusiness).

Idea 2. Creation of an intellectual (creative) product

If you have the talent of an inventor, writer or musician, then create your own intellectual product - technology, book or song.

This way, you can earn passive income by replicating them (in the case of a book or song) or renting them out (in the case of technology that can be patented).

For example, the famous writer JK Rowling, the author of the Harry Potter books, now has a multi-million dollar fortune thanks to passive income from her intellectual property.

By creating an “invention,” “industrial design,” or “utility model,” you can also create sources of passive income. After all, it will be yours intangible assets*

Intangible asset- a product of intellectual labor that does not have a material form, but is capable of bringing profit to a person or company by its presence.
Such assets include patents, trademarks, and the business reputation of a company or person.

Idea 3. Renting property: real estate, transport, equipment

Passive income from real estate is the most famous of all rental types of passive income. But there are other ways.

You can rent out almost anything that has value: vehicles, construction, industrial or commercial equipment, and even things worth more than one average salary in your city.

Typically, income from real estate is less than from equipment. For example, there are entire types of businesses where construction equipment and expensive hammer drills are purchased and then rented out.

So a drill or hammer drill worth 20,000 rubles can be rented out for 500-1000 rubles a day! In this case, the payback period for the tool can be less than a month with a large flow of clients.

Idea 4. Receiving government payments in the form of passive income

If you fall into the category of socially vulnerable citizens (disabled person, large family, pensioner, etc.), then you can qualify for compensation payments of both a one-time and permanent nature (the same passive income).

To do this, you need to carefully study the civil code of the Russian Federation or contact the social security service at your place of residence.

You may not know that you should receive thousands, and possibly tens of thousands per month just for being one of the people described above. Don't neglect this opportunity.

Some citizens even pay bribes in order to receive preferential housing or a disability pension, although they are not people with disabilities.

We do not encourage you to improve your financial situation through dishonest means, but if you have a legitimate reason for government financial support, why not take advantage of it.

Idea 5. Investments in securities, bank PAMM accounts, mutual funds

Investments in various financial instruments are also a fairly popular way to generate passive income.

All these financial instruments were discussed in some detail in one of the previous articles: “”

Although they have their advantages, they are not without their disadvantages. For example, in a bank the income will be minimal and will barely protect your money from inflation.

As for PAMM accounts, mutual funds and securities, here in most cases your income will be unstable (with the exception of bonds) and will not be passive.

Rather, by investing in such instruments you can get speculative profits, but losses are also possible. Be careful!

Idea 6. Network marketing

This is one of the most affordable ways to create passive income by investing your time, since most online companies require no more than $100 to start.

If you have the talent to find a common language with different people, you are friendly and full of energy, then feel free to start in this industry and in just a few months your passive income can be compared to the average salary of a provincial city.

The “parable of the plumbing” about two guys Pablo and Bruno illustrates very well the path of a person in the process of building his passive income in network marketing. One of whom worked for money, and the other at that time created a profit-generating system:

Idea 7. Own business

A great way to create passive income is to organize your own entrepreneurial project.

If you do not have sufficient funds to open your business or do not want to risk money, then the best way for you to organize your business is an online business.

Yes, today thousands of people earn big money on the global network.

If you think that starting a business is the best solution in your case to create passive income, then you should definitely read our articles on this topic:

Thanks to the information from these articles, you will be able to organize your business from scratch in the shortest possible time and subsequently turn it into a stable source of passive income.

For those who want to open their own business with minimal risks, we offer an alternative option: purchasing a franchise, a chain of restaurants serving Japanese and Pan-Asian cuisine.

Why this project? The answer is simple: our good friend named Sergey has already opened a restaurant under this franchise in Maykop and now has a stable profit. The 1.5 million he invested paid off within six months - an excellent indicator for a city with a population of 140,000 people. In megacities, funds will be returned even faster.

Sushi Master restaurants are retail outlets of four formats: “street”, “island”, “food court” and “classic”. The partner receives a ready-made business model, marketing technologies, unique recipes and help from a start-up team. What happens next is a matter of technique.

Here's what co-owner of Sushi Master Alex Yanovsky says about the advantages of the franchise:

Now you know what passive income is, what types it exists, and what you can do to quit your job, gain financial freedom and be able to travel.

Tips for achieving financial freedom:

Tip 1: Take Time to Build Assets

Try not to limit yourself only to receiving money from your work, regularly think about how you can receive money many times over for work once done - replicate your efforts!

After all, you don’t want to become one of the people who live on a meager pension in old age.

Tip 2: Strive to have multiple sources of passive income

If you can create multiple sources of passive income, then your financial stability will be reliably protected and if you lose one source of income, another will always help you out.

Each of us dreams of financial independence. However, for the most part, we are forced to actively work from paycheck to paycheck, feeling the eternal fear of losing our job as our main source of income.

Meanwhile, there are options for so-called passive income, for example, we described in detail. Such earnings do not depend on current activities; funds are credited to the account thanks to thoughtful investments made earlier. You can lie on the beach and earn passive income as the only source of funds, or you can work peacefully in the office, simultaneously receiving a pleasant increase in income and not worrying about possible job loss.

Today's selection presents the best sources of passive income. Of course, most of the ideas from the top 10 require some starting capital, but there are also ways that allow you to lay the foundation for future income without investment.

10. Credit unions and trusts

Unlike bank deposits, such investments bring higher income. However, the risks here will be much higher. Credit unions and trust funds do reallocate capital, allowing the money to work and generate income, but only if the fund's management invests it wisely.

Investments in securities can bring a stable income if the investment is made by a specialist. Therefore, such investments require at least minimal knowledge of the state, trends and laws of the securities market. Otherwise, it is better to entrust the funds to professionals, paying attention to mutual funds, which will be discussed below.

8. Passive income on the Internet

– an investment project created according to the principles of a financial pyramid, operating on the Internet. The income of investors consists of funds from newly attracted investors. Investing in HYIP will not allow you to relax - in order not to lose everything, you need to regularly monitor the status of the project.

7. High-yield investing

If an investor is not attracted to independently purchasing shares or playing on the currency exchange, then the funds can be invested in the most or transferred to an experienced trader. Naturally, for their services, the owner of a PAMM account will retain a commission on income, but professionals have a better understanding of the market and know the most profitable ways of investing.

6. Play on FOREX

To play FOREX, you need to undergo minimal training to master the principles of trading. In addition, participation in trading requires constant attention, which makes income no longer completely passive. However, when financial literacy is combined with a certain amount of intuition and luck, fortunes can be earned on FOREX.

An excellent option for receiving passive income, however, it requires significant investments at the initial stage. After all, not everyone has real estate to rent out. If there is an object, then it can provide a stable income from several tens to several hundred thousand rubles per month.

4. Creating your own business

If at the starting stage a new business requires full dedication of effort and time, then over time a successful business can work like a well-oiled machine that does not require the constant presence of the owner. we presented earlier.

Websites allow their owners to earn money by advertising. However, in order for an Internet page to become a source of passive income, it must be filled with interesting and useful content, promoted online, and then maintained in this state.

Unlike a bank deposit, mutual funds offer higher income. True, the risks here are higher, however, you can entrust funds to professionals, as well as determine an investment strategy. As a rule, large companies offer several options for mutual funds - from the most reliable with lower income to high-risk, but more profitable.

1. Bank deposit (Deposit)

The list of sources of passive income is headed by the simplest and most understandable way of investing. Currently, deposit insurance covers funds in the amount of up to 1,400 thousand rubles. If you plan to invest more money, then it is better to distribute it among the most.

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

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

What is passive income and earnings

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

How to create passive income?

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

However, this was too narrow a definition.

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

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

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

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

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

What is active income?

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

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

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

Types and sources of passive income

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

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

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

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

Shares as a source of passive income on the Internet

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

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

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

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

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

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

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

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

Valuable property and real estate

This type of passive income includes:

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

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

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

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

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

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

Earnings on PAMM investing

For those who are not well versed in stock trading, investment solutions from offering such features as 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 output.

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.
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.

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How to create passive income - 14 working methods + 12 tips for beginning businessmen.

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

Features of creating passive income and its difference from active

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

The money arrives into the account by itself.

Of course, you will have to put in some effort to ensure that the profit flows into your account, but it pays off and brings you money in the future.

Active income requires constant work, visiting the workplace and performing one’s duties.

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

Receipts will occur over a certain period of time.

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

Many people talk about this in their books and interviews.

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

How to create passive income: 14 best ideas

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

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

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

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

You can not only make passive money from this, but also build a highly profitable business.

An alternative to the website is maintaining a VKontakte group.

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

What if there are five such groups?

Selling your own seminars and training courses.

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

The most difficult thing is recruiting listeners.

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

To write a book.

Income from the work "royalty" goes to the author until the book is removed from sale.

Create an intelligent product.

For example, a computer program.

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

Or a car.

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

Renting a salon, hairdresser's place.

Government payments.
They can be received by disabled people, large families or people who have retired due to age.
Bank deposit.
Investing money in a bank as a deposit is not a great passive income, but for the most part allows you to save money.
However, it is still quite possible to receive not an extra 3-10 thousand per month from a large amount.
Sale of securities and mutual funds.
A good option for long-term capital investment with the aim of making a profit.
However, it must be approached very carefully.
Gather all the information about the organization in which you are investing your money.
Income from shares becomes large only after about 7 years have passed since their acquisition.
Own business.
A very good option for receiving passive income, but it requires a lot of effort and time before it starts to generate profit.
Venture investments and profits.
To receive venture capital royalties, you must invest in a newly launched company.
After a few years, you can start receiving a very substantial amount, depending on the amount of the contribution.
Investing money in investment and trust organizations.
Profit is generated through the redistribution of capital.
However, in this case there is a high risk of losing your investment.
Purchase of housing under construction and its sale after construction.
A profitable option if you have the funds to purchase one or more apartments under construction.
You will buy it for 500,000 rubles, and sell it for 1,000,000.
However, most likely, repairs will have to be made, at least cosmetic.
When choosing a developer, you should be extremely careful.
Buy housing only from reliable, well-known developers who have been working in the housing market for several years.

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

You should carefully consider the steps, evaluate the initial capital and decide what is best suited.

Many people, thinking about how to create passive income, do not want to do anything about it.

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

12 tips for beginning businessmen to create passive income

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

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

Look for new assets that will later turn into liabilities.

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

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

Live the life that rich people lead.

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

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

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

Calculate the risks of losing your invested money.

If the risks are minimal, take the risk.

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

Think about your future every day.

Decide what you want to achieve.

Open your website on the Internet and develop it.

If there is a lack of capital, the site can be sold for a good amount of money.

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

Don't try everything at once.

Focus on one project, and when you finish it, try another.

By focusing on several projects at once, you can get confused and lose your investments.

How to create passive income on the Internet?

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

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

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

Choose the business that you are best at.

This could be website creation, group administration on social networks, copywriting, Forex trading.

To start trading on the Forex exchange, you need to undergo a month of training and conclude several trial transactions.

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

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

How to create passive income and gain financial freedom?

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

We have selected the best ideas:

To avoid remaining poor throughout your life, find time to create passive income, even while working your day job.

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

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

When you make a profit, invest it again.

Develop yourself.

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

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

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

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

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13 min. reading

Updated: 01/08/2018

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:

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

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

Income from Yandex.Direct and Google Adwords contextual advertising placed on the blog;
Income from banners placed on the blog (see also:);
Income from Nolix advertising line posted on the blog;
Income from affiliate programs;
Income from webinars;
Income from the sale of information products;
Income from consultations on developing your own blog, making money on it, investments;
Income from coaching and mentoring;
Income from the online store MisterSaver.ru;
Wife’s income (she recently launched a small project on social networks selling stylish shoes from the USA);
Child benefits (for a child, the wife receives social payments during maternity leave);
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 what we’re talking about now, but the fact that if you don’t 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 revenue.

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...

Video: How I created more than 16 sources of income

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