Passive earnings without investments. Ideas and ways to make passive income

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

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

What is passive income

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

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

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

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

There are several types of passive income.

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

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

What are the differences between passive and active income

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

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

Sources of Passive Income

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

Let's take a look at the most popular and available methods getting “easy” money.

Renting out real estate

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

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

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

Renting out special machinery and equipment

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

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

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

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

Renting advertising space

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

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

Bank deposits

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

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

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

Intellectual or creative product

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

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

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

Own business

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

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

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

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

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

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

Selling franchises and receiving royalties

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

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

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

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

Investing in a third party business

People with substantial capital and assets can count on passive income by investing in third-party businesses. At the same time, than a large amount you invest, the more interest you will receive.

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

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

Creating a mobile application

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

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

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

Creating a channel on YouTube

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

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

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

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

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

Passive income on the Internet - your website or blog

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

What is good about passive income from websites?

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

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

Investments in the purchase of information sites

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

Affiliate programs as passive income

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

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

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

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

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

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

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

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

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

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

How to gain financial freedom and independence

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

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

Conclusion

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

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

October 14, 2015

Greetings! Today I'm starting a new series of articles on personal finance. I’m sure a little motivation and useful life hacks won’t hurt anyone. Let's begin!

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

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

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

Let's take income from employment for comparison. Let's say a manager selling household appliances. His monthly income consists of two parts: a fixed rate plus a percentage of sales. By the way, you can earn very decent money from such work. But! As soon as our conditional manager stops selling vacuum cleaners and washing machines, his income drops... to zero.

Every working day he exchanges his time and effort for cash equivalent. I stopped straining myself (I got sick, quit my job, started drinking) - the stream of money immediately dried up.

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

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

But the method of receiving regular income remains the same: freelancers and private entrepreneurs exchange their time, effort and nerves for money. As a rule, at a more favorable “rate” than office managers, but you still can’t relax.

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

You sleep - your bank account grows. You're on vacation - online wallet replenished. You travel - and the money only becomes more (or at least not less). Ultimately, the attitude towards work changes. Such an autonomous source makes it possible to work for the sake of self-realization or pleasure, and not in order to survive...

Types and examples of passive income

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

Financial (investment)

This is perhaps the easiest way to ensure that over time permanent source payments. The principle is simple: we invest money in various instruments, receiving benefits in the form of interest and dividends.

There are a lot of options for investment income (including on the Internet): bank deposits, mutual funds abroad, securities, as well as income from real estate or car rental.

I want to dwell on securities in a little more detail. In fact, there is a whole article about this instrument on my blog, but if you sum them up, there are only two main types - and bonds. The first ones are a riskier option, but with their help you can earn more. Let's talk about them in more detail.

Dividend shares

Few people know that stocks are not only a tool for speculation, but also an excellent asset for earning money: passive and regular. Russian companies have been paying dividends to their shareholders for a long time. On average, the size of dividend payments is now 3-6% per annum. But on the market you can find a bunch of more interesting offers - 8-10% or more (for example, MTS, Surgutneftegaz, M-Video).

Source: Larisa Morozova

The development of the company guarantees an increase in dividends. And you, as a shareholder, receive a “piece” of a promising company and a share of its profits on an indefinite basis. By the way, this approach to shares is also called .

Bonds

For those who prefer a stable interest rate (note, higher than bank interest!) and low level risk will do .

About 95% of Russian and foreign companies provide for the payment of coupon income (most often, twice a year). Bonds are an excellent alternative to bank deposits. They provide slightly higher returns with the same or even higher level of reliability. Provided that you invest in high-quality, and not “junk” bonds!

Intelligent, including on the Internet

This option implies the presence of creative abilities and minimal creativity. This includes copyright of a book or logo, or a patent for an invention. It is clear that classic intellectual income is not suitable for everyone and it will not be possible to tell in a nutshell how to create it. But I'll give you a couple of ideas.

On the Internet, “training books” are sold in the most different formats: books, video tutorials, personal consultations, webinars, courses and paid access to materials in closed groups.

Naturally, all passive income on the Internet is associated with the creation of websites or services. Therefore, to start receiving such income, you first need to get your own own project. Let me explain my idea in more detail.

Participation in affiliate programs

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

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

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

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

Creation of online courses

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

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

Reviews on websites

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

Who is it suitable for?

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

Marketing income

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

A typical example: a built MLM network or your own recognizable website. If over time your name becomes a brand (at least at the level of a YouTube “star”), then additional earnings are guaranteed through participation in advertising projects and affiliate programs.

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

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

Unfortunately, everything in this life “from scratch” and “without investment” only happens in advertising. In principle, everything is logical: in order to “persuade” money to work for yourself, first you need to find this money somewhere and invest it successfully.

Even in the fairy tale about Pinocchio, Alice and Basilio did not promise that money would grow out of nothing in the Field of Fools. Pinocchio had to plant five gold coins in the ground and water them constantly.

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

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

There are only two options (and no one has yet come up with a third): increase income and reduce expenses. Or better yet, do both at the same time!

We increase income

It's not just about finding a second job or part-time job (although this is also a good option). “Extra” money for creating passive sources of income can be found in the most unexpected places.

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

You will be surprised how much “money” is simply collecting dust in your apartment or country house. Do not spend the proceeds from the sale, but immediately place them in assets!

Well, of course, no one canceled the 10% rule. Direct one tenth of all cash receipts to create passive income. As Bodo Schaefer writes in his book “The Path to Financial Independence”: “You won’t notice a loss of 10% per month. You will live either as good as before, or just as bad.”

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

We cut costs

People came up with ways to save money: a cart and a small cart: sales, discount sites, wholesale purchases of products, energy saving light bulbs... There are so many options that I decided to write about saving.

And now I just want to set the stage, so to speak.

First, close all debts and loans (especially interest-bearing ones) as soon as possible. Debt is like a boat in the middle of a lake that suddenly begins to leak. You spend all your energy trying to bail out the water and not drown (in our situation, making monthly payments with interest). And you and I need to move forward, towards, and not spin around in one place! Loans and debts shackle you hand and foot, and really slow down your development.

Secondly, buy yourself a diary for last year (or a regular notebook). And record your income and expenses every day, down to subway tickets and a cup of coffee. For convenience, divide your expenses into categories: “Food”, “Entertainment”, “Nonsense”, “Auto”, “Communication” and so on. I promise that at the end of the “reporting” month you will be very surprised by the results obtained.

The program not only allows you to record your expenses, but also provides a ton of useful analytical information on your operations: income, monthly charts, various spending scales. well and paid version, will allow you to maintain one budget for the whole family!

For example, you and your spouse together keep records in Coinper, each from his own mobile device. As a result, all data is synchronized and you can always find out how much money from the family budget was spent “on cosmetics” or “at a bar with friends.”

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

Passive income online is not just a reality. Moreover, there are several ways to earn passive income on the Internet. Read more about each of them in our new material.

Many people dream of passive income, and some even try to come up with schemes for such income. And only a few manage to successfully implement them.

Let's look at how to earn passive income through the Internet.

Passive income on the Internet without investment

When people meet a lucky guy who earns passive income, there is a lot that is not available to them. They see investors or businessmen who lead a serene life and do not care about money. However, in reality they had to spend a lot of time and effort to achieve this result.

Unfortunately, there is no serious passive income without investments.

To start receiving money online, you need to:

1. invest money;
2. spend a lot of personal time;
3. constantly engage in self-education and self-improvement.

Success is based on determination and diligence.

Passive income on the Internet: how to achieve it

The richer you want to become in the future, the more seriously you need to work at the very beginning of your journey.

Few people manage to achieve completely passive income. However, many responsibilities can be delegated to other employees. As a result, you will only spend a few hours a week analyzing your current situation.

Let's look at the most popular ways to secure passive income on the Internet.

• Selling advertising on your own website, blog

The most common option for passive income is creating an information website and its further promotion.

There are several advantages of this method.

1. The chance of making a good profit is high. By following the recommendations and rules, you can easily achieve a certain number visitors per day.
2. Stability and constancy. When only “white” promotion methods were used, the project will be able to attract new users several months without the participation of the owner himself. If he regularly devotes time to developing the site, at least a few hours a week, then the project will maintain its position for many years.
3. You don't need to be an experienced professional to successfully promote an information site. Just follow the step-by-step instructions and you can achieve the desired result, even without any SEO experience.

Most often used to make money on the site contextual advertising. The pages contain blocks with advertising from Google and Yandex. You probably remember what these blocks look like, since they are found on almost every information site.

Profit is influenced by the theme of the site, the number of advertising blocks on one page and their location.

If a site is visited daily by a thousand users, then its owner will be able to receive approximately 3 thousand rubles every month.

• Internet business

An excellent option is to organize an online business and automate it. The Internet perfectly automates all business processes, which makes it easier to achieve passive income.

First, you will have to invest a lot of time and effort into the creation and development of your project. Over time, it will require less and less time, but the income will remain at a high level.

5 ways to earn income online.

• Online store

Not all virtual stores that you come across on the Internet have their own warehouse with goods. Many of them use drop shipping and sell products that another virtual store has.

To make money this way, you will need to create your own online store. After this, you need to agree with another store that you will make purchases from them on a regular basis. As a regular customer, you are entitled to a discount.

• Services

You don't have to know anything about renovation, law, or design to make money from it. Just find a specialist in any field. You can work with him on a partnership basis or hire him.

Another option is to agree with a company that it will pay you a reward for finding additional clients.

• Service

With this option, you will already need to have a certain specialization. An example is access to closed base data.

• Infobusiness

The most profitable way to earn money is to sell information online. To create an information product (a training course, a book or a separate video lesson), you don’t need a lot of money. However, if people like your product, you can sell it many times.

Today we need to come up with and compose a really high-quality information product, since there is huge competition in the information business.

• Newsletter

Don't spam - people should leave their email address mailbox on a voluntary basis. Send users only useful and interesting information. Advertising should be allocated a maximum of 30% of the entire letter.

There are many ways to build a subscriber base - by promising useful information in return for e-mail, using a subscription form on a website.

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Many have always dreamed of having passive income on the Internet without investments with withdrawal of money. These days thanks to global network There are many more opportunities to realize such a dream. The main thing is not to rely on free money. To get passive income without investments with daily payments, you must meet the following requirements:

• availability of primary investments, that is, start-up capital;
• constant self-education and study of trends in the chosen field;
• independent work at the first stages of investment.

How to make passive income and where to start?

Passive income on a computer is getting a constant profit on “autopilot” without your participation or active actions. In the classical sense, “liabilities” are income from existing bank deposits, shares and investments.

I note that making money on the Internet is very contradictory. Many who have been burned by this topic claim that it is impossible to earn passive income on the Internet. But most of them simply fell for advertising companies that promise foreign dividend rates without serious investment. This is usually done by scammers who lure out a certain amount of money from intoxicated clients. In fact, without serious investments in proven industries and commercial veins, it is almost impossible to obtain a “liability”. How to organize passive income?

Watch a video about passive income from millionaire Robert Kiyosaki:

What types of passive income exist?

Today we can distinguish the following ways to make passive money on the Internet:

• Invest a large amount of money in your chosen business area and earn income thanks to automation, earning money through someone else’s hands.
• Creating passive income from scratch on your own without large investments, but this method requires a lot of effort. At the same time, few are able to give it their all and quit working before receiving the first profit.

What passive income options are there? How to invest money wisely? Types of passive income in Russia on the Internet will delight you with their diversity. I will tell you about the most popular and proven methods.

Passive income ranking top 10

I suggest you familiarize yourself with the top 10 ready-made examples of passive income, from which you can outline the most promising options for yourself.

Blog creation

This type of income does not require large financial investments, but it does require an investment of free time. At the same time, creating a blog is not possible without creative resourcefulness. In order not to invest money in your own website, you can start a blog on third-party specialized resources. In this case, you will receive earnings from advertising on your blog. If you have a sufficient amount of free time, then you can purchase a ready-made blog that brings in a stable profit. For this, there are special resources where sellers post their blogs.

You can also purchase a ready-made online store with automated operation. Very often, such stores act as intermediaries between the seller and the buyer. Therefore, there is no need to pre-purchase goods.

YouTube channel

Video blogs on YouTube - the new kind passive income, which is gaining increasing popularity. You can earn income from official advertising from Google, affiliate programs, cooperation with famous brands, media networks.

Earning money from subscribers on social networks

When promoting a public on Vkontakte, Instagram, Odnoklassniki and collecting large number subscribers can be easily monetized using advertising, CPA networks, and affiliate programs.

Generating income from intellectual property

This type of income also requires a large investment of money or time. If you are a creative person with free time, you can try to create an intellectual product yourself.

If you have sufficient capital, you can purchase copyrights to intellectual property. Then, by advertising it, we receive passive income from its use by third parties.

Where to invest money for passive income?

Examples of investment portfolios

There are many investment opportunities on the Internet. Many of them are scams. Therefore, the choice of investment object must be taken seriously. You can invest capital in stocks, government bonds or cryptocurrency. Investments in cryptocurrency are most promising for experienced investors. If you don’t have time to study current trends, you can invest in a proven trader who will take your assets into circulation.

Internet business

On the website telderi.ru you can buy a ready-made Internet business with passive income from 1000 rubles. up to 2 million rubles.

There are a lot of options for business projects on the Internet. However, such a business does not always require investor intervention, modern algorithms Internet business automation allows you to earn passive income by hiring managers. Creating a business from scratch is risky, but you have a great opportunity to buy finished project on the website exchange telderi.ru. Here you can find online magazines, online stores, blogs that already bring a stable income.

Startup projects

Investing in startups is a great opportunity to support young geniuses and share with them the income from their creative business ideas. Despite the existing share of risk, if successful, the investor will be able to recoup his investments with interest and receive stable passive income without putting any effort into it. You can find projects for investing passive income on the startup exchanges napartner.ru. Here you can filter proposals by the size of the investment, the payback period of the investment and the terms of payment of profit, and familiarize yourself with the proposed business plan.

Partnership programs

The essence of the affiliate program is to attract clients to advertisers. This happens using a referral link, which you can place on your website, blog or third party resources through advertising.

Mutual funds

Mutual funds are a promising and highly liquid instrument for obtaining liabilities for those who have their own savings. Mutual funds allow you to receive income from 10 to 50% per annum and enter the stock market without having much experience in trading. By purchasing a share, you entrust your savings to competent portfolio managers who, with the help of their knowledge, increase the capital entrusted to them.

Internet traffic trading

Selling traffic is a great way to make money without much effort. The essence of this earnings is that you buy cheap traffic and resell it at a higher price on the exchange or redirect to selling pages, partnership programs, CPA networks, receiving payment for clicks, registrations, sales. You can get cheap traffic using SEO, teaser networks, context, and targeted advertising on social networks.

Due to numerous requests from readers... So get ready, pour yourself some tea or coffee, make yourself comfortable - this will be a voluminous, but very useful article! 🙂

How would your life be different if you made a few hundred or thousand dollars a month without actively working?

Perhaps you could get busy which you have always dreamed of. Maybe you would travel more around the world. Perhaps they would move to live in another country with a better climate and quality of life. Some would spend more time with their family and take more care of their health. 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 of what he likes and minimize what he doesn’t like.

Clarification

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

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

Rent out real estate

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

Rent out your home and move into a rented one 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 ​​your accumulated trash and junk

If you think that these are pennies that are not worth spending time on, look at how my wife and I for thousands of dollars! Many of these things have been stored since student days and have cluttered our house for years.

Turn your car into a means of earning money

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

Deposits

Deposits are one of the easiest and an 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 method of earning money 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 special platforms for selling e-books. Writing a book takes from a few days to 2-4 months, but once you write it and post it on book platforms, it can provide you with passive income for years.

Create a video training course

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

Create or buy a ready-made online store

If you already have goods for sale or you know how to arrange supply, sales and delivery, it’s time to think about own online store. There are services that allow you to automate delivery, storage, accounting, sales, payment acceptance, discounts and promotions, and even marketing.

Start your YouTube channel and make money from advertising

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

Earn money from advertising on your site

If you have your own website, you can (should) enable advertising (AdSense or any other). This is done different ways(read on the Internet) and in general it is very simple. People come to your site, read or watch something, and are automatically shown an ad. You get paid for views and/or clicks from your readers. See examples of advertising at . Subscribe to my articles to see how it works in the articles :).

Credit card bonuses - No No No!

My readers know very well my opinion about plastic cards - do not deceive yourself with the attitudes “I pay off the debt on the card 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 earn. Trust the person who had more than 20 mega-cool cards))) Also read and watch:

Do you like photography and are you good at it? Then you can sell your pictures or videos through photo banks such as Shutterstock, Depositphotos and iStockphoto You will receive a percentage or flat rate for every photo or video sold through these photo banks. You upload your photos and videos to one or more platforms, and that's where your activism ends.

Microloans - NO NO NO!

Microloans are a disgusting tool for robbing financially illiterate and desperate people. People take a small amount “before payday” at 100-200 percent or more per annum, thinking “just think, the interest will be only 500-1000 rubles. It’s just pennies.” There are platforms that offer you to become a lender and receive a certain percentage from it. I won’t give links because... I am categorically against earning money that drives other people into a financial abyss.

Accelerated repayment of loans and debts

Every penny you pay to the bank is a penny that could be (passively) making you money! Debts, like termites, devour and destroy the financial well-being of a family. It is important to understand that for every dollar (ruble, etc.) returned ahead of schedule, interest will not accrue (for months or years in the future) and all these months or years you will be able toearn interest yourself rather than pay 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 one-room apartment in St. Petersburg), taken for 20 years, at 12%, set aside the same money that you will pay monthly to the bank (the 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 1.5 to 3 thousand dollars for the rest of your life per month! With that kind of income, you could live well in any country from east to west! By the way, this amount would put you in the 5-10% richest people on the planet! Make sure of this .

Change jobs

If you are sure that you are being paid below the market, attend interviews and change jobs! Thus, you will provide yourself with additional income for many years in the form of the difference between the old and new salaries. This can be very scary to do, because... We, people, become attached to the team, to the work being done, to 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 your job for a new one, or you can ask for a raise. If you find out (and don’t just think so) that you are objectively worth more, if you bring value to the 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) tax on purchased real estate (up to 260 thousand rubles or 4,300 dollars), for interest on a mortgage (390 thousand rubles or 6.5 thousand . dollars), for training and treatment, etc.

My wife and I, for example, used tax deductions when purchasing real estate. This returned 130,000 rubles to the family (more than 5 thousand dollars in old money). 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 utility services, to create/develop a business, payments to mothers under certificates “ Maternal capital", try to get subsidized 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 end up 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 monthly income, giving a 4.2% (100/24) return (typically in dollars) - which isn't very high, but not very low, considering the rates on dollar deposits in banks. Plus, a blog or online 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 (eg 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 money in this way. However, calling such income passive can only be conditional.

Stock

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

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

Bonds/bonds

A bond is a fixed income bond.Essentially, it is a loan agreement between a lender (usually national governments, municipal governments and private companies) in which you lend a certain amount, for a certain period and at a certain interest rate.

Riskiness of this instrument, as a rule, very low, but the profitability is also low. However, you can (often) make more money on bonds than on bank deposits. You can also buy bonds through a broker, but the entry threshold can be high, from tens of thousands of dollars to a couple of hundred thousand.

Mutual funds

mutual funds or Mutual Investment Funds are a kind of pool of money from large quantity investors (like you, for example), which is managed by a management company with the aim of increasing the value of this fund.

Mutual funds can be selected to suit every taste- industry, “blue chips”, etc. The value of your share (the part you purchased in the fund) can go into deep minus and rapidly grow upward. 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, American or European stock markets) you can invest in ETFs ( Exchange Traded Funds ) or to index funds (the same ETFs linked to a specific index). These instruments, as a rule, are tied to a certain type of asset (for example, blue chips, shares of fast-growing companies, oil sector companies, stock index of the largest American companies (for example, S&P500), etc. There are a great variety of them and you can choose to suit every taste and attitude to risk!

You can buy these instruments (in Russia) through brokers, which provide access to foreign markets and instruments.These are very cool toolsallowing you to earn 5-10 percent or more in dollars and get rid of 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 suited you, but there is one way to make money that is available to everyone! This . Saving on yourself is unpleasant. However, saving is “smart” when you save money, but do not noticeably change the lifestyle to which you are accustomed - even exciting and reckless. Hundreds of smart saving ideas .

Investment in yourself loved one!

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

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

— investments in health- these investments generate income, ranging from savings on the costs of doctors and medications, and ending with the fact that a healthy body greatly affects the health of the “brains”, your thoughts, mood, motivation, which, in turn, affects everything in including the ability to earn more and invest better. Watch me play sports for free.

- spiritual development- we, as a rule, 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 influence everything!

What type of passive income should you choose?

Not one alone!None of the tools described above individually will be correct and good decision to generate confident and reliable passive income. Remember - “don’t keep all your eggs in one basket”! As a rule, it is necessary to combine some 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 the national currency, and part must be tied to hard currency (for example, the dollar).

Test before invest!And one more thing - no matter what you choose - “test before invest” & “try small” - which means “test, then invest” and “try on a small scale”. You don’t need to use all your money to buy one instrument (for example, shares of a company or mutual fund) that you have not tried before. Buy it for a small amount, try it, make sure everything works well and then increase your investment in this or that tool.

Break down the risks over time!An additional strategy could be to enter a particular instrument gradually - for example, buy such and such an ETF for a certain amount every month. This will help you reduce (but not eliminate) the risks of getting into a bad instrument and losing money.

When should you start creating passive income tools?

The earlier the better! Preferably from school, student, or at least your first job. But, if you haven't done it then, it's never too late to start doing this. It’s just that the sooner you start, the more powerfully (in your place) compound interest will work, whose power grows like a snowball, only after some time. Read the amazing story of Susan, Bill and Chris and you will understand what I mean.

BUT! There is one limitation.I recommend starting to invest only AFTER how you pay off all debts (except the mortgage) and create equal to 6 monthly income (or expenses, if that’s easier for you:). And only after that you can and should engage in investments, making money, etc.

One of the most effective tools to solve these two problems (get rid of loans and form a fire reserve) is.

Conclusion

As you can see, there are many types of passive income. Some are very easy to understand and cheap to get into, some are a little more complex and more expensive. You don't need to limit yourself to one tool and you don't need to 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 your pillow or money on deposit), and learn to invest your 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!

It will be useful!

Call to action

What can you do right now? Two things:

First.On your own or with help, make an annual budget for your family, set yourself the goal of “expeditiously paying off 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 one!Meet with 2-3 large 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 tolerance. This conversation will be very useful and will charge you with the necessary motivation to engage in passive income!