Unconventional ways to create passive income from scratch. New business ideas

The content of the article:

What is passive income

According to Wikipedia, passive income is income that does not depend on daily activities. But this is not a completely complete definition.

Passive income is the income you receive even when you are not working. The simplest example is renting out an apartment. You can work your day job but receive passive income from your real estate.

However, there are a lot of types and sources for receiving passive income, and their essence is to create passive income from scratch.

You need to understand that in order to receive a constant income and do nothing, at first you will have to work hard.

But 6-18 months of work can provide you with stable profits for long years forward, even when you no longer work.

The difference between passive and active earnings

The principle of active work: did the job - got paid. If I wanted more money, I did one more job. For example, the driver UBER, he gets money as long as he takes people. If he stops traveling, he will stop earning money.

The principle of passive income: if you create a source of income once, you receive profit on an ongoing basis.

Passive income is the dream of any normal person.

There are so many ideas for generating passive income that we will break them down by type and try to understand how much profit each option can bring.

Sources of Passive Income

What can bring us profit? An asset that we will create or buy. Most sources of passive income require some investment, and absolutely all assets require effort. initial stage.

Let's start with options for creating passive income from scratch, without investments.

Passive income without investments. Creation of intellectual property

There are a great variety of ways to earn passive income available here, and each option will be of interest to a certain circle of people.

1. Book, text material

Once you write a book, you can sell it for years. It is not necessary to write novels or detective stories; educational books are also in great demand.

There are many services for aspiring writers, such as writing a book online. You will receive instant feedback, and if your idea is successful, you will immediately be awarded a publishing contract.

An e-book can bring $100-200 per month, but the greater the interest, the greater the profits.

Do you think no one does this? Mike Piper wrote the book “ Investments in simple language ” and started selling it on . Interest was so high that he continued and wrote a whole series of books. Now they bring him six figures.

2. Selling copyright photographs

Special services called microstocks , allow you to buy and sell unique photographs and images ( created in graphic editors such as Adobe Photoshop, Adobe Illustrator...).

If you love photography, editing images, creating interesting pictures in Photoshop, you can make a decent amount of money just by selling your images.

The bottom line is that you put your photos up for sale, but the buyer does not buy it, but simply buys the opportunity to download it from highest quality. Thus, one photograph can be sold an infinite number of times.

Buyers include magazines, blogs, advertising agencies, designers and other businesses that need images.

We will give an example of one of our designer friends. Six years ago, he drew icons, pictograms and other web elements. He did this for 3 months. He posted all his works for sale on Shutterstock. In the first months he got to the top and earned about $1000 per month.

For next years his earnings gradually fell, but last year ( sixth) his profit remains stable at the level $100 per month. This is despite the fact that he has not added new images for sale for 6 years. Since Shutterstock policy does not allow us to talk about the designer's earnings, we will not reveal the identity of the author.

The most famous and profitable microstocks in the world:

Shutterstock (This is the leader among microstocks in the world, everything is here)
Fotolia (All of Russia and the CIS are here, microstock belongs to Adobe)
DepositPhotos (Largest microstock with good sales)

Videos on Youtube

This type of passive income on the Internet brings in a lot of money: for example, a Youtube channel Mister Max who makes videos about children makes money for his owner 2-7 thousand dollars per day.

To create passive income from videos, you need to create a series of useful and always relevant videos. These could be instructions like “How to make…”, “How to cook…” that people will find and view in the long term.

You can connect Google contextual advertising to each video, plus YouTube itself will pay you for every 1000 views.

3. Online courses and master classes

If you know something that others don’t know, then you can launch a series of training courses. The master class format can be different: video, audiobook, instructions on the website, offline school. It is important that your students are satisfied with the quality of the material and gain new knowledge.

You can earn 20-50 or more dollars daily from video lessons. For example, courses on guitar and other musical instruments, drawing lessons, foreign languages and others. More highly specialized knowledge can be sold at a higher price. For example, trading courses on the NYSE can cost from $500 .

4. Music

Creativity that generates passive income is not limited to texts, photographs and videos.

Music is an interesting direction, which is also not suitable for every user. To create music tracks, you just need to learn how to work with programs like Fruity Loop or Adobe Audition, Steinberg Cubase and etc.

All presentations, sales, videos... are accompanied by background music. These are the first buyers of your tracks, they simply cannot live without them.

Just as microstocks sell images, they also sell audio. The most famous audio stock is AudioJungle.

Internet products

5. Website creation

Absolutely anyone can create their own website. You will have to spend a little money on a domain name ( in zone.ru – from 150 rubles. in year) and hosting that will display your site on the Internet ( from 900 rub. in year).

The main difficulty is finding interesting information that will really attract readers. It is not necessary to have a blog or live journal; some resources are gaining popularity thanks to convenient tools: compound interest calculators, parsing currency quotes, free SMS widget, online translator and much more.

Average monthly earnings on the site vary from $50 to $1000, depending on the number of visitors, popularity of the resource, citation index, etc. It will take from 6 months to 3 years to promote a website.

Let's take a closer look at how you can make money on your own website.

6. Contextual advertising and banners

On almost all websites you can find advertising blocks from Google and Yandex. Each click on them brings the site owner from 20 cents to several dollars. The more visitors you have, the more ad clicks you will get.

If you add 1000 useful articles to your site and stop visiting it, you will continue to earn money for many years to come, since your site will remain online and work around the clock.

7. Eternal links

Many companies and simply other sites order the purchase of links on other sites so that search engines can see that many people are talking about their site, thereby increasing their ranking in search results. Customers buy paid reviews, laudatory articles, or simply placing a link anywhere.

Selling space on a website for such reviews can bring the owner 100-300$ per month. However, to do this, your site must have many visitors and good rankings in search engines. This method of earning money is suitable for a site that is already more than a year or two old, however, it will additional source income that does not require special efforts from you.

8. SMM and social networks

Another way to make money available to everyone: maintaining a group on social media. networks. To create your own public page, just register on the site and go through a simple procedure.

Here the content comes first. Finding interesting, unique information is difficult: be prepared for the blatant theft of your content. But if you attract 100 thousand subscribers, then your monthly earnings will be in the thousands of dollars.

With a large number of subscribers, advertisers themselves will find you every day. For example, for famous bloggers, an advertising post on Instagram costs from 500,000 rubles. Even if you have about 30 thousand subscribers, you can already sell advertising through special services.

Where to invest for passive income

9. Renting out real estate

Everything seems simple here: we buy a house or apartment, put it up for sale Airbnb or Booking, rent and make a profit.

Such passive income from each premises can bring 5000-30000 rubles per month and will cover utility costs.

More profitable ways to earn passive income from real estate are renting out garages and commercial real estate. A garage costs 5-6 times less than an apartment, while the rental price is only 2-3 times lower.

That is, instead of one apartment, it is more profitable to rent out 5 garages.

But there are differences between apartments and apartments. If you have a whole package of services - linen, cleaning, Internet, TV, beautiful view, food, parking and so on, then the cost here will be different. Many people have several similar properties, hire 1-2 people for maintenance and receive decent passive income.

10. Renting equipment, car, other asset

By analogy with real estate, it is possible here different variants earnings. If you have an unused property that can be rented out, consider turning a profit from it. After all, when a thing lies as a dead weight, it is a liability; if you receive income from its existence, it turns into an asset.

It could be a jet ski, a console PlayStation or XBOX, car or other equipment.

Thus, by investing in items that can be rented out, you can break even and then receive net passive income.

11. Trust management

Trust management in financial markets is one of the most profitable types of passive income. can bring on average from 60 to 120% per annum in passive mode.

Many brokers offer trust management in the form of investment funds, PAMM accounts, and copying of managers' transactions.

12. Indices and ETFs

If you look at the charts of stock indices, you will see that their profitability is not great, but it is always there. – these are shares of companies that buy shares from a basket of stock indices and their value dynamics are fully correlated with stock indices. By purchasing one share of an ETF fund, you are buying the entire index basket.

At the moment, ETF funds are very popular in the USA and Europe, because they are portfolio investments that are highly protected from all kinds of risks.

In addition, there are sector ETFs, balanced and unusual, such as ETF Whiskey, where the shares of whiskey producers are in the basket.

13. Creating a business for passive income

This is a promising way to earn money, because it allows you to completely control your investments. We do not mean an active business where you have to work yourself. You can organize or buy a company with an established work structure, with a director and his deputies.

If you turn to the Internet, there are even more examples. You can hire developers and create some kind of automatic service, program or service, which will then bring you stable passive income.

Currently, these types include services for checking the uniqueness of texts, analyzing websites, collecting data, creating presentations, logos, etc.

Other types of passive income

14. Benefits and government programs

Consult with a lawyer: You may be eligible for a government assistance program. A housing lending project for young people, rolled out across the country, could make it easier to buy an apartment. Maternity capital and the family support program will help support children.

Find out if you may be entitled to a benefit from the state, do you just need to apply for it?

15. Create passive income from your day job

Many people do not notice the advantages in their work, they get used to it and it seems to them that no one appreciates it.

A striking comparison is artists. So they draw a cat and everyone says - wow, how beautiful... but the artist thinks that it’s nothing special, everyone can do it.

Perhaps your job can provide many people with some kind of bonuses, as if along the way with your main job. Perhaps these will be additional services or knowledge that would be useful to people.

If you work in the tax office, then many would benefit from your outside consultation. If you work as a chef, then many would benefit from your advice on recipes that you can sell - write a column on a website, publish a book or run your own blog... And so on.

Make money doing what you would do anyway. For example, if you like to play games, then you can also make money from this. In addition to tournaments, there are many games where they sell characters, items... which you can earn in the game and sell for real money.

As we can see, there are plenty of ways to earn extra income. But they are always related to the use of existing resources or the creation of a new product. Before you set up a new source of passive income, ask yourself a couple of questions:

What is your soul? Do you love photography, writing, making videos? Perhaps you have a craving for the financial sector, for mathematical calculations? Are you an enterprising person? The answers to these questions will determine the area in which you should develop.
Do you have capital to invest? Free resources will greatly facilitate the search for sources of passive income.

Choosing a source of passive income ultimately depends only on you, do not shift this responsibility to others. Apart from the well-known methods, you can come up with something of your own, and this will be an even better option.

And finally, a couple of tips:

Diversify your sources of income. Try to create as many assets as possible that will bring you profit. This way you will protect yourself from crises and force majeure.
AND find the best options for passive income, don’t stop there. If you have found a stable, highly profitable instrument, transfer part of the funds from your bank deposit to this source. Thus, you will increase the profitability and efficiency of your entire asset portfolio.
Improve financial literacy. Find out more about investment programs, operating conditions of companies, do not be afraid to open new sources, experiment with creating options for investment.
Don't spread yourself thin. It’s better to devote all your time to one source until you get the job done. Working on multiple projects is not prohibited, but it may affect the quality of each individual product.

Conclusion

Passive income is the key to a good life. We've listed a dozen ways to create your own source of extra income, but the list goes on and on.

The fact that you have thought about the need to generate passive income already elevates you above most of the people around you. There are many methods available to each of us to improve our financial condition, but we need to work on them. We wish you good luck in organizing sources of passive income and achieving financial independence.

Many people don’t like going to work from 9 to 6, and they don’t teach how to live without a hired job in school. However, the idea of living on interest and dividends exists in the minds of the masses. Financially literate people have heard about sources of passive income, but real purposeful businessmen are looking for how to create passive income from scratch.

What is passive income?

The idea of passive income arises when researching and studying the topic of financial independence. It is those who set out to get rich or achieve financial freedom who strive to build passive income, also known as residual income.

Passive income is profit received by a person without the need to perform daily “active” work or conduct a permanent professional activity. Namely: work from 9 to 6 in the office or do freelancing (remote work), exchanging your precious time for money. In any type of earnings where the employee’s time is exchanged for the employer’s money, we can talk about labor or “active” income.

The word “passive” hints: you don’t have to work regularly to make a profit. That is, a person lives freely at his own discretion, and money “drips” into him. However, this understanding is deceptive. As will be shown below, creating sources of passive income also requires a lot of work, although often only once, or very little effort is required to maintain stable profitability.

Sources of Passive Income

The main sources of passive income by type of ownership are:

bank deposits;
securities and bonds;
real estate;
copyright.

Additional sources of passive income:

raw materials;
business operating “on its own”;
franchise;
investments in third-party business systems.

For an employee, the possibility of having more than one source of income, a salary, is new and unfamiliar, and therefore often suspicious. However, if you look at it, having more than one source of income is exactly the way to improve your own well-being and increase capital.

Those who are looking for how to create passive income do not always understand the possibility of creating multiple sources of personal income. This means you don't have to quit your job to earn passive income. You can build these incomes in parallel. Moreover, the options for passive income are numerous, and one person can have as many types of this income as they desire and manage to build.

Types of passive income

If all residual income is divided by type of profit, then the following types of passive income can be distinguished:

dividends– from investments in securities;
interest– from bank deposits and other investment organizations, from bonds (government securities);
royalties– for created intellectual property objects or received patent;
rental income– from leasing real estate;
royalties– for the sold franchise.

And several types of profit without special names. These are the following categories:

income from operating business– (also called dividends in the West) profits from a business for which the founder or board of directors does not need to work personally;
profit from venture investments– income from investments in business systems built by other people; Here the investor invests money in a startup or nascent business project, and after its promotion receives a return of funds with interest and/or regular profit from the activities of the new company.
percentage of sales– a separate category of income that may be available to freelancers and businessmen. We are talking about additional profit from the volume of goods sold without the participation of the income recipient. For example, a copywriter who wrote a selling text is paid a fee in the form of a percentage of sales profits from each use of this text by the customer for a year or other agreed period.

Passive income without investments

Is it possible to create passive income from scratch? From the types of passive income considered, it becomes obvious that some sources are built without investing money, others do not allow this.

4 ways to create passive income without investments:

create an object of copyright;
create a business system that does not require the participation of the founder;
create a business and sell a franchise;
accumulate capital to obtain residual income in other ways.

Creating a Copyright Object

This method of creating passive income from scratch is suitable for people in creative fields: composers, songwriters, writers, and inventors.

Having once created a beautiful musical composition, song, or written a novel, the author receives a reward for the use of his work or its elements. The list of what belongs to the objects of copyright is in the relevant law of the Russian Federation.

A patent also allows inventors to receive compensation for the use of their intellectual work.

This method is good because you only need to make an effort once, and then receive a fee. However, it is clear that not everyone can create a worthwhile work of art, and they will have to monitor compliance with copyright law.

Creating a business system without the constant participation of the founder

This method is a passive income business. Creating a company that brings benefits to people, and income to the owner and founder, is real, although not easy. The vast majority of small businesses are of the type where the owners are employees in the positions of directors and managers.

Being the head of your own company is not bad and even prestigious, but it does not bring you closer to your goal - creating passive income from scratch. After all, what is passive income? This is the profit from a one-time invested effort that a person receives consistently over many months or years. And if the founder works in his organization, he receives a salary. Therefore, this method will only work if the business is built as a full-fledged system with all the necessary employees, including third-party general director. Then the founder can rightfully say that he has created passive income.

Creating a business and selling a franchise

Income in the form of royalties from the sale of a franchise will become available only after the creation of a franchise, and for this you need to either already have a ready-made and established business, or build such a business.

The idea is being implemented from scratch, but the result does not fully fall under passive income without investments, because you will have to invest a lot of time and effort into creating your own company. From the point of view of the fact that you can get by only with time and effort, without financial investments - yes, this is possible, even if you have to attract third-party investors for the purpose of financing new organization.

Capital accumulation: money makes money

One of the most popular ideas for passive income in order to get rich and become financially independent is the idea: “Money makes money.” It describes the simple fact that you don't have to invest man hours to earn more, even passively.

However, in order to invest money and start bringing more profit, you need to collect start-up capital. It won't work any other way.

Therefore, technically it will be passive income from scratch, because you have to start somewhere, but in fact you will have to save and save. You can start with 10% of each receipt of labor income, that is, salary, or any other income that you have. Thus, a sufficient amount will gradually be collected to invest in bank deposits, purchase securities or bonds.

You can combine capital with someone close to you and invest a larger amount in rental real estate or venture investments. It is important to have a detailed understanding of the subject of investment.

Top 10 ideas on how to create passive income

Let's look at the most popular ways of creating additional income without constant investment of time.

1. Bank deposit

With very modest interest rates and additional profits, this type of passive income remains and will remain very popular for a long time. There are several good reasons for this: firstly, the banking system is growing and strengthening, the population is accustomed to trusting banks, their activities are in most cases understandable to citizens.

Secondly, banks provide guarantees - even if this sounds especially dubious in Russian realities, the invested capital is still protected from loss or theft. With the development of insurance companies, each deposit is either insured by default or can be insured at the request of the depositor.

The choice among banks is wide, the deposit options are varied, so passive income is real even with investments of 3,000 rubles or more. There are special deposits with increased interest rates for pensioners.

2. Securities (mutual funds)

Typically, passive income, the ideas of which are taken from Western popular science publications, includes income from securities. Provide access to them and make such investments convenient for the population Mutual Funds – mutual investment funds.

Although the method was especially popular before the crisis of 2008-2010, one cannot count on quick profits, because investments in shares are structured in such a way that such income becomes noticeable after a long time. Therefore, if you don’t have a couple of millions in American currency, you will have to hold the investment for several years or decades.

3. Renting out housing or offices

You can receive stable income from renting out real estate. This will be just residual income, since one-time efforts are required to find a tenant and repair the premises; otherwise, maintaining the good condition of residential or non-residential property will require a minimum of time.

This is perhaps one of the most popular ways to obtain additional unearned income for the population, since it does not require special education, and the amount of income can be very significant.

4. Starting your own business

To create passive income without investing money, many former employees retrain as businessmen and entrepreneurs. Indeed, if you create a business that operates autonomously, with its own manager and hired labor force, then you can get a good income.

5. Venture investments

Passive income from business is one of the most highly profitable types of investments. At the same time, the risks are great, because any company can close or suffer losses. Moreover, not every person is a born entrepreneur.

For those who are interested in how to create passive income with high interest on invested capital, but do not consider themselves an entrepreneur, the solution is investing in other people’s companies. If you understand who to invest in, then the passive income of the investment will be very high.

6. Creating a work of art

By writing a book, composing a song or music, or making an invention, you can create passive income from scratch. After all, royalties for the subject of intellectual property will be received automatically, without requiring new creative research.

7. Investments in high-risk companies

These include Forex brokers, HYIPs and other companies that take citizens’ money and promise high interest rates. The money will go to trading on the stock exchange, which can give a high gain, but is very risky, which the companies themselves do not like to report. If you make such investments, passive income will be 18-70% per annum or even more.

8. Website creation

Your own website can be used as a source of passive income. There are plenty of scenarios for the development of a web resource here. For example, unwind informational portal and turn it into a platform in the form of an advertising platform. Advertising income is passive income.

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

1. What is passive income

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

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

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

The sooner you think about creating passive income, the more opportunities you have. You will be able to accumulate more funds faster and more to implement your plans. And the majority have plans: to create financial freedom for themselves and no longer work, but do what they like.

Benefits of Passive Income

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

3.1. The effect of compound interest

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

For example, if we deposit 1 million rubles at 10% per annum, then in a year the amount will be 1.1 million rubles. Now, putting the same money in the bank at the same 10% per annum, after two years the amount in the account will be 1.21 million rubles. In the second year, capital increased by 110 thousand rubles, and not by 100 thousand rubles, as in the first year.

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

I discuss this topic in more detail in the article:

Develop your financial literacy. To do this, read books about investing, trading, and the philosophy of wealth. You can start with Robert Kiyosaki and continue with stock market literature.
Create new assets regularly. Look for new opportunities, they are always there.
Create multiple sources of passive income. Sticking to just one carries risks.

3.3. Rules: how to become rich from scratch

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

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

4. Sources of passive income

There are many sources for creating passive income. Each of us has our own knowledge, skills, capabilities, wishes, so only you can decide for you what exactly you can do. We will only look in detail at the basic options for stable sources of money (you’ve probably already heard about many of them). We will focus on the mathematical basis to calculate how profitable each option is.

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

4.1. Bank deposit - a source of passive income

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

There are a lot of offers on the bank deposit market. Each bank offers its own range of deposits. If you spend literally 10 minutes, you can choose the most profitable one for you. This can increase profitability by 1-3% per annum.

There is no need to worry about the funds being lost. All deposits are insured by the DIA in the amount of 1.4 million rubles (including interest). That is, there is no point in putting 1.4 million rubles in one bank. It’s better to put in a little less so that the interest that will accumulate is insured. For example, if we are talking about a rate of 8% per annum for a year, then it would be logical to put in the amount of 1.27 million rubles and sleep peacefully.

How much can you earn

The return on the deposit will change at any given time, so you should check the relevance of the information. As of 2018, you can find deposits with a maximum rate of 8%. In more reliable banks at 7% per annum. These are almost the lowest deposit rates for new story Russia. Previously, there were always offers at 10-12%.

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

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

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

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

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

4.2. Real estate

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

You can make money in real estate in two ways:

Rent
Resale

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

The following types of real estate investments are distinguished:

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

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

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

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

What is the profitability

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

Of course, it is worth counting on the fact that real estate will rise in price over time, but this is extremely long process. For its value to increase, there must be economic growth in the country as a whole. Otherwise, due to wage cuts and high inflation, no one risks taking out a mortgage, even with low rates.

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

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

4.3. Securities

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

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

To open a brokerage account online, you can use the following brokers:

These are leaders in the provision of brokerage services in the market. I recommend working only with them. They have low commissions and a wide selection of trading instruments.

This article contains the 12 best ideas for creating passive income from scratch on the Internet. It offers proven and working ways to make money. Answers to popular questions about passive income are given. And also a lot of useful videos from experts.

Many people dream of doing nothing, traveling, enjoying life and making money at the same time. Unfortunately, this doesn't happen in the real world. To earn money, you have to work.

But there is one activity that does not require permanent job. You only need to invest effort, time and money in the beginning. And then you just need to monitor and maintain the established system. We are talking about passive income on the Internet.

What is passive income: a brief analysis of the concept

Passive income is an activity that does not require a person to daily work. That is, you don’t have to go to a job you hate and carry out boring orders from your superiors.

When creating passive income, a person first either invests his time and energy, or hires those who will do it for him. Once the system is established, less and less action and investment is required.

12 ways to make passive money on the Internet

1. Passive income from a website or blog

The list is headed by the most popular method of passive income on the Internet lately. Its essence is as follows:

A person creates a website and chooses a suitable topic. For example, you can choose something that you are good at: computer repair and maintenance, mobile phones or auto, construction, business, fishing or other familiar topic.
After developing the design, site pages and its configuration, the resource is filled with articles. You can write them yourself or hire a copywriter for this task.
After a couple of dozen articles, visitors begin to come to the site and read published materials.
Upon reaching a certain traffic indicator, the site is added to the Yandex and Google advertising networks and from that moment passive income begins.
The site owner receives money for the fact that users click through advertising blocks to advertised resources and services.

You can also consider banner advertising or selling links as this type of earnings.

How much do you need to invest at the start?

Financial investments can be minimal - payment for hosting and domain name. But this is provided that the person understands how sites are developed. If there is no knowledge in this area, then you will need to invest an average of 10,000 rubles. for web developer services.

The same goes for articles. If the owner of the resource can write articles himself, then he will only invest his time. If not, then you will need to regularly pay the copywriter from 3,000 rubles. in Week.

You may have to spend money on an SEO optimizer who will select a list of suitable topics based on search engine data and advise on search engine promotion of the site. Here you will need from 5000 rubles.

To save money, you can familiarize yourself with web programming and SEO. There is a lot of free information on these topics on the Internet.

How much can you earn?

Everything will depend on the activity of site development. Regular and daily publications of materials will allow you to earn from $500 to more than $1000 per month. For rare publications, for example 1-2 times a week, you can receive $100.

But you need to understand that earnings depend on the chosen topic. It is better to create a website on topics such as cars, computers, construction and repair, business, finance and health.

2. Investment in a website or blog

This earnings are similar to the first option. The only difference here is that the site does not need to be created and promoted from scratch. It is enough to buy a ready-made resource that is already profitable.

The price of a website can vary - from a couple of thousand to several million rubles. It all depends on the age of the resource, its traffic and the profit it brings.

By purchasing several sites at once, you can achieve a monthly passive income of more than $5,000.

3. Earning money from a VKontakte group or community

Earning money from a VKontakte group or community consists of posting paid advertising posts.

To create a group, investments are not needed, since VKontakte makes it possible to do this for free. You will only have to spend money on attracting participants. To do this, you can use targeted advertising, promotional posts and paid entries in other groups.

The downside to making money like this is that you have to publish every day interesting posts. Therefore, you will either need to spend personal time or money on a specialist who will do everything himself. Community administrator services cost from 3,000 rubles. per month.

4. Earn money from your own YouTube channel

YouTube is a well-known and popular video hosting site that allows you to make money on your channels.

Earning money consists of making a video, preferably a high-quality one, and publishing it on your channel. When there is at least a thousand audience and the video has several hundred views, the YouTube channel can be monetized in the following ways:

Contextual Google advertising- an advertising block that pops up at the bottom of the video on a topic that interests the user.
Direct advertising in video is the placement at the beginning of the video of advertising information for the product or service of another person or company. In this case, the advertiser pays for advertising the price set by the owner of the video.
Affiliate links - they are placed in the video description to attract, for example, referrals to some project. For each person attracted or purchase, the channel owner receives a percentage and thus passively earns money while doing what he loves - shooting videos.
Someone else's video - the channel owner does not post his own videos, but other people's. After their promotion, he begins to earn money by anyone in a suitable way. A simple example is a collection of jokes or road accidents.

It is difficult to specifically state the amount of earnings. We can only note that there are people earning $1,000,000 a year on YouTube.

5. Selling training courses

If a person has experience in a certain field, then he can create a training course and start selling it online and offline. But at the initial stage, you need to invest a lot of effort, spend time and test the created product.

Online training courses have been in steady demand for the last 15 years. But in order for people to start buying them, you need to create a personal brand and establish yourself in the niche as an expert who can be trusted. Therefore, creating a name and the course itself can take from six months to more than a year.

Earnings will depend on promotion channels, quality of training, price and much more. There are trainers who earn $100-$500 per month, and there are those who consistently receive their $1000.

6. Information business: webinars, online trainings, workshops

This income is suitable for experts in a specific niche.

If a person is well versed in marketing, then he can train marketers and businessmen. Knows family psychology, then you can help families get out of crisis situations and improve relationships.

Webinars do not have to be livestreamed. You can record them and offer recordings to people. It's the same with online training.

The only thing you will have to devote time to is workshops, since you need to be present at such an event in person and supervise the work of the participants. And we definitely need to update our webinar and training programs.

7. Selling educational e-books

This method of earning money is similar and can even complement the previous one.

The bottom line is that you need to write the most useful e-book, and then receive income from its sales. However, here you will have to spend a lot of time writing a book, testing it for free among friends or colleagues, and only then releasing it to the masses.

Here you will have to invest not only time in writing a book, but also in promoting it, as well as creating the name of the author and positioning him as an expert in a specific niche.

8. Selling this book

People still buy real paper books, even though they cost more than e-books. As numerous studies show, it is easier to read from paper than from a PC monitor or smartphone.

To start earning money this way, all you need to do is write a useful and interesting book, find a publisher, publish your work and receive your percentage of sales.

IN in this case the book does not have to be educational. You can write a novel, detective story, comedy or another genre. But for all this desire will not be enough - you need talent and a lot of free time.

You also need to be prepared for refusals from publishers - a normal practice in the work of modern authors.

9. Selling photos in photo banks and photo stocks

This passive income is suitable for photography lovers. Here you need to take high-quality photos and put them up for sale on special platforms.

The income from such an activity is small, but at least a person can combine it with other work and at the same time earn money from what he really likes.

10. Earning money from affiliate (referral) programs or affiliate marketing

Such earnings are based on receiving a percentage of sales.

For example, there is one that sells computer equipment. A person receives a referral link and advertises with it on his website, forums, and social networks. People follow the link, buy the product, and the person receives a percentage for this, set by the owner of the online store.

You don't need to have any specific knowledge here. It is enough to distribute your referral link through all possible channels. The better the channels, the more conversions, purchases, user actions and profit from such earnings.

But it’s still worth noting that you shouldn’t count on high incomes here and it’s better to combine this type of income with other activities from this list.

11. Sale of paid programs for PCs or applications for smartphones

This kind of income is only suitable for people who understand programming.

The point is to develop a useful program or application that can then be sold to the desired target audience.

For example, you can come up with software to automate some processes of online stores. Or an application to simplify some actions for smartphone users. That is, here you need to carefully consider what software will be in demand.

You can sell programs either immediately or through monthly or annual subscriptions. It is also appropriate to make several prices depending on the included options. For example, the starter version might sell for $5, the pro version for $10, and the premium version for $30.

12. Earning money by sending out information

This involves creating a paid online service for sending letters. Such services are actively used by entrepreneurs who, through letters, share useful information about their products, goods, services, announce promotions, discounts and various events.

You will also need to spend on advertising and promotion of the service. With proper marketing, all investments will be returned within 6 months or 1 year, after which passive income will begin, since you will not have to do anything else - except to monitor the proper operation of the service and answer user questions.

Earnings from such a service can be more than $1000. But subject to a large number of users and a competent marketing strategy.

Answers to popular questions about passive income on the Internet

What is the difference between passive income and active income?

Most people are actively making money. They go to work, carry out instructions from their bosses, receive a fixed salary and have no opportunity to increase their income.

Passive income is about investing time, effort or money in the future. That is, a person creates something that will bring money automatically. You don't have to work every day here. With such earnings, income is not fixed. However, the risks here are high: if a person at an official job receives a stable salary, then with passive income on the Internet there is always a risk of a decrease in income due to a number of external factors.

Is it possible to create passive income if there is no money?

Yes, the Internet allows you to create passive income without starting capital. However, the lack of costs is initially covered by a large investment of time and effort. Knowledge in the chosen niche is also required.

How to accept payments online?

Earned money can be received in electronic wallets. The most popular are: Webmoney, Yandex.Money and Qiwi. Some services provide direct withdrawal of money to a bank card.

How to withdraw money from electronic wallets?

All modern electronic wallets allow you to withdraw money directly to a card or bank account. To do this, it is enough to identify your data - send an application and a copy of your passport. But for this procedure you need to reach adulthood.

Are passive income subject to taxes and require individual entrepreneur registration?

Any income of citizens is subject to taxes. Failure to pay or deliberate concealment of income can result in a large fine or imprisonment. To protect yourself from problems with the tax office, it is better to register as individual entrepreneur and pay taxes on simplified system taxation.

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

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

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

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

Our article is aimed at collecting information about all known facts making money online and without it, we will consider:

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

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

Our article was created for those who want:

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

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

What is passive income

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

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

What is the difference between the poor and the rich

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

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

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

Sources of Passive Income

Sources of passive income can be divided into four groups:

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

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

Best Passive Income Ideas

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

TOP 7 profitable ideas for passive income

1. Development of your own website.

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

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

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

2. Creation of an intellectual product.

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

3. Renting out property.

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

4. Receiving payments from the state treasury.

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

5. Financial investments.

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

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

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

6. Network marketing.

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

7. Creating your own business.

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

Options for passive income via the Internet

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

Online earnings options 2018:

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

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