What is passive income and how to create it for an ordinary person? How can you live on the percentage of your investment and never work again. Read about all this below.

1. What is passive income

Passive income- this is a constant and stable source of income that does not require any time costs (or they are minimal)

The main idea of ​​passive income is to create eternal sources of income for yourself and continue to receive profit from them on an ongoing basis. That is, we once created something and then we do nothing in order to receive money. For example, the work we are all used to is an active source of income, since payment is made only when the employee goes to work. Therefore, you need to constantly spend your time.

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

The earlier you think about creating a passive income, the more opportunities you have. You will be able to accumulate 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.

The benefits of passive income

For example, you can set aside money for a bank deposit every month and save a good amount in a year. For 3 years, this amount will be even more solid and perhaps even a percentage of it will be enough for you for 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 put 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, in two years the amount of 1.21 million rubles will be in the account. During the second year, the capital grew 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 cover this topic in more detail in this article:

• Develop your financial literacy. To do this, read books about investment, trading, the philosophy of wealth. You can start with Robert Kiyosaki and continue with exchange literature.
• Create new assets regularly. Look for new opportunities, they are always there.
• Create multiple sources of passive income. Relying on 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 difficult at all and can be done by anyone:

1. Pay yourself. As soon as you have received a salary, first of all set aside a part of the funds for yourself (at least 10%). Usually people, on the contrary, repay debts and spend money, and save what remains. This is a habit of poor people, eliminate it from your life.
2. Save what you put aside. This rule implies that deferred funds cannot be spent.
3. Multiply money. It is necessary to invest money in reliable assets in order to constantly increase your capital. We will talk about the sources of passive income below.
4. Save the multiplied. The resulting profit is best reinvested so that savings grow faster. No need to invest in dubious and overly risky assets.
5. Create several types of assets to minimize your risks. Whatever your total reliable income, it will be even more reliable if you distribute 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, opportunities, wishes, therefore, only you can decide for you what exactly to do. We will only consider in detail the basic options for stable sources of money (for sure, you have already heard about many). We will focus on a mathematical basis to calculate how profitable each option is.

How many sources of passive income you will have is up to you. I can only say that the more of them, the more reliable and richer your life. Therefore, follow the Pareto principle: 20% bring 80% of the result. Put in small efforts in different industries to reap the greatest rewards.

4.1. Bank deposit - a source of passive income

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

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

You don't have to worry about losing money. All deposits are insured by the DIA for the amount of 1.4 million rubles (including interest). That is, it makes no sense to deposit 1.4 million rubles in one bank. It is better to put a little less, so that the interest that will accumulate will be insured. For example, if we are talking about a rate of 8% per annum for a year, then it would be logical to put the amount of 1.27 million rubles and sleep peacefully.

How much can you earn

The yield on the deposit will change at each moment of 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 smallest rates on deposits in the new history of Russia. Previously, there were always offers at 10-12%.

• Reliability of investment (the amount is insured by DIA)
• predictable income
• No action required from the investor
• You can invest any amount
• There is no way to "break loose" and spend money, because. it is necessary to break 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 can not store solid amounts of more than 1.4 million rubles in one bank

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

• Tinkoff. 6% per annum on the 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 the balance. Amount up to 300 thousand rubles.

Summing up, 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, felt. However, their profitability is extremely low, but first things first.

Real estate can be earned in two ways:

1. Rent
2. Resale

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

There are the following types of real estate investments:

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

Large investors buy commercial real estate more often, since the yield from renting out non-residential premises usually brings more profit, and also does not need any repairs. However, this situation occurs 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 because of its high cost. Objects are different, but usually a good place costs as much as 3-5 one-room apartments. Therefore, many people would rather choose the option of buying 3 apartments than one such object.

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

What is the yield

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

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

• High reliability
• Real estate can be seen with the 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 the average market value, plus another 2-3 weeks to complete the transaction)
• There are real estate overheads
• Large investments (apartments cost at least several million rubles)

4.3. Securities

The securities market is traditionally considered one of the most profitable options for increasing money. Yields here are 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 high liquidity allow you to quickly and efficiently manage your capital. Anyone can enter the market, and for this it is enough to have a small investment. I would recommend entering the market with amounts 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 with them. They have low commissions, a wide range of trading instruments.

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

No wonder so many are tempted to get their hands on this Holy Grail. But before you start acting, it is better to consider in detail what passive income is and how it works.

What is passive income and earnings

In simple terms, passive income is creating something ( material or intellectual value), which will allow you to receive money indefinitely without further human participation.

How to create passive income?

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

However, this was too narrow a definition.

According to an authoritative publication Investopedia passive income is "earnings that an individual earns from a rental property, limited liability partnership, or other business in which they are not actively involved."

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

Popular culture in Russia defines passive income in rubles as " any money that can be made lying on the beach and sipping a cold mojito», but this is a delusion.

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

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

What is active income?

Active income is the reward a person receives for the work they do. Regardless of the profession, if a person spends his time and effort in exchange for money, this is active income. Earning options may vary lawyer, doctor, bartender, porter, copywriter, correspondent for a print or online publication), but the principle remains the same.

• The principle of active income: worked - ate.
• The principle of passive income: worked - ate today, tomorrow, the day after tomorrow ...

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

Types and sources of passive income

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

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

Each of these areas and ideas has its own ways of passive income. And choosing the path closest to him, everyone can get acquainted with them in detail.

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

Stocks as a source of passive income on the Internet

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

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

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

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

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

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

One way or another, stock prices go up all the time, and companies that more and more people know about grow hundreds of times.

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

Valuable property and real estate

This type of passive income includes:

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

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

How much can you earn this way? Depending on the chosen direction and market conditions, the yield may be from 15 to 70%. It looks good, but keep in mind that investing in real estate, precious metals, as well as luxury items and collectibles are not passive income in the classical sense. yes it can fit Pareto Law, but nevertheless, a person is required to:

• careful study of current market analytics;
• ability to choose liquid assets;
• careful monitoring of tax affairs;
• the ability to find and attract customers.

There is one more thing - it is desirable to invest for a long time. The real "exhaust" can only be obtained in 5–10 years. During this time, an apartment bought in a new building may rise in price by 30–40%, and various antique values ​​​​and even more. This type of passive income basically does not require anything from you - you bought it and keep it, and after n amount of time you sold it.

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

Earnings on PAMM investment

For those who are not well versed in stock trading, investment solutions from offering such opportunities as either automatic copying of transactions of successful traders or.

The bottom line is to invest in managers on the currency exchange. Traders will not take a large percentage of the profits, but they will also earn money for you. Thus, it benefits everyone.

In order to make it easier for users to choose the most suitable option, all brokers provide a manager's profitability rating, where you can clearly see their success both in the short and long term.

The profitability of investments in traders largely depends on the professionalism and the situation on the markets and may fluctuate from 30 to 150% per annum and you don't have to do anything yourself.

Creation of intellectual property

The most soft for those who want to create a passive income from scratch.

For people with valuable knowledge, experience or good creative abilities, passive income without investment can be obtained through

• audio creation,
• video,
• charts,
• text materials of artistic or scientific content.

There can be a great many ideas for this part:

• writing books
• scenarios
• music
• software

with the subsequent receipt of both royalties for the work itself, and royalties, which will be paid whenever others want to use your work.

And although large amounts of earnings do not shine here for everyone, the availability of methods makes this direction very attractive.

Bank deposits

The most popular and simple passive income in rubles is opening a bank deposit.

That is, in principle, you can put money in the bank and live on one percent. The main advantages of this option:

• extreme simplicity of the process;
• you don’t have to do anything at all (just come to the bank, conclude an agreement and give the money to the cashier);
• relatively low risk of loss.

However, there are also negative points. The first is more than modest profitability. The average rate of large banks is no more than 7-8% per annum. Lesser established institutions offer 8–11% in rubles or 2-3% in dollars.

In order to earn at least $1000 per month at a bet in 2% per annum, you must already have 600 thousand dollars, which will always lie on the deposit "dead weight".

Creating and optimizing your own business

Any business is painstaking and hard work. But only for the time being. According to the American financier Tim Ferriss The success of any business is determined by its return.

1. Its first phase involves a solid cash injection and constant control by the owner. It takes about 4-5 years. In some cases, up to 10 years.
2. After that, the business evolves into the second phase and comes into line with the already mentioned Pareto Law - it provides its owner with 80% of the result with 20% of the effort. At this stage, there are no longer any problems with how to create a passive income based on it.

A business owner can shift the lion's share of worries to the management staff, and he can concentrate on things that are interesting to him or other promising business.

How to get passive income in Russia

It is not much more difficult to organize the creation of passive income in the Russian Federation than in any other country in the world. However, there are also some nuances. Russia, for example, cannot be called " safe harbor”, therefore, investing in shares of Russian companies in the long term requires particularly careful calculations and a willingness to quickly look for new solutions. However, nothing prevents you from buying shares of foreign companies through or.

The real estate market here is also notable for its heterogeneity. For example, if by 70% territory of the Russian Federation, real estate prices behave predictably and in accordance with global forecasts, in regions such as MSC or St. Petersburg predicting price movements is sometimes very difficult. During a period of general boom, relative calm can reign here, and vice versa, when there is a crisis and stagnation everywhere, the volume of real estate transactions in Moscow, for example, can go off scale.

As a conclusion

As you can see, passive income is real, however, it is not always passive on 100% , as some authors of various trainings and training materials who are not too honest at hand like to say.

Nevertheless, in any option of passive income, it will not have a boss in front of you, a work schedule, and in the case of passive income on the Internet like stocks or trust management - a territorial binding.

A lot needs to be done at first initially unpaid) work to get a profit and get a stable inflow of money.

Passive income has many benefits, but like everything else, there are trade-offs. Initially, it is difficult to get a lot of return from it, so you have to put up with the need to go to a regular job, and maybe even more than one, in order to raise money for a start. And only those who are ready to mobilize efforts and forget what laziness will be able to succeed here.

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Many do not like to go to work from 9 to 6, and how to live without hired work is not taught at school. However, the idea of ​​sustenance by interest and dividends exists in the minds of the masses. Financially literate people have heard about the sources of passive income, and real purposeful businessmen are looking for how to create passive income from scratch.

What is passive income?

The idea of ​​passive income comes from researching and studying the topic of financial independence. It is those who set out to get rich or achieve financial freedom who seek to build passive income, which is also residual income.

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

The word “passive” hints that you don’t have to work regularly to make a profit. That is, a person lives freely at his own discretion, and money “drops” to him. However, this understanding is deceptive. As will be shown below, to create sources of passive income, you also need to sweat, however, often - one-time, 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 leave 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 desired 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 objects of intellectual property or received a patent;
• rental income- from the lease of real estate;
• royalty- for the sale of the franchise.

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

• operating business income- (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 in a startup or a 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 freelancers and businessmen may have. We are talking about additional profit from the volume of goods sold without the participation of the recipient of income. For example, a copywriter who writes a sales text is paid a fee in the form of a percentage of the sales profit from each use of this text by the customer during the year or other agreed period.

Passive income without investment

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

4 ways to create passive income without investments:

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

Creating a copyright object

This way to create passive income from scratch is suitable for creative people: composers, songwriters, writers, as well as inventors.

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

The patent also allows inventors to receive remuneration for the use of the result of their intellectual work.

This method is good because you 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 copyright compliance will have to be monitored.

Creation of a business system without the constant participation of the founder

This method is a passive income business. Creating a company that benefits people, and the owner and founder - income, is real, although not easy. The vast majority of small businesses belong to the type of enterprises 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 the goal of creating passive income from scratch. After all, what is passive income? This is the profit from a one-time invested effort, which 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 complete system with all the necessary employees, including a third-party CEO. Then the founder will rightfully be able to say that he has created passive income.

Starting 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 well-established business, or build such a business.

The idea is 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 to create your own company. From the point of view of the fact that it is possible to manage only with effort and time, without financial investments - yes, this is possible, even if you have to attract third-party investors in order to finance a new organization.

Capital accumulation: money makes money

One of the most popular passive income ideas to get rich and financially independent is the idea, “Money makes money.” It describes the simple fact that it is not necessary to invest man-hours in order to earn more, even passively.

However, in order to invest money, and they began to bring more profit, it is necessary to raise start-up capital. It won't work otherwise.

Therefore, technically it will be passive income from scratch, because you need 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, wages, or any other income that is available. Thus, a sufficient amount will gradually be collected for investments in bank deposits, the purchase of securities or bonds.

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

Top 10 Passive Income Ideas

Let's dwell on the most popular ways to create additional income without a constant investment of time.

1. Bank deposit

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

Secondly, banks provide guarantees - although this sounds especially doubtful 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, deposit options are diverse, so passive income is real even with investments of 3,000 rubles or more. There are special deposits with a higher percentage for pensioners.

2. Securities (mutual funds)

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

Although the method was especially popular before the crisis of 2008-2010, one cannot count on quick profits, because investing in shares is arranged in such a way that such income becomes tangible after a long time. Therefore, if a couple of millions in US currency are not available, then investments will have to be held for several years or decades.

3. Renting out housing or offices

You can earn a steady income from rental property. This will be precisely the residual income, since one-time efforts are required to find a tenant and repair the premises, otherwise maintaining a good condition of residential or non-residential property will require a minimum of time.

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

4. Opening your own business

In order to create passive income without investing money, many former employees are retraining as businessmen and entrepreneurs. Indeed, if you create a business that works autonomously, with its own manager and hired labor, then you can get a good income.

5. Venture investments

Passive business income 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 a passive income with high interest on invested capital, but do not think of themselves as an entrepreneur, the way out is to invest in other people's companies. If you understand who to invest in, then the passive income of the investment will be very high.

6. Create a work of art

By writing a book, by composing a song or music, by making an invention, you can create passive income from scratch. After all, the royalties for the subject of intellectual property will come 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 increase, but is very risky, which the firms themselves do not like to report. If you make such investments, passive income will be 18-70% per annum and even more.

8. Site creation

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

Worries a lot of people. The explanation for this is very simple - everyone would like to be able to earn money without bothering with any work. This is the idea of ​​passive income - to earn money without labor.

Especially the desire to start looking for such a "source of money" is aggravated during periods when a person encounters difficulties in his main job and realizes that he does not want to deal with routine shifting of papers all his life, but would like to devote more time to himself, his family, rest and self-development.

In this article, we will try to describe the most affordable passive income business ideas. Perhaps those who read it will be inspired and find their own such source!

Rental

One of the most popular and simplest, perhaps, is the income from the rental of property. Such an idea is elementary in terms of resources for organizing such an income - it is enough to find tenants for an object that you own. On the other hand, the difficulty is, firstly, obtaining ownership of what you would like to rent; and secondly, the achievement of profitability. Let's explain in more detail.

A great passive income idea is renting out an apartment in the city center. What are the difficulties here? Firstly, not everyone owns such a property. This is the main problem. Secondly, if you have such an apartment, you need to find a tenant for it. Thirdly, this person should be offered a rental rate that he can afford and, moreover, that would be beneficial to you. This should also include the cost of cleaning the apartment after the congress of the tenants, as well as depreciation costs.

In the apartment example, everything looks quite simple - it is for this reason that so many people are engaged in such activities today. And let's take, for example, a more complicated object - some non-residential premises located on the outskirts of the city. You, as the owner, will not be easy to find a person interested in such an object.

However, in order to receive such passive income, you can sublet something. This is, for example, when you rent an apartment by the month, and rent it out by the day. The benefit received is the difference between the rent and the money returned to the owner.

Copyright

A good passive income can promise the creation of some unique protected object. For example, it can be a musical composition, a computer program, a film or an image. With the protection of rights to music, of course, everything is very bad in our country - copyright holders can only earn money at concerts. Films make a profit on royalties from cinemas and on the fact that they are bought by TV channels. But with a program or a picture, everything is easier. In the first case, you can, say, start selling copies of your development directly on the Internet, receiving money for each installation. In the second, by posting an image on photo hosting sites, you will also generate real passive income.

Ideas don't end with these objects - you can come up with something to patent it and live on royalty payments for using it.

Business creation

Of course, another fairly common way to organize passive income is your own business. It can be anything - a store, a cafe, some kind of service that provides services, and so on. The advantages of this passive income idea are obvious: by creating one working business and hiring the right staff, you can move away from control over it a bit and develop other projects in parallel. Thus, we can talk about scaling up and growing your income.

The disadvantage of owning a business is a high level of risk and a lot of difficulties that beginner entrepreneurs face. Also, we should not forget about the start-up capital, which varies depending on what you would like to do. However, this is a topic for another article.

Online project

The development of the Internet has led to the emergence of another large and global area for business. Now everyone can start their own business online. It is noteworthy that the cost of creating such a business can be much lower than investing in a real business. But at the same time, you should not hope that working on the Internet is easy - the competition here is no less than in real life. But by launching a once successful project, you can get a guaranteed passive income.

Ideas of what kind of resource it could be (a news blog, a service, a catalog, a store, and so on) are not limited by anything.

Investment

Another obvious passive income idea is investing. There are several disadvantages here - high risk and the need to have money for investments. Assessing the degree of risk, the investor decides where he would like to invest, after which he begins to receive dividends. The latter is the whole point of the idea of ​​passive income.

Passive income ideas in a small town are just as relevant as they are in a big city. Investing as a passive income tool justifies itself everywhere and always, the main thing here is to correctly assess the likelihood of making a profit or losing money. It already depends on the area of ​​investment.

conclusions

Of course, the best passive income ideas always remain unknown to the vast majority of people. And only those who have them and who implement them begin to apply them. On the one hand, this is bad for those who do not know what to do to receive such income. On the other hand, everyone has the opportunity to launch their own source of passive income.

If there is money, it can be renting out an object or investing in something. If there is no money, then you can create one based on an interesting idea, or launch your own Internet project. In this case, you will find long-term hard work, which will certainly lead to success.

And the best passive income idea is the one that works! Good luck in your endeavors!

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

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

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

Why are we not a rentier

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

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

Everyone has heard the expression "money to money". What does it mean? Nowadays, a situation is not uncommon when, having a generally good salary, a person "eats" it completely, buys things on credit and borrows money from relatives and friends from payday to payday. This goes on for years and decades.

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

Do you recognize yourself?

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

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

There is progress...

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

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

Let's go to the authorities

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

Another "pro" in financial matters by the name of Rockefeller once uttered a phrase that a person who works full time has absolutely no time to earn money. For all the paradoxical nature of this saying, its wisdom lies on the surface - indeed, working in the office or in production, each of us is able to earn for himself personally only for current expenses to maintain everyday existence. For actions leading to wealth and well-being, there is neither strength nor free time left.

The conclusion is this: the main resource is time, which is well known to any of the wealthy people. The idea of ​​passive income is based on the correct distribution of this invaluable asset. And only having achieved this, you can start moving towards financial success. Everyone knows that all those who have achieved wealth initially had a specific list of goals. Well, the third, most important component for creating passive income is active, purposeful work over a number of months or even years.

The result should be a legitimate opportunity to quit a job you hate and start living on the dividends.

Passive income: examples and options

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

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

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

"Partnerships" - an interesting topic

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

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

Other income without investment

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

What is meant by the concept of a personal brand? This is a commercial use of a famous name. An example is shooting in commercials for movie, television and sports stars. Becoming the "face" of a particular brand, they get good money.

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

Going online

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

Of course, your own blog or website will bring you a monetary return far from immediately. It will take at least six months, and most likely a year or two, to promote it and bring it to an acceptable level. All this time you have to work on your own project on a regular basis, optimize it and bring it to perfection. This work will take several hours daily. However, you can count on the first small revenues in a few months from the start.

Having created and promoted a site, you can sell it, and for a very good amount. It is quite possible for a person who has mastered this technology to organize his own business for the "production" and further sale of profitable Internet pages.

How do they earn money? The most popular methods include generating income by placing contextual advertising blocks and similar articles on resource pages, of course, not for free. Affiliate links are placed on the sites and advertising space is sold, they also actively offer training courses to buyers, both their own and partners.

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

For those who are not deprived of intelligence

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

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

Let's get down to earth

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

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

Do you want to become a shareholder?

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

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

Investments in securities have certain advantages compared to, for example, bank deposits, in the form of a higher rate of return, but at the same time, the high risk of losing invested funds sometimes crosses out all the advantages. When you decide to dive into the world of stocks, mutual funds and PAMM accounts, remember that with the exception of long-term bonds, stable income is not so easy to achieve here, and the risk of incurring significant losses is always quite high.

Everything can be sold!

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

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

Do you need a lot of money?

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

Even earnings without investments are quite real, or you can earn money on the accumulation of a small initial capital right here, on the Internet.

There are a huge number of options for starting and promoting your own business, both online and in real reality itself. In "life", of course, this requires large expenditures and overcoming many difficulties of an organizational and legal nature. In addition, the competition here is very, very high. But still, looking around carefully, you can look after your own niche, not yet occupied by rivals.

What's in real life?

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

In a small article, we do not have the opportunity to consider all types of passive income - there are very, very many of them. Its options are offered to us today by the mass media, and the Internet has been and remains their indispensable source. We want to end our material with important tips.

A few parting words

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

The principles of creating passive income do not carry any special secrets. If you are determined to succeed, have the necessary minimum knowledge and a certain amount of free time, the result will most likely please you sooner or later.