Alexey Zenkov

When someone is looking for an opportunity to earn extra income, most often they are advised to find a temporary part-time job. But what if you don't have the time or energy for this? In this case, you need to find ways to generate passive income - earning money with a small investment of time and effort on your part.

1. Try index funds

Index funds allow you to earn income from investing in the stock market completely passively. For example, if you invest in a fund based on the S&P 500 index, your money will be invested in the overall market, and you won't have to worry about how to manage your money or whether to sell or buy shares of certain companies. All these points will be managed by the fund, which forms its investment portfolio depending on the state of a particular index.

You can also choose a fund that covers any index. There are funds involved in various business sectors - energy, precious metals, banking, emerging markets and others. All you have to do is decide for yourself that this is what you want to do, then invest the money and relax. From now on, your stock portfolio will run on autopilot.

1. Make videos for YouTube

This area is developing very quickly. You can make videos of absolutely any category - music, educational, comedy, movie reviews - anything... and then post it on YouTube. Then you can connect Google AdSense to these videos, and automatic advertising will appear in them. When viewers click on these ads, you will earn money from Google AdSense.

Your main task is to create decent videos, promote them on social networks and maintain a sufficient number of them to provide yourself with income from several clips. Shooting and editing a video is not that easy, but once done, you will have a source of completely passive income that can last for a very long time.

Not sure you'll succeed on YouTube? Michelle Phan combined her love of makeup and drawing with video production, gained more than 8 million subscribers, and now launched her own company with a capitalization of $800 million.

1. Try Affiliate Marketing and Start Selling

This is a passive income technique that is more suitable for owners of blogs and active Internet sites. You can start promoting any products on your website and receive a fixed fee or a percentage of sales.

Making money this way is not as difficult as you might think because many companies are interested in selling their products in as many places as possible.

You can find partnership offers either by contacting manufacturers directly or on specialized websites. It is best if the advertised product or service is interesting to you or matches the theme of the site.

1. Make your photos profitable online

Do you like photography? If so, you may be able to turn this into a source of passive income. Photo banks, such as and, can provide you with a platform for selling photos. You will receive a percentage or flat rate for each photo sold to a website client.

In this case, each photo represents a separate source of income that can work again and again. All you need to do is create a portfolio, upload it to one or more platforms, and that's where your active work will end. All technical issues of photo sales are resolved using the web platform.

1. Buy high-yield stocks

By creating a portfolio of high-yield stocks, you will receive a source of regular passive income with an annual interest rate that is much higher than the interest on bank deposits.

Don't forget that high-yielding stocks are still stocks, so there's always the possibility of capital overvaluation. In this case, you will receive profit from two sources - from dividends and return on invested capital. To purchase these shares and complete the appropriate forms, you will need to create a brokerage account.

1. Write an e-book

Of course, this can be quite a time-consuming process, but once you write a book and publish it on marketplaces, it can provide you with income for years. You can sell the book on your own website or enter into a partnership agreement with other websites that are similar in theme to the book.

1. Write a real book and get royalties

Just like writing an e-book, there's a lot of work involved at first. But when the work is completed and the book goes on sale, it will become a completely passive source of income.

This is especially true if you manage to sell your book to a publisher who will pay you a royalty on the sales. You will receive a percentage of each copy sold, and if the book is popular, these percentages can add up to significant amounts. Moreover, these payments can last for years.

Mike Piper of ObviousInvestor.com recently did just that. He wrote a book, Investing Plain, which was sold only on Amazon. The first book became so profitable that he created a whole series. These books total .

1. Get cashback on credit card transactions

Many credit cards offer cash back ranging from 1% to 5% of the purchase price. You still go shopping and spend money, right?

Such bonuses allow you to provide yourself with a kind of passive “income” (in the form of reduced spending) from actions that you perform anyway.

1. Sell ​​your own products online

The possibilities in this area are endless: you can sell almost any product or service. It could be something you created and made yourself, or it could be a digital product (software, DVDs, or instructional videos)

For trading, you can use a specialized resource, if suddenly you do not have your own website or blog. In addition, you can enter into a partnership agreement by offering goods to sites on relevant topics or using platforms like (American marketplace for selling digital information products - editor's note).

You can learn how to sell products online and earn quite a lot from it. This may not be completely passive income, but it is certainly more passive than a regular job that you have to go to every morning.

1. Invest in real estate

This method falls more into the category of semi-passive income, since investing in real estate involves at least a small level of activity. However, if you have a property that you're already renting out, it's mostly just a matter of maintaining it.

Additionally, there are professional property managers who can manage your property for a commission of approximately 10% of the rent. Such professional managers help make the process of receiving profits from such investments more passive, but they will take part of it.

Another way to invest in real estate is to pay off a loan. If you take out a loan to buy a property that you will rent out, your tenants will pay off that debt a little each month. When the full amount is paid, your profits will increase dramatically, and your relatively small investment will turn into a full-fledged program for quitting your day job.

1. Buy a blog

Thousands of blogs are created every year, and many of them end up abandoned after some time. If you can acquire a blog with enough visitors—and therefore enough cash flow—it can be a great source of passive income.

Most blogs use Google AdSense, which pays once a month for advertising placed on the site. To provide additional income, you can also enter into partnership agreements. Both of these income streams will be yours if you own a blog.

From a financial perspective, blogs typically sell for 24 times the monthly income the blog can generate. That is, if a site can earn $250 per month, most likely you can buy it for $3,000. This means that by investing $3,000, you can receive $1,500 annually.

You may be able to buy the site for less money if the owner really wants to get rid of this asset. Some sites contain “eternal” materials that will not lose relevance and will generate income years after publication.

Bonus tip: If you buy such a site and then fill it with fresh content, you will be able to increase your monthly income, and you will be able to sell the site again after some time for a significantly higher price than you paid when buying it.

Finally, instead of purchasing a blog, you can create your own. This is also a good way to earn money.

1. Create a website that sells

If there is a product that you know a lot about, you can start selling it on a specialized website. The technique is the same as when selling a product of your own making, except that you do not have to deal with the production itself.

After some time, you may find that you can add similar products. If this happens, the site will begin to generate significant profits.

If you can find a way to ship products directly from the manufacturer to the buyer, you won't even have to get your hands dirty. This may not be 100% passive income, but it’s very close to it.

1. Invest in real estate investment trusts (REITs)

Let's say you decide to invest in real estate, but you don't want to devote any attention or time to it. Investment trusts can help you with this. They are something like a fund that owns various real estate projects. The funds are managed by professionals, so you don't have to interfere with their work at all.

One of the main advantages of investing in REITs is that they typically pay higher dividends than stocks, bonds and bank deposits. You can also sell your interest in the trust at any time, making such assets more liquid than owning real estate on your own.

1. Become a passive business partner

Do you know a successful company that needs capital to expand its business? If so, you can become something of a short-term angel and provide that capital. But instead of giving a loan to the owner of the company, ask for a share of the shares. In this case, the owner of the company will manage the work of the company, while you will be a passive partner, also taking part in the business.

Every small business needs a source of referrals to support sales. Make a list of entrepreneurs whose services you use regularly and whom you can recommend for cooperation. Contact them and find out if they have a system for paying for referrals.

The list could include acquaintances: accountants, landscape designers, electricians, plumbers, carpet cleaners—anyone. Be prepared to recommend the services of these people to your friends, relatives and colleagues. You can earn a commission on every referral just by talking to people.

Don’t underestimate referral programs in the professional sphere either. If the company you work for offers bonuses for referring new employees or new clients, take advantage of it. This is very easy money.

1. Rent out your unused property on Airbnb

The concept appeared only a few years ago, but very quickly spread throughout the world. Airbnb allows people to travel the world and pay much less to stay than in regular hotels. By participating in Airbnb, you can use your home to host guests and earn extra money just from renting.

The amount of income will depend on the size and condition of your home and its location. Naturally, if your home is located in an expensive city or near a popular resort, the income will be much higher. This is a way to make money from free spaces in your home that would otherwise be empty.

1. Write an application

Apps can be an incredibly lucrative source of income. Think about how many people have smartphones today. Yes, almost everything! People are downloading apps like crazy—and for good reason.

Apps make people's lives easier. Whether it's helping you post pretty pictures or keeping track of tasks, there's always an app that's useful to someone.

You might ask: If there are so many apps out there, why would you try to create another one? Is there too much competition? This is all true, but fresh, creative ideas can benefit. If you can come up with something unique, you can make money from it.

Don't know how to program? No problem, you can learn. There are a lot of different courses on the Internet, including free ones. Alternatively, you can hire a developer to create an app based on your idea.

The end result is an application that will potentially generate relatively passive income.

1. Create online courses

Every person is an expert in something. Why not create an online course about your passion?

There are several ways to create and deliver your own online courses. One of the easiest ways is to use sites like

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

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

Features of creating passive income and its difference from active

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

The money arrives into the account by itself.

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

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

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

Receipts will occur over a certain period of time.

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

Many people talk about this in their books and interviews.

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

How to create passive income: 14 best ideas

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

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

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

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

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

An alternative to the website is maintaining a VKontakte group.

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

What if there are five such groups?

Selling your own seminars and training courses.

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

The most difficult thing is recruiting listeners.

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

Write a book.

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

Create an intelligent product.

For example, a computer program.

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

Or a car.

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

Renting a salon, hairdresser's place.


The average price of one seat in a salon per month is 8,000 in a small city, and the average price of a salon is more than 20,000 rubles.

1. Government payments.

   They can be received by disabled people, large families or people who have retired due to age.

   Bank deposit.

   Investing money in a bank as a deposit is not a big passive income, but for the most part allows you to save money.

   However, it is still quite possible to receive not an extra 3-10 thousand per month from a large amount.

   Sale of securities and mutual funds.

   A good option for long-term capital investment with the aim of making a profit.

   However, it must be approached very carefully.

   Gather all the information about the organization in which you are investing your money.

   Income from shares becomes large only after about 7 years have passed since their acquisition.

   Own business.

   A very good option for receiving passive income, but it requires a lot of effort and time before it starts to generate profit.

   Venture investments and profits.

   To receive venture capital royalties, you must invest in a newly launched company.

   After a few years, you can start receiving a very substantial amount, depending on the amount of the contribution.

   Investing money in investment and trust organizations.

   Profit is generated through the redistribution of capital.

   However, in this case there is a high risk of losing your investment.

   Purchase of housing under construction and its sale after construction.

   A profitable option if you have the funds to purchase one or more apartments under construction.

   You will buy it for 500,000 rubles, and sell it for 1,000,000.

   However, most likely, you will have to make repairs, at least cosmetically.

   When choosing a developer, you should be extremely careful.

   Buy housing only from reliable, well-known developers who have been working in the housing market for several years.

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

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

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

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

12 tips for beginning businessmen to create passive income

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

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

Look for new assets that will later turn into liabilities.

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

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

Live the life that rich people lead.

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

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

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

Calculate the risks of losing your invested money.

If the risks are minimal, take the risk.

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

Think about your future every day.

Decide what you want to achieve.

Open your website on the Internet and develop it.

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

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

Don't try everything at once.

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

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

How to create passive income on the Internet?

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

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

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

Choose the business that you are best at.

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

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

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

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

How to create passive income and gain financial freedom?

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

We have selected the best ideas:

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

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

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

When you make a profit, invest it again.

Develop yourself.

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

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

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

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

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Many people dream of passive income and ask: “How to create passive income from scratch? Where can I find proven passive income ideas? But not many people know that today this type of income has become available to everyone. And largely thanks to His Majesty the Internet! In this article, I will expand on the concept of “passive income” (residual income), talk about the sources of this type of income and describe several ideas for creating it that I use myself.

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

is a type of income characterized by stable cash inflows, regardless of daily activities. Most likely, you have already encountered (or heard of) people who live off passive income. These people usually "don't go to work." Such people are called rentiers.

A rentier is a person who lives off rent - income received from the capital that he placed in business, deposits, income-generating real estate, securities, as well as income from copyrights.

For example, you are an expert in a certain field. This means you can “sell” your knowledge by recording a training course (audio or video, it doesn’t matter). You have created a high-quality course once, and it will generate income for you whenever someone buys it (this can last for more than one year).

We have defined the concept of passive income. Now answer this question for yourself:

Why do you need passive income?

Many are attracted by luxurious life - luxurious beaches and houses, cars and yachts. But some people take this life calmly and are happy with what they have. I am one of these people because I understand that a luxurious life is just the tip of the iceberg.

I think the main advantage of building passive income is that you will be able to free up your precious time for your favorite activity, which you cannot do now because you are “working at work.” I know people who would like to devote themselves to serving other people - the homeless, children in orphanages.

With the help of passive income, you can start making your dreams come true.

2. “Money goes to money”?

The expression “money leads to money” quite often justifies itself. Today, it so happens that people with average incomes spend all the money they earn without a trace, purchase goods on credit and borrow from friends and acquaintances until their salary or advance payment.

Why does it happen that people 30–40 years old cannot earn a good living? Now I will answer this question.

IMPORTANT! The point is: people don't know how to focus on creating assets. capable of solving material problems. It turns out that people are driving themselves into financial slavery, which is flourishing these days.

The educational cartoon, which you will find at the end of the article, presents the basics of personal finance in simple language and classifies people depending on their ability to manage them (which category do you belong to?):

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

2. Kamikaze (financial). Their p A collections are approximately equal to their income, assets are negative. They often look wealthy: they have an apartment, a car... However, this is all on credit. They walk on the razor's edge, and in case of unforeseen circumstances they easily fall into the ranks of financial zombies!

3. Maniacs (financial). Their income is equal to or slightly higher than their expenses, and their assets are zero. They usually have no debts, but they also have no savings. They are at the mercy of the consumerism syndrome: they never have extra money, because they will always find something to spend it on right away.

4. Turtles (financial). Their income exceeds their expenses and their assets are positive. They have no or minimal debts, they have savings. But like turtles, they accumulate slowly, because they prefer to keep their savings under the mattress, and the most advanced turtles - in a bank.

5. Sages (financial). Their income exceeds their expenses, their assets are positive. They differ from turtles in the level of investment. Investments of net assets generate passive income for them.

Do you recognize yourself from the description? For example, I see that since I started thinking about personal finance and studying books on financial literacy, I gradually began to move towards the 5th category.

In order to learn how to create assets, I highly recommend that you read books on financial literacy by the famous businessman and investor Robert Kiyosaki. And be sure to give these books to your children to read. Start with books Rich dad, poor dad And Cash Flow Quadrant. If you prefer books in “paper” form, you can purchase them, for example, on Ozone (they have free delivery) - Rich dad, poor dad , Cash flow quadrant.

I like Kiyosaki’s simple but very effective advice for creating your own asset. As soon as you receive some income, you begin to distribute it to others - pay for an apartment, for school, for a hairdresser, for a concierge at the entrance. You give your money to everyone, but not to yourself! This is a fatal mistake for everyone who has not yet built passive income.

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

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

I can’t believe it?! Look at the screenshot: a deposit at 12% with monthly top-ups of only $30 ($1 per day) with monthly capitalization will turn into 2.7 million hryvnia or 7 million rubles ($108,000). And it's only $1 a day.

TIP #2: UNDERSTAND that someone who works all day has no time to make money!

John Rockefeller said: “He who works all day has no time to earn money!” Think about his words.

Indeed, working in an enterprise, production, office, or no matter where, people earn money for “current” expenses. And you can become a millionaire only in your free time from your main job.

It follows that TIME IS OUR MAIN WEALTH. Remember: “Time is money” - this is what wealthy people take advantage of.

Let's consider the day of an ordinary person: in the morning he goes to work, in the afternoon he works all day, in the evening he goes home. On the way home, perhaps he goes to shops, cafes, and at home - dinner and TV. Naturally, such monotony does not set the stage for progress in the future, especially if you take into account that many make money by doing something they don’t really like to do.

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

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

The famous financial literacy specialist Robert Kiyosaki, whom I mentioned above, DEFINED WEALTH BY THE LENGTH OF TIME during which, while continuing to live comfortably, a person can not work.

"Cash flow"- this is the name of the world-famous game by Robert Kiyosaki, which can help you figure out how to “turn time into money” by creating a constant passive income.

There are several versions of the Cash Flow game - 101, 202, 303 and 404. Each of them teaches investing skills, building your own business and competent handling of personal finances. Don't think this is just child's play. The game “Cashflow” will be interesting and challenging for all adults - not only for an office worker, but also for the owner of his own large business.

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

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

IMPORTANT! I think you already understand that to build passive income, the first thing you need to do is learn financial literacy. Neither our parents, nor schools, nor universities give us this knowledge. Even if you work as an accountant in a large enterprise or a financial analyst in a bank, this does not always mean that you have knowledge in the field of personal finance.

3. Types and sources of passive income

We answered the question, what is passive income? I think it’s time to satisfy your curiosity by revealing the “secrets” of ways to create and sources of passive income. We will talk about this later. You just need to choose the method that suits you.

Many are not happy with the fact that they will have to wait (months, years). But we need to get out of this psychological trap. Think about it, working age lasts 25–40 years, ending with retirement age and receiving a pension, which can hardly be called “deserved and worthy.”

It turns out that we can work for several decades doing something that you don’t really like, but ensuring financial independence for ourselves is “beyond our strength.” But you will have the opportunity to retire much earlier than the period established by the state (not at 55 or 60 years old, but at 35 - 45).

Are you sure you want to create passive income so you can have more free time? Then start TODAY to take decisive action in this direction. Make up your mind and take action!

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

There are 4 types of passive income:

• investment (financial),
• intellectual,
• marketing,
• legal (required by law).

Agree, not very much. The types of passive income in Russia are the same as in other countries in the world. Now let’s figure out what ways you can provide passive income.

1st type. Investment (financial) passive income

Created in case of investment (investment) of funds in certain financial instruments and items. From the investment we receive a certain amount in the form of interest or profit.

Sources of profit can be:

• real estate;
• bank deposit;
• securities;
• our business (if we buy it);
• equipment (if you rent it out).

2nd type. Intellectual passive income

Sources of income can be:

• Royalty;
• Patent for invention (technology)

If you don’t like the idea of ​​creating an information product yourself, you can earn income from promoting other people’s information products through affiliate programs. I myself earn income from this online business. I consider Evgeniy Vergus to be the main expert on making money on affiliate programs. You can immediately start earning money while studying this course. "PARTNER SALES WORKSHOP". You can easily recoup the cost of the course by studying the course and at the same time earning money by advertising affiliate information products. *

3rd type. Marketing Passive Income

This type of income is possible if you create a marketing system(s). For example, your website on the Internet or a personal brand for rent. Either one or several options are possible.

Personal branding involves using your name for commercial purposes.

For example, screen and sports stars are often involved in filming advertisements, thus becoming the “face” of a certain brand or company. They receive decent fees for using their name.

In this case, sources of passive income can be:

• own developed network marketing structure;
• commercial structures using your personal brand;
• your website;
• a business that generates profit from the operation of a marketing system (for example, an information business).

All these sources of passive income will provide you with passive income on the Internet without investment.

4th type. Legal passive income

I think there is no particular need to dwell on this view. I will only note that these are payments due to you “according to the Law.” By the way, there are people who rely on this type of passive income. For example, civilians work under contract in military units for low pay. But then they retire earlier and are guaranteed to receive a “military” pension.

4. Ideas for creating passive income

You have already learned about the types and sources of passive income. It's time to get acquainted with the options for creating it.

I propose to consider the most common and relevant ideas. Perhaps one of them will suit you to ensure a regular cash flow.

1. Information site or blog

If you know how or want to learn how to create and launch websites, and know the basic principles of marketing, then you can organize passive income, practically from scratch. It’s not for nothing that organizing passive income using the Internet is becoming increasingly popular.

For example, the blog you are currently on also generates passive income.

In addition to the above skills, you will need free time, as well as a desire to learn. You you can make your own website even if you do not have any special technical skills. Especially for those who decide to make money with their blog or information site, I have prepared a series of articles with step-by-step instructions, videos and screenshots. In less than a week you will have your website ready for content. Here is the link .

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

Do not be mistaken that by creating a website, you have done everything necessary to receive passive income, and now you can “sit back.” No! To turn a site into a full-fledged “money machine” you will have to work on it for 1-2 years. But you will start receiving your first money within a few months after the start of the project.

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

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

The arithmetic is simple: If your website brings in 10 thousand rubles a month, then you can sell it for 200 thousand rubles. and more expensive.

Therefore, you can make money by creating income-generating websites and organize your business in this way.

Ways to make money on your website:

• placement of contextual advertising;
• placement of paid advertising articles;
• sale of advertising space;
• placement of affiliate links;
• selling your own training courses.

2. Intelligent product

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

Let's consider an example of passive income, when an intellectual product (a book) made the author a millionaire. Today, it is perhaps difficult to find a person who does not know the name JK Rowling. But it was the books about Harry Potter that brought her a multimillion-dollar fortune.

An invention, a fundamentally new industrial design or technology can also become a source of passive income. They will be your intangible asset.

An intangible asset is a product of intellectual labor that, without having a material form, is capable of generating income. For example, a patent for an invention, trademark or brand.

3. Property rental

Of course, the most common way is to rent out real estate. But let's look at other passive income options. For example, construction, commercial or production equipment and other expensive things. Moreover, passive income from real estate is often lower than from equipment.

For example, by purchasing construction equipment and tools, you can rent them out, thus organizing your business. If a drill or hammer drill costs, for example, 20 thousand rubles, then you can rent out the tool for 100 - 500 rubles per day. The tool will pay for itself in a fairly short period of time (less than a month).

4. Securities, bank PAMM accounts, mutual funds

One of the common ways to create passive income is by investing in financial instruments.

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

Of course, there are advantages to investments (higher income compared to a bank deposit), but they also have disadvantages, namely: high risks.

PAMM accounts, mutual funds and securities are not able to provide stable income (excluding bonds). There is a high risk of losses. Take this into account!

5. Network Marketing

Network marketing is considered one of the most affordable ways to create passive income. Perhaps because the first investment usually does not exceed $100.

The condition under which you can organize this kind of passive income is communication skills. Because in this case you will need to be able to communicate with people, win them over, ensuring friendly communication. The main thing is that you do not fall into a financial pyramid!

To protect yourself from this risk, check out this helpful article “What is a financial pyramid?” .

6. Own business

Organizing an entrepreneurial project is perhaps the best way to create passive income.

Internet business is suitable for people with any financial situation at the moment. Even if you do not have large enough finances, the network can provide opportunities to start with virtually no investment. Thus, your income will gradually turn from “active” to “passive”.

The most difficult step towards starting your own business is simply making a final and irrevocable decision. It's best to start with a simple business without investment. With organization ideas business without investment for beginners entrepreneurs read . The information in this article will help you organize a business and create passive income from scratch.

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

I highly recommend investing in a vending business, where machines work for you and you receive income. The potential of this business, based on statistics, is huge!

5. Recommendations and tips for acquiring financial independence

You have already become acquainted with the concept of “passive income” and learned about its types and methods of organization, about the ideas of passive income. You know enough to take action. As soon as you make up your mind and start taking action, you will have the opportunity to gain financial independence, leave your “unloved” job, start traveling and do what you have dreamed of all your life, for example, charity.

1) Take the time to build assets.

Don't limit yourself to just income from your day job. Think about what you can do so that, having done this once, you will receive money many times over - replicate your efforts!

I hope that you are not striving for a “beggarly” existence, which, unfortunately, a pension can provide.

2) Strive to organize several sources of passive income.

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

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

3) Increase financial literacy

Self-education is the first thing you should do! Invest in yourself! I recommend carefully reading books considered fundamental: Robert Kiyosaki "Rich Dad Poor Dad" and Bodo Schaeffer "Money or the ABC of Money", - they will help you understand more deeply the principle of the functioning of money and the principle of creating passive income.

Please note that there are no special “secrets”. For success you only need desire, time and certain knowledge.

Watch this educational cartoon about what passive income is so that all the puzzles fit into a clear picture and you have the confidence to start moving towards creating passive income. You should start by educating yourself on personal finance. It is also extremely important to pass on this knowledge to your children!

I wish everyone confidence and determination!

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

Write in the comments which category of people you belong to from a financial point of view and did you manage to move to a category closer to 5th?

Subscribe and receive the most interesting blog materials - subscribe below. When you subscribe, you will receive the first biography of Elon Musk, one of the leaders in financial literacy today, for free.

How to create passive income in 2018 and make a constant profit without putting in much effort - a topic that interests almost everyone.If you like the idea of ​​living on passive income , read this material - we analyze the possible options.

Types of passive income

Source of passive income There can be both material value and intellectual labor. Main options for earning passive income boil down to the following:

• interest received on a bank deposit;
• profit from the sale of securities or dividends accrued on them;
• income from rental of real estate, land, business, equipment and other material assets;
• copyright income.

But to common messages on social networks that promise quick and easy passive income on the Internet, You should be skeptical and not invest money in dubious online projects whose operating mechanisms you do not understand.

Let's first look at options that require an initial investment, and then get acquainted with ideas that will help you create passive income without investments or with minimal material investment.

Passive income from rental real estate

Earning income from renting out real estate is an obvious way of passive income when you have something to rent out

If we talk about options, there are a great many of them.

You can take:

• a room in your own apartment;
• separate housing (own or purchased with a mortgage);
• premises for a commercial facility.

Renting a room

The option of renting a room in an apartment will allow you not only to share utility bills with the tenant, but also to receive from him a constant amount of money on which you can live. In this case, it is convenient to monitor the safety of your home. But, of course, this method of generating passive income from the point of view of comfort does not stand up to criticism and is not suitable for everyone.

Renting a separate apartment

The lease can be long-term (for many years) or short-term (for example, daily rent of an apartment). The latter option is considered more profitable in the long term, but also more troublesome, since you will not only have to contact constantly changing clients, but also carefully monitor the appearance of the property being rented out.

Renting an apartment purchased with a mortgage

One of the types of generating rental income is the method in which an apartment purchased with a mortgage is rented out. Monthly payments by tenants partially or fully pay off the loan payment. After the entire amount is repaid, the apartment owner’s ability to receive stable passive income will increase significantly.

Renting out commercial space

As for making a profit from commercial real estate (for a store, office or warehouse), the owner will need to comply with a number of standards and initially be ready to invest in refurbishment of the premises.

Strictly speaking, this type of income is not completely passive, since you will still have to maintain the premises in a “marketable” condition, as well as make some organizational efforts. However, it is possible to hire a professional property manager who will manage the rental process for a percentage of the profit.

Income from rental of other material assets

Theoretically, you can rent out anything that has material value - a car, commercial or construction equipment, household appliances, inventory and even clothes

Thus, high-quality equipment for repairs, for example, a hammer drill, can cost 15-20 thousand rubles, but you can rent it out for 500 rubles a day. If the flow of clients is high, the investment can be repaid in a couple of months.

Purchase of housing under construction with further sale

Another way to earn income from real estate transactions is to buy an apartment under construction and sell it after it is put into operation.

The risk of this method is not only that the developer may be unscrupulous or suffer from the economic crisis and be unable to complete the project

Real estate prices may change over the course of several years while construction is underway, and not always in the direction of increased prices. There are cases when investments of this kind ended with both 100% profit for the investor and situations where the apartment after completion of construction was valued at the same amount that the buyer paid for it at the excavation stage.

But in general, this method remains interesting for investors who have the opportunity to invest money in shared construction and receive, after some time, a not constant, but tangible income.

Income from bank deposits

Income from a bank deposit will directly depend on the initial investment: the larger the amount, the higher the profit. However, no less important is the term of the deposit and the possibility of interest capitalization (addition of interest to the principal amount of the deposit).

As a rule, deposits are of two types:

• deposits from which you can withdraw interest every month;
• deposits, the interest on which is added to the main deposit.

It should be noted that interest rates on deposits in Russian banks are still quite modest, and in order to receive passive income from a ruble deposit that will allow you to live comfortably, you need to have several million in your account

Investments in securities

Security holders can count on annual dividends, but the assets must be chosen correctly.

Beginners are advised to give preference to preferred shares of large companies. Their advantage over ordinary shares is that dividends on them are guaranteed

Another suitable option for novice investors is investing in mutual funds or ETFs. The essence of mutual funds is that investors buy shares in the fund’s property, and it is managed by professionals. When investing in a mutual fund, you should study its rating, the nuances of entering and exiting the mutual fund. And it is worth keeping in mind that even if all conditions are met, the profitability of this financial instrument is not guaranteed.

We talked about what an ETF is and why it is profitable.

Options for receiving passive income without investment

The passive income ideas discussed above require material investments. However, even without investments, you can create a source of passive income for yourself. True, first you will have to work hard and invest not money, but your time and intellectual work.

Hobby Monetization

If your hobby is the production of any valuables, art objects, jewelry, clothing, furniture and decor, then you can make very good money on it. And in the future, turn it into the main source of income.

You can sell the fruits of your labors on your own page on a social network or by registering on special trading platforms and crafts fairs

Income from an intellectual product

Photos, books and articles, software, a mobile phone application, a training lecture or webinar - all these are the results of intellectual work for which, if used, the author must receive royalties and deductions.

Receiving cashback

You are unlikely to live on the amount of interest returned after making purchases on online services or using bank cards, but you should not miss this opportunity.

Non-passive income

To summarize, it’s worth talking about not the most successful ideas for passive income. The point is not that these ideas are unsuccessful, but only that there is no question of “passivity” here.

Options such as creating your own business or developing in a network marketing structure often fall into the list of sources of income that work without the participation of the owner. However, it is worth keeping in mind that they will not become like this right away.

You will need to invest a lot of money, effort and time to develop your business from scratch and make it work independently

The same now applies to promoting your own website, blog or YouTube channel - the development of a full-fledged competitive resource today requires significant investment and the involvement of professionals.

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

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

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

10. Credit unions and trusts

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

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

8. Passive income on the Internet

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

7. High-yield investing

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

6. Play on FOREX

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

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

4. Creating your own business

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

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

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

1. Bank deposit (Deposit)

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