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Omnomnom, passive income sounds amazing. No one will deny it, but not everyone knows how much to invest in it. So what and how much should you invest in to get 100,000 rubles of passive income per month over the course of a year?
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Don't use capital letters and leave 17-18%. Why 17-18% and not 20-22%? Banks offer 20-22% with capitalization, without capitalization less. always. In any bank.
You must earn: $1,200,000 net or $1,350,000 before taxes ($190,000 or more) for the year.
Required amount: From 7.5 million (18% without capital letters)
Nuance: in a year there will be 7.5 million left. Banks may close, but each bank is insured for 1.4 million dollars.
A diversified portfolio of dividend stocks will provide a dividend yield of about 9-12% over the next year. It could be more, it could be less. It's a stock. Can anyone other than professional analysts vouch for that? I have them in my portfolio, and my target weighting is 40% of the stock market.
You should receive: 1,200,000 net or 1,380,000 before taxes.
The caveat: Things can go wrong. Or they can. Rates of return can change, and stock prices can change. Plus, dividends are uneven. I hope everyone understands the risks.
Relatively good corporate bond yields range from 20 to 22%, but it is worth paying attention to the current coupon yield. By creating a diversified portfolio of floating and fixed shares, even the laziest investor will now receive 20% before taxes. In OFZ, even less.
You should receive: 1,200,000 net or 1,380,000 before taxes.
Nuance: You need to think and figure it out. During the year, the cost of repairs may increase or decrease, but the floating amounts will remain approximately the same. You can get the default value. They are in my portfolio, and my target share is 50% in the stock market.
Renting apartments is the most preferred type of investment in Russia. Will deposits become more popular? However, the yield is quite low, so you will have to spend money on the apartment. But you can avoid paying taxes (actually you can’t, but I heard people say it’s possible). The profitability is 4-5-6%.
Nuance: Real estate will become more expensive in the future (in rubles). Rents will also increase due to expensive mortgages (as now). Because demand for rent increases, and demand for mortgages decreases. In good conditions, the yield can be 8-10%. In severe cases, the tenant will destroy the house, move out and will have to pay for repairs. There are usually risks. Spreads are wide, but the average is about 5%. Again, this may or may not be officially accepted.
Commercial real estate yields are around 10-12%. Alternative bonds, currency bonds and yuan bonds yield almost the same. So 10 to 12 million of these instruments will bring you $1 million a month, and the assets themselves can also grow. They say that the storeroom offers 15%. I don't understand it.
There are all sorts of exotic options, such as car/boat leasing or the same crowdlending (business lending). I will not talk about financial pyramids and income from betting.
Some businesses can generate passive income, but most are very active. You either have to put in a lot of effort, a lot of money, or both. You can write a bestseller or build a website with a lot of visitors to sell ads. That's what I personally thought. But I wouldn't call that income passive.
If you know anything else, please share your ideas on how to make passive income.
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