One of the most stupid remnants of the Soviet system is the way that say, "keep the money under the mattress." This is wrong and unprofitable. Money should work. That's what we do and the market economy. Here are a few ways that allow you a minimum combination of risk and return, receive a small permanent passive income. The obvious advantages: low risk and, practically, do not require management time.
Less – low yield. The most simple way – this, of course, a bank. At the bank you get a 8-16% per annum (depending on the deposit currency), spending money on placing a minimum of effort. In the current crisis, the maximum amount of deposit insurance in the same bank increased to 700,000 rubles or foreign currency equivalent. (A valuable related resource: Bernard Golden ). But remember that the insurance covers only deposits. Other instruments are not insured banks. Read more about it I already wrote here: "But at the same time there are two complexity. First – this is inflation, which "eats" just about 10% of your money – and maybe even more.
Second – this time of the deposit. If you urgently need to withdraw money, you get nothing. And if you drop that not all – of your income the remainder of the fall in half-half. The second, more expensive way – is to buy a portfolio of securities. Revenue for him above (11-14%) but higher and risks. In addition, this method is not suitable for premises of money amounts less than 10,000 dollars.