Earning additional income so as not to be dependent on a monthly salary is the goal of all those who want to get out of the rat race (a frantic race with no end in sight caused by being a wage earner). There have always been “classic” ways to achieve this goal, but they are not always easily accessible or require a long-term investment, such as investing in real estate.
But you should not think that only long-term investments exist. It is perfectly possible to make short-term investments, and thus see the money we have invested grow in a short time. More precisely, it is an investment solution that allows you to protect your capital 100%, to get your money back after 1 to 4 years at most, and that offers a regular remuneration.
Some short-term investments such as internet businesses can be particularly interesting, with a little investment at the beginning. We have listed for you the short-term investments you can make to generate passive income.
Crowdfunding
Crowdfunding is a method of financial transaction, where a project owner appeals to the generosity of donors in order to obtain financing. Generally, the recourse to this mode of financing is done for small sums, and the participative financing can be implemented according to various modalities: it can be thus the question of community crowdfunding, industrial, or in shares.
The modality that should interest you is equity crowdfunding, in which you have the possibility to make a financial investment. In return for your participation, you will receive shares or stocks from the company that has organized the fundraising. This means that you become a shareholder of this company, and will have a portfolio of shares.
Crowdfunding is a short-term investment that has been made possible thanks to the internet since it is on the web that you can find platforms allowing you to take part in the fundraising. Some sites indeed give you the possibility to finance small and medium-sized companies, while others propose you short-term investments on bottles of wine!
This solution allows you to invest small sums of money ranging from 20 to a few thousand euros and thus generate a return of 8 to 10%. As with any investment, there is no such thing as zero risk. Therefore, we recommend that you invest in companies in which you have confidence.
Cryptocurrency
Cryptocurrency, or digital currency, is the new vein in which all those who wish to earn money through the internet can invest since the appearance of Bitcoin in 2009. The trick to limiting risk with this type of investment is to only put in the capital that you don’t need as much as possible. Indeed, you should always keep in mind that this money may be lost in one way or another.
In order to make a short-term investment with cryptocurrency, you should initially keep up with the most promising virtual currencies for this year. Bitcoin, which is the oldest of them all, is one of them, but we can also mention among them Ethereum, Stellar, EOS, Ripple, etc.
You should also learn about the different ways to harvest cryptocurrencies. This can include accepting payments with digital currency, participating in fundraisers, mining, buying on specialized platforms, or even trading.
Blogging
Blogging is a short-term investment on the internet that you can make to generate passive income. The return on investment of a blog will be different from one theme to another, so if you want efficiency, it will be preferable to turn to the niches that pay. But remember that the essence of blogging is to offer you the opportunity to write about a subject you are passionate about while earning money.
Therefore, if you want to get paid, you will have to work on its natural referencing by posting qualitative content regularly. Do not hesitate to entrust the writing of your articles to an experienced writer if necessary, because their quality and the semantic work done will guarantee you a good place on search engines.
Once your audience is well established, you can monetize your blog in different ways: by advertising on social networks (Facebook Ads, Linkedin, Adwords), by selling your own products or services, by doing affiliation, by making partnerships with brands or other bloggers, etc.
Note that the return on investment of a blog with good SEO work can be seen after 6 months to a year.
The super passbooks
Super passbooks are a way to invest in the short term in complete security while generating a little profit. Indeed, this investment solution offers many guarantees, including that of never losing your capital and being able to dispose of it at any time, not paying any fees for all types of operations, and even often not having to change banks.
Moreover, even if the return on super savings accounts is not really significant, you should know that it is perfectly risk-free for your investment. The best ones allow you to earn up to 3.3% gross (2019 figures), one bank even offers a return of 3.10% for 2 months and offers you a reward of 40 euros in exchange for paying a certain amount into your savings account. The lowest offer to date gives you a return of 0.05%.
If you have opted for this type of investment, you should be aware that the offers for super passbooks vary from one quarter to the next. In order to continue to benefit from their advantages, you need to keep an eye out for promotional offers and move from one banking organization to another. This also requires a lot of time investment on your part.
The youth passbook
Are you between 12 and 25 years old? The youth passbook is one of the tax-free passbooks in which you can invest. This savings solution allows you to benefit from an interest rate that is net of tax and not subject to social security deductions. In concrete terms, this means that you will not have to pay either social security contributions or income tax.
This young people’s savings account has been offered by banks since 1998. In this context, the latter reserves the right to set the rate of interest on the savings, taking into account the indexation of the latter on that of the Livret A. The banks are required to ensure that the rate of the Livret Jeune is at least equal to that of the Livret A.
Therefore, the minimum rate of a youth passbook is 0.75% and can reach 2% for the most advantageous offers. Finally, we can also mention among the advantages of this investment the availability of the savings at any time, as well as the guarantee on the capital.
Finally, even if most of the banks do not exceed this 0.75%, tell yourself that it is better than nothing and that the investment is perfectly secure.