What are they now earning in a crisis. It is better to forget about the sale of goods from Europe and America. People will try to save

27.09.2019

How can you extract income from the crisis state of the economy? What should be done? What investment strategies allow you to make a profit during a period of financial difficulties, if at all possible?

Despite the fact that during the crisis capitals are reduced, and investments and other assets lose their profitability, there are chances to earn money. You can profit from small speculative activities - this is a less obvious form of income, but often used experienced players on stock exchanges. But you can also buy potentially profitable securities when they are relatively cheap. This approach is less obvious, but in the future it can bring in much more money.

Playing for a fall is the simplest way to make money in a crisis

The first option is called "playing for a fall." Not more than a tenth of investors use this strategy of stock behavior. This option is most common in a crisis in margin trading.

This method is also called short selling or short selling. The operation allows you to sell securities, goods or currency without having registered ownership of them. Quite a suitable anti-crisis solution.

It happens in the following way. First, a contract is concluded for a delayed execution of conditions or for margin trading. The latter allows you to sell goods taken on credit from a broker, and then sell it to the same broker in order to return the loan to the latter in kind. In this situation, the seller may hope that it will be possible to repay the loan at a lower price than when it cost before.

This is quite complicated, so let's look at the situation in a different way using an example. A market participant buys gold from a broker on September 5th. The price index then is 1,902.8. After that, it is assumed that the investor will have to return the same asset. Suppose he sells it for money, gaining an amount equal to its value at that time. September of this year was a very strange month for the price of gold: it dropped unusually strongly.

So, three weeks pass, and by the end of the month, let's say September 24, our investor buys gold in order to return it in the same amount to his creditor. But on this day, the gold rate is 20% less, already equal to 1,648.2. Thus, he has the opportunity to earn about 20% of the value of the precious metal after the first sale.

Naturally, such behavior is impossible - on September 5, our investor could not know that it would decrease in price in a few days, just as on September 24, he could not know that fluctuations in the cost of the most expensive metal would begin. But, nevertheless, with certain skills in finding information from reliable sources and knowledge about price changes on the stock exchange, an investor can benefit from this. By the way, these investors are called bears - this is a metaphor: the bear usually crushes the victim he is hunting, which is similar to the desire of such investors to buy goods and shares when their value decreases.

Business in crisis

popular blogger and successful businessman Ilya Varlamov believes that the crisis opens up unique opportunities for new earnings. Indeed, against the backdrop of the devaluation of the ruble and the fall in real incomes of the population, completely different goods and services will be in demand.

"Business on savings"

In the coming years, due to the crisis, Russians will be forced to save on literally everything: clothes and shoes, travel and entertainment, lunches in cafes and spas.

Therefore, everything that will help people to maintain their usual way of life for less money will be in demand. For example, cosmetology services at home, repair of clothes and shoes, home-cooked meals in the office, online services for selecting the best price offers for goods and services in the city.

In addition, the "economy epidemic" will affect not only ordinary Russians, but all companies without exception (especially in small businesses). Trying to optimize costs, business owners and managers will gradually abandon the services of old suppliers and look for cheaper, anti-crisis counterparts.

"Entertainment business"

Due to the sharp devaluation of the ruble, many Russians will stop buying tours to Greece, Turkey and Egypt for some time. But you still need to swim, sunbathe and have fun somewhere! And most likely - in the recreational area closest to your hometown (in a park or on a beach).

This year, those who are accustomed to a higher level of service will come to the market of "domestic entertainment". And the demand for a budget, but high-quality vacation so far clearly exceeds supply.

Fresh ideas can be searched on foreign sites and adapted to Russian specifics. What can be offered to such a target audience? For example, rental of bicycles and rollerblades, organizing outdoor parties for children, selling fresh fruit on the beach, conducting one-day excursions, developing unique walking routes, “quests” in the forest, learning archery.

"Business on foreign tourists"

The crisis of the ruble has made tourist trips to Russia much more affordable for foreigners. There is only one conclusion: we need to open a travel agency focused on guests from abroad as soon as possible!

You can also create a high-quality travel blog on English language. And receive regular earnings for the recommendation of hotels, restaurants and tour agencies.

It is possible to develop new “unused” routes across Russia. Especially popular with foreigners are now " wild tours”, which allow you to evaluate not the popular, but the real atmosphere of a particular country.

Such a "tour a la naturel" can be arranged in ordinary Russian villages. Beautiful nature, fishing and hunting, hiking in the forest, spending the night in rural houses, natural products, master classes in weaving baskets or painting clay plates. To organize such a business, it is enough to go around several villages, negotiate with adequate owners and post a bunch of colorful photos on the site.

If this idea seems too complicated - just make and sell souvenirs. By the way, there are not so many high-quality souvenirs in Russia today - a great idea how not to make bad money during a crisis in the economy.

Placement of funds on bank deposits

Interest rates on bank deposits today are higher than ever. Some banks offer a yield in rubles up to 17% -18.5% per annum! Banks from the TOP-20 are no longer so “generous”, but the depositor can firmly count on 10% -15% per annum.

The same can be said about deposits in US dollars. On the market, you can find offers up to 7.6% per annum, and large banks "promise" a yield of 3% -6% per annum.

The reason is that the market is currently experiencing an acute shortage of liquidity. In other words, during a crisis, domestic banks really need cash, which they are ready to attract from the population at fairly high interest rates.

It is also worth taking a closer look at bank deposits because the amount of guaranteed payments from the DIA has already been increased from 700 thousand rubles to 1.4 million rubles.

Investments in securities

Stock

A crisis is a rare opportunity to buy shares of reliable companies with good growth prospects at a lower price. For example, the shares of the aluminum company Rusal quadrupled after restructuring debts and receiving additional income from the devaluation of the ruble.

Long-term investors are now "bundles" buying shares of companies with good growth prospects, temporarily fallen "below the plinth".

For example, Mechel shares have been trading at record lows for a long time. Investors began to "dump" them en masse, fearing a possible bankruptcy of the company. However, over time, Mechel emerged from the crisis, and its shares have seriously risen in price. And it is possible that in the near future the growth will be more than 100%.

Recall that four years ago, one ordinary share of Mechel was valued at the stock exchange at 968 rubles. By the end of September 2014, the price dropped to 15 rubles. Since the beginning of this year, Mechel shares have already managed to rise in price to 93.5 rubles and fall to 66.38 rubles.

Obviously, the investor will have to pay for the high potential return on the shares of this company high level risk. If the banks do not restructure its loans, and the state refuses to support Mechel, most likely, it will be declared bankrupt.

However, many analysts believe that the likelihood of Mechel going bankrupt today is low. Moreover, the devaluation of the ruble only benefited the company, and the balance sheet finally had money to pay off debts.

In general, the Russian stock market today looks clearly undervalued. The Russian P/E ratio (the ratio of the market price of a share to its earnings) in the MSCI Russia Index is four. For comparison, the P/E in the S&P500 is 18.1.

This means that if the economic situation in Russia improves, then, according to analysts, investors can expect an annual return of 16.9% over 10 years. And this is much more than the return on the market developing countries(not to mention developed countries).

Currency bonds

Another promising option for "crisis" investments is foreign currency bonds of Russian banks. Not all, of course, but such "giants" as VTB, Promsvyazbank or Russian Standard.

Today, large foreign banks (for example, Swiss ones) give their customers the opportunity to buy any financial asset. Including debt securities of Russian companies and banks.

The yield on bonds of state-owned banks in Russia at the end of 2014 exceeded 20% in dollars. And some private banks to this day offer 30% -40% per annum. At the same time, the maximum rate on dollar deposits in the same banks does not exceed 7%.

Naturally, the reliability of such investments will either have to be checked by oneself, or to seek help from independent financial consultants.

What to pay attention to when assessing the reliability of bank bonds? On the amount of highly liquid funds, the dynamics of capital, the dynamics of assets and liabilities, as well as capital adequacy ratios. Another important point is the amount of funds raised for the purchase of securities.

Now one of the most highly profitable debt instruments are Eurobonds of Renaissance Credit Bank - with maturity in May 2016 and a yield of about 35% per annum. A good yield is offered by MCB (14%, redemption in 2018), Vneshprombank (22%, redemption in 2016) and Tinkoff Bank (15%, redemption in 2015).

Please note that the number of dollar-denominated debt instruments on the market is decreasing every month. Indeed, due to sanctions and the process of de-dollarization, Russian banks and companies have not issued new Eurobonds for almost a year now.

Of course, if the bank goes bankrupt during the crisis (from which no one is insured today), the investor will lose all the money earned and invested. On the other hand, right now such bonds can be bought at a good price, while counting on a really high income.

We buy cash dollars and euros

AT recent times the ruble noticeably strengthens against the US dollar and the euro. However, most experts are inclined to believe that this phenomenon is temporary.

Contributed to the strengthening of the ruble whole line circumstances: an increase in oil prices to 50-60 rubles per barrel, a decrease in the degree of tension in Ukraine, the sale of foreign currency by the population, the decision of the US Federal Reserve to postpone the increase in rates, a drop in imports by 30% -40%. In addition, high interest rates in Russia made it possible for traders to earn on the difference in rates in different countries(the so-called carry trade).

In other words, the demand for the ruble is created only by exporters and speculators. And this is clearly not enough to change the trend.

Unfortunately, the fundamental factors pushing the ruble down are still in force. These are not lifted sanctions, and the general “weakness” of the Russian economy, and low prices on oil, and the general strengthening of the dollar.

Therefore, now is the time to “shift” into foreign currency for those who did not have time to do this before the December “jump” in the exchange rate. Indeed, in the next couple of years, the dollar will strengthen against almost all world currencies (analysts and experts are unanimous in this).

Moreover, it is possible that in long term the euro will do the same trick. After all European crisis sooner or later will end, there will be a solution to the Greek debt problem, and the EU economy will finally get out of recession. And when the ECB's quantitative easing program ends, the euro will go up sharply.

So today the euro is a good option for those who are oriented to the long term. In the next year or two, the euro will most likely become cheaper against the dollar.

There is only one person in this world who can make you achieve outstanding success. And that person is you.

Wherever you look, there is a crisis everywhere.
Why is it so raining?
- A crisis.
Why didn't you do your homework?
- A crisis.
Why did you buy so many TVs?
- It's a crisis!

"Crisis" has become a very convenient excuse for all questions. And who thought that there is a crisis?

Not in terms economic terms, but in understandable human language?

So, dear reader, a crisis is a change in financial flows, that is, somewhere it decreases, but somewhere it increases very strongly. How does this happen? Yes, it’s very simple: there are hairdressers at every turn, grocery stores, pharmacies, car washes, photo salons, ateliers, etc. There is no shortage of services or goods, please, any whim for your money.

What about the clients clients are simple workers whose government or uncle cut funding to a minimum, the client has no money, the client has a CRISIS. Since the client does not have money, it means that there is nothing to pay rent to the store, there is nothing to pay salaries to employees, there is no funding for the purchase of new equipment, because there is a crisis. And if there is no money, then bankruptcy, collapse and another crisis.

Here is a decreasing example, but where is the arriving one?

And the growing situation is that in a crisis everyone tightens their belts and wants to save money. Saving is not for everyone: on gasoline, food, pills, clothes, travel, toothpaste. It’s expensive for a layman to go to distant lands to Lenta (Lenta, Auchan, Metro, Carousel, Crossroads or another hypermarket - choose for yourself) for a bar of soap or a roll toilet paper. What for? These are extra costs for gasoline, this is time, these are nerves, these are SARS bacilli from the same inhabitants. It’s easier to open an online store on your computer and order everything there in a couple of clicks. And what. convenient, fast, economical. And then you can talk about the meaning of life, for example, about “How to make money in a crisis or open your own business without investments. In a crisis."

So, dear reader, since it’s expensive for the layman to go to Lenta, and it’s expensive and risky for businessmen to rent premises, most companies look towards the computer and open their online stores. It is in the Internet industry that clients, money and simply talented minds are now being pumped.

The internet has become the norm.

Trade on the stock exchange via the Internet
Pay taxes and fines
Buy goods in online stores.
Make money transfers.
Buy air and railway tickets.
Use public services (opening an individual entrepreneur, passport, international passport, making an appointment with doctors, etc.)

85% of Russian Internet users make purchases in online stores.
43% of them do it monthly.

Yes, Internet business- it's profitable, it's modern, it's a trend. But where is the crisis?

And despite the fact that having discarded all stereotypes, doubts and an ironic chuckle, you can, without leaving your home:

Once again save a pretty penny on buying toothpaste.
Become the owner of a ready-made online store and develop its network in Russia and the CIS countries to receive a very fat percentage from organized trade.

In order, and about what kind of online store, and what kind of manufacturing company.

We are all clean people, we all brush our teeth, wash our feet and puff ourselves with desicum (well, almost everyone) we now buy all these soap and soap necessities at a discount directly from the company through the online store. Further, we form a team of like-minded people who also buy all this through an online store. This is not sales, but organizational work.

Our discount is 32%, the online store returns us an additional 33% for the entire team for the created turnover.

For example, we built 3 teams with a turnover of 300,000 rubles each, the online store received a total turnover of 900 thousand. If in doubt, recalculate.

The company has done some of its work:

She made a product.
The online store accepted the order and received payment for the goods.
The logistics service packed and delivered the goods.

But we did it with the team main job - organized a turnover and for this the company pays for our entire team 33% of the turnover of 900 thousand = 297 thousand.

Is it good for us? Of course, all partners receive money from the company for the work done:

Out of 300 thousand, the company will pay you approximately 100 thousand as the organizer of such a turnover.

-3 teams with a turnover of 300,000 rubles?! I'll die alone looking for so many people!

You think everything is right, there is no warrior alone in the field, which is why at the first stage we will build the first team together, we will register all the people one after another. We call this method the "Chernobyl carrot" 🙂

This method of building teams allows you to quickly create teams of 1000 people or more and find business partners among them.

10 people will invite one partner each, it will already be 20, 20 will invite 1 partner each, there will already be 40, 40 one partner - 80, 80 one partner - 160, etc.

TEAM! Here's what's winning now. Team players always blew up stadiums and took first place.

A turnover of 300,000 rubles can be obtained in different ways:

If 50 partners place an order for 6000 rubles
Or 100 partners for 3000 rubles
Or 300 to 1000 rubles

Naturally, the first path is closer to everyone (everything is lazy * ops, we are all too lazy to strain once again).

But, I will say right away that not everything is so chocolate:

In a team with a turnover of 300 thousand, there will be approximately 200-300 people. Of these 200-300 people, 50 will be really smart people (the backbone of your organization, with whom you go through fire, water, and sauna), about 50 will be at the level of consumption (regular customers, these people will always put off building a business on “after the vacation, after the garden, after the dacha, after the sea, after the toilet”) and 100-150 will be just freeloaders, philosophers, thinkers, unrecognized geniuses, you can’t get anywhere without them.

And until what moment do we build a team and sign people for each other?
When your team has at least 2 sensible key partners, when you have already learned how to work with people, when you learn how to organize a massive flow of people into this business, then you can build the second and third and tenth teams in the same way.

Pyramiding... smacks of pyramiding. I am against all sorts of "MMM"

No, not pyramiding, but a network business. legal legitimate, honest business.

Is everything clear at this stage?

And now about the company with which we cooperate and which online store we are changing our usual Lenta to.

Our partner is Oriflame.

Why do we cooperate with this company?

Desired product (personal consumption goods: creams, cosmetics, shampoos, soaps, toothpaste, toilet paper is just not enough).
When you start building a business, you need to think not about whether you like the product or not, but about what percentage of the population needs and will use these products. No one wants his mouth to smell not of brushed teeth, but of socks from his feet. All women have at least one lipstick, and most ladies are obsessed with the beauty industry. Believe it or not, it's a fact.
Reliability. The company is a manufacturer of products, 50 years on the market and it is a billionaire company!
Reliable partners. The company has been cooperating with auto giants Volvo, Mercedes-Benz, Skoda for many years. The company gives cars of these manufacturers for a job well done.
There are representative offices in 85 regions of our country, in 63 countries, the company provides logistics and delivery of products to customers. We do not have hemorrhoids in organizing the work of an online store, everything is done by the company itself.
official income. Income is transferred to a bank account. Everything is transparent and legal. Pension contributions are coming, seniority, you can qualify for any loans and mortgages.
You can transfer the created business by inheritance. Who can pass on their familiar chair of a senior specialist by inheritance?! It is important for me that the results of my work do not float away to heaven, but remain with me forever and my children and grandchildren told me: “Grandfather, you are really cool!”

To summarize, because you have, with the highest possible degree of probability, already lost the essence of the conversation.

“After nine years of global expansion, the structural problems of debt-driven growth are still there. The financial sector is stronger, but the overall economy is still fragile and sensitive to changes in interest rates. The world is about to fall."

peter Garnry, Head of Equity Market Saxo Bank

“The real problem in the global economy, which may emerge in the next decade, is the low credit quality and high debt load of companies in developed countries. Less rational and likely fears are potential U.S. tech bubbles, a possible sudden and sharp slowdown in the Chinese economy.”

Konstantin Bushuev, Head of Market Analysis Department, Otkritie Broker

“Certainly, today the financial system is stronger than before the world financial crisis through a decade of reform and recovery. However, vulnerabilities continue to grow and the new financial system remains untested. Additional measures are needed to increase its resilience.”

Tobias Adrian, Director of the IMF Monetary and Capital Markets Department

“Global corporate debt of non-financial companies has more than doubled over the past decade to $66 trillion in the middle of last year. Two-thirds of this debt is in emerging markets, and the situation is exacerbated by an additional risk factor: many of these companies, taking advantage of low interest rates, borrowed in US dollars.

eshe Nelson, economist, Quartz reporter

“The economic outlook is bleak. The risks associated with the end of the global "era of cheap money" and the slowdown in global economic growth and international trade are beginning to materialize to some extent already this year. In 2019, the global debt crisis of varying degrees of intensity cannot be ruled out due to the reversal of monetary cycles in a situation where states, companies and citizens scored a record for the entire world history the number of debts. However, these are expected events and you can prepare for them. But from the sphere of politics, "black swans" can fly.

Alexander Losev, CEO, Sputnik Capital Management

“The situation in the debt and currency markets can be significantly affected by such things as the growing likelihood of another cyclical downturn in the US economy, as well as difficulties in refinancing debts of Chinese companies due to the trade war with America. All this will completely kill the risk appetite of international investors in relation to the Russian Federation, China, Turkey, Brazil, and South Africa. Almost the entire BRICS will be vulnerable, and many major global players are only waiting for this: "push the falling one."

Andrey Nalgin, private investor and blogger

“The growth of the US and China is becoming more asynchronous, and trade wars are further exacerbating the risks to the global economy. Comparing the Trump administration's "America First" strategy with China's 2025 plans, we see that under both strategies, countries seek further independence from each other, which implies moving away from globalization, reducing trade flow, sharing ideas and best practices. During this year, the processes of globalization not only stopped, but also began to move in the opposite direction.”

Steen Jacobsen, Senior Economist at Saxo Bank

“The external objective constant risk for Russia is the world price of oil. For 20 years, the necessary diversification of exports has not occurred, which would allow this risk to be reduced. Internal risk is politics Russian government. Both economic domestic and foreign policy. In recent years, it has been the main source of instability for Russian business and social sphere. In this series, I would put the global crisis in third position, because the main mechanism for its spread to the Russian economy is through the price of oil.”

Natalia Volchkova, NES Professor, Director for Applied Research CEFIR

“There will be no obvious starting point for the crisis. This is unlikely to be the banking sector, where prudential supervision has done its job in terms of stability. Many poorly managed systemic risks in the non-banking financial sector, for example − pension funds in developed countries. If we talk about problem countries, then these are Venezuela, Argentina, Turkey.”

Alexander Abramov, Professor of the Department of the Stock Market and Investment Market of the State University-Higher School of Economics

“Next year should be much more difficult than 2018. Russia and the world will jump over the abyss. A crisis comparable to Lehman Brothers continues to threaten the global financial system. We believe that the "bubble" in the US stock market will burst, and the world is waiting for a recession. We are waiting in next year on the S&P index 1800-2000 points, on the Moscow Exchange index - 1500 points. Oil, currencies, emerging market stocks will come under pressure.”

Alexander Razuvaev, Director of the Analytical Department, Alpari Group of Companies

“To deal with future overheating in the US economy, we need to be proactive and tighten monetary policy. By raising funding rates, the regulator raises the yields of short-term bonds above the level that it intends to maintain in the long term. Long-term rates remain almost unchanged. They depend more on the central bank's long-term inflation target than on local solutions at the rate of funding. High short-term rates are cooling the economy. Actually, this event, based on historical data, very accurately predicts the coming recession. If you like, such actions can be considered a regularly repeated man-made crisis.

Timur Nigmatullin, Analyst at Otkritie Broker

“To the question whether the crisis is over for the Russian consumer, we would rather answer “no”. According to most indicators of the consumer climate, the situation in 2018 even worsened compared to 2016. Russians do not feel improvement in their financial situation. Buying behavior remains in crisis. People continue to save, including when buying everyday goods. In addition, people are increasingly concerned about social inequality and corruption.”

Alexander Demidov, CEO (CEO) GfK Rus

Hello, dear readers. Today we’ll talk about business during the 2019 crisis and share a small selection of relevant business ideas in an unstable time of crisis. If you have your own ideas, we are waiting for them in the comments below the article.

What to open a business in a crisis

This is probably the main question for everyone who wants to make money during the crisis. Let's see what successful entrepreneurs have to say about it.

Founder and owner of Tinkoff Bank.

According to Oleg Tinkov, Special attention in times of crisis should be given to the medical field and everything connected with it. With a reasonable approach, start-ups that are focused on the production of dietary supplements, medicines, equipment for clinics and pharmacy chains can be profitable. Little competition and growing demand create ideal conditions for private medical institutions and the hospital sector.

In the absence of large initial investments, Oleg Tinkov advises to pay attention to the promising market for the development of applications for gadgets and online consulting. The businessman rightly believes that Russia is noticeably behind many world developments in the field of medicine and care for them by 15–20 years, and there are a lot of opportunities for copying for newcomers.

A good income in the future can be provided by investments in medical development and R&D. The only problem- this is the high cost and long payback period of such business projects, and in Russia they are not used to doing this.

Founder and owner of companies such as Dymovskoye Sausage Production, Suzdal Ceramics, Respublika (a chain of bookstores) and Rubezh (cafes and restaurants).

The owner of a network of well-known companies believes that in these crisis conditions it is better to start business projects related to import substitution. A hint will be provided by an analysis of the trade market and customs statistics over the past few years. It may be some types of food, the demand for which has been stable. He believes that the crisis has not changed either people or officials.

Vadim Dymov is convinced that it is possible to reach financial peaks by opening new projects in agriculture. As an option, he proposes to use state land shares for Far East to grow soybeans that can be exported to China. A risky but simple business can bring significant profits.

The businessman does not rule out success when opening startups in the field of machine-building logistics and components for assembling units. He claims that there are absolutely free niches for the development of medium and small businesses in small towns far from Moscow. Why not open a carpentry shop to produce excellent domestic furniture? Suddenly? But it is very pleasant to create and use your own, to raise your own brand.

Founder and owner of the network of pizzerias "Dodo Pizza".

According to Fedor Ovchinnikov, the time of crisis is a period that is favorable for opening almost any business. After all, this crisis simply forms a new one from the usual coordinate system, and life continues to go on as usual. Only the rules of the game change, and it becomes important not “what”, but “how” to act in the new conditions.

Fedor Ovchinnikov is confident that Mercedes will be in demand even during the crisis. The main thing is to find an optimal and competitive business model in order to win in modern conditions.

Fedor Ovchinnikov suffered a major setback early in his financial career. His first book sales project turned out to be unprofitable and failed, but only helped the businessman develop a new strategy. Now the entrepreneur treats the beginning of each of his business as if there is a severe crisis in the yard. He immediately asks himself a reasonable question: “What will happen to his business project when everything goes bad, even if at this stage everything is fine?” He rightly believes that it is in this difficult and new time that a healthy and strong business can be formed in the country.

Founder and owner of the Expedition company.

According to entrepreneur Alexander Kravtsov, now is a great time for any new undertakings. Here it is important to invest your soul in a business project and maintain good spirits. If you do not hide and do not retreat, then everything can turn out to be an excellent and profitable business.

Alexander Kravtsov believes that there are no crises. Now there are a lot of markets that are losing money. But there are many enterprises that are simply overwhelmed with stable orders. For example, the only Russian company manufacturing backpacks is loaded at full capacity.

The businessman believes that interesting and relevant topics for a new business are food and tourism development.

It is better to become more active in those financial niches where you left foreign investment. But he recommends being more careful with fixed items of expenditure. Serious changes are taking place in the market in favor of the employer: many active and qualified specialists are being released who can be useful for new projects.

Alexander Kravtsov believes that a businessman in a crisis should become a cynic: do not pay high rents, do not pay inflated premiums and do not invest in dubious projects.

TOP - 15 business ideas in a crisis

Below we have collected 15 small business ideas in a crisis. This is not all that can be discovered in an unstable economic situation, so we will try to supplement the article. Including your ideas, which you leave in the comments!

You can also get useful information from the article about.

Business idea number 1 - Opening an online store

Upfront costs- from 200 000 rubles.

The general essence of the proposed idea is the development and organization of an online store, the sale of goods through the site, its delivery to customers using a courier service or regular mail. The relevance of such a project is confirmed by numerous economic analysis of the market. The service is more and more in demand among buyers of the middle age category, and the monthly growth of the market speaks of its prospects.

When planning to open an online store for women's or children's clothing, the owner faces the following costs:

development costs and technical support uninterrupted operation of the site;
salary of administrator, courier;
if necessary, rent a warehouse;
transportation costs for the purchase of goods.

The rent for the premises of a stationary store is replaced by the content of the site, the purchase of software, advertising costs.

The average percentage of profitability of knitwear and clothing stores is at the level of 20-25%. When investing in the purchase of goods more than 200,000 rubles, the monthly net profit can be from 40,000 rubles. By actively promoting an online store, analyzing the assortment and costs, you can pay back such a project in 4-6 months.

Business idea number 2 - Opening a street fast food

Estimated cost of the project- 275,000 rubles.

The essence of the idea is the opening of a small outlet for the manufacture and sale to the consumer a certain kind snacks and drinks. Unlike the usual shawarma and hot dogs, the project proposes to develop a range based on sandwiches with nutritious and delicious stuffing, classic or closed sandwiches. The relevance of the idea lies in the constant demand for fast food products. During the crisis, people are less likely to go out to restaurants and are increasingly opting for quick and inexpensive street food.

It is better to open such a stationary point in places with a large flow of people: near metro stations or bus stops, shopping malls, higher educational institutions. Main costs:

rent of a place of trade;
purchase of a stall, tent or trailer;
purchase of thermal and refrigerating showcases, equipment for work.

If we base the calculation of the approximate income on a daily turnover in the region of 8,000 rubles, then we can talk about an average monthly revenue of 240,000 rubles. With a profitability of 30% set in the price, such street fast food will pay for itself in 5 months. You can increase the influx of customers by adding dishes with non-standard ingredients, offers for vegetarians or connoisseurs healthy eating who have difficulty finding a decent catering point.

Business idea number 3 - Opening a pancake cafe on wheels

Initial investment- 400,000 rubles.

The business idea is based on the equipment of a pancake baking point, the organization of the production of special fillings, and the sale of this original fast food to the buyer. There are many companies on the market offering delicious product so there is a lot of competition in the sector. By relying on non-standard products for fillings, beautiful presentation, excellent taste, you can get a stable profit and regular customers.

To organize the process, it is better to choose a mobile point that can be moved when changing the place of trade, transported to participate in events and public holidays. Its equipment will become the main cost item for opening a pancake cafe.

Successful development of production is possible in the case of:

a wide range of interesting fillings;
staff professionalism;
correct choice of location.

In most of these enterprises, the margin level is 80-100%, which fully covers utility bills, all costs and gives a stable profit. We can talk about full self-sufficiency only after a few months due to the initially low cost of this product, a lot of competition.

Business idea number 4 - Bakery and confectionery

Approximate investment amount- 1,000,000 rubles.

It is worth noting that people will always want to eat, in connection with this, opening a business in the field of catering during a crisis period becomes relevant, even when the economy is not all right in the country. Small firms that combine the functions of a bakery and a store are gaining popularity in large cities. Interesting assortment and pleasant home atmosphere can attract buyers with different incomes. The essence of this idea is the design and opening of a fully equipped enterprise that is engaged in baking and selling bakery and confectionery products to the consumer.

To accommodate a bakery and pastry shop, it is necessary to carefully select a place with good traffic. Ideally, if there is a shopping center, bus stop or office block nearby. The project can be developed in two directions:

a simple bakery and confectionery with a sales area;
a bakery with a small cafeteria for visitors.

The first option is more economical in terms of investment and requires less time to organize. With a good location, a bakery can serve 300 - 800 visitors a day, each of which will make a purchase in the amount of 200 - 400 rubles. The approximate profitability of a small enterprise without a cafeteria is 20%. With such volumes of trade, the costs of opening a bakery and confectionery will pay off in less than 10-12 months.

Business Idea #5 – Opening an Outsourcing Company

Minimum investment- 550,000 rubles.

The essence of such a project is the creation of an outsourcing company that provides various services to third parties for a fee. As the main specialization, you can choose accounting or legal business support, solving financial or IT issues, creating an external call center to work with orders. The market for such outsourcing firms is just emerging, making the business project relevant. During a crisis, many companies reduce staff and it is more profitable for them to outsource tasks.

To organize and start work, it is necessary to solve two specific tasks:

rent of a convenient office space in the central part of the city;
attracting real professionals in the chosen field to the staff.

In addition to the initial costs of renting and decorating an office, it is necessary to invest part of the funds in advertising and maintenance of life in the first months of formation. Work with clients is carried out on the basis of a special contract. The cost of services is calculated individually for each working situation. Much attention must be paid to the quality and completeness of the work. This will help in attracting regular customers and increasing the level of profitability of the outsourcing company.

Business Idea #6 - Opening a Canteen

Minimum investment- 1,000,000 rubles.

The essence of the project is the opening of a small catering establishment in the format of a city canteen. Her services will be in demand among people with different incomes: students, pensioners, business travelers. Such budget canteens have a stable demand and show low competition even in large cities.

After choosing the format of work, you should decide on the room. It must fully meet certain technical requirements. Best Option will be the rental of a former catering establishment or a spacious hall near the station, higher educational institutions, shopping malls.

The main cost items can be:

refurbishment of the premises for visitors;
purchase of kitchen and commercial equipment;
training and maintenance of the team.

It is considered optimal to accommodate up to 50 visitors at the same time. Workload varies depending on the time of the working day. The average indicator is a patency of 50-60% with a check for 200-300 rubles. The daily income of a canteen with such a volume starts from 25,000 rubles. Taking into account all the overhead costs and the cost of renting a room, such a “delicious” business project can pay off in a year of stable operation.

Business idea number 7 - Business in the production of frame houses

Minimum investment- 500,000 rubles.

The essence of such a project is the development and implementation of a business idea for the construction of turnkey frame houses. The acquisition of small wooden houses is in demand among the middle class, which seeks to move closer to nature outside the city. Construction works from the foundation to turnkey delivery does not exceed a few months. The available amount of material costs makes frame houses good investment.

To implement the project, it will be necessary to open several offices in different districts, which will accept orders and conclude contracts for the sale of finished objects. At the first stage, the main investments will be:

training and salaries of construction teams;
maintenance of staff in the office;
advertising expenses;
purchase of the necessary tool kits.

The level of profitability is calculated based on the cost of materials spent on the object. On average, one meter of living space costs 30-40 thousand rubles. It can be sold at a price of 70 thousand rubles, having received a net profit after the sale of a cottage or townhouse in the amount of up to 2 million rubles. Such a business can become profitable and bring a stable income, paying off after two completed projects.

Business idea number 8 - Opening an economy class hairdresser

The amount of capital investments- over 300,000 rubles.

The essence of the business idea is the opening of a small hairdressing salon that provides a full range of necessary services at affordable prices. Such a project will be relevant in large and medium-sized cities due to the constant demand of the population different ages and prosperity. By providing quality service at affordable prices for most customers, you can make a project with a stable income.

The bulk of the costs are for the purchase of specialized furniture, work equipment and cosmetics, design and equipment of a hairdressing salon. Good traffic is ensured by its opening in a residential densely populated area next to a bus stop, shopping centers. For additional profit, you can:

to use the transfer of workplaces for rent instead of hired personnel;
invite representatives of related professions to sublease to increase the flow of customers (manicurists, make-up artists).

With an average check for a service of 250 rubles and servicing at least 16 visitors per shift, the payback period of investments is planned to be up to 18 months. Expanding the list of services, holding promotions and self-promotion will help improve the result, guaranteeing a profitability of 29%.

Business idea number 9 - Opening a pharmacy

Upfront costs- from 500 000 rubles.

The essence of the idea is the wholesale purchase of a wide range of medicines and the organization of a stationary pharmacy for the retail sale of these medicines to the population. Given the high demand for this type of product, even with the existing level of competition, the project can be a very profitable financial idea.

A good and stable profit in this line of business depends on the pricing policy, the choice of the most stable suppliers and location. A small pharmacy operating as a discounter will be in stable demand among the population of the residential area. Its opening is optimal near metro stations, transport stops or grocery supermarkets.

To implement the project, you will need:

specially converted non-residential premises;
personnel with appropriate education;
conclusion of contracts with trusted suppliers.

The profitability of a pharmacy is directly proportional to the turnover medicines. Given the peculiarities of the legislation, entrepreneurs set high mark-ups for some groups of drugs. Additional income comes from the sale of medical equipment, hygiene items, baby food.

Business idea number 10 - Opening a children's commission store

Estimated investments- 300,000 rubles.

The general essence of the idea is the organization of a small store to accept goods for sale from customers with the aim of subsequent resale, taking into account a certain commission to the seller. This area of activity is growing rapidly. Quality baby products are in high demand, especially with financial austerity in many young families.

The main amount of expenses falls on the rent of a small room, its repair and equipping with commercial equipment, furniture and stands. The project does not require the purchase of items in wholesale warehouses, but an important component is constant advertising to attract potential buyers and sellers.

It is better to open a store in a densely populated area, near grocery supermarkets or children's clinics. Small investments will require:

colorful design of the facade;
the content of the site or groups in social networks;
staff salaries.

For such a project, economists consider a good profitability level of 12-15%. With a daily turnover of 15,000 rubles, the monthly net profit minus all expenses can be 30,000 rubles. Savings can be achieved by doing such an enterprise family business and without hiring outside employees.

Business Idea #11 – Opening Training Courses

The relevance of this idea lies in the fact that parents will not save on children even during an economic downturn. Private schools for learning foreign languages or preparing children for the Unified State Examination may not be affordable for some parents during a crisis, but budgetary private courses (individual or as part of a small group) are quite real.

Estimated investments depend on the scale of the business. You can purchase all the necessary interactive learning tools and organize training courses at home or rent an office space by the hour. The rest of the costs will go to advertising: in the social. networks, bulletin boards, newspapers, etc.

Business Idea #12 - Farm Products

During the crisis, many products in large supermarkets rise in price. During this period, the sale of farm products directly from the farmer becomes especially relevant. Having received everything Required documents you can organize a stationary point in the market or a mobile sale: milk, eggs, cottage cheese, pork, beef, poultry, etc.

Initial costs will depend on the scale of the business organization. You may need to purchase a special milk tanker, rent a sales pavilion, or hire a salesperson and driver. In addition, you can develop an individual design for your company, including the cost of branded stickers on cars and products.

Business idea No. 13 - Shop "all at one price"

Estimated investments- 700,000 rubles.

It is worth noting that all the stores on the market in this area "rose" during the crisis. In pursuit of the best price, people are trying to save as much as possible by increasingly visiting stores with a fixed price. The assortment will depend on your preferences, ranging from inexpensive products to household items.

You can purchase a franchise or open a store on your own. In any case, the essence will be the same. The costs will go to:

rental of premises;
purchase of commercial equipment;
the first batch of goods;
hiring employees.

As in any business, do not forget about the good location of the outlet: a busy street, a walkable area.

As a supplier, you can consider the option of purchasing goods from China.

Business idea No. 14 - Manufacturing business or import substitution

Import substitution- a key moment in the organization of business during the economic downturn. In addition, the policy of the state is entirely directed in this direction. There are many grants and third-party investments in the organization of production in our country. For some, this may be new, but goods can be transported not only from China, but also to China! Many foodstuffs there have a high price, and if you properly organize the delivery, but you can talk about a promising business.

In addition, during a crisis, imported products rise in price due to currency fluctuations. In this regard, the demand for domestic goods with stable acceptable prices is increasing. This is the basis for organizing a manufacturing business.

This may also include agricultural products(honey, nuts, meat, milk, cheeses, etc.), textile production, conservation(fish, cereals, vegetables, etc.), fresh vegetables and fruits and much more.

Business idea number 15 - Beauty salon at home

Estimated investments - 30 000.

The popularization of masters who will come to your home and prepare for important events has gained its relevance precisely in a crisis. Beauty salons do not reduce prices for their services, but private hairdressers, make-up artists, manicurists take much less money, besides, they do not have to share with the owner and pay rent.

All initial costs will go to the passage of special courses, the purchase of the necessary equipment and advertising. To prepare a portfolio, you can try your skills on close relatives, friends.

Conclusion

Now you know how to open a business in a crisis. These are not step by step instructions, just ideas. We will be glad to discuss with you in the comments the issues of small business in times of crisis and we are waiting for ideas from you that, in your opinion, can be started in Russia during the crisis.

And also take a look at the section -. There you will find more more selections articles with business ideas.

There is a crisis in Russia again, which means that we will have to adapt to new conditions. How events can develop and what should be done in this regard. Changes should not be perceived as a catastrophe - everything can be overcome if you play it safe and do not lose vigilance.

Denying that a crisis has broken out in Russia is already meaningless: we are told about the upcoming difficulties on the TV screen, officials paint clouds gathering on the horizon, and officials from the highest echelon call for tightening their belts.

There are several options for impending disaster, but we will consider the most likely one: oil and gas prices will continue to fall, the economy will be in recession, inflation will unwind and everything will rise in price. Many goods will become inaccessible, especially foreign-made clothing, food and technology. We will have to live economically on everything, most will be forced to give up foreign trips and other familiar pleasures. But this is not the most unpleasant thing - the unemployment rate will inevitably rise, and this is no longer a joke.

You and I cannot change these circumstances, which means that we will have to change our attitude towards them in order to minimize the damage. This wisdom is not new, but is still universal, like the other statement: "Crisis is the best time to start a new business." Just yesterday, we did not dare to open our own business in Russia, but today we are simply forced to start our own business in order to stay afloat.

If this statement seems absurd to you, think carefully and agree that services that were unclaimed yesterday will be very needed tomorrow. The crisis forces us to reconsider our priorities, so let's look for new opportunities together. We do not urge you to drastically change the course of life, leave your place of habitation and go on a campaign for capital. Taking risks, creating something new and taking responsibility for other people requires a special kind of personality. Our reflections are mostly theoretical, but it is possible that they will be useful to someone. So, what changes await us and what can be done in the new circumstances?

1. Everyone will have to save

This, obviously, means that services will be needed to save money. There have long been sites where you can pick up or. And why not, for example, help people find products at affordable prices? In large cities, many supermarkets publish catalogs with prices, promotions and sales messages.

The consumer, having looked through the offers of several retail chains, can choose where his usual “basket” will cost less. If you manage to consolidate all the information on your site, the sellers themselves will seek cooperation with you. Earnings can consist of a subscription to the placement of information from stores, advertising and commissions from online sales.

Saving money, people will repair shoes and clothes more often, call hairdressers, masseurs and beauticians at home - this is another way to capitalize on the crisis. Companies will also have to cut costs, perhaps here you can find an application for your services.

2. Many will refuse to travel

Judging by the decline in sales of air tickets abroad, the decline has already occurred. The fall of the ruble cannot but affect the plans of travelers, but people will have a rest anyway, only they will have to wait a little with trips around the world. You can offer something to people left to rest in their hometown. Summer is coming and there is no doubt that the beaches, parks and recreation areas will be filled. If you have time to organize, for example, the rental of bicycles, volleyballs, badminton rackets, you will not be left without work. By the way, it is not at all necessary to buy new “entertainment tools”, for a start you can limit yourself to used ones, but put in order. In the development of this topic, think about organizing bike rides along an interesting route. Your task is to think over a mini-trip plan and organize everything in the best possible way.

Services that are in demand in places of mass recreation are well known: trade in tea, coffee, soda, ice cream, pies, etc. Usually these segments are occupied by experienced "fighters". Come up with something fresh and you'll be out of the competition. Why not sell fresh washed and packaged fruits and vegetables? In China, for example, peeled cucumbers are sold in the heat, and a queue forms behind them. Keep in mind that your customers will be people who have known Western service, so everything should be civilized - do not try to sell shish kebabs from meat of unknown origin.

3. An influx of foreign tourists is possible

Oddly enough, the crisis will attract foreigners to our country. Moscow has ceased to be one of the most expensive cities in the world, and those who previously did not want to spend extra money will take advantage of this. Organize tourist agency for foreigners, especially if you are good at foreign languages. Offer customized city tours, schedule exclusive tours.

Clients can be found in in social networks, on sites where travelers communicate. Make contacts and offer your services. In a foreign country, it is very important to have a reliable guide, as every traveler knows. Along the way, you can set up an overview of hostels on your website, post train and train schedules, explain routes and teach foreigners how to use the domestic service. Useful information will surely interest potential users, and you will need to captivate them with the idea of a trip to Russia.

Of course, travel agencies have long oriented themselves in the new conditions and are actively developing this direction, but their prices are high, and people all over the world want to save money. You can develop inexpensive but exciting trips with overnight stays in village houses, potato and herring dinners, and transfers on regular buses. Such an extreme is sure to find fans. When your idea takes on real forms, you can establish cooperation with a travel agency that diversifies its services with your offer.

If this plan seems too complicated for you, try making and selling souvenirs. See what souvenirs are sold in your hometown and you will understand that this market is waiting for you. There will be a demand for original and well-made colorful pieces.

4. The real estate market collapsed

Have you seen how often there are signs for the sale or rental of premises? And apartments in new buildings are almost never sold. Many of the premises that used to house shops and firms are idle. You can take advantage of this by setting up a daily rental of commercial real estate. For example, seminars, presentations, lectures or corporate events can be held in empty rooms. You need to take care of the appropriate equipment and negotiate with the owners of free space.

5. Gold is getting popular again.

Speaking about gold, I noticed that it is hidden in the ground when everything is calm, in order to dig it out in a crisis. Today's crisis has confirmed the billionaire's rightness - the shelves of jewelry stores were empty when the Russians began to save their savings from devaluation. Jewelry sellers endured finest hour- last fall, sales increased by 70 percent. It is unlikely that you will be able to open a jewelry store in a big city where this market has long been occupied, but you can try your luck in settlements slightly less.

6. Depositors withdraw their money from banks

Another type of business that thrives in a crisis is the production and sale of safes. With instability, people try to keep money at home, and not in banks, so the demand for safes has increased significantly.

7. People will always eat and get sick

No matter what happens, food and medicine will always be needed - this is completely understandable. We do not propose to open a pharmaceutical factory or a cannery - this requires very serious financial investments. But the opening of pharmacies, counters selling over-the-counter drugs can be profitable. It also seems timely to launch a small agricultural business, like a quail or rabbit farm.

The economic crisis has changed many areas of business: some industries have become irrelevant, while others have opened up new prospects. Travel companies were among the first to suffer from the collapse of the market, which is explained by the depreciation of the ruble.

Traveling, when, has become too expensive for many. Also, not everyone can afford to buy expensive imported goods - cars, household appliances etc., although it must be admitted that domestic cars are also bought less. All this indicates that in the coming years, economy-class goods and services will be in demand, while it is unlikely that it will be possible to make money on luxury goods. Offer consumers what they need, and they will gratefully use your services.