33 Ide Pendapatan Pasif &Strategi Investasi yang Terbukti untuk Keamanan Finansial

Penghasilan pasif berfungsi sebagai cara terbaik untuk membantu Anda menghasilkan arus kas tambahan untuk kebutuhan finansial Anda saat ini. Seperti yang kita lihat secara langsung dari gangguan ekonomi yang disebabkan oleh COVID-19, memiliki banyak sumber pendapatan dapat memberikan penyangga finansial yang kuat, baik Anda kehilangan pekerjaan atau tidak.

Pandemi ini membuat situasi pekerjaan banyak orang menjadi berantakan dan menyediakan investasi pendapatan pasif untuk menjembatani kesenjangan dari pengangguran atau ketidakpastian ekonomi sangatlah membantu. Keuntungan dari passive income adalah meskipun Anda memiliki pekerjaan utama, Anda masih bisa mendapatkan uang melalui sumber pendapatan lain. Gunakan untuk hidup lebih mudah atau tingkatkan kekayaan Anda lebih banyak. Apa pun yang terjadi, memiliki penghasilan pasif akan membantu.

Lihatlah daftar ide pendapatan pasif terbaik ini untuk melihat apakah ada yang masuk akal untuk situasi Anda dan apakah Anda harus mempertimbangkannya untuk portofolio Anda.

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1. Berinvestasi dalam CD atau Rekening Tabungan Bunga Tinggi
2. Properti Sewa
3. Platform Real Estat Crowdsourced
4. Usaha Kecil
5. Perwalian Investasi Real Estat (REIT)
6. Investasi Alternatif
7. Berinvestasi di Lahan Pertanian
8. Saham Dividen
9. Tangga Ikatan
10. Menjual Produk Informasi
11. Membalik Produk Ritel
12. Menjadi Pengembang Aplikasi
13. Pemasaran Afiliasi
14. Sewakan Rumah Anda untuk Jangka Pendek
15. Beriklan di Mobil Anda
16. Menyewakan Barang-barang Rumah Tangga
17. Anuitas
18. Berinvestasi Secara Otomatis di Pasar Saham
19. Jual Stok Foto
20. Lisensi Royalti Musik
21. Penyewaan Penyimpanan
22. Situs Uang Kembali
23. Dapatkan Bayaran untuk Memiliki Aplikasi di Ponsel Anda
24. Menghemat Uang untuk Tagihan Utilitas
25. Desain Kaos
26. Beli Mesin Penjual Otomatis
27. Beli Tempat Cuci Mobil
28. Beli Bisnis yang Sudah Mapan
29. Sewakan Mobil Anda
30. Berinvestasi dalam Bisnis sebagai Mitra Terbatas
31. Membayar atau Mengurangi Hutang
32. Jual File Digital di Etsy
33. Kartu Kredit Hadiah Cashback

Apa itu Penghasilan Pasif?

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Banyak orang sering melihat penghasilan pasif sebagai jenis penghasilan yang paling diinginkan karena berfungsi sebagai uang yang Anda hasilkan saat Anda tidur , pergi ke dokter gigi, memasak makanan, atau melakukan sesuatu yang menyenangkan bukan untuk tujuan menghasilkan uang.

Anda bisa melihat daya tarik uang jenis ini dibandingkan pendapatan aktif, atau lebih dikenal dengan IRS sebagai pendapatan biasa. Ini dihitung sebagai uang yang perlu Anda peroleh melalui pekerjaan Anda .

Tergantung pada sifat pekerjaannya, hal ini dapat berarti pembayaran berupa upah dan gaji, bonus, komisi, kompensasi saham, dan masih banyak lagi. Jumlah uangnya berbeda-beda dan berapa banyak yang Anda hasilkan, tetapi semuanya bermuara pada satu fakta:dalam beberapa bentuk atau cara, Anda telah membuat keputusan untuk menukar waktu Anda dengan uang.

Anda dapat menskalakan persamaan waktu demi uang dengan memperoleh pendapatan yang lebih tinggi, bekerja berdasarkan komisi dan menghasilkan bagian yang lebih besar dari setiap penjualan, mendapatkan saham di perusahaan yang sedang berkembang, dan banyak lagi.

Namun pendapatan aktif Anda tidak akan pernah menghilangkan waktu seperti pendapatan pasif.

Intinya, frasa “pendapatan pasif” merujuk pada penghasilan yang berasal dari sumber yang bukan pemberi kerja atau kontraktor.

Ketika melihat definisi pendapatan pasif yang digunakan oleh Internal Revenue Service (IRS), dikatakan bahwa pendapatan pasif dapat berasal dari dua sumber:properti sewaan yang Anda miliki dan operasikan atau bisnis di mana Anda tidak berpartisipasi secara aktif. Hal ini mencakup gagasan pendapatan pasif seperti menerima royalti buku, pembagian keuntungan dari bisnis yang Anda miliki bersama sebagai mitra komanditer, atau dividen saham.

Banyak orang yang salah paham bahwa pendapatan pasif diperoleh dengan cara menghasilkan uang dengan sedikit kerja, padahal sebenarnya ini mengacu pada metode investasi dalam tindakan dan aset yang menghasilkan arus kas sekarang atau di masa depan tanpa memerlukan usaha lebih lanjut.

Yang paling penting:pendapatan pasif tidak selalu memenuhi kebutuhan “cepat kaya” yang mungkin dimiliki sebagian orang dan sebagian besar hanya mewakili cara untuk bekerja atau berinvestasi di muka untuk menerima uang secara pasif di masa depan.

Anda menghabiskan waktu dan uang Anda untuk mengambil keputusan dengan keuntungan jangka panjang. Hal ini tidak berarti Anda tidak perlu melakukan lebih banyak upaya untuk mempertahankan aliran pendapatan ini dan terus membangun sumber pendapatan ini.

Penghasilan pasif adalah hasil dari beberapa pekerjaan di muka, namun Anda juga melakukan beberapa pekerjaan tambahan untuk menghasilkannya. Anda mungkin perlu selalu memperbarui produk atau properti Anda agar dapat memanfaatkan dana pasif secara maksimal dan terus mengalirkannya.

Dengan pemikiran ini, gagasan pendapatan pasif yang tercantum di sini mewakili cara terbaik untuk mencapai keamanan pendapatan jangka panjang.

Ide Penghasilan Pasif yang Dapat Anda Akses untuk Membangun Kekayaan

Jika Anda berpikir untuk menciptakan aliran pendapatan pasif, ada berbagai cara untuk melakukannya. Ide penghasilan pasif di bawah ini mewakili beberapa cara yang paling umum—dan tidak umum—untuk memperoleh penghasilan pasif.

Sebelum melanjutkan dengan satu sumber pendapatan dalam daftar ini, pastikan untuk memahami risiko yang terkait dengan masing-masing sumber pendapatan dan kesesuaiannya dengan portofolio Anda yang lebih luas serta toleransi risiko secara keseluruhan.

1. Simpan Uang Anda di CD atau Rekening Tabungan Bunga Tinggi

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Jika Anda ingin mencari sumber pendapatan pasif bebas risiko dengan imbal hasil tertinggi di luar sana, Anda dapat mempertimbangkan untuk berinvestasi dalam sertifikat deposito (CD) atau rekening tabungan dengan imbal hasil tinggi melalui bank online. Bank-bank ini tidak memiliki jaringan cabang fisik yang mahal dan dapat memberikan penghematan biaya ini kepada Anda melalui suku bunga yang lebih tinggi.

Apa yang lebih baik tentang bank online saja adalah Anda bahkan tidak perlu meninggalkan rumah untuk mendapatkan penghasilan pasif. Sulit untuk mengalahkannya.

Peluang:  Untuk memaksimalkan suku bunga CD Anda atau rekening tabungan , Anda sebaiknya mempertimbangkan bank online saja, karena biasanya bank tersebut menawarkan harga paling kompetitif. Untuk CD, gunakan bank seperti CIT Bank akan menawarkan hasil yang paling kompetitif di pasar.

Bank menawarkan sertifikat deposito dengan harga bersaing dalam perekonomian ini. Jika Anda mencari sesuatu yang lebih likuid dengan imbal hasil yang menarik, sebaiknya Anda menggunakan tingkat suku bunga terdepan di industri pada rekening tabungan dengan imbal hasil tinggi melalui bank seperti CIT Bank .

Keduanya dilengkapi dengan asuransi pokok Anda yang dijamin FDIC hingga $250.000.

Risiko:  Selama Anda melakukan transaksi perbankan dengan perusahaan seperti CIT Bank , yang didukung oleh FDIC dan dalam batas tertentu, Anda akan aman.

Oleh karena itu, memilih untuk berinvestasi dalam CD atau rekening tabungan mewakili cara teraman untuk mendapatkan penghasilan pasif.

Tarif telah meningkat secara dramatis dan tampaknya akan bertahan untuk sementara waktu. Oleh karena itu, suku bunga yang Anda terima pada produk tabungan ini tidak hanya akan mengalahkan uang yang disimpan dalam bentuk tunai atau rekening giro tanpa bunga. , mereka bebas risiko jika digunakan untuk menyimpan uang tunai hingga batas yang diasuransikan oleh FDIC.

Rekening Tabungan Bunga Tinggi

Koneksi Tabungan Bank CIT | Rekening Tabungan Bunga Tinggi

4.4

4,00% APY. Tidak ada biaya layanan akun bulanan.

• CIT Bank adalah bank online yang menawarkan suku bunga kompetitif untuk berbagai produknya.
• Dapatkan hingga 9 kali lebih banyak dari tingkat bunga rata-rata nasional dengan menyimpan uang tunai dan tabungan lainnya di rekening tabungan hasil tinggi CIT Bank Savings Connect.

Kelebihan:

• Suku bunga kompetitif
• Setoran minimum rendah ($100)
• Fitur perbankan seluler

2. Properti Sewa

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Untuk mendapatkan penghasilan pasif dari investasi, Anda dapat berinvestasi di properti sewaan . Namun, banyak orang merasa butuh waktu lebih lama untuk melihat hasilnya daripada yang mereka inginkan. Selain itu, mereka harus mengatasi kerumitan dalam mengelola properti sewaan dan penyewa .

Berinvestasi tanpa memahami risikonya bisa menjadi kesalahan yang merugikan.

Peluang:  Untuk memperoleh penghasilan pasif dari properti sewaan Anda harus menentukan tiga hal:

• Berapa target keuntungan Anda?
• Berapa total biaya pembelian dan pengelolaan properti?
• Apa saja risiko yang terkait dengan kepemilikan dan pengelolaan properti sewaan ini?

Jika sasaran Anda adalah memperoleh arus kas sewa sebesar $15.000 per tahun dan properti tersebut memiliki hipotek bulanan sebesar $2.500 serta dikenakan biaya tambahan sebesar $400 untuk pajak dan biaya real estat terkait lainnya per bulan, Anda harus mengenakan biaya sewa bulanan setidaknya sebesar $4.150.

Di beberapa wilayah di negara ini, hal ini bukanlah suatu hal yang tidak masuk akal. Itu juga tergantung pada ukuran rumahnya. Anda juga harus menyadari apresiasi modal seiring dengan meningkatnya nilai rumah seiring berjalannya waktu.

Risiko:  Ada beberapa pertanyaan yang perlu dipertimbangkan sebelum berinvestasi dalam proyek real estat:

• Apakah properti Anda ada di pasar yang diinginkan?
• Apa yang terjadi jika Anda menandatangani penyewa yang terlambat membayar (atau tidak membayar sama sekali) atau merusak properti?
• Bagaimana jika Anda gagal menemukan penyewa?

Situasi seperti ini terjadi ketika bahkan dengan ide penghasilan pasif terbaik, penghasilan Anda masih bisa kurang dari yang diharapkan.

Ditambah lagi tantangan-tantangan baru yang ditimbulkan oleh pandemi ini. Meskipun mungkin hanya bersifat sementara, Anda mungkin akan dibebani dengan penyewa yang tidak hanya tidak perlu membayar sewa tetapi juga tidak perlu mengosongkan properti karena perlindungan hukum, moratorium penggusuran, dan banyak lagi.

Tiba-tiba, properti investasi Anda menjadi lubang uang dan kewajiban di neraca Anda, bukan aset.

3. Platform Real Estat Crowdsourced

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Ini mungkin tidak mengejutkan, namun berbagai jenis investasi real estat menarik bagi banyak orang karena berbagai alasan:

• sifat nyata dari investasi
• korelasi rendah dengan pasar saham
• beberapa komponen pengembalian (aset yang nilainya terapresiasi  dan juga menghasilkan pendapatan sewa)
• keuntungan pajak.

Namun, faktor langsung dalam memiliki, merenovasi, dan memelihara properti Anda serta bertindak sebagai tuan tanah menghalangi banyak orang untuk memulai.

Peluang: Berkat munculnya fintech, atau penggunaan teknologi untuk meningkatkan dan mengotomatiskan transaksi dan proses keuangan tertentu, banyak perusahaan kini menawarkan peluang untuk berinvestasi di real estate dengan atau tanpa memiliki properti.

Saat ini, salah satu cara terdepan (dan termudah) untuk memulai investasi real estat adalah melalui pinjaman atau pembelian crowdsourcing.

Beberapa platform online memenuhi permintaan investor ini dengan menyediakan berbagai tingkat layanan, opsi investasi, dan titik investasi berbeda dalam rantai nilai real estat. Hal ini mengakibatkan Anda menghindari aspek apa pun yang mungkin tidak ingin Anda ikuti, seperti memiliki atau mengelola properti namun tetap mendapatkan eksposur terhadap opsi investasi alternatif ini.

Tergantung pada jenis investasi yang ingin Anda lakukan dalam crowdfunding real estate usaha, Anda memiliki banyak pilihan yang tersedia untuk Anda. Beberapa opsi paling populer meliputi:

• Ekuitas Berganda – Berinvestasi dalam real estat komersial (khusus investor terakreditasi)
• Lantai dasar – Berinvestasi dalam perbaikan dan pembalikan
• Pengumpulan Dana – Berinvestasi dalam portofolio real estat termasuk real estat komersial dan residensial

Risiko: Aplikasi ini mengandalkan pemilihan investasi outsourcing, manajemen biaya, dan keseluruhan pengoperasian portofolio investasi real estat.

Meskipun perusahaan-perusahaan ini hanya boleh mempekerjakan individu-individu yang berpengalaman dalam bidang pekerjaan ini, bahkan dengan pemeriksaan dan seleksi investasi terbaik sekalipun, kondisi pasar dapat memburuk dan mengakibatkan hasil investasi yang buruk. Jika portofolio real estat yang mendasarinya cukup buruk, hal ini dapat mengakibatkan tekanan finansial bagi aplikasi investasi real estat crowdfunding, yang berpotensi menutup perusahaan atau menyebabkan hasil keuangan berbeda dari yang diharapkan.

Namun, risiko ini tidak hanya terjadi pada platform investasi crowdsourcing. Investasi real estat tradisional seperti yang disebutkan di atas dapat memberikan hasil yang serupa.

Perbedaannya ketika berinvestasi melalui aplikasi dengan orang lain adalah risiko bersama yang Anda tanggung dengan investor lain dibandingkan dengan Anda yang memiliki dan mengelola properti sendiri, yang menanggung risiko penuh dan manajemen keputusan.

Terkait:11 Alternatif Fundrise Terbaik [Aplikasi Terakreditasi &Non-Terakreditasi]

4. Usaha Kecil

investasi utama

Bayangkan, jika Anda mau, sebuah kota kecil di jantung Amerika. Jalanan dipenuhi dengan toko-toko kuno dan restoran-restoran yang menawarkan makanan rumahan bagi penduduk lokal dan pengunjung.

Saat Anda menyusuri jalan utama ini, Anda bisa merasakan rasa kebersamaan yang memenuhi udara. Orang-orang mampir ke bisnis masing-masing untuk mengobrol tentang keseharian mereka atau memberikan bantuan bila diperlukan; rasanya semua orang adalah keluarga di sini. Dan itu memang benar, disadari atau tidak.

Bukan hanya satu perusahaan kecil yang menyediakan lapangan kerja untuk kota ini; melainkan setiap pemilik toko telah menciptakan bisnis khusus mereka sendiri yang juga memberikan kegembiraan dan stabilitas finansial bagi orang-orang di sekitar mereka. Tidakkah Anda ingin mendukung komunitas seperti itu dan melihat apakah komunitas tersebut akan berkembang?

Nah, sekarang Anda bisa melakukannya melalui layanan crowdfunding usaha kecil yang disebut Mainvest .

Peluang: Berinvestasilah dalam bisnis kecil lokal atau nasional. Miliki pendekatan investasi berdampak untuk menyalurkan dana ke bisnis yang mendorong sebagian besar lapangan kerja di Amerika.

Risiko: Ini adalah usaha kecil, beberapa di antaranya masih dalam tahap awal. Mereka juga terpapar risiko terkait kebijakan publik, seperti perintah untuk tetap tinggal di rumah yang diberlakukan oleh banyak negara bagian dan daerah sebagai akibat dari pandemi ini.

Jika Anda ingin berinvestasi dalam bisnis kecil, Mainvest kurator telah memeriksa peluang bisnis kecil di komunitas lokal atau nasional agar Anda dapat berinvestasi, melacak, dan membangun portofolio dalam investasi pendapatan pasif.

Usaha bisnis ini menawarkan imbal hasil antara 10-25% per tahun melalui nota bagi hasil, yang merupakan perjanjian keuangan untuk membagi pendapatan dengan investor hingga mencapai imbal hasil tertentu. Pembayaran ini dilakukan sebagai pengganti bunga pinjaman tradisional.

Mainvest mempunyai tanggung jawab untuk melindungi investor dari bisnis yang tidak memiliki arah atau alasan investasi yang kuat bagi investor ritel. Oleh karena itu, layanan ini hanya menerima 5% bisnis yang mendaftar ke platform ini guna mengumpulkan modal guna mengembangkan bisnis mereka.

Platform ini memeriksa bisnis-bisnis ini agar Anda dapat membuat keputusan investasi yang tepat berdasarkan minat dan strategi investasi Anda sendiri.

Anda dapat berinvestasi berdasarkan lokasi, industri, dan selera risiko dengan membandingkan persyaratan dan data kualitatif untuk 300+ peluang investasi yang telah diluncurkan di platform investasi usaha kecil ini sejak didirikan.

Pertimbangkan untuk memanfaatkan jenis investasi baru hanya dengan $100 di Mainvest .

Mulailah dari yang kecil dan lihat bagaimana kinerja kelas aset alternatif sebelum menjadikannya bagian penting dari portofolio Anda.

Terbaik untuk Investasi Usaha Kecil

Investasi Utama | Berinvestasi dalam Bisnis Kecil

4.4

Tidak ada biaya langsung untuk berinvestasi.

• Mainvest adalah platform investasi bisnis kecil yang memungkinkan Anda menargetkan pengembalian 10%-25% hanya dengan $100 untuk memulai.
• Investasi pendapatan pasif pada usaha kecil yang terverifikasi ini dapat memberikan portofolio Anda eksposur terhadap kelas aset yang sedang berkembang sambil mendukung komunitas lokal.
• Berinvestasilah pada bisnis pendiri yang inovatif dan berbasis komunitas di halaman belakang rumah Anda dan di seluruh negeri.

Kelebihan:

• Berinvestasi dalam bisnis kecil hanya dengan $100
• Berinvestasilah pada bisnis lokal untuk mendapatkan dampak
• Target pengembalian yang tinggi (10-25%)
• Tanpa biaya

Kekurangan:

• Tidak dapat berinvestasi pada bisnis yang hanya bersifat digital
• Tidak likuid (tidak bisa membeli/menjual di pasar sekunder)
• Ukuran investasi maksimum bergantung pada pendapatan atau kekayaan bersih Anda

Terkait:Cara Berinvestasi dalam Bisnis Kecil [Bertindak Lokal untuk Keuntungan Jangka Panjang]

5. Dana Investasi Real Estat (REIT)

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REIT adalah perwalian investasi real estat, yang merupakan jargon teknis untuk jenis investasi real estat perusahaan yang memiliki dan mengelola real estat atas nama sekelompok investor yang ingin memperoleh penghasilan pasif.

Mereka lebih suka menyewa tim untuk melakukan pekerjaan dan mengumpulkan distribusi rutin dari dana perwalian investasi real estat.

Salah satu keuntungan REIT adalah struktur hukumnya. Jika REIT meneruskan sebagian besar pendapatan sewa yang diperoleh dari properti yang mereka miliki kepada investor, mereka tidak membayar pajak perusahaan. Hanya pemegang saham yang membayar pajak dalam keadaan tersebut.

Peluang: Investor dapat membeli REIT di pasar saham sama seperti yang mereka lakukan pada perusahaan atau ekuitas lainnya. Jika Anda mencari investasi dengan pendapatan yang kuat, REIT yang membayar dividen bisa menjadi pilihan yang tepat.

REIT terbaik menawarkan dividen yang meningkat secara berkala dan dapat bertindak sebagai sumber pendapatan pasif di masa depan.

Seperti halnya memegang saham dividen, memiliki REIT individu bisa lebih berisiko dibandingkan berbagai saham REIT dalam dana indeks. Dana memberikan sejumlah manfaat besar, seperti diversifikasi langsung dan keamanan.

Anda juga dapat mempertimbangkan REIT yang tidak terdaftar di pasar dari perusahaan swasta seperti Streitwise . Perusahaan ini telah melampaui REIT publik dalam hal distribusi dan memiliki rekam jejak yang luar biasa dalam pembayaran dividen.

Streitwise adalah era baru investasi real estat. Dengan modal yang dikumpulkan oleh investor yang memenuhi syarat, perusahaan memanfaatkan investasi properti dengan kinerja terbaik ke dalam portofolio yang dirancang secara profesional.

Pengembaliannya kemudian didistribusikan dan dilayani melalui REIT online- dengan pendapatan Anda sebagai misinya.

Jika Anda ingin menghasilkan pendapatan pasif sambil menghemat uang, Streitwise memberikan peluang sempurna bagi investor terakreditasi dan non-akreditasi dan menawarkan salah satu struktur biaya terendah.

Perusahaan ini telah memberikan imbal hasil tahunan sebesar 8,4% karena pemilihan propertinya yang unggul dan struktur biaya yang rendah, jauh melampaui Public REITs atau obligasi sejenis.

Investasi yang memenuhi syarat mencakup properti yang tersebar luas di seluruh Amerika mulai dari Midwest hingga West Coast dan memanfaatkan berdasarkan Streitwise's analisis.

Dengan menempatkan $5 juta dari uang mereka sendiri dalam investasi ini, Streitwise memberikan banyak manfaat bagi semua sponsor dan 100% penyelarasan insentif antara kepentingan sponsor dan investor setiap saat.

Layanan ini memiliki investasi minimum $5.000 untuk mulai berinvestasi di properti real estat komersial. Perusahaan ini menyediakan penawaran REIT yang terdaftar secara federal di SEC dan menawarkannya kepada investor terakreditasi dan non-akreditasi .

Berinvestasi melalui sarana investasi seperti REIT Streitwise menawarkan sumber pendapatan pasif, arus kas berulang, imbal hasil lebih tinggi, diversifikasi portofolio, dan perlindungan inflasi.

Dengan pengembalian tahunan sebesar 8,4% dan struktur biaya rendah, Streitwise memberikan salah satu peluang terbaik untuk mendapatkan penghasilan pasif dalam investasi real estat.

Perusahaan ini melampaui REIT serupa dan telah menghasilkan pengembalian dividen tahunan minimal 8% selama 17 kuartal terakhir, dengan tingkat tahunan rata-rata sebesar 9,44%.

Terlepas dari dampak Covid pada pasar real estat secara umum, Streitwise berhasil mencapai target pengembalian melalui penggunaan sewa kredit yang kuat (100% kewajiban sewa kontraktual dipenuhi pada tahun 2020), penjaminan yang konservatif (51% pinjaman terhadap nilai, LTV), dan struktur biaya yang rendah/transparan.

Risiko:  Berinvestasi di REITs adalah strategi pendapatan pasif jangka panjang dengan biaya rendah dan mudah. Meskipun demikian, Anda perlu meluangkan waktu untuk menganalisis berbagai perusahaan tempat mereka berinvestasi, namun perusahaan tersebut dapat bermanfaat dalam jangka panjang jika dipilih dengan bijak.

Meskipun sebagian besar merupakan aktivitas pasif, Anda bisa kehilangan banyak uang jika Anda tidak tahu cara berinvestasi di REIT dengan benar atau tidak tahu apa yang Anda lakukan. Sama seperti saham, harga REIT dapat berfluktuasi dalam jangka pendek, sehingga menyebabkan volatilitas pada portofolio Anda.

Dividen dari REITs tidak dilindungi oleh masa perekonomian yang sulit. Performa seperti Streitwise selama resesi bukanlah hal yang biasa.

Jika REIT tidak menghasilkan pendapatan yang cukup untuk menutupi biaya pengelolaannya, seperti halnya perusahaan yang tidak mampu menutupi biaya, REIT mungkin harus memotong atau menghilangkan dividennya, sehingga menurunkan REIT.

Dengan kata lain, ide passive income ini bisa saja berubah menjadi mimpi buruk passive income.

Namun, jika Anda merasa investasi REIT adalah upaya yang bermanfaat dan Anda ingin menjelajahi REIT swasta melalui Streitwise atau REIT yang diperdagangkan secara publik melalui aplikasi seperti M1 Finance , Anda akan berada di perusahaan yang baik.

Untuk membangun aliran pendapatan pasif dari REIT, teruslah menginvestasikan kembali dividen Anda secara otomatis untuk membangun posisi Anda saat Anda membutuhkan pendapatan.

Sejalan | Mulailah Berinvestasi di REIT Swasta Sekarang

• Mulailah mendapatkan penghasilan pasif di real estat pribadi seharga ~$3.500.
• Streitwise REIT memberi investor akses ke properti komersial yang stabil dan berkualitas institusional.
• Pada 4Q2023, Streitwise membayar dividen triwulanan dengan tingkat tahunan sebesar 7,2% sejak 2017, setelah dikurangi biaya. Jumlah ini kira-kira dua kali lipat rata-rata yang dibayarkan oleh alternatif REIT publik.

Kelebihan:

• Rekam jejak kinerja yang kuat vs. pesaing di industri
• Biaya yang lebih rendah dibandingkan dana lainnya (2%/tahun, tanpa biaya sindikator)
• Program DRIP

Kekurangan:

• Investasi minimum tinggi (~$3.500)
• Tidak likuid
• Penalti untuk menebus saham dalam waktu lima tahun

Terkait:Aplikasi Investasi Terbaik untuk Pemula

Pertimbangkan juga Investasi Peringkat Teratas lainnya berikut ini:

Aplikasi Perdagangan Saham untuk Pemula

Investasi Real Estat Online

Platform Investasi Seni Blue-Chip

Platform Investasi Kredit Swasta Terbaik

Robinhood

Penggalangan Dana

Karya agung

Persen

4.5

4.4

4.0

4.5

Perdagangan bebas komisi. Robinhood Gold:Uji coba gratis selama 30 hari, lalu $5/bln.

Sebagian besar dana:biaya tahunan 0,85%. Dana Inovasi Fundrise:biaya tahunan 1,85%.

Investasi minimum:$1.000

Investasi Minimal:$500. Biaya:10% dari setiap pembayaran bunga yang diiklankan.*

Memulai

Daftar

Daftar

Memulai

Aplikasi Perdagangan Saham untuk Pemula

Perdagangan bebas komisi. Robinhood Gold:Uji coba gratis selama 30 hari, lalu $5/bln.

Investasi Real Estat Online

Sebagian besar dana:biaya tahunan 0,85%. Dana Inovasi Fundrise:biaya tahunan 1,85%.

Platform Investasi Seni Blue-Chip

Investasi minimum:$1.000

Platform Investasi Kredit Swasta Terbaik

Investasi Minimal:$500. Biaya:10% dari setiap pembayaran bunga yang diiklankan.*

6. Investasi Alternatif

Persen

Investasi alternatif menjadi semakin populer karena layanan fintech membuka pasar yang sebelumnya tertutup bagi investor ritel individu. Peluang ini telah mendemokratisasi banyak pasar dan membuka arus kas yang sebelumnya tidak dapat diakses untuk menambah penghasilan Anda dari aset.

Orang-orang selalu tertarik pada investasi alternatif karena mereka menawarkan:

• korelasi rendah dengan pasar saham
• likuiditas yang lebih rendah (dan dengan demikian, diharapkan premi likuiditas akan meningkatkan hasil tahunan rata-rata dan menjadi investasi dengan hasil tinggi )
• diversifikasi di luar kelas aset standar

Peluang: Berinvestasi pada alternatif memberikan sejumlah manfaat potensial bagi keseluruhan portofolio Anda melalui diversifikasi dan tujuan investasi yang berbeda. Namun, berinvestasi pada satu jenis aset alternatif mungkin tidak cukup untuk mendapatkan manfaat tersebut saja.

Sebaliknya, berpartisipasi dalam pasar investasi alternatif untuk mendiversifikasi eksposur risiko dan profil keuntungan Anda mungkin merupakan ide yang bagus.

Percent adalah platform investasi yang dirancang untuk investor terakreditasi yang tertarik mengakses kredit swasta (pinjaman non-bank).

Anda dapat mendiversifikasi portofolio Anda dengan investasi seperti …

• pinjaman usaha kecil di Amerika Latin
• AS. keuangan litigasi
• KPR Kanada
• penarikan tunai pedagang

Percent telah membangun cara bagi investor ritel terakreditasi untuk mengakses berbagai peluang kredit swasta dengan pandangan yang jelas mengenai kinerja mereka melalui alat inovatif dan data pasar yang komprehensif. Hal ini memungkinkan investor mengambil keputusan yang lebih tepat, mencari dan membandingkan peluang, serta memantau kinerja dengan mudah.

Platform ini juga menyediakan akses ke investasi alternatif yang sedikit lebih likuid dibandingkan investasi lainnya, dengan beberapa investasi utang hanya bertahan sembilan bulan, dengan likuiditas tersedia setelah bulan pertama dalam beberapa kasus.

Layanan ini menargetkan pengembalian tahunan atas surat utang tanpa jaminan rata-rata antara 12% hingga 18% dan hingga 20%. Meskipun investasi minimum bervariasi, banyak peluang Percent hanya memerlukan $500 untuk berinvestasi.

Risiko: Risiko alternatif hampir sama dengan peluang:likuiditas lebih sedikit dibandingkan pasar keuangan tradisional, ketidakpastian harga pasar, biaya lebih tinggi, dan volatilitas portofolio.

Demikian pula, hanya memiliki aset yang berkorelasi non-pasar tidak menjamin keuntungan, juga tidak melindungi terhadap kerugian nilai.

Berinvestasi pada aset alternatif merupakan sebuah risiko dan hanya boleh dilakukan dalam jumlah kecil sampai Anda memahami kelas aset alternatif tersebut.

Jika Anda tertarik, kunjungi situs Percent untuk mempelajari lebih lanjut atau membuka akun.

Platform Investasi Kredit Swasta Terbaik

Persen | Investasi Alternatif. Sederhana.

4.5

Investasi Minimal:$500. Biaya:10% dari setiap pembayaran bunga yang diiklankan.*

• Akses bagi investor terakreditasi ke pasar kredit swasta, yang secara historis terbatas pada investor institusi
• Investasi jangka pendek, dengan banyak jangka waktu antara 9 bulan hingga beberapa tahun, dan likuiditas tersedia setelah bulan pertama, jika peminjam memberikan opsi ini
• Minimum yang lebih rendah (sebagian besar transaksi hanya membutuhkan $500 untuk berinvestasi)
• Diversifikasi, dengan akses ke pinjaman usaha kecil di Amerika Latin, pembiayaan litigasi AS, hipotek perumahan Kanada, penarikan tunai pedagang, dan banyak lagi
• Pengembalian yang tidak berkorelasi dengan pasar saham dan potensi lindung nilai terhadap volatilitas pasar saham

Kelebihan:

• Likuiditas lebih besar dibandingkan banyak investasi alternatif
• Investasi minimum rendah
• Korelasi pasar saham yang rendah

Kekurangan:

• Hanya dapat diakses oleh investor terakreditasi

* Contoh:Untuk penawaran dengan APY 15%, Persen akan mengenakan biaya 1,5%, sehingga memberikan APY bersih sebesar 13,5%.

Terkait: Bonus, Promosi, dan Penawaran Pendaftaran Akun Pialang Terbaik

7. Berinvestasi di Lahan Pertanian

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Ada jenis real estat lain yang dapat Anda investasikan di luar properti residensial dan komersial, seperti lahan pertanian. Secara historis, investasi lahan pertanian hanya tersedia bagi orang-orang yang sangat kaya. Namun, dengan diperkenalkannya platform crowdfunding seperti FarmTogether , hambatan masuk yang tinggi ini telah berkurang secara signifikan, dan aset ini dapat diakses secara luas oleh semua jenis investor untuk pertama kalinya.

Sebagai salah satu investasi pendapatan pasif terbaik, lahan pertanian biasanya menawarkan laba atas investasi yang stabil dan dapat diandalkan, korelasi yang rendah terhadap aset tradisional seperti saham dan obligasi, dan lindung nilai terhadap inflasi. Selama beberapa dekade terakhir, lahan pertanian secara konsisten menghasilkan keuntungan lebih dari 10%; lagi pula, kegunaan utama tanah adalah makanan, dan manusia akan selalu membutuhkan makanan.

Hal ini juga membuat real estat lahan pertanian sangat cocok untuk diapresiasi seiring berjalannya waktu. Faktanya, selama sepuluh tahun terakhir, nilai lahan pertanian Amerika telah meningkat lebih dari 6% setiap tahunnya.

Pertanian Bersama | Berinvestasi di Lahan Pertanian AS

• FarmTogether adalah platform investasi berbasis teknologi dengan akses langsung ke lahan pertanian berkualitas institusional.
• Tim FarmTogether menyaring ratusan peluang untuk memilih hanya yang terbaik. Peluang bervariasi berdasarkan jenis, hasil yang diharapkan, dan lokasi. 
• Investor terakreditasi dapat memulai hanya dengan $10.000. 

8. Saham Dividen

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Investor dapat menghasilkan aliran pendapatan pasif dengan berinvestasi pada saham dividen dari perusahaan yang membagikan keuntungannya. Perusahaan membayar dividen tunai setiap triwulan, setengah tahunan, atau tahunan, dan yang perlu Anda lakukan hanyalah berinvestasi pada saham mereka untuk mendapatkan pembayaran Anda.

Besarnya pendapatan yang Anda terima dari dividen tergantung pada jumlah saham yang Anda miliki. Semakin banyak modal yang diinvestasikan, semakin banyak dividen yang dapat Anda terima.

Peluang: Saham menawarkan cara pasif untuk menghasilkan uang karena pendapatan tidak terikat pada aktivitas apa pun selain melakukan investasi pada awalnya. Berinvestasi dalam saham dividen atau ETF merupakan bentuk investasi pendapatan pasif yang pasti. Perusahaan akan membagikan dividen dan mereka akan menyetorkannya secara otomatis ke akun pialang Anda .

Risiko:  Salah satu tantangan dalam memperoleh penghasilan dari saham adalah memilih saham yang tepat melalui pemilihan saham . Sebagai ilustrasi, bayangkan berinvestasi pada perusahaan dengan dividen tinggi namun dividen tidak berkelanjutan.

Anda mungkin tidak mengetahuinya pada saat itu, namun perusahaan dapat mengalami kesulitan keuangan dan memilih untuk memangkas dividen segera setelah Anda membeli. Biasanya, investor lain juga membeli saham tersebut untuk mendapatkan dividen yang tinggi, dan mungkin berpikir untuk menjualnya ketika keuntungan pendapatan ini hilang.

Hal ini akan menyebabkan kerugian dua kali lipat pada investasi Anda:hilangnya dividen yang tinggi di masa depan dan kerugian pada investasi modal awal Anda karena nilai saham kemungkinan besar akan turun. Sebelum terjun ke pasar untuk menemukan saham dengan dividen tinggi, Anda harus menggunakan beberapa aplikasi penelitian dan analisis saham teratas untuk menyaring beberapa karakteristik berbeda yang mungkin mempertahankan dividen tersebut.

Salah satu statistik utama yang harus diikuti adalah rasio pembayaran dividen perusahaan. Ini mengukur persentase arus kas perusahaan yang dibayarkan dalam bentuk dividen. Lihat apakah hal tersebut terlihat konsisten selama beberapa tahun (minimal 5-10 tahun) dan perusahaan telah mempertahankannya. Jika Anda melihat pergerakan naik atau turun yang dramatis, mendekati level yang sangat tinggi (mendekati atau di atas 100% berarti setiap dolar arus kas (atau lebih) digunakan untuk mendanai pembayaran dividen—sesuatu yang tidak berkelanjutan untuk jangka waktu yang lama) hal ini bisa menjadi tanda bahaya.

Untuk mengatasi hal ini, selidiki setiap perusahaan dengan mengakses laporan keuangan mereka melalui situs web riset investasi atau menggunakan aplikasi berita keuangan . Jika ini bukan pilihan Anda karena kesulitan menganalisis angka atau karena ini tidak cukup pasif bagi Anda, Anda masih dapat berinvestasi pada saham yang menghasilkan dividen tanpa menghabiskan banyak waktu untuk mengevaluasi perusahaan.

Anda mungkin mempertimbangkan untuk berinvestasi pada dana yang diperdagangkan di bursa, atau ETF. ETFs are investment funds that hold a variety of assets like a mutual fund would, but they trade like stocks on the stock market. One great way to generate passive income is by investing in ETFs. These instruments are diversified so if a company cuts its dividend or one company tanks, it has little impact on your investment.

ETFs represent an ideal choice for younger investors or people entering the market for the first time. They have instant diversification benefits, have high levels of liquidity, are inexpensive and have overall better return potential than a comparable mutual fund because of lower fees. But, these aren’t just for novice investors. Many professional investors rely on ETFs as index funds, or ETFs which track market indexes, to buy market performance. Held long enough, the dividends will rise and so too will your investment.

Another key risk is that stocks or ETFs can be down significantly in short periods of time, especially during times of market uncertainty. One such example occurred in March 2020 when the coronavirus hit and shook financial markets. Prices plummeted and the economic stress caused many companies to cut dividends to preserve cash. Diversified funds felt less of a pinch because it held a broader portfolio of companies, some of which maintained their dividends.

Consider investing through the best stock apps like M1 Finance for automating your dividend investing experience. You can reinvest them with your very own DRIP-style reinvestment plan through their automated robo-advisor service.

9. A Bond Ladder

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Think of a bond ladder as a different bond maturing at each rung, or in this case, period of time.

Formally, a bond ladder is a group of bonds with different maturation periods, giving you access to higher rates for long-term money and lower capital risk should you wish to reinvest your capital as it matures.

Because bond yields are low and short-term bonds pay next-to-nothing, locking up your cash in long-term bonds presents interest rate risk.

Opportunity:  One of the best passive income investments is a bond ladder, which has appealed to individuals seeking more certainty with their money or in need of cash more than capital appreciation.

You can sit back and collect interest, which helps turn your capital into a more stable stream of income.

When the bonds with the shortest maturity date get fully repaid, or mature, by the issuer, you can extend the ladder by rolling that principal into a new set of bonds.

When constructing a bond ladder, the recommended approach to take is to invest in bonds of different lengths:1-year, 3-year, 5-year, 7-year, 10-year and longer.

That way, in one year’s time, when the first bond matures, your bond ladder still holds bonds with two years, four years and six years left until maturity.

You can reinvest the proceeds from your current bond issue by buying more bonds that are due to mature in the next few years or you could switch your investments into long term bonds.

Risk:  One way to manage the risk of buying bonds is to create a bond ladder, which includes creating short-term and long-term investment plans for your investments.

One risk in bond investing comes from having a bond mature and you wish to reinvest the proceeds in a bond paying a lower rate of interest.

Bonds come with other risks, too. Not all companies will be able to repay their debt. Credit rating agencies place grades on bonds based on the issuer’s ability to repay, allowing you to determine the likelihood of receiving the money you invest in bonds.

Treasury bonds represent a riskless form of investment because they come backed by the full faith and credit of the federal government. Corporate bonds, on the other hand, do not. So, you could lose your principal if the company defaults.

Because of this, you’ll want to diversify your bond holdings across many issuers as a way to eliminate the risk of any single bond issuer defaulting and crippling your portfolio.

One other risk to owning bonds comes from interest rate risk. If you own longer-term bonds in a rising interest rate environment, this will push down the value of your bonds as investors flock toward the newest, higher-yielding bonds.

These concerns push many investors toward bond ETFs and mutual funds because they provide a diversified fund of bonds useful for setting up into a bond ladder. This eliminates the risk of one series of bonds tanking your portfolio’s returns.

Consider bond funds through an automatic investing platform like M1 Finance . The service offers automated investing into a portfolio that keeps your portfolio balanced in alignment with your wishes. Simply add money to your investment account and it’ll handle all the dirty work or rebalancing and reinvesting cash as it enters your account. All for free.

Consider opening a taxable investment account or even a retirement account like a Roth IRA on M1 Finance . If you want to invest for your kids, you can even open a custodial Roth IRA for kids to get them started on their investing journey early.

Easy-to-Use Robo-Investing App

M1 | The Finance Super App

4.1

$3/bln. for account balances <$10,000.*

• The M1 investing app is a basic robo-advisory system that acts almost like a 401(k). You build a "Pie" by choosing the stocks and ETFs you want to invest in, as well as the percentage of your portfolio that should be invested in each "Slice," and M1 uses that information to allocate your money each time you contribute.
• If you want help putting together a list of stocks and funds, you can use M1's model portfolios, which cover goals such as general investing, planning for retirement, income earners, and more.
• Enjoy a 4.00% APY on uninvested cash.
• Get a line of credit against your brokerage's account value at low fees (currently 6.40%) compared to other brokerage lines of credit.
• M1 lets you open individual, joint, and custodial brokerage accounts; traditional, Roth, and SEP IRAs; trusts; and cryptocurrency** accounts.

Kelebihan:

• Robo-advisor with self-directed investing elements
• Attractive APY on uninvested cash
• Borrow against your assets

Kekurangan:

• Limited selection of investible assets
• Doesn't allow trading throughout the trading day
• Monthly fees for account balances <$10,000

* Monthly fee waived if you have more than $10,000 in assets on M1 for at least one day in the billing cycle or have an active personal loan with M1. M1's monthly fee covers up to five individual or joint brokerage accounts, one trust, one crypto account, one traditional IRA, one Roth IRA, one SEP IRA, and unlimited custodial accounts. ** Crypto services, execution, and custody are provided by Bakkt Crypto Solutions LLC (NMLS ID 1828849) through a software licensing agreement with M1 Digital LLC. Bakkt Crypto Solutions LLC and M1 Digital LLC are not registered broker-dealers or FINRA members and your crypto holdings are not securities and are not FDIC or SIPC insured.

Related:

• Best Investments for Kids
• Best Investments for Teenagers
• Best Investments for Grandkids

10. Selling Information Products (Digital Products)

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One of the best options for passive income is simply having an information product and waiting while your earnings roll in.

This can mean creating things like an e-book, audio or video-based course, email course or some other knowledge-centered product providing ideas to help someone do something they otherwise might not know how to do.

If you make digital products like an e-book, you can distribute these through your website, social media, newsletters or other online forms of marketing.

If you have a course you think can make passive income for you, consider using sites like Udacity .

Alternatively, instead of building a course as your only information product, you might consider building a longer sales funnel and utilizing a “freemium model” on your digital products.

This allows you to build up a following as an influencer through developing free content on your website or social media channels to create awareness for your online course or other informational product.

From there, you can guide them through the sales funnel to the consideration phase where they become not only aware of your product, but consider it amongst the alternatives available in the market.

If you sell your online course well enough, you can charge for the premium, detailed information you propose to offer through your online courses.

Some examples include helping someone set up an investment portfolio through one of the best stock investing apps for beginners .

As another example, you might provide an online course that tells people how to get free stocks with detailed walk-throughs of each service offering these giveaways for signing up.

Finally, you might also want to demonstrate yourself as one of the best stock advisor services and show people how to research stocks on their own or with your help through your online course.

You can even help people to improve their personal finance skills.

In any example you choose, using this freemium model allows the free content to act as a demonstration of your expertise while upselling interested individuals on going to the next level of understanding and action.

Opportunity: Information products are an excellent option for passive income, because you make money as soon as your initial upfront work is done and people start buying your services.

You can set up an online store to market your online course and possibly even make money through affiliate marketing on other creators’ online course offerings.

Suddenly, you’ve added another passive income stream on top of your original source of passive income.

Risk: Undoubtedly, making a worthwhile product takes a significant amount of work and effort (and possibly money).

And if you want to earn money from it consistently, your information product needs to beat all the others on the market or compete in a market of its own.

There’s no room for trash out there.

To have a shot at success, you must build a strong platform, market your products and plan for creating and releasing more products to your satisfied customers if you want to be successful.

In fact, releasing one product might not be enough. If it sells very well consistently and rarely squares off against a competitor, consider yourself lucky. More likely will be the need to create more excellent products.

To generate passive income from this passive income idea, you must master the business model. From there, you’ll earn residual income enough to fund your next online course.

Related:Best Investment Apps

11. Flipping Retail Products

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Use online sales platforms like eBay or Amazon to purchase items you can sell for a profit elsewhere.

You’ll benefit from the difference in your purchase and sale prices, with some people following you for deals as a result.

Opportunity:  You will be able to take advantage of the difference between what you can find and what people who are not looking for your home might find.

Flipping retail products might work best if you know someone who can get discounts on merchandise that few others would be able to find.

For instance, you might find an overlooked toy at the bottom of a pile or a used bicycle in good condition.

Risk:  You have to work to find sources of good products to buy, but the sales happen online so you can leave your computer while they take care of themselves!

One more thing to watch out for is that you need a lot of cash to invest in all your products until they sell, so having lots of breathing room financially might be necessary.

You’ll also need a high level of familiarity with the market so the prices you buy for your inventory aren’t too high.

This would cut into your profit margins and force you to try reselling products for a price no one wants to pay.

As a result, you might need to cut prices and either sell at a loss or for breakeven rates.

12. Become an App Developer

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One way to make a passive income is to create an app and invest time upfront. The reward will be the passive income you receive over time as your app starts generating revenue.

You can be an app developer for any number of purposes, like a fun game, a money app for kids , stock tracking app , or even an educational game.

You don’t need to reinvent the wheel to find success. Occasionally, the best way is through new ideas and products being created or improved on – like an app that hooks you up with service providers near you.

Once an app is available for public download, it can generate income.

Opportunity:  An app can have a huge upside if you design something that catches your audience’s fancy. One of the challenges facing mobile app developers is generating revenue.

You’ll need to decide how you wish to monetize your app through an upfront fee, in-app ads, affiliate links inside the app, referrals or even an on-going monthly fee.

Even if you’ve hit on a successful idea, it may still need to receive incremental development and improvement in order to remain relevant and popular.

Risk:  The biggest risk is that you might use your time without getting anything good from it. Without a significant financial investment, you have little to lose from trying these ideas.

It’s a crowded market, and getting an app idea that has a truly compelling value or experience to customers is challenging. It is important to make sure that if your app collects any data, it is in compliance with privacy laws, regardless of its location.

One of the risks faced by many app developers is that their popularity may dry up, meaning they would need to get a new job elsewhere.

Put on your entrepreneur hat and start thinking of problems your app can solve!

13. Affiliate Marketing

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Affiliate Marketing is an excellent way to start a business on the internet with little capital. Affiliate marketing works by earning a commission for the sale of any product that you recommend.

It is free to join most affiliate programs, and all you need to do is create your own unique URL with links back to the company’s website where you want customers to head when they click on it.

Once in an affiliate program, assess whether it pays out monthly or annually. One of the best known affiliate partners is Amazon.

Other players in the space include Impact Radius, CJ, Awin, Aragon Premium and ShareASale. Many have used major social media platforms like Facebook, Instagram, TikTok and Twitter to grow a following and promote products.

Additionally, instead of relying solely on advertising or social media to generate revenue, you could also grow your fan base through email subscriptions.

Further, you can have a website like this one where people find your content largely through search engines like Google.

Opportunity:  When a visitor clicks on the affiliate link and makes a purchase from a merchant, downloads an app and takes a specific action, or signs up for some product or service, you will earn a commission.

Passive income is possible with these investments, but it takes significant traffic to your site. Payouts can vary by product or service and range anywhere from 1 to 50% of the offering sold.

But if you can grow your following or have a lucrative niche (such as SaaS, financial services or fitness), you may be able to make a lot of money.

Affiliate marketing is considered a passive income option because you receive money even if you just add your link to your website. In truth, it couldn’t be further from the truth.

Just adding a link to social media or a website won’t get you a conversion. You need to attract readers, build a following and produce useful information and content for them to consume. This will address a problem they have and how an affiliate you promote can uniquely address it.

14. Rent Out Your Home Short-Term

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Leaving for a vacation? Have a spare room in the house? Renting out your home to short-term guests leverages your empty space not being used anyway and turns it into a money-making opportunity.

You can turn your house into a passive income source by simply converting a spare room into a way to make money while you sleep—by hosting guests who sleep!

If you’re leaving your current space vacant for a time, consider renting it out. Likewise, if you’ve got permanently empty space in your home, consider renting it out short-term to guests.

Opportunity:  One of the best passive income ideas is listing your space on any number of websites, such as Airbnb. Building a passive income with tenants is an easy way to earn money from your initial home investment.

If you have new guests come every week, it might not be part of the most passive income ideas on this list but months-long tenants would certainly qualify. They simply need to book a stay in your rental property by either selecting available dates you’ve preset or asking for permission directly. If the two of you match, you’ll be able to host a guest in your spare room-turned-rental property.

Risk: Allowing strangers to stay in your house comes with an atypical risk compared to other income streams on this list. For example, it can be bothersome for your tenants to deface or steal property from your home, or even worse. Though, if handled well with explicit policies and guidelines, you can get paid and be on your way to earning passive income.

15. Advertise On Your Car

You may be able to earn some money passively by driving your car around town as a side hustle.

Contact a company that analyzes your driving habits and provides you with customized advice on how to boost your performance after where and how often you drive. If you meet a company’s criteria, the marketing company will apply the brands to your car for free.

Agencies look for newer cars typically and drivers should have and maintain a clean driving record.

Opportunity: Driving and earning:while you do have to get out and drive, if you’re already putting in the mileage anyway, this is a great way to earn hundreds per month with little or no extra cost. If drivers can be paid by the mile, this is a great option for those looking to make passive income.

Risk: Find a legitimate organization to work with if you’re looking at this as one of your passive income ideas. Many scammers set up operations in this space and can withhold payment or defraud you in some way. Proceed with caution.

16. Rent Out Household Items

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Here’s a variation on renting out an idle car as you might on a platform like Hyrecar :go even smaller with items around your house that people likely need every now and then but not enough to buy it themselves.

Things like hammers, lawnmowers, power tools, ladders, camping equipment, lawn furniture, and much more.

You’ll want to identify high-value items that people need for a short period of time. Especially those where it doesn’t make financial sense for them to own, but where it might for you.

If you want clients to be able to find and purchase your products or services, then create a way for them to search and buy what they need.

Opportunity:  Start small, gauge interest and grow from there in this passive income idea.

As the weather changes, consumers are more inclined to want a tent and sleeping bag for weekends of camping. Renting out these items are some of the best passive income ideas because they leverage stuff you may already have and put it to better (financial) use.

If you get large enough and want to offer more rentals but don’t want to have a home filled with household items waiting to be rented, consider first gauging demand and keeping inventory low.

If you see demand picking up for a particular item, consider waiting until you have enough people interested and buy it specifically for the purpose of renting to others.

There are some items that you will be able to redeem the cost back after a few uses.

Risk:  You can never be certain what will happen to the items you ship, but by adding clauses that protect you in the event of damage or theft, you can limit your liability and keep your clients happy.

Starting small is a good way to stay risk-free, especially if you already own the item and it will not be necessary to use in the near future.  Keep in mind liability when choosing what to rent out, especially concerning potential risks (e.g., power tools.)

17. Annuities

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Annuities are a way to address a potential income shortfall.

One annuity to consider is annuities with a guaranteed minimum income.

Another annuity that could be of interest is an annuity contract which will provide you, the investor, periodic payments until death. An example would be one providing for monthly payments as long as you are alive or lifetime annuities where the amount received each year depends on the annuitant’s age.

These passive income ideas involve buying an annuity upfront and then receiving periodic payments for as long as it is annuitized.

Annuities are one of the best investments to consider when looking at passive income ideas because they offer a guaranteed stream of income, often backed by an insurance company. Furthermore annuity contracts will provide you with monthly payments until death which may be more than enough if your needs can fit within these payments.

Opportunity: You can use an annuity to provide for your income needs during retirement.

An example would be one providing for monthly payments as long as you are alive or lifetime annuities where the amount received each year depends on the annuitant’s age. Furthermore, annuity contracts will provide you with monthly payments until death which can meet your ongoing income needs.

Risk: The risk of some annuities is that you are stuck with the same amount, or they don’t keep track with the actual rate of inflation, eating into your money over time.

Annuities can be expensive and have high administrative fees. Moreover it’s difficult to predict how long someone will live when buying an annuity so the initial cost could be too high for some people.

Related:Can I Retire at 60 with $500k?

18. Invest Automatically in the Stock Market

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There are also other passive income ideas for investors interested in the stock market besides dividend-paying stocks. There are many ways to automatically invest without needing to manage it yourself.

A robo-advisor is a piece of software that can give you advice on how to help to grow your assets through investing.

You can start making passive income through automatically investing in the stock market by taking about 10 minutes to register an account with a robo-advisor and pick a portfolio in alignment with your goals.

Opportunity: Robo-advisors allow you to hit the easy button on your investments by automating your contributions and investing them exactly how you want without needing to tend to them over time.

My favorite robo-advisor is M1 Finance  – which you can set up to automatically invest in and they will take care of the rest.

What’s great about M1 Finance is that they charge one of the lowest fees in the robo-advisor industry:nothing, and they make it really easy to invest automatically.

They also work well as a micro-investing app due to their ability to buy fractional shares .

Risk: As with any stock market-based investment, investing carries certain risks related to the potential loss of capital.

Though, if held long enough and in low-cost, diversified investments, your returns should always be positive.

Over the last 100 years, the likelihood of a low-cost index fund like VTI or VTSAX being lower than where it currently trades 10 years from now is extremely low. After 20 years? Practically non-existent.

19. Sell Stock Photos

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Have you ever wondered where your favorite websites, blogs, and magazines get their photos? These are typically obtained from stock photo websites.

If you enjoy photography, consider submitting your photos to stock photo sites such as DepositPhotos, the website used by Young and the Invested for sourcing stock photo content.

If you license your photos to a site like this, you’ll earn a commission every time someone purchases your photos.

20. License Music Royalties

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You can license music you have created and earn a royalty from its usage. Music is often licensed for video productions like YouTube Channel Videos, Twitch, television commercials and much more.

With the mounting demand for YouTube videos and podcasts, there is immense demand for music. People are willing to pay a lot of money to get their hands on great songs.

The way to start is to get your work into a library that hosts content such as Spotify, iTunes or Pandora. This can monetize your passion for creating music and even get you noticed by a record label if the song recording is catchy enough.

21. Storage Rentals

Storage rentals have to be one of the better forms of passive income earned from real estate. You can either build your own facility and then staff it with yourself or a team while attracting tenants to store their possessions on site. You can also buy an existing storage facility and make it your own.

The work involved mostly only happens when someone can’t access their stuff, a new customer walks in your door, or you need to remove stuff from someone who hasn’t paid for their storage upkeep.

You can also invest in storage rental facilities through a crowdfunded real estate app like RealtyMogul . The service acquires self-storage facilities through raising capital from their accredited investors on the platform.

22. Cashback Sites

Rakuten

Cashback sites allow you to grab money on purchases you’re already making simply for shopping online.

Consider signing up for services like Rakuten to get cash back on purchases you make online.

Related:How to Make Money as a Teenager [Ways to Earn Money From Home]

23. Get Paid to Have Apps on Your Phone

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Would you be willing to install an app on your phone which would pay you for opening it? The downside is an app like this tracks and sells your usage data. If that isn’t a problem, consider signing up just for having an app selling your data on your phone.

Likewise, apps exist for putting ads on your phone.

While not necessarily the most aesthetically pleasing way to unlock your smartphone, it can be an easy way to earn passive income from your phone.

Related:Best Online Jobs for Teenagers to Make Money

24. Save Money on Utility Bills

Rocket Money

To be fair, this idea mostly falls in the passive saving versus passive income category.

Either way, this belongs on the list of best passive income ideas because it looks out for your bottom line.

Rocket Money can help you to save money by finding recurring subscriptions and other bills that hit your accounts each month and finding ways to cut costs through negotiating better rates and fees.

The service also partners with Arcadia Power, an online utility which can help you to find more competitive rates (depending on where you live) and matches your power consumption with renewable energy credits.

25. Buy Vending Machines

One good low-maintenance small business idea is to reach out to local office buildings, auto shops, or other areas with wait rooms or people working all day to install vending machines.

You can expand beyond just your town and have vending machines all over your area. Depending on how busy these spaces get, you can replenish the machines every week or two and collect cash for yourself.

While not exactly passive, this income stream allows you to perform work all-at-once through your deliveries and then wait for the sales to come through the coin slot.

26. Buy a Car Wash

A friend’s dad growing up owned a car wash and we’d sometimes visit to refill soap dispensers or top up the car washing necessities like wax, pre-mixed soap, Rain-X, and more.

I remembered thinking this seemed like such a great way to earn a semi-passive income. A car wash needs regular maintenance, but you can either hire out the work or do it yourself once a week.

Also, when I talk about car washes here, I mean the very basic ones you find where you pay quarters for timed use.

The cinderblock coverings with overhanging supplies for you to self-service your own car washing needs—not a fully automated, equipment intensive drive-thru car wash likely to require consistent maintenance and upkeep but able to charge premium prices.

27. Buy an Established Business

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In business, cash is king. In addition to providing financial stability, investing can help you meet your obligations, grow your business, and much more.

For many businesses, the business itself provides a significant cash flow or investment potential that can be reinvested back into the company or used for personal means.

It is not every business that needs to be high-octane in order to provide solid investment returns for the owner.

In fact, Richard Ruback and Royce Yudkoff teach a class at Harvard Business School  which promotes the idea of buying an existing small business for the right price and running it yourself as CEO.

In many business schools, students are taught to become managers in existing companies and drive them to even greater success.

These professors suggest going the opposite route. Instead of starting with a large investment, start small by purchasing an existing business and managing it toward financial gain.

Established businesses, usually ones that are already in operation and have loyal customer bases, present an opportunity to generate passive income.

If done well, you can generate cash flow freely and either grow the business further or pay yourself a handsome salary from your profits.

Some common examples include:

• Car washes
• Laundromats
• Pest removal services
• Specialty cafes and bistros
• Commercial building window-washing businesses
• Private ambulance services
• Medical testing clinics
• Chemical supply businesses
• Electrical utility equipment supply businesses
• Pool repair and supply businesses
• Boat and RV storage facilities

28. Rent Out Your Car

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As a depreciating asset, cars become less valuable over time. However, many drivers still rely on their vehicles to make a living.

The good news is it’s possible to turn your property into an income producing asset by renting out your car. You can choose when to rent it out so that you always have it when you need to use it.

A website such as Hyrecar will let you list your car for rent and set the time frames. You could also make a deal with someone you trust who would like to use your car to drive for Uber or Lyft. Your car’s value will depreciate  faster the more miles that are put on it, but if you’re making income more quickly than the depreciation rate, it can still be worth it.

Be aware: this may run afoul of insurance coverage policies and result in loss of coverage or lack of a claim being honored if something should occur. Check your policy to see what terms apply.

Often, car insurance carriers require a special type of insurance policy for ride-sharing to honor any claims made against policies. It is not recommended if this places you at risk for liability. Carefully consider this decision before moving forward.

If you don’t have a car but have interest renting one on a daily, weekly or monthly basis, consider the service from Hyrecar . The company connects you with rental cars you can use to drive with Uber, Lyft, and food-package delivery services that best fit your needs.

29. Invest in a Business as a Limited Partner

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One of the best ways to invest in a business is as a limited partner.

This can be done through private equity firms, venture capital groups and angel investors who invest their own money into businesses that they believe have potential for growth and success.

Investing with these types of entities may allow you to invest very small amounts or even nothing at all and become a limited partner in an enterprise.

From there, you invest your money into the business to help it grow.

30. Pay Off or Reduce Debt

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While it might seem odd to include paying off debt like credit card debt or student loans on this list, by paying less in interest, you save more. This probably best aligns with building up your bottom line than necessarily acting as a passive income stream.

Either way, you’re better off financially and will be happy to free up money to invest in something else or just have some more breathing room in your budget.

If you have student loans, consider using a refinancing marketplace like Splash Financial to shop around for a lower rate among competing financial institutions.

Splash Financial | Student Loan Refinancing Marketplace

• Use a student loan refinancing market place to get the best rate and terms
• Streamlined, technology-driven process to make your application quick and easy
• No fees for refinancing your loans through Splash Financial
• Award-winning service

31. Sell Digital Files on Etsy

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Many people have found a way to leverage Etsy for selling digital files people find useful.

You create an online profile through Etsy and set up your own shopping platform as a passive income source through selling some of your digital creations.

This can mean art they’ve created, budget worksheets, emergency contact sheets, cookbooks, and much more.

You can even partner with someone else to promote your content or build more for you to sell. These income ideas can serve as a great side hustle to improve your financial position.

Etsy offers millions of digital files for instant download. You can create some useful merchandise and sell it online through Etsy as a great passive income idea.

You’ve got no limits to how you can make money online and choosing to create an online store through Etsy can be one such way.

32. Cash-Back Rewards Credit Cards

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The only way paying bills can feel rewarding financially is by earning cash back through a credit card.

Make sure the cards you use to pay for your bills offer cash back, travel points, rewards points or some form of bonus for choosing to partner with them for your credit card needs.

Credit cards have become a very competitive field in the last two decades and you should make sure your cash back rewards credit lets you get paid for your purchases.

Some companies even cater to parents looking to open credit cards for kids in the hopes of building their credit.

Be sure to select a credit card that doesn’t have an annual fee or at least justifies it with a very high level of rewards payout. If you use a credit card enough and the rewards are worthwhile, you can get paid well for money.

Granted, you’ll want to make sure this isn’t the only way you make passive income because if you only make money this way, it requires you to spend money to get paid and have a chance at earning passive income.

These aren’t exactly passive income you want counted as passive income streams for your broader portfolio of ways to make passive income.

You can also explore some free debit cards and prepaid debit cards which also provide rewards points and cashback for using their cards.

Related:

• 15 Best Debit Cards for Teens to Become Money Savvy
• Opening a Child Bank Account with Debit Card [Kids’ Debit Card]
• Best Banking Apps for Kids, Teens and Minors

33. Design T-Shirts

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You can make passive income and get paid through sites like CafePress. You can custom design print on demand t-shirts and if your work catches the attention of users, you can get paid for your design.

Making print on demand t-shirts is a great way to start earning passive income if you have design skills and a passion for making money while you sleep.

You can even create a YouTube channel to use affiliate marketing on other print on demand t-shirt products you review, letting you monetize other print on demand t-shirt makers’ products, adding more passive income streams to your arsenal.

This can be a valuable way to make more money while you sleep. You can put the money into a high-yield savings account and make money on that money as well.

How Many Income Streams Should You Have?

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There is no “one size fits all” advice when it comes to passive income ideas.

In truth, the number of passive income ideas you have largely depends on where you find yourself financially, how they align with your financial goals, and where you’d like to go in the future.

Don’t get overwhelmed thinking you need to adopt several passive income ideas at once. This could lead to burnout and not a profitable way to make money. Though, having at least a few is a good place to start.

If you’re looking for a way to make money, the best investment opportunities are those that offer some degree of protection from risk. Plus, having a diversified income portfolio can help you with any financial mishaps or uncertain financial circumstances.

If you plant seeds in multiple locations, one of them is likely to catch a fish.

You’ll learn to earn income from your human capital through working but also from rental properties, income generating assets, business ventures, social media and any other number of ways you can find to make money.

After successfully starting a new passive income stream, you’ll want to ensure that the extra work isn’t encroaching upon your other streams. You want to ensure you’re selecting the best opportunities for your efforts.

How to Minimize Taxes on Passive Income

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A passive income is a great way to make some money on the side, but you can also generate tax liabilities when you have one.

When evaluating passive income ideas, it is important to consider how these will affect your future and retirement. You can plan ahead and take some of this new income to invest in retirement accounts or other tax-advantaged investments .

Some passive income even comes with tax advantages. For example, rental real estate, treated as Section 1231 property , allows you to deduct expenses like depreciation, insurance, maintenance and any costs related to operating and maintaining the property.

Further, qualified dividends even allow you to pay taxes at long-term capital gains rates instead of ordinary income rates you face when earning income from a job.

If you own these passive income investments through a business, you can protect some of the money from taxes by opening a business, registering it with the IRS and setting up self-employment retirement accounts.

To open a legitimate business and take advantage of these tax savings opportunities, you’ll need to be considered a business in order for some strategies to work:

1. Register with the IRS and receive a tax identification number for your business.
2. Contact a broker like M1 Finance to set up a Simplified-Employee Pension IRA (SEP IRA) to contribute the lesser of $58,000 or 25% of your business income.

If you plan smart enough, you can even find out how to pay zero taxes on your passive income.

Related Questions on Passive Income Ideas

How do I Generate Passive Income?

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Passive income is the idea that you can receive income without any additional work. Generally, to earn passive income you must take action up front.

However, once the initial investment is made you can rely on it in the future, though it may require additional maintenance and investment to keep up.

What are Some Examples of Passive Income?

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One of the most tried and true examples of passive income is through investing in shares like stock investments.

You can invest in an online platform and become part of the ownership for a publicly-traded company, entitling you to dividends if the company pays one.

Further, you can enjoy price appreciation on your shares, allowing you to grow your capital and not just make money from dividends through holding these shares.

Another popular example is real estate. You buy a property, and you enjoy the rent as passive income. You can make money doing a lot of different activities passively.

Does Passive Income Really Work?

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Iya! Passive income is how the rich continue to build wealth. But you don’t need to be rich to build wealth .

When you’re just starting out and don’t have money to turn into more money , you’ll need to trade your time for money.

Over time, you’ll earn enough to invest and grow your assets into the future.

You can deploy this money and have it generate passive income for you while your own money continues to come in from a job. With time, this money will accumulate and allow you to reach financial independence.

Where Can I Invest to Have Passive Income?

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If you’re looking for a passive income, some of the best ways you can invest your money are with dividend stocks and mutual funds. But you can also choose to invest lower risk investments like bonds or a CD.

The latter of which is a completely risk-free way to invest your money because it comes insured by the FDIC for up to $250,000. If you buy Treasuries, those count as risk-free as well.

What are the most popular passive income ideas?

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There are lots of popular passive income ideas. The ones which likely get the most press involve investing in stocks , owning rental real estate, or investing in your own business, buying one outright or as a business partner.

But some of the simplest ways can involve keeping your money in a high-yield savings account, CD, or money market account. All of which entail 0 risk.

Does Passive Income Really Require “No Work”?

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Myth busted:No, passive income requires work.

For passive income ideas to work effectively, they always require something upfront:either time or money—or both.

What makes them a good passive income idea is that they become passive after you do the work. That’s the allure.

For example, you might spend 12 months writing an e-book, 3 years building a site or social media following, pushing people towards your digital downloads under your domain name, or even having people click your affiliate links.

But after all the work starts turning into a dependable way to earn money, you’ll quickly see how it turns passive—or at least scales your time to earn more money.

That’s not to say that you can earn more by working harder–some passive income requires no more work after the initial investment. Passive income is money that comes to you after work or investment.