What is a rentier: concept, features and benefits. For rentier rental income - the only source of livelihood, that is, he manages to make money work for himself, instead of working for himself money. Such a person does not need a job, he does not have a work book, but his level of security is more than adequate. Capital operations can be performed by the rentier independently or involve a manager.
Probably the dream of many people is a way of life in which there is no need for labor, but good profit continues to go on without effort. The life of labor daily life can be so excited that thoughts about life without work arise more and more. It is good that such dreamers have a great opportunity to translate their seemingly unreal dream into reality: there is such an interesting profession as a rentier. These lucky people are not represented by employees of any enterprise, but their account in the bank is regularly replenished with round amounts.
Let's go back a couple of hundred years ago
Who is such a rentier, has long been known. This word is called people who do not have a permanent place of work, but nonetheless, who receive income from rent (payment for the invested funds). The nature of these revenues was legal, but not labor. Their stability and size largely depended on how well the owner of the capital uses it.
The opinion of some economists was that rentiers who did not create a product simply parasitized. Others spoke in defense of this group, indicating its importance for the formation of the economy.
Who is a runaway today?
In the modern world, the definition of this word remained virtually unchanged. The source of income rentier becomes a rent, the results obtained at the disposal of capital.
What is a rentier, we figured out. It looks like an investor? In a sense, this is really so. To invest in the force of every person who invests his financial resources in order to profit. But, as a rule, investments do not represent the main source of income, often additional. In addition to investing, the owner of the capital is a businessman, private entrepreneur or hired worker.
However, for rentier rental income - the only source of funds for existence, that is, he manages to make money work for himself, instead of working for himself money.
Such a person does not need a job, he does not have a work book, but his level of security is more than adequate. Capital operations can be executed independently or involve a manager.
Conclusion: all rentiers are investors, but not all investors are rentiers.
source of earnings
Having realized that this is a rentier, one can study the ways in which money is earned in this case. Due to the development of the investment market, these people have the opportunity to receive rental income by the following methods:
- Renting real estate (house, land, apartment, warehouse).
- With the help of financial instruments (securities, mutual funds, options, futures, stock indexes).
- Placing bank deposits.
- Receiving royalties or royalties.
- As a profit from your own business.
The list can be continued, because in addition to traditional labor sources, income can be obtained in various ways.
Factors affecting the amount of income
Like all other people, the life of the rentier may be clouded by unpleasant financial losses and lower income. The following can affect the level of its profit:
- Situations in the stock market.
- The situation on the real estate market.
- Profitability chosen for business investment.
- International relations and state of affairs in the country (from an economic point of view).
How to become a rentier and get a stable income
Lifestyle rentier - this is the notorious "American dream". After all, the essence is the successful use of accumulated capital. To strain, to earn a significant amount and to ensure that your expenses are received by interest. Dream, and you're all!
But what is a rentier really? This is a person who knows where, how much and when to invest. In addition, he has a decent amount of money, which is often earned by them. Accumulation of capital, search for a source of passive income, investing money in such a way that they are not lost, and worked for the owner - all this requires from the rentier of great knowledge in the financial sphere.
Of course, if the volume of capital is significant, finding a specialist to manage them is easy. It may be people or even companies involved in placing deposits on behalf of the owner.
However, with small amounts of capital, or in the absence of capital, it will have to do what it has. An elementary method is to deduct small amounts from wages (from 10% to 30%). Then they need to invest: organize accounting of income and expenses and invest. Developing the skills to properly manage money and achieve their multiplication can even be at the hands of very little money. For today there are variants of investments with the minimum amount of deposits from 1000 rubles.
Many banks offer special programs that allow owners of significant capital to receive interest on a monthly basis and live on them. These deposits differ from traditional deposits (with interest payments at the end of the period) at a reduced rate. The deposit must be substantial so that the amount received is sufficient to cover all expenses of the rentier.
The Bank is imposing rather strict conditions for servicing such depositors (sanctions for early termination, impossibility to replenish or withdraw during the specified period). In addition, there is always a risk of bankruptcy of the organization. Therefore, one can not say that the life of the rentier is simple and cloudless.
Consequently, having received the notion of such a rentier, one can compare his desires with opportunities and begin to act. The time here is one of the main factors. The sooner to start, the closer financial independence.