Summary of "80133р за МЕСЯЦ. Пассивный ДОХОД 2026. Без курсов и инфоцыган. Финансовая грамотность"

80133р за МЕСЯЦ. Пассивный ДОХОД 2026. Без курсов и инфоцыган. Финансовая грамотность

Overview

The presenter, a 26-year-old investor, shares seven real passive income streams that generated about 80,000 rubles in September. The video focuses on practical, experience-based financial flows without promotional courses or misleading info products. Each income source is evaluated on liquidity, predictability, difficulty of entry, time to first payment, scalability, control, passivity, and psychological comfort. The goal is to help viewers understand how to start earning passive income, aiming for 10,000 rubles in 4 months.

Passive Income Sources & Financial Details

1. Investment in Business (Private Loan)

Invested: 800,000 RUB
Yield: 30% p.a.
Monthly cash flow after tax: 17,400 RUB
Structure: Loan agreement to a furniture production business; no operational control.
Liquidity: 0 (loan hard to sell)
Predictability: 3/5 (business risk + tax environment)
Difficulty: 4/5 (requires legal contract, expertise, lawyer fees ~5,000 RUB)
Time to first payment: 3/5 (payments may start immediately or after months)
Scalability: 3-5/5 (easy to reinvest in same project; harder across different projects)
Control: 1/5 (no operational control)
Passivity: 5/5 (minimal time after initial check)
Psychological Comfort: 2/5 (high risk due to yield and business climate)
Recommendation: Suitable only with trust and expertise; high risk/high return.

2. Residential Real Estate Rental

Invested: 1,308,000 RUB (down payment, repairs, insurance)
Monthly rent: 55,000 RUB; net cash flow after expenses: 14,100 RUB + 5,800 RUB mortgage principal
Annual yield: ~14.2% (adjusted for 4% depreciation)
Liquidity: 2/5 (can sell but not quickly or at best price)
Predictability: 4/5 (stable demand in Moscow region; tenant risk covered by deposit)
Difficulty: 5/5 (high capital, market research, mortgage process, renovation)
Time to first money: 3/5 (~1.5 months including repairs)
Scalability: 0/5 (cannot reinvest tenant payments directly)
Control: 3/5 (tenant contract control but limited)
Passivity: 4/5 (monthly meter readings; some automation possible)
Psychological Comfort: 4/5 (long-term leases, but risks of repairs/flooding)
Recommendation: Stable and clear but capital intensive and requires expertise.

3. Dividends and Bond Coupons (Stock Market)

Invested: 1,120,000 RUB
Monthly income: 12,773 RUB
Yield: 13.6% p.a.
Liquidity: 4.9/5 (mostly liquid stocks and bonds; market closed weekends)
Predictability: 4/5 (coupons stable; dividends can be cut)
Difficulty: 3/5 (requires brokerage account and basic market knowledge)
Time to first payment: 3/5 (depends on bond/coupon schedule)
Scalability: 5/5 (easy reinvestment and portfolio growth)
Control: 3/5 (portfolio control but no market control)
Passivity: 4/5 (requires some monitoring initially)
Psychological Comfort: 3/5 (depends on portfolio composition; stocks volatile)
Recommendation: Good for beginners with some knowledge; flexible and scalable.

4. Car Parking Space Rental

Invested: 440,000 RUB
Monthly net income: 6,330 RUB
Yield: 17.2% p.a. (excluding asset price growth)
Market price of similar space: 1,200,000 RUB (due to discount on purchase)
Liquidity: 4/5 (high demand in new residential complexes)
Predictability: 5/5 (stable demand, discount for advance payment)
Difficulty: 4/5 (requires decent capital; no special expertise)
Time to first payment: 5/5 (immediate rental possible)
Scalability: 1/5 (requires significant capital to buy more)
Control: 4/5 (simple management, minor risks like flooding)
Passivity: 5/5 (minimal management; no meters)
Psychological Comfort: 5/5 (low hassle, asset not affected by market news)
Recommendation: Highly recommended for stable, worry-free income; no scaling.

5. Bank Deposits

Invested: 600,000 RUB (Azonbank)
Yield: 15.2% p.a.
Monthly cash flow: 7,600 RUB
Liquidity: 4/5 (easy withdrawal but loses interest)
Predictability: 5/5 (fixed interest and payment schedule)
Difficulty: 0/5 (very easy entry)
Time to first payment: 3/5 (depends on deposit terms)
Scalability: 2/5 (limited by interest rates; replenishment lowers rates)
Control: 5/5 (full control)
Passivity: 5/5 (no management needed)
Psychological Comfort: 5/5 (insured deposits, no market risk)
Commentary: Inflation ~7-15%; deposit return of 15-16% is attractive and low risk.
Recommendation: Essential for conservative investors; good risk-return balance.

6. Cashback from Credit Cards

Income: 4,130 RUB/month (VTB Privilege package)
Liquidity: 5/5 (immediate cash on card)
Predictability: 3/5 (categories and percentages change)
Difficulty: 1/5 (easy; no special effort)
Time to first payment: 4/5 (immediate)
Scalability: 0/5 (increasing income requires increasing spending, not recommended)
Control: 3/5 (choose categories from bank’s options)
Passivity: 5/5 (minimal effort to set categories)
Psychological Comfort: 5/5 (just money back from normal spending)
Recommendation: Not a true income source but useful optimization; don’t overspend.

7. Rental of Personal Items (e.g., Video Glasses)

Example: BN Meta video glasses bought for 50,000 RUB
Rental rate: 3,000 RUB/day; earned 12,000 RUB for 4 rental days
Implied yield: ~288% p.a. on paper
Liquidity: 1/5 (items depreciate, resale at loss)
Predictability: 2/5 (seasonality, competition, tech aging)
Difficulty: 3/5 (initial investment; can use unused items)
Time to first payment: 4/5 (1-2 weeks to rent out)
Scalability: 1/5 (more items = more time, less passivity)
Control: 4/5 (set own prices and deposits)
Passivity: 2/5 (requires interaction; scales poorly)
Psychological Comfort: 3/5 (risk of damage, requires deposits/insurance)
Recommendation: Interesting but requires automation/delegation to scale; more active than passive.

Methodology / Evaluation Framework

Each income source was rated on a 5-point scale for the following criteria: - Liquidity - Predictability of cash flow - Difficulty of entry (capital, expertise, legal) - Time until first income - Scalability (ability to reinvest or grow income) - Degree of control (over asset or process) - Actual passivity (time required to maintain income) - Psychological comfort (risk, stress, market exposure)

Key Numbers Summary

Business loan: 800,000 RUB, 30% p.a., 17,400 RUB/month
Real estate: 1,308,000 RUB, ~14.2% annual yield, 14,100 RUB net/month
Stocks/bonds: 1,120,000 RUB, 13.6% p.a., 12,773 RUB/month
Parking space: 440,000 RUB, 17.2% p.a., 6,330 RUB/month
Bank deposit: 600,000 RUB, 15.2% p.a., 7,600 RUB/month
Cashback: 4,130 RUB/month (no capital needed)
Rental items: 50,000 RUB investment, 288% p.a. on paper but low passivity

Recommendations & Cautions

For beginners: Start with bank deposits, bonds, and renting out personal items.
Intermediate investors: Add stocks and small business loans.
High-risk tolerance: Business loans offer high returns but require trust and expertise.
Real estate is stable but capital intensive and less scalable.
Cashback is an optimization, not a true income source.
Renting personal items can be lucrative but requires active management or automation.
Inflation context: Personal inflation estimated at ~7%, official inflation ~15-30%; deposits at 15-16% are attractive given risk.
No “get rich quick” schemes; passive income requires some initial effort or capital.

Disclosures

Passive income is not fully passive; some time is always required.

Trust and expertise are crucial, especially for private business loans.

Not financial advice; based on personal experience.

No promotion of courses or info products.

Presenter

A 26-year-old individual sharing personal experience with various passive income streams.
No name disclosed.
The video is the second on their channel, focusing on financial literacy and practical income generation.

End of Summary