in the conditions of economic instability, passive income becomes an important source of financial stability. Consider the income models and their taxation in 2025.
the average monthly income of Ukrainians in 2024 amounted to 16848 hryvnias, while expenses continue to grow. Therefore, the question is even more relevant for many: “Where to get the money?”.
The subsistence minimum grew from UAH 2589 in 2023 to 2920 UAH in 2024, and the minimum salary does not demonstrate appropriate growth. The traditional model “One work – one income” no longer corresponds to realities, and people are looking for alternative sources of earnings.
passive income: myths and reality
Passive income is not a fast path to wealth without effort. It requires investment, time, monitoring and strategic solutions.
“ Investing market – It's like a “buffet” where choice is possible for every taste and budget. The minimum entrance is from $ 50 in 2025. But in order to create passive income, it is important to invest regularly, ”explains the founder of the investment Academy Ivanna Antonyuk.
Put money on a deposit and receive interest – This is also a kind of investment, but its profitability usually barely blocks inflation. The choice depends on the goals: if income is needed now, it is worth paying attention to military bonds, and if there is an intention to create a passive income for the future, for example, a pension, then it is worth considering the stock market, ”says the expert from personal finance and practicing investor Anastasia Snigurenko .
The main tools of passive income
- bank deposits -bring 15-16% per annum in hryvnias, but are subject tax (18% of personal income tax and 5% of the military fee).-state papers that give 15-16% in hryvnia and about 4% in dollars. Income is not taxed, which makes this tool attractive for long-term investments.
- Stock market -investment in shares and exchange funds can bring 4-6% per annum in dollars, but requires analysis and strategic approach.
- Real estate – A stable tool that brings income from rent or resale. Demand for housing remains high, but it is important to consider regional specifics.
- cryptocurrency is a high -risk, but potentially profitable asset. Price fluctuations and the lack of guarantees make this type of investment suitable only to experienced market players.
“Deposit, military bonds, stock market, cryptocurrency – but the issues of investor's goals and its readiness for risks are suitable for retirement. Some tools, but for storing a financial pillow are different, ”explains Anastasia Snigurenko.
Intellectual passive income
intellectual property income is another way to obtain passive income. It can be royalties from books (5-15% for printing, 7–10% for the electronic version), music income on streaming platforms, licensing of patents, franchises or content monetization.
“ royalties “This is the percentage that is paid to the owner of rights on the basis of the terms of the contract, most often once a year,” explains Victoria Bereshcak, author of the book “Communication Strategy in Business”.
How to avoid financial risks? /Strong>
“ Real estate remains the best option, but the location plays a key role. Investment in Kharkov is one thing, and in Spain or Bukovel it is completely different. It is also with shares and bonds – it is important to correctly choose and diversify assets, ”says Ivanna Antonyuk.
passive income – this is not about” do nothing “, but about strategic Finance management. b> Read also:
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