Passive Income In Egypt: How To Invest In Egypt With Little To No Money

How can you create multiple streams of passive income sources in Egypt? How much money do you need to start an investment in Egypt? Learn 5 ways through which you can invest in Egypt with little to no money at all.

Disclaimer: I am an engineer. I have nothing to do with finances and I do not give any financial advice. Thank you.

In this post, there are 5 different ways through which you can invest in Egypt. And there are two reasons as to why I decided to put this post together.

First is that last year, and before starting this blog, when I tried searching for ways to invest in Egypt to be able to start this journey, I couldn’t really find anything helpful that could put me on the right path.

Most of the information I found were created by and for people in other countries like US, UK, Canada, etc. I was very disappointed to be honest. Like why aren’t more people thinking of this and why isn’t it more common?

So, in the back of my mind, I always knew I wanted to go more in depth about how to invest in Egypt, but I was waiting until I have enough information to actually fill a blog post.

The second reason I decided to write this post is because, whenever I talk to someone here about my journey and what I plan to do with creating passive income and all, I’m usually met with a confused face followed by something along the lines of, “wow! you’re different!” (as if I just came up with the concept) or “Investing? Isn’t this for, like, rich people? I don’t really have that much money around.”

And I realized that so many people here don’t have that concept of investing in general. Despite that there are so many opportunities around them to do so, somehow this investment mindset is not that common. At least not in the minds of those around me.

So I thought it would be a great idea if I can put together a post that shows people they can invest in Egypt and they can do it without necessarily being filthy rich or having hundreds of thousands of pounds to start.

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1. Nakhlaty

Nakhlaty (en: my palm trees) is a project that I have come across very recently. This is an agricultural project that basically revolves around planting date palms and selling/exporting the dates.

The location of this project is in Siwa Oasis, located nearly 50 km east of the Libyan border and 560 km from Cairo.

What you do is you visit their website first and register. They will then send you a short guide for the entire project and all the information you may need to know about the investment.

And within a few hours, you will receive a call from one of their representatives to explain things further and see if you are interested and want to book an appointment to sign the contract.

I have not invested with them yet, however, I find this a very good opportunity with a decent return of money. And also a great way to make money through planting more. So it is definitely on the top my list.

How much money do you need to invest in Nakhlaty?

The price of 1 Feddan (that is 40 palm trees) is 210K EGP with a minimum downpayment of 65K EGP and you have the option to pay the remainder on installments over 3 years, paid quarterly.

And there is another option if you are looking for something less expensive, you can opt for investing in only 1/2 Feddan for 110K with a minimum downpayment of 30K EGP and installing the rest same way, over 3 years. 

But note that these prices above are not fixed as they did announce a rise in prices that would take place some time during next month.

The first downpayment would be paid at their branch at the time of signing the contract and the remaining installments can be deposited in their bank account.

Once you are done with the installments, you are not required to make any additional payments for the entirety of your investment period which is 50 years.

And if you decide to invest in the next few days, they actually have an offer going that you can pay the downpayment on a 2-month installment. (Quite the good deal if you ask me!)

How much profit would you get from investing in Nakhlaty?

The profits are quite tempting once you pass the first 3 years. 

Starting from the 4th year, you get a profit of 24% and then it keeps increasing every year until it is 70-75% per year.

The reason your profits start from the 4th year is because this is how long it takes for the planted palm trees to grow and bear fruit.

2. Retirement Accounts

This enables you to set aside money on a regular basis, to be invested over the long-term for your retirement. Most plans I found last somewhere between 15-20 years and you are always free to renew. The minimum would be a 10-year investment.

There are two options for such investments: You can either have a safe investment in markets and areas that are almost risk-free or choose to put your money in a more risky investment option.

I personally chose the safest option to put the money in as I’m not looking to risk my money in any way at this moment due to very limited resources; however, once I have established a decent source of passive income, I would very much like to try investing in one of those more risky investments and see what kind of profit they might provide.

How you get started with one of these is either by directly going to one of their main branches or sign with them through their representative in one of the banks they advertise through. 

I honestly never tried going directly to a branch, because I only ever hear of them when I am in the bank.

And I’m more inclined to registering with ones that are advertised through banks than just Googling random companies online. I don’t know if this makes any difference integrity-wise or security-wise, but it’s just a personal preference.

Two well-known examples that I’m also familiar with are AXA (through CIB) and Allianz (through Emirates NBD).

How much money do you need to start a retirement account in Egypt?

The one I signed with requires as little as 600 EGP per month. Others may require up to 1k EGP as a minimum installment, and usually it never exceeds the 1k.

It would also depend on the company you choose, but most of them will have some or all of these payment options: monthly, quarterly, semi-annually, or annually.

Just a tip if you consider this one, you better start with an amount a little less than what you can afford, because you will need to pay that amount for the entire period of your contract.

And you can of course increase the starting amount at any point during the contract.

How much profit would you get from a retirement account investment in Egypt?

Mostly you are given an average percentage as the profit you get is not always a fixed amount and that is because it is usually connected with other factors such as the financial situation of the country, however, you can expect a profit anywhere between 10-25% after your first year.

This percentage can always increase or decrease, however, the differences are not catastrophic and you can always ask the representative to show you statistics of how this investment has been doing over the years to know what to expect.

And with the current advancement in the economic status of the country and all the new projects happening, I think it is a quite promising climate for finances and investment.

Depending on which company you will sign with, there will be a lot more than just an investment benefit for you. Main features that all companies would have is a decent healthcare coverage and a life insurance that will cover you/your family in case of critical illness, disability, or death.

3. Real Estate Investment

To invest in real estate in Egypt you have a few options depending on how familiar you are with this field and how much money you are willing to put into it.

A. Flipping houses

You can buy apartments that are in a quite poor condition with a cheap price, renovate it with the least amount of cost you can, then sell it again with a high price to match the current market price.

How much money would you need to flip a house?

That will entirely depend on the area you plan to invest in, but an approximate range you can say anywhere from 200K to 900K.

You may also check this article, while it’s not specifically for Egypt, it does give you an idea on how to choose the houses to flip and how to renovate with the least cost possible.

How much profit would you make flipping houses?

I don’t think there is a definite amount as to how much you can make flipping houses, because there are so many variables when it comes to this kind of business; the location, the condition of the place, the market price, and the economic status, etc..

I have seen people make 50-100K profit and I have seen others make 500K+ profit.

So I would say this would depend on your luck and how good you are in choosing the right place at the right time. But I wouldn’t get into this business if I’m not knowledgable in this field.

B. Home construction companies

If you can’t afford buying a house and renovating it, or simply don’t have the time for all that work, you can turn to a hands-free real estate investment.

Turn to investing in real estate companies that would do all the work for you and you would just get the profits at the end of every year.

You can find these companies through realtors or just googling them and see which one is near your city, read reviews and check what people are saying about it first.

If you would like a recommendation, you can contact me and I’ll give you details of the company I’m investing in.

How much money do you need to invest in a home construction company?

Most real estate companies I checked would accept a minimum of 50K for a fund. And in most cases, you can always increase that later on.

How much profit would you get?

That will sort of vary based on the company and the nature of the estate they work with either residential, commercial, or entertainment, etc.. However, you can expect a range between 30-50% as an average yearly profit.

Read: Passive Income: 4 Real Estate Investing Options

C. Real estate funds

This real estate investment option was announced earlier this year that it has finally been introduced in Egypt. This is a mutual fund that focuses on investing in assets offered by public real estate companies.

So this would be a way for you to invest in real estate funds with huge estate projects throughout the country without the risk of buying individual stocks through original stock market investments.

However, as of the writing of this post, the company that announced the beginning of this fund, Naeem Holding, has unfortunately cancelled such plans.

It seems that this is something that is in talks right now though according to this article and this update. However, there hasn’t been any news yet on whether it will be open for the public investors or not, if it does though, it would be one of the best real estate investment options you can opt for.

According to Naeem Holding’s earlier announcement, this fund would have cost a minimum of 50K EGP and yielded a profit of 25% yearly. So this is an expected average of what this investment could be about.

I’ll be on the lookout for any news on it and will be updating this post accordingly.

Read: Passive Income: Investing In Index Funds For Beginners

4. Dryve

Another type of passive income source you can opt for is renting your car to a car rental company like Dryve.

It is a start-up company that is said to be the first digitalized car rental service in Egypt through which you can rent a car or put your car up for rental on a mobile app.

And they don’t only offer rental cars to individuals but they are also partnered with Uber, providing them with rental cars for drivers who don’t own a car.

What’s good about this company is that they are also partnered with AXA insurance company, which provides you with a full car insurance coverage on your rented car.

All you would need to do is sign up through their App and list your car up for rent.

How much money would you need to invest with Dryve?

Well, if you do have a car that you are willing to give up for part of the day or give up completely, then that would be 0 EGP.

If you don’t have a car, I honestly wouldn’t suggest buying a car just for this purpose. Whatever the amount you’d put even in a used car can be put in a much better and more stable investment.

How much profit would you get renting to Dryve?

Dryve has a calculator on their website where you can enter the details of your car: brand, model and year, and they provide you with the expected revenue you would make renting it.

However, when listing the car you actually set your own prices, you can choose to set the price you see fit.

Read more about Dryve here.

5. Airbnb

This is a company that connects tourists with available houses offered by locals in the country of their destination to stay in for the period of their visit.

The great thing about this company is that you don’t have to rent an entire house if you don’t have that to spare. You can rent a room only, in the house you already live in.

Renting a room, you would also need to provide them access to the bathroom and the kitchen (too obvious but had to say it, just in case). 

There are a set of rules and things you may want to familiarize yourself with first before stepping into this one. I have an entire article published where I went through all the details you need to know to become an Airbnb host today.

How much money do you need to invest with Airbnb?

Well, it will cost you absolutely nothing. The things you would need to provide the guests would be basic amenities like a towel, toilet paper, a cover, a pillow, who doesn’t have that in their house?

So cost is 0 EGP.

How much profit would you make investing with Airbnb?

That would depend on the location of the place you offer. If you live in an area that is close to sightseeing places, a public transportation route, supermarkets and restaurants and such, then you can set a high price and find interested guests.

You can have an idea of the price range you may set for a room here. They mostly range between $10 and $55 per night.

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I hope this list can help someone take their first step towards starting their own passive income source today, because, as you’ve just read, it is not as complicated and not as costly as most people think it is.

Till next week, happy days!

Passive Income: 5 Ways To Invest Small Amounts Of Money (From $500 To $0)

If you think you must have a lot of money before you can start investing to generate passive income, think again, because in this post you will find 5 different methods through which you can invest your money with amounts as little as $0!

Disclaimer: I am an engineer. I have nothing to do with finances and I do not give any financial advice. Thank you.

Many people are aware that they should invest their money to be able to secure their future and create a better life for themselves and their families.

But many people also assume that in order to be able to start investing and create a passive income source for themselves, they need to have a lot of money first, and that is a wrong perception.

If you really want to start investing and create some passive income sources for yourself, you can start investing right this second. Even if you have $0 in your bank account.

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Investing if you have anything between $500 and $50

1. Mutual funds

Investing in a mutual fund is like investing in a large group of stocks. The money is pooled from multiple investors to invest in these assets.

Many mutual funds require thousands of dollars as a minimum investment, but there are some that can be as low as $50.

What you will need to do to know if this is a good fund for investment or not is to track this fund’s performance over the years to see its pattern and how and when the rates of interest are affected.

You would also want to pay attention to the annual fees deducted from your account and compare it to the interest you would be getting to make sure that the fees are not too high.

While investing a 50$ in a mutual fund, where maybe your annual interest would be something around 7%-10% for most funds, does not seem like much of profit maker, if you can manage to increase this amount over time, like maybe add $50 every month to your profile, this would create a much better profit over time.

You may also want to read this breakdown of how studying the history of a certain fund and investing something as little as $500 can make you more than $520,000.

2. Real estate crowdfunding

Real estate crowdfunding is defined as an online pooling of capital from investors to fund mortgages secured by real estate, such as redevelopment of distressed or abandoned properties, equity for commercial and residential projects, acquisition of pools of distressed mortgages, home buyer downpayments and similar real estate related outlets.

So for someone who is looking to invest a small amount of money, there are a number of crowdfunding websites that work on connecting investors to these kinds of projects that need funding in exchange for a profit from the project.

One of the most well-known real estate crowdfunding websites is Fundraise where you could start with only $500 to invest in real estate and start gaining annual profits. For similar real estate online investing options check this article.
You can also find crowdfunding websites that would accept investments for as little as $100.

The above options are mostly available for US residents only, though. For European countries, you can check the options listed here.

I haven’t been able to find ones that would accept funds from other countries (specifically Egypt since this is where I am), if you happen to pass across one, please let me know in the comments.

3. Retirement account

A retirement account is a form of individual retirement plan, provided by many financial institutions, that provides tax advantages for retirement savings.

In the US, there is the 401(k) which in most cases is available for employees through their employers, and the good thing about this is that you can actually decide how much money you would like to have deducted from your salary to put into this account.

You also get to choose the kind of investment you would like to have your money put into. Investment options available include individual stocks, mutual funds, and ETFs. You can read more about the benefits of this plan here.

So if you do have that provided through your job, you already have an investment going, you should just decide how much of your salary you would like to deduct to make for a better long-term profit.

However, if you don’t have a retirement account, you probably should. You can start your own retirement plan by following the steps in this article.

Here, in Egypt, it’s not the same process. Because what employees get is mainly a pension. It is a fund into which a sum of money is added during an employee’s employment years, and from which payments are drawn to support the person’s retirement from work in the form of periodic payments.

So I would suggest starting your own retirement plan through any of the available insurance companies. I am more inclined to registering with ones that are advertised through banks, I don’t know if this makes any difference integrity-wise or security-wise, but it’s just a personal preference.

Some well-known examples include AXA (through CIB) and Allianz (through Emirates NBD). Some of these plans you can start with as little as a 600-pound payment per month.

Investing if you have $0

Now let’s say you don’t even have a dollar/pound to spare, you literally have no money, can you not start an investment that can bring you passive income?

Of course you can!

4. Airbnb

This is a company that facilitates tourists’ stay in a country by providing them with an online service to rent apartments, rooms, and hostel beds, etc, for the short period of their stay.

The best thing about Aribnb is that you don’t need to have a spare house to be able to make money renting, you can simply rent a room in the house you already live in and gain income with literally no extra cost on your part.

What you will be required to provide your guests with will all be things that you already have in your house which are the basic amenities for living.

You can read more about the requirements here.

One other great thing about Airbnb is that even if you don’t have a spare room at your place, you can still make money with them through providing an experience instead.

This is not exactly a passive investment; however, I couldn’t bring up Airbnb and not mention it, since you will be making really easy money.

An experience, as defined by Airbnb, is an activity designed and led by inspiring locals. They go beyond typical tours or classes by immersing guests in each host’s unique world. It’s an opportunity for anyone to share their hobbies, skills, or expertise without needing an extra room.

So, offering an experience can be anything from cooking them traditional home made dishes to taking them on special tours in places they wouldn’t be able to reach on their own, and many more examples.

This would be an easy and fun way to earn money. If you want to learn more about how you can easily make money with Airbnb, you can read this article I published earlier Passive Income: How To Make Money With Airbnb 

5. Use your skills

If you have certain skills that can be put into use (or are willing to learn) this could be a great source of passive income for you. But what kind of things can you create that would help you generate passive income?

5.1 The world of design

Design can be in more than one form. If you are a web designer, for example, you could create and sell website themes. You can find here the best markets where you could sell your themes.

If you’re a graphic designer, you have various options to make money, you can design and sell book covers, or printables that you can provide as PDF files (downloadable material) such as calendars and planners, or even create print-on-demand designs for notebooks, T-shirts, and mugs, etc..

5.2 Photography

You can make money simply by taking photos and putting them up for sale on the various websites available such as iStockphoto or Shutterstock.

All it takes is the camera which is already in your phone, given that most smartphones at the moment have a good camera quality, and a few videos, like this one, to help you take good photos, and probably some passion for photography in the first place.

5.3 Create an online course

Another option where you can make passive income is if you put together an online course. If you have a particular skill or an expertise in any field, you can put together a course material and upload it as a series of lessons on a teaching website. And every time someone enrolls in this course you get paid.

There are plenty of websites available where you could create and sell such course. Teachable is one great example where you would also find resources and a lot of useful material to help you create a professional looking course.

5.4 Write an ebook

The last and probably most time consuming option (maybe it’s a tie with the online course) on this list is to create an ebook.

This can be something as simple as a how-to guide to walk someone through using a certain device or create something DIY or anything else that you think someone might need help with and is not already available or that you think you can deliver in a better and easier way.

Or you can create a more in-depth book where you share extensive information through your knowledge and experience in a certain topic. Check this list of websites to see where you can sell your ebook.

You can also find more details on how to make money online in Passive Income: 5 Online Businesses That Work

Till next week, happy days!

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