Following the advice of one of the articles, I decided to earn some passive income and invested 330,000 rubles. I invested for 12 months with the income paid at the end of the term. I earned 66,000 rubles. I received my money without any issues and have re-invested for another year. The terms in the contract are transparent, the interest rate is fixed, and the income is guaranteed. Additionally, you can invest money for as little as 3 months for those who are risk-averse. I am satisfied with this income.