Passive income refers to money that a person or business makes without investing a lot of time in return. Clearly making money without working sounds great, but it is important that the correct passive income funnels are implemented so that the amount of money you make while not working can be as large as possible. While some passive income streams involve putting down money before beginning to earn, others do not require overhead capital. Because both types have their advantages and disadvantages, a business owner needs to consider their options. Here are some of the best ways to earn passive income – with and without the overhead. Although Mutual Funds are historically not a way to amassing massive fortunes quickly, they are perhaps the most reliable of all methods on this list of passive income ideas. Regardless of what happens in the market, after the ebbs and flows are accounted for, stock prices tend to point upwards in the long term, meaning that the owners of shares in an Index Mutual Fund will make money. Index Mutual Funds are groups of stocks that follow a stock index such as the Dow Jones or S&P. Because stock indexes almost always cover a number of large companies, the likelihood of a long-term plummet is highly unlikely even if a market crash causes a temporary drop in value. As a result, however, growth will usually only be visible over a long period of time, as the world’s largest companies rarely see a fast spike in stock price. In addition, because the profit margin is smaller, one will have to invest a significant amount of money in order to get a significant amount back; it would be essentially impossible for an index to explode in price overnight and bring investors a 10 to 1 profit.