Alexander Shneiderman, Head of Customer Support and Sales at Alfa-Forex, said that in the current economic situation, bank deposits are one of the most profitable ways to invest money, providing an average yield of about 21%.

At the same time, the expert recommended potential investors to take a closer look at money market funds, advising them to choose leaders of the Moscow Exchange rating and to buy shares through brokerage companies. According to Shneiderman, the yield of the most successful funds can reach 22.5% per annum, and with daily recapitalization - even 25-26%.

In addition, the analyst noted the growing interest in cash currency on the background of weakening of the U.S. dollar, but warned against excessive fascination with this asset.

“Investments in shares on average can bring 8-10% per annum, but with a competent choice of dividend securities, this figure can be increased to 12-15%,” - added Shneiderman.

Earlier, Maria Ermilova, associate professor of the Department of Sustainable Development Finance at Plekhanov Russian Economic University, expressed the opinion that high interest rates on bank deposits will remain during the year.

The economic agenda also actively discusses experts' forecasts about a possible decrease in the size of chocolate and coffee in 2025 due to inflation, as well as problems related to the certification of medicines, which create tension in the Russian pharmaceutical market.

Author: Наталья Чудесатова

Many Russians are racking their brains over how they can multiply their capital with minimal risks. An expert tells us which market will bring income.

n the unstable economic situation, the question of what is the best thing for Russians to invest in is becoming especially relevant. In a conversation with RuNews24.ru, economist Elena Borisova revealed what will definitely bring profit and what will bring losses.

According to the interlocutor of the publication, in the current political situation one should not think about buying currency.

    "It is not worth playing with currency now. It is better to invest in bonds, securities and deposits. To date, Russian banks have raised the interest rate on deposits to the maximum. Many Russians are even selling real estate to make a profit on them. I recommend investing your savings in short-term deposits, as they will no longer grow, but, on the contrary, will begin to gradually decline, "- commented the economist.

At the same time, the expert noted that as soon as the interest rate on deposits starts to fall, the real estate market will revive. And it is interrelated.

    "Those who sold housing for the sake of deposits at 18-20% per annum, will again start buying real estate. And this is logical, as this is the type of investment that will never go bust. It has never fallen in price", - explains Elena Borisova.

The economist also reminded that in Russia there is a new program of long-term savings. This is a savings product for Russians, in which the state participates. The program implies active participation of Russians in the independent formation of the funded part of the pension with the financial support of the state.

Co-financing implies deposits of up to 36,000 rubles per year for three years. However, as the interviewee of the publication emphasized, this type of capital investment is not suitable for everyone.

    "There are nuances here. For example, you can use the money only when you retire. It is not worth entering the program at all ages. The ideal time is seven years before retirement. This will allow you to multiply your capital with a guarantee that a person will definitely receive his money, as well as without a long wait," summarized economist Elena Borisova.

The expert emphasized that investing is always associated with risks, so it is necessary to thoroughly study the market and weigh the pros and cons before making a decision to invest.

Author: Наталья Чудесатова