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
