Where to invest in 2020 in Russia

2024 Author: James Gerald | [email protected]. Last modified: 2023-12-17 14:00

In 2020, according to experts, a devaluation of the national currency, a recession in the world economy and a depreciation of money are expected. The situation concerns not only Russia. There are several common options where to invest your ruble and foreign currency savings in order to prevent financial losses.

General situation with cash investments

Russians still do not have final confidence in banks and savings funds. Depositors still remember the time when they lost their savings, entrusted to a financial and credit institution, and could not get them back. With the development of the banking system, by 2020 Russia has many more options for where to invest money.

There are several ways to manage your savings, but offers may depend on the amount of savings, guaranteed reliability of capital allocation, legal knowledge and investor awareness.

According to experts, it is necessary to place free funds, albeit small ones, following several rules:

• to a safe place with a proven track record, after making inquiries and studying the trust rating;
• so as to get profit at the same time, but not spend it, but invest again, multiplying what has already been earned;
• be sure to take into account the principle "do not put all your eggs in one basket", so as not to lose all the money overnight;
• if you buy antiques and real estate, be sure to use the services of a lawyer and experts so as not to become a victim of fraud.

In huge Russia in 2020 there is always where to invest the hard-earned funds. Special editions post ratings with tips, but the opinion of experts does not always coincide with these tips. The fact is that such recommendations are often published by people who are financially interested or lobbying for the interests of banks, stock exchanges, enterprises that need to sell shares that are not in great demand.

Bank deposits

There are many banks in Russia where people are invited to invest in 2020. But the banks were already paying small interest. Those who have significant funds and / or place them for a short period have advantages.

Over the past period, the Central Bank of Russia has repeatedly lowered the key rate and this has led to the fact that banks cannot pay high interest rates on deposits and deposits.

According to people who make money by placing money at their disposal, there are more profitable ways of capital investment. Banks were not very generous before, but now they are simply forced to cut the prerogatives and bonuses offered to customers.

If the depositor is ready to be content with bank interest, he can consult with a financial consultant, find out which structures have the most advantageous offers.

Banks offer deposit insurance and, if there are doubts about the reliability of the organization offering the highest interest rates, you can insure your funds. The problem is that only 1 million 400 thousand rubles will definitely return. Therefore, experts advise to split a significant amount into smaller parts and place it in several banks at once.

Bonds as an alternative to bank deposits

The opinion of an expert on financial issues N. Kholchenko: "You cannot unequivocally refuse a bank as a proven place where it is customary to invest money." She is sure that it is perfectly possible to store reserves there or place the funds that are planned to be spent in the near future.

Short-term deposits are usually more profitable for investment, but much more can be earned on ruble bonds. For this purpose, you can purchase bonds on an individual investment account and receive an additional bonus - unlike a brokerage account, tax deductions are provided here.

The opinion of I. Belykh is somewhat different from the conviction of N. Kholchenko, although they have approximately the same attitude towards bank deposits. The expert is sure that it is better to invest in mutual funds - mutual funds. They are attracted by people who deal with financial flows and work on stock exchanges, with securities, have funds that can be made to work.

He is confident that this is the best place to invest in 2020-2021. This option has the only problem - the lack of information. If you can learn a lot about banks without leaving your home (see the reliability rating, offers for potential clients), then deposits in mutual funds require not only constant awareness, but also the ability to react quickly if negative or positive changes have occurred.

If it is possible to use the services of a financial advisor, such investments can bring significant profits. But for an ordinary user who does not have special knowledge, this will be difficult.

Top 5 proposals from financial experts

A person who does not know how to preserve his funds in an era of economic chaos is recommended to the old and proven ways of investing. These are values that can change in price, but there will always be a buyer, pawnshop, tenant, collector for them:

1. Precious metals, stones, jewelry have always been considered (and this is unlikely to change) a safe place of money. Experts recommend purchasing such things at the time of the most favorable prices, and selling them when their value rises. Such periods alternate, you just need to be able to wait.
2. Antiques - but only things checked by experts and legal. Getting into the collector's environment is quite difficult, but you don't need to strive for it. It is enough to make a purchase commensurate with the available money. If a difficult moment comes, an antique item can be realized.
3. Experts differ on the currency. Some are convinced that in the era of the global crisis, the ruble should be converted into dollars or euros. Others argue that the US and Europe are in a difficult position, which could be exacerbated by an unexpected set of circumstances. The United States has a huge external debt, and Europe is gripped by a pandemic.
4. Real estate is an investment that pays off over time if it is rented out or sold when prices rise. In addition, in 2020, banks offer record low interest rates on mortgages, so you can make a down payment and then simply use the resulting excess to pay off the debt.

Private lending has always brought a lot of income, and until recently, usury was a profitable profession. Of course, there is a possibility of non-return, but in this case, you can resort to the services of a collection agency or claim the debt through the courts.

Do not forget that it is banks that are the most familiar and convenient instance, which experts point to. In 2020, if a global recession breaks out against the backdrop of the coronavirus pandemic, there is no point in addressing small banks offering high interest rates: their problems will be the first to touch.

Not the most generous, but invariably leading in the trust rating in Russia - Sberbank, VTB, Rosselkhozbank, GPB and Alfa-Bank. Of the most advantageous offers for today, we can name the “Guaranteed Profitability” from the Premier Bank, according to which you can get 10% per annum in six months.

Summarize

In Russia, you can invest in various projects, structures and valuables:

1. Bank deposits, term deposits, with insurance.
2. Invest in ruble bonds.
3. Place funds in mutual funds.
4. Buy antiques, precious metals, real estate.