Where to invest rubles now, so as not to lose them?

Hello! Every day, the dollar against the ruble is getting higher. Where is it better to invest rubles now, so as not to lose your savings? Andrey, 30 years old, Rostov-on-Don.

Welcome to Rich Pro! Now many residents of our country are thinking about where it is best and most profitable to invest their rubles so that they do not depreciate. This is primarily due to the instability of the economic situation and the growth of foreign currency.

Where to invest rubles today - an overview of the TOP 11 most profitable options

So, we will consider profitable financial investments.

Option number 1. Education is the best investment (according to experts)

Investments will pay off only with a thorough study of the labor market and wages. It’s not enough to choose a prestigious profession (occupation), you need to figure out which ones are most in demand in your region. Find out the salary level that you can count on in the end.

It is not necessary to invest in higher education, it is possible that you already have one. In this case, it makes sense to go on continuing education courses, workshops, scientific conferences, trainings.

Education - long-term investment. With a competent approach, you will ensure a prosperous future for yourself.

Deadline for income depends on how soon you start working in a new position, and may amount to from several months before several years.

⚠ Riskhigh enough. During training, the situation on the labor market can change greatly, or you may lose interest in the chosen activity (profession). Then your money will be wasted.

Option number 2. Business

Investing in someone else's business is only possible with free money, because in fact it is a game of "Russian roulette". If you decide to invest in a new, only organized company, then you need to carefully study the business plan of the enterprise, in particular the payback period of the business.

Keep in mind that the activity should be clear and interesting to you. Then it will be easier to assess the real situation. If successful, passive income awaits you. Its size will depend on your contribution. It is good if there are entrepreneurs among acquaintances who need additional capital.

Deadline for income - some years. Depends on how soon the company begins to make a profit.

⚠ Risk - high.

You can also invest in the creation and development of your business. There is an article on our website that details how to start a business and what business ideas with minimal investments are relevant this year - we recommend reading it.

Option number 3. Savings account

This is a bank account that does not have a term. You can transfer any amount to it and withdraw money at a convenient time. The bank will charge monthly interest on your funds.

A similar method will not allow you to get rich, but to save your savings and get minimal profit from them is quite. Read about how to become rich (get rich from scratch in Russia) in our article.

Deadline for income - one month after the first deposit.

⚠ Risk - practically absent if the savings account is opened in a reliable bank.

Option number 4. Deposit

Bank deposits are one of the popular methods of receiving passive income. All you need to do is choose a bank that provides optimal conditions for a deposit, conclude an agreement to the bank branch or online.

You provide your bank with money for a certain period, and it accrues interest on them. Income can be received on a monthly basis, or at the expiration of the deposit. If you decide not to charge interest every month, then interest will also be charged on them.

Deadline for income - depends on the period for which you decide to invest in a deposit of at least one month.

⚠ risk - zero, the main thing is to choose a proven bank. We talked about how to open a deposit at a bank at a high interest rate and where it is more profitable to do this in the last issue.

Option number 5. Rental space

Real estate investing is a win-win investment option. However, its payback will not happen soon. Initially, you need to invest several million rubles, and then receive income in the form of rent. In addition, a simple one is possible, since it is not always easy to find tenants (and they sometimes move out unexpectedly).

Big a plus in that in any case, you still have this apartment, which you can sell. In addition, housing prices are rising year by year. Minus - A fairly large amount of investment (such money is not always available). But You can buy an apartment on a mortgage and rent it out.

Deadline for income - in a month or two.

⚠ Risk - low, provided that you find a reliable tenant.

Option number 6. Buying property in a house under construction

The most profitable option is considered pit purchase, at this moment the prices are minimal. The final cost of the apartment will increase approximately 30-50%.

Take note! Carefully analyze the real estate market in your city. Choosing a house in an uncomfortable and unattractive place, you can hardly realize the plan.

It should be noted that it is more profitable to buy a small living space, it will not “hang” in your sale. And it is advisable to contact a well-known real estate agency with a staff of lawyers. They will pick up a reliable developer.

There is a danger that during the construction period, an economic crisis may occur and demand will fall. Although even with this option, you will remain in plushaving got own housing. You can rent it, and having waited until the prices go up, it is profitable to sell it.

Deadline for income - at least a year and a half (depending on how long the construction will last).

⚠ Risk - directly depends on the integrity of the developer. An important role is played by the economic situation in the country.

Option number 7. Stocks

Stocks - these are securities, by purchasing which you can receive your share of the company's profit (dividends). Knowing in advance how much money will get you will fail. It all depends on how successful the organization has been. She will calculate her financial result only at the end of the financial year.

There is such a type of shares as “preferred”, for which fixed interest may be provided.

When investing in stocks, one cannot hope that they will not fall in price. Therefore, invest in several companies so that in case of unforeseen circumstances you have at least some of the money left.

When buying, you will have to study the stock market, figure out how it works and find a reliable broker. The broker must be licensed by the Central Bank.

Profit Period - any moment when you decide to sell shares, and one year if you want to receive dividends.

⚠ Risk - high, as the price of shares may fall sharply.

Option number 8. Forex trading

Do-it-yourself Forex trading can bring you fast and high returns. However, with the same speed, you can lose your invested money. Therefore, experts recommend transferring funds to trust in the foreign exchange market through PAMM accounts. Read more about them in this article.

Trading on the currency exchange is carried out through Forex brokers. Therefore, it is very important to choose the most reliable and trusted broker. Experts advise working through this brokerage company.

Deadline for income - from the first transaction.

⚠ Risk - tall.

In a separate article, we also wrote how to make money on the exchange - only proven methods.

Option number 9. ETF Fund

You buy a ready-made set (package) of shares in the stock exchange fund. The ETF fund portfolio consists of shares of several companies, so the chance to get a small but reliable profit is high.

Deadline for income - It is established by the fund in which you invest your savings.

⚠ Risk - relatively low.

Option number 10. Federal loan bonds

Issued by the Ministry of Finance of the Russian Federation. The bottom line is that the state takes money from you at a rate of interest, which is almost equal to the interest on bank deposits. However, the state is much more reliable than any bank, and you can be sure that your investments will bring profit.

Profit Period - equal to the term of the bonds themselves.

⚠ Risk - minimal.

Option number 11. Individual Investment Account

Profitable investment of accumulated funds. When using IIS, the right to a personal income tax deduction arises, which cannot exceed 52 000 rub. in year. However, you won’t be able to use the deduction if you withdraw your money earlier. 3 years from the date of discovery.

IIS gives you the opportunity to invest in the stock market by buying stocks, bonds, shares. But even if you are not going to do this, then IIS will bring you interest on the amount that you invested.

Deadline for income - at least three years, otherwise it will not be possible to use the right to deduction on income tax.

⚠ Risk - high, investment data not insured by the state.