Because of inflation for the same amount today you can buy less than some time ago. Every year the inflation rate in Russia changes, the official indicator
At the same time, the inflation rate will be different for each person. It depends on the category of your purchases and expenses. Even if the country's overall inflation rate is 2% per year, your own figure may be, for example, 8%. This means that even if you don't spend anything, you will lose part of your budget in a year simply because of inflation. Protecting your capital from depreciation is not as difficult as it seems. Here are six working ways.
Bank deposit in USD
Classic placement of funds at interest. This method is convenient for its simplicity: you take the money to the bank and choose a format convenient for you.
Urgent deposit - funds are placed for a fixed period, for example for 6 months or a year. You give the bank money, and then choose: to receive interest every month on the account or wait for the final amount with an increase at the end of the term. If you close such a deposit earlier, the interest will not be taken.
Perpetual deposit - you place money in the bank, get interested and can take everything at any time without losing savings. This can be convenient, but the interest on such deposits is usually lower: the bank can not predict when you will want to take your funds, so you can not offer a high yield.
Deposits of up to 1.4 million dollars have a big advantage - they are insured
Interest on deposits varies between 4 and 7%. On a small amount will not be able to earn much, but it will be enough to cover the overall inflation in the country.
This is a bank deposit consisting of accounts in different currencies. For example, in euros and dollars. It will help protect money not only from inflation but also from currency surges. Let's say you save for a German car and keep your savings on your deposit. The sharp decline in the dollars will lead to the fact that the price of cars in euros will not change, but the purchase will become more expensive for you in dollars. If you keep savings not only in the Russian currency, you will not feel the difference in price. As a rule, your funds inside the deposit can be freely converted into different currencies. If you are focused on the economic situation, you will be able to earn more on the difference in courses.
Charges usually go separately on each of the currencies. The disadvantages of such a deposit are lower interest rates than those offered for dollars deposits. It all depends on the particular bank, but multi-currency deposits rarely bring more than 5%. If for you the sustainability of savings in different currencies is more important than a few percents of the yield plus, such a contribution will cope with this mission.
It is not about jewelry, but about live precious metal, for example in the form of bullion. Gold is an unusual investment tool, but it helps to save money in the long run (more than a year). The biggest advantages of precious metals are stability and security. As a rule, in times of crisis, investors buy gold more actively than stocks: it retains its own value, even when currencies and securities lose it. The action can turn into an unnecessary piece of paper, but gold may not. The price of precious metal remains roughly the same, but in recent years there has been a
The limitedness of gold as an asset is low liquidity. Such bullion or coins are difficult to sell instantly at the market price. But this issue can be solved if you invest with the help of OMS - an impersonal metal account. This is a bank account, which houses the metal bought in the bank. In this case, you will be able to quickly exchange the accumulated gold for money. It is not necessary to invest all your funds in gold at once. You can store a financial cushion in it for 10% of your savings to use in old age.
A mutual fund is a kind of collective wallet. Investors transfer the money to the company that manages the PIF, and it invests it at its discretion. You do not need to understand the shares and the situation in the market: financial professionals will determine the most profitable and reliable assets. As a rule, you can become an investor in PIF even with a small sum, invest at least 1,000 dollars.
You can choose the specialization of PIF: some work only with precious metals, others are invested mainly in securities of the oil and gas industry, others - universal. To take your savings and exit the PIF at any time, give preference to open mutual funds. In interval funds, you can only sell shares at certain periods. And from the closed to take the money will be at the end of the term of the fund. You can buy shares online: it is no more difficult than buying a plane ticket.
Investment life insurance
This tool is an opportunity to protect yourself and loved ones from spending if something happens to you, and protect money from inflation. Investment life insurance works like this: you enter into a contract with an insurance company and allow it to manage your finances. After the end of the agreement, you receive money and savings. The latter are divided into two parts: warranty and investment. The guarantee part is the return of your money. Investment - additional income, which accumulated if the situation on the stock market was favorable.
Insurers can offer you two programs: aggressive and conservative. In the first case, they will invest in more risky stocks with a high level of yield. In the second - in stable and low-yielding. It's your choice. It should be remembered that, unlike bank deposits, investment life insurance is not protected by the state. If something happens to the company, you can lose money. Therefore, it is necessary to invest in ISV only with the help of large and proven market players.
In the field of securities, too, there is the main law of investment: the higher the yield, the greater the risk. If you do not have experience in this area, it is better not to try to assess the potential of companies, and start with the most reliable options. The most stable securities are government bonds - federal loan bonds (FDBs). Let them not bring a big income, but at least help to defeat inflation and not lose savings.
They work like this: the Ministry of Finance issues bonds with a certain value. Buying a bond, you give the state the right to use your money, and it in return returns you spent money with interest. Normally, earnings under the FCA do not exceed 7%. Preferred shares are considered to be an investment - securities on which dividends are known in advance.