Investments help to preserve and increase savings, but they are associated with risks. If you invest unsuccessfully, you can lose everything. Therefore, you need to understand the market and understand where you can invest. We will talk about this below.
Bonds
A bond is essentially an IOU. The issuer guarantees the investor that it will return the cost of the bond and interest for the use of his funds. This guarantee is the main advantage of bonds, but the income on them is not too high. By investing in bonds, you can save money and outpace price growth.
The average yield of bonds is from 7 to 11% per annum. At the same time, the investor must hold the securities for the set period. If he wants to sell them earlier, he may not make money.
OFZ
OFZ or federal loan bond is a government bond and a good way belarus mobile database to protect money from inflation. The yield on these securities takes into account the key rate of the Bank of Russia, and OFZs themselves are often traded slightly below par. You can get OFZs with a high yield if you invest in securities for a period of up to three years, and the price growth will decrease.
Gold
Gold prices usually rise steadily, which may be enough to protect your money from inflation. But this market can also experience unexpected shocks. For example, in March 2022, the price of gold jumped sharply to $2,000 and quickly fell. You won’t be able to get rich quickly with gold, but you can guarantee that your money will be protected from depreciation.
Stock
Only experienced investors who understand the market situation are recommended to invest in shares. After all, in the event of a company's bankruptcy, shareholders do not keep their savings.
To buy shares profitably, you need to follow the experts' forecasts and choose only promising companies. But the less stable the market, the more difficult it is to make accurate forecasts.
Managing a portfolio of securities requires special skills and knowledge. That is why Russians are increasingly deciding to entrust management to an expert.
Bank Sinara offers its clients a trust management serviceUniversal Choice+"You will receive quarterly payments of 5% per annum, and the target annual return will be 16.5% per annum.
Trust management at Sinara Bank is available to investors who invest from 100,000 ₽. These funds will be used to invest in exchange-traded mutual funds of bonds and shares of Russian companies. We provide flexible management, and the portfolio content changes periodically. Go about your business while our specialists protect and increase your savings.