Experts : It is always a good idea to receive additional money on top of your existing salary. Those who have even small savings rightly think about how to preserve and increase them. The minimum plan here is to save your money from inflation, the official level of which at the end of 2021 was 8.4%, according to Rosstat. Ideally, I would also like to make a profit. The experts talked about whether it is time to buy foreign currency, what types of business will grow in the near future, and about other legal ways to make money.
# 1 Bank deposits.
Making money on bank deposits has always been extremely simple: you open a deposit in a bank for a period of one year or more and receive interest on the result.
However, for a long time it was not necessary to talk about income in this type of savings. Inflation grew at a higher pace than the rates on deposits, which, although they increased following the increase in the key rate of the Central Bank of the Russian Federation, were still not enough to cover the rise in prices. In the near future, experts say, the situation will change.
“The cycle of raising the key rate of the Central Bank of the Russian Federation is not yet over, but it is coming to an end, it is necessary to place money for the longest possible period, I think that the peak of rates on deposits will be a little later, but now you can already think about deposits and buying OFZs,” advises member of the Supervisory Board of the Guild of Financial Analysts and Risk Managers Alexander Razuvaev. After the December increase in the key rate of the Central Bank of the Russian Federation, deposit rates are already growing. It makes sense to place savings for a long period of time, at least a year.
“In the second half of the year inflation is expected to decrease, which means that there is a chance to get a good profitability at the end of the year if you put money on a deposit in January,” says Natalya Milchakova, Deputy Head of IAC Alpari. But you need to remember that by the end of the year you will need to pay personal income tax from interest on a deposit, the amount of which is more than 1 million rubles.
“If there are no external shocks, then the Central Bank in 2-3 quarters is likely to switch to a neutral monetary policy, while the rates on deposits will not grow,” warns Arseny Volynov, founder of the Rentier project. “Therefore, in winter you can open deposits in rubles with replenishment for 2-3 years.” Rates of 8% or more look attractive in the long term, the expert is sure.
# 2. Buying dollars
The second popular way of saving for Russians is buying foreign currency. Here, the only winning step is keeping savings in dollars, but the euro has a dimmer outlook. “It makes sense, at least in the first half of this year, to keep about 60% of savings in dollars, and 40% in rubles,” says Natalya Milchakova. “It makes sense to buy dollars when the dollar has dropped slightly – before the New Year, the dollar jumped a lot, so we have to wait.”
The euro, as long as Europe maintains a soft monetary policy, and it will continue at least until spring, it makes no sense to buy, unless you are going to go on New Year’s holidays to one of the eurozone countries, the expert is sure.
“From my point of view, it’s worth buying a currency only if you think that Russia will suffer because of external risks – these are new possible sanctions, problems in relations with the United States and Ukraine, the consequences of crises in other developing countries, for example, in Turkey, – Alexander Razuvaev continues the topic. – Relations with the United States remain very difficult: our authorities have already stated that a break in diplomatic relations is possible altogether.
The situation in Turkey also looks dangerous: taking into account debts, the reserves of the Bank of Turkey are negative. I believe that in the first quarter we can see the dollar at 20 lira and more, which may lead to sales in all emerging markets. ” And such a turn of affairs, of course, will affect Russia with its national currency, the expert believes.
No. 3 Shares of Russian companies
Recent trend has been the interest in the sector related to green energy, and in Russia it is, first of all, RusHydro. Our energy giant is the second largest hydropower company in the world after its Brazilian counterpart. The purchase of its shares is an interesting story, and Gazprom did not win back, and in 2022 it will be possible to see 550-600 rubles per share, experts say. “A very good option is blue-chip stocks, which pay high dividends,” says Natalya Milchakova. The preferred shares of such companies are especially interesting, because dividends on them are practically guaranteed.
For example, preferred shares of Surgutneftegaz and Tatneft. “It is better to buy shares in early 2022 from among the companies in the commodity and banking sector, – Andrei Vernikov, head of the investment analysis and training department at Univer Capital, continues the conversation. “It is better to refrain from buying shares in the IT sector.” Interesting are the shares of Gazprom, Gazprombank, Sberbank, the expert is sure.
No. 4 Bonds
Now is a good time to invest in bonds. “A deposit without small print in a reliable bank from the TOP-30 will give you about 7%,” says Vladimir Vereshchak, financial advisor, founder of the Bogatstvo consulting company. “Bonds – about 9% after taxes.” The RF Central Bank rate may rise further, but the peak of inflation is not far off. “Strange as it may seem, buying bonds now looks more interesting, not shares,” Andrei Vernikov continues the conversation.
“In the first quarter, we will see how the monetary efforts of the Central Bank of the Russian Federation will bear fruit and inflation will begin to decline, and the bonds purchased at the beginning of the year will reliably protect funds from inflation by the end of 2022”.
# 5 Small business
We should also pay attention to the business sector, especially in those segments where the pandemic has caused significant damage. For them, 2022 could be a kind of renaissance.
“You can invest in any business that will recover at a good pace in 2022, for example, in any business from the service sector,” advises Alexander Razuvaev. – Quality online projects are still interesting. In the pandemic, trade has gone online, it is clear that not all stores will go back to offline. “
You need to think outside the box, and given that the story of the pandemic has not yet been exhausted and it is not yet clear what will happen next, you can pay attention to the fact that high-quality content in the field of video blogging is still in demand. If it is already difficult to enter this market alone because of competition with high-quality platforms and large investments in equipment and channel promotion, then you can enter a starting project and share investments with partners.
Topics now in the Russian segment of YouTube are in demand very different – from geopolitics to “cats”. The main thing is the quality of the content and the method of presentation, and the money in this area is very serious, so if you are ready to take a risk – it’s time, the expert is sure.
№6 Real estate and land for construction.
Real estate is also a traditional investment vehicle in Russia. Only if it will grow in 2022, because the whole current year, square meters rose in price faster than inflation rates. Experts say it’s all about the details. According to Marina Lashkevich, a leading expert at BuyBuyHouse, real estate prices will be fixed, but this does not mean that they will fall in the Moscow region or in other large cities like St. Petersburg and Novosibirsk or Yekaterinburg. “If we talk about real estate as an investment solution, I recommend paying attention to the Moscow region with diameters under construction,” the expert advises.
– This is the direction of Khimki, the Ryazan direction is the very first diameter for commissioning. Prices near stations will definitely rise with their opening and improvement, respectively, of infrastructure, and immediately by 15-20%, and this is at least higher than the deposit in the bank. ” Of course, there will be room for flipping – buying objects at a price below the market, in poor condition, or at auction with the aim of their further repair and resale, the expert draws attention.
“If we talk about the mechanics of the process, a mortgage for construction is beneficial,” says Maxim Lazovsky, owner of the Lazovsky House construction company. – You take a land plot on credit, you do not risk much, since inflation still eats up the lion’s share of the benefits from the deposit, and the cost of the mortgage loan. And on the security of the plot, you draw up a construction contract.
Thus, you get an object cheaper than buying a ready-made house. And if you use construction for investment, then you will sell the finished house at a profit. Despite the fact that the demand has shifted to the plane of building a house, it is still high for finished objects. Well, I recommend looking at the market for townhouses – with the adoption of the new law and the definition of the status of the house of the blocked development, the demand for them will grow. ” There is a chance to buy at the price of the old period,
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