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People, who live and work in Russia, should think about assets which will generate profit in rubles. In addition to a bank deposit, you can find other instruments which will multiply your savings, hence do not be hurry to save money in a bank. So, what can you invest in?
Currency
Every investor knows that some funds should be kept in foreign currency. Even if you are not going to speculate in currency exchange, it would be a fine way to keep your purchasing power. Experts recommend to direct 20% of the total amount of investments to these purposes. The US dollar, euro, Swiss franc, and pound sterling are usually bought. At the same time, the best time to exchange rubles for the currency is July 2018. You can also trust and predict the analysts who observe that during last three years in spring and summer the exchange rate of the Russian currency to the dollar and euro is higher than in autumn and winter.
Real estate
In a case of competent management it should make a good income. In so doing, it is better to pay attention to commercial objects, rather than to housing, the value of which will probably continue to decline.Monthly income on units of closed real estate mutual funds (REIT) is significantly higher than bank deposits and amounts to 12% per annum. You can find more risky products with a profitability of 17-18%. In general, you can invest up to 20% of your portfolio in real estate.
Foreign securities
Another 20% of the portfolio in 2018 experts recommend to send to the ETFs (Exchange Traded Fund) and real estate funds REIT (Real Estate Investment Trust). These ways of investing are one of the most affordable and profitable in the world.Nobody limits you in the choice: on your own taste, you can choose such ETF where the securities of 500 or more companies from any industry, that seems to be perspective, will be collected in one place. And furthermore, in such a case you will reduce the risks, when the loss of some companies will be offset by the profits of others.
The same applies to the REIT investment funds, which purchase, build, and manage real estate objects around the world. The shares of such funds will cost you several hundred dollars. This is a relatively small price. We usually see stable quotes of such funds, since REIT invests in a high number of real estate objects simultaneously. If it fortunately happens to be, the profitability of such funds can also reach tens of percent per annum.
ICO and venture capital investment
It would be wrong not to mention the fast-growing maket of cryptocurrencies. Tokens of several interesting projects which entered the ICO will be an excellent investment. Every year, more and more projects enter the ICO, but not all of them become profitable. Therefore, first you have to study the history of a startup, its prospects, the team's experience. If there is no information available, then you should not be engaged with it. As this relates to extremely risky investments, it is recommended to use not more than 5% of your portfolio for it.
If you choose this way of investing, it is better to avoid those projects which provide their tokens with some real assets (so-called securities). According to the US financial regulator, such tokens are classified as securities, so their sale without an appropriate issue registration is illegal. Pay attention to ICO projects associated with blockchain, payments, currency exchange, and so on.
Short-term and profitable crowdlending
Currently, projects connected with crowdlending and P2P lending are gaining momentum. If you decide to lend a small amount to a private person or a business, then you should use specialized platforms such as City of Money or StartTrack, and also focus on various projects with a profit of more than 20% per annum.
These investments are undoubtedly risky, since in financial troulbes a borrower will most likely not talk about any refund. Therefore, use a small amount, no more than 5% of your portfolio for these investments.