How to make a profit from the accumulated 100 thousand rubles – Rambler / finance



After an indefinite year 2020, many are wondering in which financial instruments it is safer and more profitable to save money now. Petr Pushkarev, chief analyst of TeleTrade, told what is better to invest in, having savings of 100 thousand rubles or more:

– First, you need to try to fundamentally move away from the usual stereotype that the main way to preserve and increase your funds is to buy foreign currency.

A fairly common way is to put rubles in a bank deposit so that at least 2-3 percent is charged on them for a year. But, as we remember, in the most acute moments of 2020, savings in rubles lost up to a quarter of their value. And there is no certainty that this will not happen again in 2021. A new wave of the pandemic, the imposition of sanctions and the fall in oil prices may again reduce investor interest in the Russian currency.

There is also a temptation to exchange at least half of rubles for dollars, putting green bills for a year “under the mattress” or in the bank. However, the dollar has rapidly depreciated in world markets. The American currency rose in price and was in demand only in the very first tough “quarantine” months. But since then, the United States, represented by the Federal Reserve System, has so powerfully fueled its “dollar printer” that cash flows for the entire second half of the year have flowed like a river, on the contrary, from the dollar to the currencies of other countries. The euro grew against the dollar by almost 10% over the year, the Chinese yuan – by 7%. Australian and Canadian currencies climbed to 2-year highs.

Almost all currencies looked better than the dollar. Actually, for this main reason, the “American” fell in price at the end of the year in Russia. It is impossible to predict reliably and for a long time whether Russians will see the dollar at 65 rubles or at 85 rubles in 2021. Uncertainty is all around, and if the dollars bought on time in 2020 could bring up to 30% profit in terms of rubles, it is far from obvious whether dollars will now turn into profit or a decent loss.

The euro is still in demand everywhere. But the euro is expensive in rubles, and there are enough financial problems in the European Union: there will always be a fear that the trend might turn around there too. The euro will not fall strongly against the ruble, but it may not provide profit either, unless the “European” is more expensive than 100 rubles.

The Yuan was the market favorite. The Chinese economy was the first to recover from the virus, it is predicted to grow GDP by 8% in 2021. But political and trade conflicts between China and the United States could erupt at any moment.

Whichever currency you choose, there are more questions than answers. So if the amount is free from 100 thousand rubles to 500 thousand rubles, then up to 1/3 of this can be placed in a stock.

Some in Russian blue chips in rubles, and the other part in American shares in dollars, since brokers in Russia provide legal access to them.

Investments in the stock market are, of course, fraught with risks, the price of shares can change in plus or minus. However, the Mosbirzhi index had overcome the pre-crisis peak by December, and stocks in New York generally added about 10% on average over the year.

For example, Walt Disney rose 17% thanks to internet premieres, Apple shares rose almost 75%, and Amazon, the world’s largest online trading platform, rose 68%. In Russia, the shares of Sberbank, Yandex, Norilsk Nickel have fully recovered from the collapse and repeated the previous peaks. Retail chains X5 (owns Perekrestok and Pyaterochka) and Detsky Mir added more than 25% to their capitalization in a year.

The viral crisis was successfully overcome by the shares of many well-known companies: their business monetization schemes turned out to be “working” so much that they were trusted by both large funds and millions of private investors.

The growth potential of exchanges may be even higher when the entire world economy begins to recover step by step in the coming years.

Among the growing securities of the stock market there are also inexpensive shares, their packages can be purchased for an amount of several thousand rubles. And there are securities worth 3-5 thousand rubles per share, but the amount of 30-50 thousand rubles can be easily distributed between them.

If there is still free funds, then an interesting option is crowdinvesting or crowdlending. This is when promising start-up projects from different sectors of the economy are gathered on large online platforms. Such platforms allow you to invest in a share of a startup, then counting on a similar share of the project’s profit. Or you can lend a small amount to such a startup under the obligation to pay the investor a good percentage for it.

This can result in 20% per annum, and 50% of the profit, and even more. But no one can guarantee that a startup will not fail. Therefore, money is usually distributed between at least ten different projects.

But remember, risky investments should only be allocated a limited space in a large portfolio. Half of the “portfolio”, or even more – for reliability, can be distributed between OFZs and corporate bonds of companies with state participation at 6-7% per annum. Plus bonds – coupon payments are guaranteed. Our oil and gas companies also have such instruments in foreign currency: they are called Eurobonds, interest rates are also guaranteed there, only they are lower.

Video of the day. The ruble depreciates against the dollar

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After an indefinite year 2020, many are wondering in which financial instruments it is safer and more profitable to save money now. Petr Pushkarev, chief analyst of TeleTrade, told what is better to invest in, having savings of 100 thousand rubles or more:

– First, you need to try to fundamentally move away from the usual stereotype that the main way to preserve and increase your funds is to buy foreign currency.

A fairly common way is to put rubles in a bank deposit so that at least 2-3 percent is charged on them for a year. But, as we remember, in the most acute moments of 2020, savings in rubles lost up to a quarter of their value. And there is no certainty that this will not happen again in 2021. A new wave of the pandemic, the imposition of sanctions and the fall in oil prices may again reduce investor interest in the Russian currency.

There is also a temptation to exchange at least half of rubles for dollars, putting green bills for a year “under the mattress” or in the bank. However, the dollar has rapidly depreciated in world markets. The American currency rose in price and was in demand only in the very first tough “quarantine” months. But since then, the United States, represented by the Federal Reserve System, has so powerfully fueled its “dollar printer” that cash flows for the entire second half of the year have flowed like a river, on the contrary, from the dollar to the currencies of other countries. The euro grew against the dollar by almost 10% over the year, the Chinese yuan – by 7%. Australian and Canadian currencies climbed to 2-year highs.

Almost all currencies looked better than the dollar. Actually, for this main reason, the “American” fell in price at the end of the year in Russia. It is impossible to predict reliably and for a long time whether Russians will see the dollar at 65 rubles or at 85 rubles in 2021. Uncertainty is all around, and if the dollars bought on time in 2020 could bring up to 30% profit in terms of rubles, it is far from obvious whether dollars will now turn into profit or a decent loss.

The euro is still in demand everywhere. But the euro is expensive in rubles, and there are enough financial problems in the European Union: there will always be a fear that the trend might turn around there too. The euro will not fall strongly against the ruble, but it may not provide profit either, unless the “European” is more expensive than 100 rubles.

The Yuan was the market favorite. The Chinese economy was the first to recover from the virus, it is predicted to grow GDP by 8% in 2021. But political and trade conflicts between China and the United States could erupt at any moment.

Whichever currency you choose, there are more questions than answers. So if the amount is free from 100 thousand rubles to 500 thousand rubles, then up to 1/3 of this can be placed in a stock.

Some in Russian blue chips in rubles, and the other part in American shares in dollars, since brokers in Russia provide legal access to them.

Investments in the stock market are, of course, fraught with risks, the price of shares can change in plus or minus. However, the Mosbirzhi index had overcome the pre-crisis peak by December, and stocks in New York generally added about 10% on average over the year.

For example, Walt Disney rose 17% thanks to internet premieres, Apple shares rose almost 75%, and Amazon, the world’s largest online trading platform, rose 68%. In Russia, the shares of Sberbank, Yandex, Norilsk Nickel have fully recovered from the collapse and repeated the previous peaks. Retail chains X5 (owns Perekrestok and Pyaterochka) and Detsky Mir added more than 25% to their capitalization in a year.

The viral crisis was successfully overcome by the shares of many well-known companies: their business monetization schemes turned out to be “working” so much that they were trusted by both large funds and millions of private investors.

The growth potential of exchanges may be even higher when the entire world economy begins to recover step by step in the coming years.

Among the growing securities of the stock market there are also inexpensive shares, their packages can be purchased for an amount of several thousand rubles. And there are securities worth 3-5 thousand rubles per share, but the amount of 30-50 thousand rubles can be easily distributed between them.

If there is still free funds, then an interesting option is crowdinvesting or crowdlending. This is when promising start-up projects from different sectors of the economy are gathered on large online platforms. Such platforms allow you to invest in a share of a startup, then counting on a similar share of the project’s profit. Or you can lend a small amount to such a startup under the obligation to pay the investor a good percentage for it.

This can result in 20% per annum, and 50% of the profit, and even more. But no one can guarantee that a startup will not fail. Therefore, money is usually distributed between at least ten different projects.

But remember, risky investments should only be allocated a limited space in a large portfolio. Half of the “portfolio”, or even more – for reliability, can be distributed between OFZs and corporate bonds of companies with state participation at 6-7% per annum. Plus bonds – coupon payments are guaranteed. Our oil and gas companies also have such instruments in foreign currency: they are called Eurobonds, interest rates are also guaranteed there, only they are lower.

Video of the day. The ruble depreciates against the dollar

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After an indefinite year 2020, many are wondering in which financial instruments it is safer and more profitable to save money now. Petr Pushkarev, chief analyst of TeleTrade, told what is better to invest in, having savings of 100 thousand rubles or more:

– First, you need to try to fundamentally move away from the usual stereotype that the main way to preserve and increase your funds is to buy foreign currency.

A fairly common way is to put rubles in a bank deposit so that at least 2-3 percent is charged on them for a year. But, as we remember, in the most acute moments of 2020, savings in rubles lost up to a quarter of their value. And there is no certainty that this will not happen again in 2021. A new wave of the pandemic, the imposition of sanctions and the fall in oil prices may again reduce investor interest in the Russian currency.

There is also a temptation to exchange at least half of rubles for dollars, putting green bills for a year “under the mattress” or in the bank. However, the dollar has rapidly depreciated in world markets. The American currency rose in price and was in demand only in the very first tough “quarantine” months. But since then, the United States, represented by the Federal Reserve System, has so powerfully fueled its “dollar printer” that cash flows for the entire second half of the year have flowed like a river, on the contrary, from the dollar to the currencies of other countries. The euro grew against the dollar by almost 10% over the year, the Chinese yuan – by 7%. Australian and Canadian currencies climbed to 2-year highs.

Almost all currencies looked better than the dollar. Actually, for this main reason, the “American” fell in price at the end of the year in Russia. It is impossible to predict reliably and for a long time whether Russians will see the dollar at 65 rubles or at 85 rubles in 2021. Uncertainty is all around, and if the dollars bought on time in 2020 could bring up to 30% profit in terms of rubles, it is far from obvious whether dollars will now turn into profit or a decent loss.

The euro is still in demand everywhere. But the euro is expensive in rubles, and there are enough financial problems in the European Union: there will always be a fear that the trend might turn around there too. The euro will not fall strongly against the ruble, but it may not provide profit either, unless the “European” is more expensive than 100 rubles.

The Yuan was the market favorite. The Chinese economy was the first to recover from the virus, it is predicted to grow GDP by 8% in 2021. But political and trade conflicts between China and the United States could erupt at any moment.

Whichever currency you choose, there are more questions than answers. So if the amount is free from 100 thousand rubles to 500 thousand rubles, then up to 1/3 of this can be placed in a stock.

Some in Russian blue chips in rubles, and the other part in American shares in dollars, since brokers in Russia provide legal access to them.

Investments in the stock market are, of course, fraught with risks, the price of shares can change in plus or minus. However, the Mosbirzhi index had overcome the pre-crisis peak by December, and stocks in New York generally added about 10% on average over the year.

For example, Walt Disney rose 17% thanks to internet premieres, Apple shares rose almost 75%, and Amazon, the world’s largest online trading platform, rose 68%. In Russia, the shares of Sberbank, Yandex, Norilsk Nickel have fully recovered from the collapse and repeated the previous peaks. Retail chains X5 (owns Perekrestok and Pyaterochka) and Detsky Mir added more than 25% to their capitalization in a year.

The viral crisis was successfully overcome by the shares of many well-known companies: their business monetization schemes turned out to be “working” so much that they were trusted by both large funds and millions of private investors.

The growth potential of exchanges may be even higher when the entire world economy begins to recover step by step in the coming years.

Among the growing securities of the stock market there are also inexpensive shares, their packages can be purchased for an amount of several thousand rubles. And there are securities worth 3-5 thousand rubles per share, but the amount of 30-50 thousand rubles can be easily distributed between them.

If there is still free funds, then an interesting option is crowdinvesting or crowdlending. This is when promising start-up projects from different sectors of the economy are gathered on large online platforms. Such platforms allow you to invest in a share of a startup, then counting on a similar share of the project’s profit. Or you can lend a small amount to such a startup under the obligation to pay the investor a good percentage for it.

This can result in 20% per annum, and 50% of the profit, and even more. But no one can guarantee that a startup will not fail. Therefore, money is usually distributed between at least ten different projects.

But remember, risky investments should only be allocated a limited space in a large portfolio. Half of the “portfolio”, or even more – for reliability, can be distributed between OFZs and corporate bonds of companies with state participation at 6-7% per annum. Plus bonds – coupon payments are guaranteed. Our oil and gas companies also have such instruments in foreign currency: they are called Eurobonds, interest rates are also guaranteed there, only they are lower.

Video of the day. The ruble depreciates against the dollar




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