... multiplying savings. Investing 1 million rubles with a long-term horizon (10+ years) allows for protecting funds from depreciation and ensuring capital growth. In this article, we will explore the main legal instruments for ruble investments: their returns, risks, liquidity, and tax features. Readers will learn about deposits, bonds, stocks, funds, as well as tax advantages (IIS, NPO, IZH) and examples of a diversified portfolio. Ruble Deposits and Bonds Bank Deposits. Simple and reliable ruble ...

Investing is always a risk. In some cases, it is greater; in others, it is lesser. Some investments yield high returns, while others generate minimal ones. More often than not, high profits are associated with greater risk. However, this does not mean that one cannot invest money with good returns and a low probability of losing funds. Investment always involves ...

... that can be earned. Recently, there has been an increasing amount of advertising on the Internet, in the press, and on television regarding investments in non-state pension funds (NSPF). The online space is saturated with messages about the potential returns and dividends that can be gained through such investments. NSPFs strive to offer prospective clients the most favorable conditions with higher interest rates and fewer restrictions. Many people find themselves overwhelmed by the sheer volume of ...

... annually. Advantages: Deposits are simple and reliable, with income guaranteed by the bank and insured by the Deposit Insurance Agency (up to 1.4 million rubles). They provide fixed profits that are understandable even to beginners. Disadvantages: The real return is low—barely exceeding the inflation rate (around 9.5% in 2024). If withdrawn early, the bank pays less interest. Taxes: Personal Income Tax (PIT) (13%) is paid only on income exceeding approximately 210,000 rubles annually. Government and Corporate ...

... their invested funds. Many professional investors do not chase quick profits, but instead prefer to invest in long-term projects. This preference is primarily driven by the desire for security and minimal risk. Projects that promise outlandish quick returns are often just high-risk ventures. As a result, instead of generating income, individuals often end up losing their invested capital. Long-term investments typically yield substantial profits only after several years. The returns may not amount ...