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Where to Invest One Million Rubles: Short-Term Investments
... provides relative stability: income slightly above inflation but with virtually no risk of capital loss.
Moderately risky portfolio: 30%—deposit/OFZ (18%), 30%—mixed bonds and PIFs (income ~18-20%), 25%—stocks and ETFs (heightened risk, potentially high returns), 15%—P2P loans (income ~15-20%). This portfolio aims for greater returns through stocks and P2P while still allocating some funds to conservative instruments.
Additionally, one can allocate an aggressive portion (e.g., 10-15% in cryptocurrencies ...
Where to Invest One Million Rubles: Long-Term Investments
... payments or go bankrupt. The liquidity of such securities depends on the issuer (higher for market leaders, lower for smaller issues). Coupon income is subject to a 13% income tax.
Stocks and Investment Funds
Stocks of Russian Companies.
Stocks offer high potential returns through capital appreciation and dividends. Large-cap "blue chips" (Sberbank, Gazprom, Norilsk Nickel, Yandex, etc.) pay dividends of around 5–12% per annum. Long-term investments in stocks can ensure superior capital growth due to ...
Where to Invest One Million Rubles: Medium-Term Investments
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Conclusion:
Deposits provide very high nominal yields in the current conditions (over 16%), nearly zero risk to the principal (when insured), and full liquidity (after the deposit term). Their downsides include the need for term fixation and relatively high inflation, thus yielding modest real returns over a 2-3 year horizon. They are ideal for the 'core' of a portfolio or as a 'safety cushion.'
Bonds: Government and Corporate
Government Bonds (OFZ)
Yield.
Federal loan bonds (OFZ) are the most conservative debt instruments. The yield on current ...
High-Yield Investments
High Returns - High Risks. Even when projects seem highly reliable, investors must understand that they are risking their own funds.
Over the past year, following the onset of the pandemic, the number of individual investors in Russia has significantly increased ...
How to Manage Investment Risks
... exchange-traded funds in stocks, real estate investments for rent – their returns and fluctuations are moderate. High-risk investments usually pertain to individual stocks, especially those of young startups or cryptocurrencies. Such assets often boast high potential returns but are marked by extreme price volatility and a significant likelihood of considerable losses.
The rule always applies: the higher the potential yield, the higher the associated risks. Low-risk investments allow for modest but stable returns....