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Where to Invest One Million Rubles: Medium-Term Investments
... enhance or diminish ruble returns. In recent years, the depreciation of the ruble (or dollar appreciation) has boosted yields in rubles from foreign stocks. Over a 1–3 year horizon, it is important to remember that exchange rates are unpredictable.
Mutual Funds and IIA.
For beginners, mutual funds (PIFs and ETFs) are convenient. For example, accessible options include bond funds (government or corporate), the Moscow Exchange index fund (or global market). Mutual funds offer professional management, although ...
Private Investment: Features and Advantages
... one’s own.
After weighing all the pros and cons, one can proceed to the selection of an investment method.
Current Investment Methods
As of today, there are several relevant methods of investing that can yield passive or active income. These include:
Mutual Funds. This involves investing in mutual funds where a professional broker manages the assets. However, this does not guarantee that the client will certainly profit; there is always a risk of losing money.
Business. Those who are not afraid to take risks ...
Where to Invest One Million Rubles: Long-Term Investments
... and political risks. Dividends and capital gains are taxed at 13%. The liquidity of large-cap stocks is typically high.
Foreign Assets and Funds.
To diversify, a portion of funds can be invested in foreign markets through ruble-denominated ETFs and mutual funds tracking global indices (the USA, Europe, Asia) or commodity assets. This broadens investment horizons but adds currency and geopolitical risks. Historically, global stock indices have shown average annual returns exceeding 7–10%. Investing in ...
Where to Invest One Million Rubles: Short-Term Investments
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Liquidity: OFZ are actively traded on the exchange and can be easily bought and sold. Corporate bonds are less liquid, especially those issued by smaller entities.
Taxation: Coupon income and gains from the sale of bonds are subject to PIT at a rate of 13%.
Mutual Funds and Exchange-Traded Funds (ETFs)
Mutual Funds (PIFs) and ETFs allow for investment in a diversified portfolio of bonds or stocks through professional managers.
Bond funds: More conservative, providing returns in the range of 15-20% per annum (depending ...
How to Protect Your Investments: What to Do When Facing the Threat of Deposit Freezing and Where to Invest for Safety and Growth
... those wanting to avoid physical metal storage. These accounts are denominated in gold or other precious metals and can be easily sold if necessary.
Advantages:
Protection against inflation and economic crises.
Ease of purchase and sale.
4. Investment Funds (Mutual Funds and ETFs): Simple Diversification
Investment funds allow you to invest in a portfolio of assets managed by professional managers. This is a convenient way to diversify investments and reduce risks without spending much time on independent ...