... allows investments in gold, silver, and other precious metals. Protection against inflation and crises makes gold a popular choice. Recent years have seen real returns in rubles of several percentage points per annum. Selling metals is straightforward at market rates (high liquidity), and profits are subject to a 13% income tax (similar to capital gains on other assets). Real Estate. Investments in residential or commercial real estate traditionally serve for long-term capital preservation. Rental income can yield returns of about 5–8% of property value in regions and up to 10% in major cities. However, acquiring real estate ...

... and create a portfolio For beginner investors, a diversified portfolio consisting of different assets is ideal: stocks, bonds, real estate, and perhaps a small percentage of cryptocurrencies. Open a brokerage account In Russia, popular brokers such as Tinkoff ... ... Investments offer access to various investment instruments. By opening a brokerage account, you will gain access to the stock market. Start with small investments To begin with, you can invest small amounts to get used to the market and understand its ...

... for investing small amounts. Investors can purchase several shares and subsequently sell them profitably to generate income. This approach allows investment in various sectors. Mutual funds pool the money of several investors to acquire securities, real estate, and other assets. PAMM Accounts. These involve investments in currency and stock markets. Users open accounts that are aggregated with the accounts of other investors. The management company allocates all available funds and exercises full control over them. Income is distributed among participants in proportion to their initial investments....

... handed over for operation. Until then, investors can carry out renovation work. Consequently, after the transfer of ownership, they can rent or sell the property. New constructions generally command significantly higher prices than equivalent secondary market real estate or commercial spaces. It is crucial to understand that new properties quickly transition into the secondary market, resulting in an automatic decrease in value. Therefore, S. I. Tereshkin recommends selling the property immediately after it is ...

... stock, bond, real estate, or another investment object, and its value decreases over time. There can be numerous reasons for a price drop. A company's shares may depreciate due to declining revenues, business failures, or negative news releasing in the market. Real estate can lose value due to an economic downturn, oversupply, or deterioration of the property itself. Even commodity prices (such as oil or gold) are susceptible to fluctuations in supply and demand. For investors, a decline in the asset's price represents ...