... if the ruble falls, foreign assets provide additional income. Alternatives. The risks and complexities of cryptocurrencies and private real estate exceed the scope of this article. Cryptocurrencies can be mentioned as "high-risk with potential high yields," but they are less relevant for beginners. Real estate requires substantial sums and patience, and its liquidity is low over a 1–3 year horizon. Gold and currency are more convenient for savings. The share of currency and precious metals ...

... on them. Holders of mortgage bonds receive regular coupon income from mortgage payments. For example, if a bank issues a mortgage at 8% per annum, and the agent issues bonds with a 7% coupon, the difference is retained by the agent. For the investor, high yields (usually higher than OFZ) come with minimal risks: the collateral in the form of housing protects investments. Typically, the issuance of mortgage bonds lasts for 10 years or more, allowing investors to expect stable long-term income. Issuance ...

... of inflation. It provides long-term income through rental payments and can serve as a means of diversifying an investment portfolio. Commercial real estate. Investments in office and retail spaces can be profitable if demand for rental space remains high. Residential real estate. Residential properties can also yield stable income, especially in major cities with housing shortages. Real assets in infrastructure. Assets such as logistics centers or warehouses are in demand as e-commerce continues to grow. Precious Metals and Commodities Precious metals, such ...

... maintained its ultra-loose monetary policy at its late July meeting, leaving the key rate negative and only slightly adjusting bond yield control parameters. Prior to the July 27 upper house elections, uncertainty somewhat restrained the market; however, the ... ... viewed positively—the course for stimulating the economy will continue. Indian stock indices continue to reach historical highs, standing out among other emerging markets. The Nifty 50 and BSE Sensex have been steadily rising in recent weeks, reflecting ...

... resilient assets, high-yield bonds, and protective instruments can help navigate the current economic challenges and minimize risks. As long as the central bank maintains a high key rate, investors in Russian assets should balance the prospects for high interest yields with the risks associated with domestic demand and inflation.