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Where to Invest One Million Rubles: Medium-Term Investments
... through bonds/deposits. Taxes: coupon and interest are subject to PIT of 13%, dividends—13%, but part of the income is covered by the IIA deduction, if utilized.
Moderately Risky Portfolio:
10% (100,000 ₽) in a ruble deposit, 20% (200,000 ₽) in OFZ/bond funds, 10% (100,000 ₽) in a diversified currency deposit or eurobonds, 50% (500,000 ₽) in stocks and ETFs (assuming a portfolio of Russian and foreign securities, e.g., 30% MOEX + dividend level, 20% SP500/internet companies/gold), and 10% (100,...
Bonds for Investors: How to Earn with Minimal Risks
... Opportunities for free analytics and education on bonds.
Other articles on this topic that may interest you: useful materials for investors.
What Types of Bonds are There?
In the Russian market, several main types of bonds can be distinguished:
Government bonds (OFZ). Issued by the Ministry of Finance. They carry virtually no default risk, as they are guaranteed by the state. Usually have low yields. There are also regional and municipal bonds issued by local authorities in the Russian Federation.
Corporate bonds....
Ministry of Finance Auctions – How to Participate
OFZ bonds are a popular investment tool chosen by experienced market participants. The Ministry of Finance regularly conducts auctions, offering these securities. Who can participate in these auctions and what makes Federal Loan Bonds interesting?
OFZs ...
Where to Invest One Million Rubles: Short-Term Investments
... Stocks and funds depend on market conditions (news, sentiment). Cryptocurrencies are the most unpredictable (volatility can exceed 50% in a week).
Liquidity: Bank deposits generally cannot be quickly cashed out without losing interest. On the exchange, OFZ, bonds, and ETFs are sold on almost any trading day (but at current market prices). PIF shares are redeemed with a delay (e.g., once a month), and funds in P2P loans are "frozen" until maturity. Cryptocurrencies can be bought and sold instantaneously ...
Wage Growth in Russia by 2028: Forecast and Investment Strategies
... extremely high, credit activity can slow temporarily. As monetary policy normalizes (projected by 2026–2027 as inflation abates), the banking sector should be well-positioned, benefiting both from clients’ higher incomes and from lower funding costs.
Bonds (OFZ) and Inflation
For institutional investors, rising wages by itself is not a direct driver for the bond market, but the accompanying macro conditions (inflation and central bank policy) are key. In 2025, when nominal incomes are climbing at a record ...