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Where to Invest One Million Rubles: Medium-Term Investments
... rate set by the Bank of Russia impact real yields—historically, the purchasing power of ruble deposits has declined. For instance, over the last decade, real income for deposit holders has decreased by almost 18%.
Taxation.
Starting in 2024, interest on deposits is subject to personal income tax (PIT) of 13% above a tax-exempt threshold. This threshold equals 1 million ₽ multiplied by the maximum key rate for the year. With a key rate of approximately 15%, this translates to about 150,000 ₽ in annual deposit income. Therefore, if total ...
Savings Deposit with Capitalization: Investment Features
... their own potential pitfalls that are best understood in advance. It is important to recognize that exceeding the refinancing rate will incur tax liabilities for the individual, specifically concerning personal income tax (PIT).
For instance, if the deposit interest rate exceeds the refinancing rate by 5%, the individual will owe a 35% tax on the difference.
Moreover, it is crucial to thoroughly review the agreement before signing it. The contract outlines the rights and responsibilities of the parties, the deposit term, interest rate, and other parameters. Special attention should be given ...
Where to Invest One Million Rubles: Long-Term Investments
... or more.
5% – Precious metals (gold).
Acts as an inflation hedge: historically, gold prices have increased by several percentage points per year.
5% – Non-State Pension Provision (NPO).
While the contribution does not yield profits, it provides tax advantages (13% refund on the amount contributed) and ties up funds for the long term.
5% – Bank deposits.
A reserved portion of the portfolio for liquidity and guaranteed income (up to 15–20% per annum) without market risks.
This distribution combines dynamic growth (stocks and bonds) with capital protection (government bonds, deposits, gold)....
Where to Invest One Million Rubles: Short-Term Investments
... approximately 210,000 rubles annually), coupon payments on bonds, dividends, and profits from the sale of any securities (stocks, PIF shares, ETFs). The exception is IIS benefits with long-term retention (>3 years). Income from cryptocurrency transactions is taxed at the same rates (13-15%).
Example of Distributing 1 Million Rubles
The correct distribution of capital depends on goals and personal risk tolerance, but for illustration, here are two portfolio examples:
Conservative portfolio: 50% (500,000 rubles)—bank deposit (18-19% per annum), 30%—OFZ or bond PIF (income ~17-18%), 20%—reliable corporate bonds or a conservative PIF (income ~15-20%). This composition provides relative stability: income slightly above inflation but with virtually no risk of capital ...
Key Economic and Investment Events on November 23, 2024
... concerning fines for document forgery for migrants and administrative punishments for the promotion of child-free ideologies have also been approved. Additionally, requirements for qualified investors have been clarified.
Profil
3. Financial Markets:
Income Tax on Deposits: Russians have been reminded of the need to pay income tax on interest from deposits for the first time. This applies to those whose total income from interest exceeds the tax-exempt minimum.
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Impact on Russia:
The expected inflation ...