A financial expert spoke about possible investment options

Money can be invested in different ways, including shares and bonds, said financial expert, head of Sodeistribution Group of Companies Alexey Lashko Alexey Lashko. He told Izvestia on December 24 about ways to invest savings.

"I would divide savings into three parts. The first part I would invest in shares of Russian companies. These are five to seven issuers. Second, I would buy bonds with fixed variable coupon income. I would choose bonds rated A or 2A. Now the rates on them are 32-34%, you can find 39 per annum, with a maturity of one year, 2-2.5 years. I would receive coupons, reinvest these coupons further into these bonds," the expert said.

Speaking about the third option, he noted investments in substituted bonds. Lashko specified that in 2022, 2023 and 2024, Russian issuers held replacement bonds that were traded outside the Russian Federation, now these replaced bonds are traded in the contour of Russia.

"They have an exchange rate linked to the dollar, euro and Swiss franc. It all depends on which bond you choose. And here the income ranges from 9.5 to 13% per annum. The income is paid in rubles, but it is tied to the dollar rate. It is recalculated every day at the exchange rate. And this is not a bad defense against devaluation. You can choose 3-7-year bonds and also receive a coupon on them and reinvest them. I would do this story with coupons on an individual investment account of the third type. In this case, personal income tax is not taken from the bonds, and the entire amount is reinvested," the expert explained.

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He also told about money market funds, in which investors invest their money.

"Money market funds have their own mechanism. They lend against the security of liquid securities, allow banks to manage liquidity. And there are 15 such money market funds, conventionally speaking. These are exchange-traded mutual funds, which are traded on the stock exchange," the expert specified.

In this case, he noted minimal brokerage commissions and instant liquidity. But to choose this option, a person needs to understand how the stock market works, how to open a brokerage account, know how to manage it, understand what securities to buy, why it is worth considering money market funds, not bonds.

The information in the material is not an investment recommendation.

Earlier, on October 25, the head of the center of brokerage operations of MTS Bank Julia Gorokhova said that you can start investing with 100 rubles. However, one should not invest large sums at once. The optimal attitude to money is to form a portfolio, which is rebalanced depending on the market situation and a person's needs, she specified.