The expert gave advice on accumulating large sums

Large purchases — an apartment, a car, expensive equipment, or even education — require serious financial investments. At the same time, you may encounter inflation, the temptation to spend money and long periods of accumulation. The director of communications of the cryptocurrency exchange told Izvestia about proven methods, including investments in digital assets, and other non-obvious tools. exmo.me Mikhail Smirnov.

"Before saving, you need to understand how much and in what time frame you need to collect. A clear plan allows you to understand how much you need to save each month and which tools to use. When the amount that needs to be saved regularly and the savings period are determined, it is important not to deviate from the planned course. Consider the money allocated to replenish the piggy bank for purchases as a mandatory payment that cannot be missed," he said.

For example, if the goal is to save 1.5 million rubles in three years, with the classic approach you will have to save about 42 thousand rubles per month. If you connect investment tools, you can reduce this volume due to profitability.

Dative case: the number of open deposits has increased in the Russian Federation

What is the reason for the enthusiasm of Russians?

Cryptocurrencies remain one of the most profitable investment assets. However, high volatility requires a cautious approach. Investments in digital currencies can bring returns of tens of percent per annum, but they also carry increased risks. The most common strategies for investing in cryptocurrencies include spot purchases, staking, and the DCA (Dollar Average Cost) strategy.

"Despite the potential benefits, it is better to allocate no more than 10-15% of the capital for cryptocurrency investments. This tool can be used as an additional one, but not as the main method of savings. If cryptocurrencies seem too risky, fixed-income debt instruments such as bonds or certificates of deposit can be considered. They allow you to earn a stable income above the inflation rate," he stressed.

Government bonds (OFZ) provide a yield of 10-12% per annum, which is already higher than the average rates on bank deposits. Corporate bonds can yield up to 15%, but require careful selection of the issuer. REPO transactions are also considered an important tool, in which you can temporarily invest money at a fixed percentage and then take it back with a small profit.

A regular bank deposit is also suitable for stable accumulation. The discount rate is constantly increasing: you can choose the most favorable conditions and receive a guaranteed percentage. Deposits in banks are insured by the state, which reduces risks, and no special knowledge and skills are required to manage the deposit.

"To save up for a large purchase, it is important to combine different strategies. Using one method can stretch the process for years, while a combination of sound investment, savings, and additional income allows you to achieve your goals faster. The main thing is to maintain a balance between risks and profitability, not rely on one tool and regularly review the financial strategy," the expert concluded.

The information in the material is not an investment recommendation.

Earlier, on January 18, Evgeny Statov, a partner at Capital Lab, told Izvestia about current investment instruments. According to him, in conditions of high interest rates, deposits remain one of the most attractive tools for saving capital. The level of deposit rates in the largest banks reaches 23%, which allows you to earn a stable income with minimal risks.