Russians have listed promising ways to invest

About 40% of Russians surveyed expressed the opinion that investing in real estate is a promising investment against the background of lower rates on bank deposits. This is stated in the results of the financial marketplace research "I will choose.<url>" and the Nibble Invest crowdlanding platform, which were reviewed by Izvestia on March 21.

Experts found that in early March, about 85% of respondents used bank deposits and savings accounts for savings. At the same time, more than 40% noted that they had purchased securities (stocks, bonds) against the background of positive news about the growth of the stock market. Every tenth respondent invested in real estate. 36% of Russians kept their savings in foreign currency, preferring the yuan in 65% of cases. More exotic investment tools — the purchase of gold, precious metals, and digital financial assets (CFAs) — were used by every tenth participant in the survey.

At the same time, two thirds of Russians intend to diversify their risks and diversify their investment portfolio. One in four is ready to transfer part of the funds from a bank deposit to other instruments in order to maintain high returns while reducing deposit rates. One in three temporarily refused to buy foreign currency, explaining this by the high volatility of the exchange rate and the unstable political situation. 27% of compatriots have taken a pause in buying securities, while 12% have so far refused to invest in the CFA.

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At the same time, the study participants identified investment instruments of interest to them, which they would like to pay attention to in 2025. Thus, 39% of respondents consider investments in real estate to be a promising investment with lower rates. At the same time, 21% indicated that they are interested in the possibilities of flipping — earning money on the resale of real estate after renovation.

About 15% of the study participants are interested in stocks in certain industries because they see the prospects opened up in the context of import substitution and want to support the country's business, 26% believe in the growth of "blue chips" (securities of large and most stable companies). Debt instruments — bonds, crowdlanding, CFA — are considered by 18% of Russians.

"For the fifth week in a row, the Bank of Russia has recorded a reduction in the maximum interest rate on bank deposits. Against this background, Russians are striving not only to maintain high returns on savings, but also to diversify their investment portfolios in order to balance their risk profile. Special attention is paid to real estate investments, which our compatriots traditionally perceive as an investment in a real asset with a high payback in the future," said the executive director of the financial marketplace "Choose.<url>" Yaroslav Badzhurak.

In turn, Olga Malyugina, CEO of the Nibble Invest crowdlanding platform, noting the interest of Russians in flipping, clarified that this is not just a purchase and sale of real estate and a temporary trend, it is a tool with a full-fledged strategy for those who seek to effectively manage their funds.

The information in the material is not an investment recommendation.

Earlier, on January 18, Evgeny Shatov, a partner at Capital Lab, told Izvestia that yuan-denominated bonds, as well as replacement bonds, could be considered to reduce currency risks. They can act as a hedging tool against a possible devaluation of the ruble. In addition, gold and silver retain their role as protective assets in the face of geopolitical instability and inflationary pressures. These instruments can become an important part of a diversified portfolio.