The expert gave advice on investing funds for a decent retirement

To save up for a decent old age, it is important to calculate the required amount correctly and choose reliable investment tools. This was told to Izvestia on April 12 by Fyodor Sidorov, a private investor and founder of the School of Practical Investment.

"In order to understand how much money to set as a goal for saving for old age, it is necessary to make calculations. For someone, 50 thousand rubles is enough to live a full life and meet basic needs, for someone, 100 thousand rubles will not be enough," he explained.

The expert noted that it is necessary to take into account the period during which it is necessary to maintain the desired income level. Retiring at age 60 for women and at age 65 for men is one thing, but it's quite another to stop working at age 45-50, without waiting for retirement age.

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The specialist recommends several investment methods for capital formation, emphasizing the importance of diversification.

"To save up for old age, several investment methods will help, it is advisable to diversify them in order to reduce the risks from each instrument individually. At the same time, the most important rule is to save part of the income regularly," he said.

Among the conservative options, the expert named a bank deposit and the purchase of real estate, as well as the purchase of real estate (commercial or residential) to generate income, which can be immediately reinvested in other instruments, the expert advised.

In addition, he mentioned less common but promising tools.

"There are also relatively new, so far unpopular instruments: a non—governmental pension fund, a long-term savings program (the yield on deposits when opening such products is usually higher)," Sidorov summed up.

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.