The economist spoke about the current ways of investing

According to the Bank of Russia, in January of this year, the amount of public funds in banks exceeded 57 trillion rubles. Against the background of lower rates on bank deposits, Russians have already begun to think about alternative instruments. Independent financial expert Andrey Barkhota told Izvestia on April 19 about where to invest in 2025.

"In 2025, the profitability of bank deposits may exceed 20% per annum. For example, an investment of 1 million rubles will bring an investor more than 200 thousand rubles of net profit per year," says Barkhota.

He also warned that if there is a significant gap between the growth of deposits and lending (more than 8-10 percentage points), banks may increase the maturity of deposits. In order to minimize risks, it is worth diversifying investments beyond just deposits.

According to the expert, there are also alternative investment tools, such as developer closed-end mutual funds (ZPIF). This tool is only gaining popularity in Russia. Investors receive income from the sale of real estate after the facility is put into operation. Payments are made gradually, as the lots are sold.

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In addition, the period of instability and volatility is projected to last at least another 4-6 months, with August remaining the riskiest month for the Russian financial market. At this time, investments in stocks will be particularly unpredictable. Volatility in the stock market will not only increase, but will also become its permanent characteristic. In this regard, the economist recommends focusing on fixed-income instruments, primarily on first-class bonds and long-term ruble-denominated securities of companies with high credit ratings.

"In the last two years, investing in gold has gained particular popularity among Russians, which is understandable. In 2024, gold showed an impressive increase in value — 44.38% in US dollars. Taking into account the 6.6% drop in the dollar against the ruble, the yield in rubles was 41.45% per annum. This means that with an investment of 1 million rubles, the potential income could reach 414.5 thousand rubles," said Barkhota.

Purchasing dollars in order to profit from their strengthening against the ruble is currently not an optimal strategy. Even if the dollar exchange rate rises to 120 rubles by the end of the year, the total increase in its value over this period will be approximately 18%.

"Non-economic factors will play a crucial role, creating a heterogeneous environment for investments. In the current situation, a thorough study of the situation and a balanced, considered approach are necessary before making investment decisions," Barkhota summed up.

The information in the material is not an investment recommendation.

Earlier, on January 18, Evgeny Shatov, 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.