The expert told the Russians about three ways to profitably invest 100 thousand rubles.

Before investing money, you should determine the purpose and duration of the investment. This will allow you to choose the appropriate market strategy and tools and thereby ensure maximum profit. This was announced on June 3 by a financial consultant, an expert of the NIFI project of the Ministry of Finance of Russia "My Finances.Russian Federation" Alexey Rodin.

"For example, let's take a conditional 100 thousand rubles and try to understand how they can be invested. This is not an investment recommendation, because then it would be necessary to take into account many individual factors, but just an illustration of how to manage funds with different introductory conditions," he said.

So, the first option is to create an airbag. In this case, liquidity and reliability are important in order to be able to withdraw money at any time. Then a bank deposit with an average yield of about 19% per annum for a period of up to a year and a money market fund will be suitable. Under such conditions, you can earn about 23% per year with minimal risks. However, the expert warns, here we must not forget that with a decrease in the key rate, profitability will also fall. If you keep the current rate, you can earn 19.5–23 thousand rubles.

The second option is to invest over a medium—term horizon of several years, for example, to save up for a down payment on a purchase. In addition to the previous instruments, money can be placed in long-term federal loan bonds (OFZ). You can earn money on them during the period of lower rates, then the securities will rise in price to 90% of the face value. You can also earn on coupon income. With a well-chosen strategy, the amount will increase to 180 thousand, Rodin assured.

The third option is to create capital to generate passive income in 20 years. According to the consultant, such a period will make it possible to recoup the inevitable crises. In this case, a bank deposit with an average yield of 7.5% will not cover even the average inflation (8%). Rodin recommended choosing a passive index portfolio, investing money in different assets according to your risk profile. With a moderate profile, a portfolio can consist of 70% equity funds, 20% bond funds, 5% gold funds, and 5% real estate funds. Its average return over 20 years will be 14%, which will give the investor approximately 1.3 million.

"For advanced investors, investing in long-term government bonds during the crisis and a passive index portfolio after a key interest rate cut is suitable. Then, in 20 years, you can count on a capital of 1.9 million rubles," Rodin said in an interview with the Prime agency.

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Rodin said on May 28 that a deposit, rather than a savings account, would be a more competent investment against the background of lower interest rates. He noted that the rates on savings accounts are always lower than on deposits, and they decrease faster.The expert also added that financial resources can be directed to the bond market. The level of their profitability is not inferior to deposits, and you can sell them at any time without losing profit.