The expert spoke about the current ways of investing

In the current economic situation, it is especially important to approach investments carefully. Instability in foreign markets has made bank deposits relevant again, not only as a way to save money, but also as a moderately profitable tool, Ruslan Pichugin, an independent expert in the field of private investment, told Izvestia on June 3.

According to the expert, even deposits should be selected taking into account inflation.

Bank deposits are still one of the most reliable instruments, especially if the investor's goal is to preserve capital with minimal risks.

The expert also recommends not to limit yourself to one type of asset.

"To diversify the portfolio, it is worth considering the stock market. Bonds yield 10-14% per annum, while exchange—traded funds and stocks have the potential for capital growth over a three-year horizon. This is especially true for those who are prepared for moderate risks," he said.

By the rate order: deposit profitability returned to the level of August 2024

They dropped below 19%, as the market prepares for an early decline in key

The specialist noted that for those who seek a stable income, renting real estate is a good option. For example, an apartment worth 12 million rubles can bring 55 thousand rubles a month.

"Cryptocurrencies remain a tool for aggressive investors. Here, the profitability can reach tens of percent, but the risks are appropriate. It is reasonable to use it only for 5-10% of the portfolio," the expert noted.

Gold is also a protective asset that can be stored through compulsory medical insurance or funds, especially in conditions of inflation and geopolitical instability.

"The most sensible strategy today remains diversification: reliable deposits, gold, bonds and moderate risks through the stock market. This will definitely help to balance profitability and save capital," Pichugin summed up.

The information in the material is not an investment recommendation.

Earlier, on May 20, Alexander Anfinogenov, an economist and expert on the consumer goods market (FMCG), pointed to high profits when investing in coffee in an interview with Izvestia. According to him, it is always profitable to invest in coffee, as it is an almost complete guarantee of a return on invested funds and profits.