Russians were told about reliable investment tools

In conditions of economic instability, experts recommend investing in the most reliable assets. One of the simplest and safest options is bank deposits. Alexander Grif, Deputy Director General for Economics and Industry of the CIS Business Economic Center and Chairman of the Council for the Development of Russian-Omani Business under the Government of Moscow, told Izvestia on August 14.

"A bank deposit is the easiest and safest investment option. Now, due to the high key rate (18%), banks offer generous interest rates — up to 16-17.75% per annum. For such a conservative instrument, this is a record high income; deposits are insured by the state for up to 1.4 million rubles. It makes sense to keep 60% of savings in deposits: the risk is minimal, and the percentage covers inflation," said Grif.

Federal loan bonds (OFZ) are an alternative reliable instrument. Investments in OFZ also bring about 16% per annum, which is a good return with minimal risks. Vulture emphasizes that the reliability of bonds is comparable to deposits, and they are suitable for the bulk of investments along with deposits.

"To increase the profitability of part of the capital, we can consider stocks. Many leading Russian companies pay high dividends — up to 15-20% per annum, and their shares grow in value over time along with business development, bringing additional profits," he said.

Saving is not allowed to spend: Russians are switching to an accumulative model

Experts analyze popular ways of forming a financial cushion

However, according to him, stocks are more risky and volatile, so their share in the portfolio should be no more than 20-30%. The expert recommended giving preference to stable companies with strong financial indicators.

"Gold traditionally insures capital against the depreciation of the ruble. When the ruble falls, the price of gold in rubles rises, compensating for the losses. This metal does not bring much income, but it reliably retains its value in a crisis. You can buy gold coins, bullion (without VAT) or open a metal account. It is enough to invest 10% of savings in gold," said Vulture.

As for the currency, to protect against the devaluation of the ruble, Vulture recommends keeping part of your savings in foreign currency, preferably in US dollars. He clarified that forecasts indicate a further weakening of the ruble, so it is better to transfer some of the savings into hard currency. However, buying dollars in cash can be difficult, as stock trading is limited, and banks charge a fee for storage.

A good alternative is the Chinese yuan, which strengthened against the ruble in 2023-2025. Investments in the yuan allow you to diversify your savings and avoid direct dependence on the dollar. It is also worth paying attention to currencies pegged to the dollar, such as the Omani rial or the UAE dirhams. However, given the difficulty of buying exotic currencies, Vulture recommends focusing on the dollar and yuan.

The information in the material is not an investment recommendation.

On April 19, independent financial expert Andrey Barkhota told Izvestia about where to invest in 2025. In particular, according to him, the profitability of bank deposits may exceed 20% per annum. For example, an investment of 1 million rubles will bring the investor more than 200 thousand rubles of net profit per year.

All important news is on the Izvestia channel in the MAX messenger.