The expert named relevant ways to invest money with minimal risks.

Savings and investments are the key to financial stability. However, not everyone knows how to invest money correctly to avoid risks. Marina Kulikova, Financial Director and consultant on management and financial accounting, shared her tips on how to invest her savings correctly in an interview with Izvestia on July 15.

"One of the simplest and most affordable options is bank deposits. Large banks offer attractive deposit conditions. However, it is important to take into account a nuance: if the amount of the deposit is significant, it is better to divide it into several parts. Then, if necessary, you can withdraw some of the money without losing interest on the remaining deposits," the specialist noted.

In addition, the expert recommends paying attention to bonds.

"Government securities (OFZ) provide yields of up to 16% per annum and virtually eliminate the risk of default. If the key rate starts to decrease, the value of the bonds may rise, which will bring additional profits. Corporate bonds of large companies offer even higher yields and can be an excellent substitute for long—term bank deposits," she explained.

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

Precious metals also remain a reliable investment method.

"Buying bullion or opening an impersonal metal account not only protects savings from inflation, but also allows you to make money on rising prices," the expert added.

Another proven option is investing in real estate. Buying a home or commercial property can bring stable rental income or profit from resale.

The expert stressed that the choice of the instrument depends on the amount, timing and goals of the investor.

"Deposits and OFZs are suitable for short—term investments (1-2 years), corporate bonds for medium—term investments (3-5 years), and real estate and precious metals for long-term investments (5+ years). It is important to diversify investments: for example, to distribute funds between metals, deposits and bonds. This approach can bring 10-15% per annum," Kulikova 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.