The investor named ways to increase savings in 2026

Personal savings can be increased if you choose understandable tools and form an investment portfolio consciously, especially at the start, when a person still has no experience. On December 3, Fyodor Stepanov, investor and founder of Svoboda Square, told Izvestia about the basic principles of competent investing and typical mistakes of beginners.

"It is definitely worth taking a closer look at such an area as small-format commercial real estate. The fact is that in recent years, the premises of daily demand have become especially popular.: These are convenience stores, hairdressers, and beauty salons. In this case, the income is transparent, the risks are controlled, and the object itself can be seen and understood. This format is stable even with the fluctuations in the economy that we see today," the expert explained.

Stepanov said that the second reliable option remains simple financial instruments with a clear logic of profitability: bonds and dividend stocks of large companies. He stressed that investments should be made only in companies whose business model is understandable to a person and can be explained in simple words. According to the expert, savings should be distributed between different assets, combining them. Bonds serve as an island of safety, commercial real estate generates steady cash flow, and stocks occupy a small portion of the portfolio and provide growth potential.

Long-standing accounts: 706 thousand Russians will be able to withdraw their pension savings in 2026.

Who has the right to such payments and how much money can be received

The investor drew attention to the fact that it is undesirable to store all assets in one place: even if possible, it is better to avoid risk concentration. According to him, one of the most common mistakes remains the habit of putting all funds "in one basket", which causes investors to lose the stability of the portfolio in the long term.

"To save money effectively, you need to remember a simple rule: savings should occur before spending, not after. At least 20% of any income automatically goes into savings. Analyze your expenses and take care of every ruble transferred not from income from assets, but from salary. One of the easiest and most efficient ways to save is to set aside 5-10% of your income every month. Over time, the percentage can be increased to 15-20% in order to accumulate the desired amount faster," the expert said.

Stepanov concluded that when planning investments, it is necessary to take into account the cost of future goals. He gave the example of a family with four children who are planning to buy an apartment in Moscow worth about 25 million rubles. According to the expert, the task will require approximately 100 million rubles over a 5-7-year horizon, which requires a strict strategy and a choice of tools to achieve the goal on time.

On November 26, Dmitry Klyuchnik, Deputy General Director of the Evolution non-governmental pension fund, told Izvestia how to increase the profitability of pension savings. He recommended transferring funds from the compulsory pension insurance system (OPS) to the long-term savings program (RPS). This increases profitability, as this money is placed at higher rates.

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