Experts told where to invest in 2020, so that they do not depreciate, but work. Some argue that it is safer to use traditional options, while others suggest completely innovative ideas. Each of the ways to increase savings has its own characteristics.
Classic Bank Deposit
The safest way to invest in 2020, as before, will remain bank investments. The deposit insurance system provides a guarantee that in case of termination of the financial organization, the citizen will receive his "hard-earned" back. True, insurance covers only amounts up to 1.4 million rubles. Also, not all banks in the Russian Federation are participants in the deposit insurance program. Therefore, before deciding which bank it is better to invest at interest in 2020, it is necessary to clarify this information. The list of banks participating in the insurance program is available on the official website of the Central Bank of the Russian Federation.
Return on investment averages from 4 to 11% per annum. The size of the bet depends on several factors:
- placement period;
- down payment;
- deposit conditions;
- rating and reputation of the bank;
- refinancing rate.
The longer the period of placement of money and the larger the amount, the higher the percentage of banks offer. If, under the terms of the contract, the deposit can be replenished and interest partially removed, then the yield will not be large. The most profitable deposits for a period of 12 months with the inability to withdraw and replenish. The down payment on such deposits ranges from 30 to 50 thousand rubles.
To know which bank is better and more profitable to invest in 2020, financiers recommend tracking shares from banks. Most often, good deals come on the eve of big holidays. For example, Sberbank annually offers deposits with increased rates for the New Year and Victory Day. According to analysts, at the beginning of 2020 it will be possible to place savings at a maximum of 6-7% per annum in banks with state participation. While in commercial organizations, this figure can go up to 8-9%.
Experts warn that too high interest, relative to others, is a sign of a lack of funds in the bank. Such proposals should be treated with concern. Indeed, the central bank annually takes away licenses from dozens of unreliable organizations. In order not to become a client of a bankrupt bank and not wait for the return of your savings from the insurance company, it is better to entrust your money to banks with state support. These include:
- VTB;
- Sberbank
- Russian Agricultural Bank;
- Bank FC Discovery;
- Promsvyazbank;
- Post Bank and others.
For maximum profit, economists advise to divide all the accumulated funds into five parts. Choose a reliable bank with average rates and open the so-called ladder of deposits in it: for 3, 6 and 12 months. The last two savings accounts must be replenished. After the end of the deposit for 3 months, the funds can be transferred to an account opened for six months. After the deposit has ended for 6 months, it is advantageous to transfer the money to a long-term deposit with maximum interest.
The two remaining parts of accumulated savings, experts advise to keep in foreign currency. It is safest to buy in equal parts euros and dollars. You can store currency electronically on a simple foreign currency account or also place them on an income deposit.Interest on dollar and euro deposits is small (about 2% per year), but these funds are not depreciated due to the constant increase in value against the ruble. To maintain the ability to play on the exchange rate, short-term deposits are more suitable.
Today, some banks offer to open online deposits without leaving home. The interest on such online deposits is an order of magnitude higher than those offered on a personal visit to the organization. It’s convenient to manage your finances through the mobile application of a particular bank. In 2020, the number of organizations working with clients online will increase significantly.
Other ways of investing
For those who have a decent amount, but have not decided what to invest in 2020, experts offer win-win options:
- purchase of precious metals;
- real estate acquisition.
In the first option, you can invest in several ways: purchase metal bars, jewelry and coins, or open a metal account. It is not very convenient to store metal in its natural form. To do this, you need to rent a cell in the bank or install a safe at home. When opening a depersonalized metal account, it should be remembered that they do not fall under the law on deposit insurance. Rates on such accounts are always small, but the price of precious metals is growing steadily, so this is a great way to place long-term assets.
The acquisition of real estate over the years remains one of the best ways to invest money. Despite the stagnation of the market in recent years, apartment prices are steadily creeping up. Real estate can always be sold and saved back with good interest. In addition, passive income in the form of rent to the owner of an apartment, garage, parking space or office space will be guaranteed.
Of the innovative ways to invest, experienced investors offer online investment. The essence of the investment is to invest your savings in venture capital funds. This earnings option is very risky, so the "idea" for investment must be chosen very meticulously. It is possible to sponsor a project, if possible, there are no minimum investment thresholds. If the business “unfolds”, then the investor can get up to 50% of the profit.
Another extraordinary way to earn money on savings is to trust money to an experienced broker. Professional traders who skillfully trade on stock exchanges can bring up to 10% of the amount transferred to the owner. Before you start a partnership with him, you should read real reviews about his activities on the Internet. If the applicant is “unclean on hand”, then this information will immediately pop up.
Read also:
- Write-off of debts on loans to individuals in 2020
- In what currency to store money in 2020
- What will happen to deposits in 2020
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