Having accumulated a certain amount of money, a person inevitably faces the question: how to save and increase it? For those who are not accustomed to “playing” on capital, the most important condition is the reliability of the chosen storage method, and income is a pleasant bonus.
Instructions
Step 1
Don't keep money under your pillow. In conditions of constant inflation, they gradually depreciate, as a result of which you incur losses. If, nevertheless, the moneybox seems to you more reliable than other options, think about in what currency to store your savings. Due to the difference in quotations and possible instability of the exchange rate, experts advise buying different currencies, for example, the dollar and the euro. Pay attention to payment units that are unusual for Russians, for example, the Chinese yuan, the Swedish krona, the Japanese yen. The only problem with the "exotic" is that not everywhere it can be purchased and exchanged for rubles.
Step 2
If salary, pension, scholarship and other payments are regularly transferred to your card, do not use it to store money. Leave on the account only the amount that you may need for running expenses. Make the rest of your savings make a profit.
Step 3
If you want to apply for a bank deposit, please note that the highest annual percentage does not always mean the highest possible profit, so be sure to use the deposit calculator to calculate the estimated income. Consider interest capitalization, if applicable. Decide on other important conditions, such as the possibility of replenishing a deposit or early withdrawal of money. Choose a bank whose deposits are insured and keep no more than 700,000 rubles in one financial institution.
Step 4
If you want to ensure the reliability and profitability of your savings in the long term, pay attention to the possibility of investing in precious metals and real estate. Prices for both, as a rule, only rise. If you buy real estate, you can profit from it, for example, by renting out.
Step 5
If you are not alien to excitement, buy shares of well-established companies: LUKoil, Gazprom Neft, Surgutneftegaz, Rosneft, Polyus Gold, Sberbank of Russia, VTB, Aeroflot, Severstal. Over the years, their price can rise significantly, and your profit will far exceed the profitability of other ways of storing money.
