The sharp drop in the ruble's exchange rate is worrying many people. All savings can turn into pennies. The most important thing is not to panic. It is during the crisis that you can get a high return on your investment.
Many people think that those who have no money have nothing to lose. In fact, their situation is worse than that of others. Typically, most people live paycheck to paycheck and do not have a financial cushion. Having lost their jobs during the crisis, they are left without money for housing and food. Therefore, there should always be a cash reserve.
It is too late to exchange rubles for dollars. And even more so, do not touch ruble deposits. In case of early closing of the deposit, the interest rate on the deposit is equal to the rate on the demand deposit. You will lose all interest on the deposit. Before withdrawing money, think about the need for this money.
First of all, you need to correctly assess the current situation. Calculate how much money you need to save from devaluation. Amounts up to 30,000 rubles. you can leave it as a reserve and not touch it. It is better to keep them at home and not invest anywhere. Holders of larger amounts should take their time. The most correct solution during a crisis is to diversify your own money.
It is necessary to divide all the accumulated money and place it in different financial instruments. The first part of the money can be deposited in a large bank. For the second part, buy precious metal and put it on an impersonal metal account. Before buying, look at the dynamics of the change in the rate of the selected metal. It is more profitable to buy the precious metal, the price of which at the moment is not the highest in the last year. For another part of the money, buy mutual funds of a large investment company.
Mutual investment funds are divided into conservative and risky. For a quick and high income, buy shares in a stock fund. If you don't want to risk your money, then you can invest in a bond fund.
Keeping a very large amount of money in the bank is very risky. Even if you follow the rule “don't put all your eggs in one basket” and distribute the money to different banks, you may still not get your money on time. During a crisis, the bank may temporarily refuse to issue a deposit. Therefore, real estate is considered the most reliable investment.
When investing, keep in mind the liquidity of your investments. That is, consider how long you want to get your money back. For example, real estate has very low liquidity. It is not always possible to sell an apartment quickly. During a crisis, demand can change, which will affect the price. Therefore, the sale of real estate will not be profitable and advisable only in case of urgent need. Bank deposits, compulsory medical insurance and mutual funds have high liquidity.
For many, the devaluation of the ruble may be a sign to buy what they have long dreamed of. For example, a car. With the growth of the dollar, the cost of imported cars will rise. Prices for domestic cars will also rise, as imported components are used to assemble cars. While prices remain at the same level, you can manage to buy a car before the price rises.
And now a useful tip - it's time to learn how to save. Save 10% of your income every month. You will have a cash reserve and funds to replenish your investment portfolio.
