Keeping money in a stocking is a surefire way to lose it. All money, regardless of the country of origin, denomination and exchange rate, tend to depreciate. Therefore, you should seriously think about how to protect yourself from inflation.
Instructions
Step 1
The first and easiest way to save money from inflation is to put funds in a bank deposit. Income from such investments is possible when placing large amounts (several million rubles). If your savings are less, do not be discouraged: a deposit is a sure way to keep your money, the interest on the deposit will not allow inflation to "eat" your savings. In addition, you will not be limited in managing your savings: the owner can withdraw money from the deposit at any time.
Step 2
Another way to save money is to invest in mutual funds (mutual funds) bonds. The income on them exceeds the interest on the deposit, that is, slightly above inflation. However, shares are invested for at least three years. You cannot get money from them when you want.
Step 3
A reliable remedy against inflation is investment in precious metals. The most expensive of these is, of course, gold, which only pays for itself in the long term (20 to 30 years). In the short term, it is better to invest in silver, especially since it is much more volatile (volatility is a large price drop) than gold, that is, you can make good money on the ups and downs of the rate.
Step 4
If you need to protect especially large sums from depreciation (from 700 thousand rubles), then it is most reasonable to invest them in the purchase of real estate. The housing issue in our country is acute. The acquired real estate can either be rented out, thereby providing yourself with a stable income, or resold at a higher price. Real estate in the near future will not fall in price, which means that you can not only save your funds, but also increase.
Step 5
Another option to save savings is to buy structured products. Most investment companies offer them today. Structured products combine investments in various financial instruments. Among them there are risky ones (stocks, currencies, futures, indices of developing countries), and there are more reliable ones (bond mutual funds, precious metals, closed-end real estate mutual funds). If the money you have invested in some instruments "burns out", others will compensate for the loss. Either way, investing in structured products will not only block inflation, but also give you a chance to make money.
