Vague economic situation in our country,sharpened by the end of 2014, allows us to conclude that the crisis has intensified in the new, 2015. This forecast is supported by the views of both Russian and Western experts.
В рамках ускоренного падения национальной валюты by the end of last year, many wondered about where to invest money in Russia with the greatest possible benefit, or how to preserve existing savings when banks are closed in batches.
The main causes of the Russian economic crisis
There are at least five of them:
- The critical situation in Ukraine, which entaileda decline in a number of economic indicators, and growing corruption are causing accelerated capital outflows (according to many experts, this will continue in the coming 2015).
- The sanctions imposed by the Eurozone, Australia, USA, Canada and other countries.
- Reducing the competitiveness of Russia due to the outflow of foreign investment due to the aforementioned sanctions.
- Direct dependence on the price of oil.
- The fall of the national currency and inflation of interest rates of the Central Bank due to capital flight.
Current forecasts for the development of the Russian economy relative to 2015
The above reasons for the crisis of our economycountries inspire rather disappointing forecasts for its future development, which is why the question of where it is more profitable to invest money in the current year is becoming ever more relevant. The accelerated fall in the national currency at the end of last year makes even well-known leading economists think.
Прогноз В.Osakovsky (specialist American bank Merrill Lynch): the Russian economy will continue to remain in recession until the 2nd quarter of 2015. He predicts zero ruble growth in the current year. In his opinion, inflation will rise to the level of 8% already by the 1st quarter of 2015. In this regard, the Central Bank rates will rise in the 4th quarter. The result of all this is a reduction in the number of credit programs and a drop in incomes of the (real) population. However, in the second half of this year, there will be a strengthening of economic growth trends due to increased government spending, in particular for the construction of the Crimean bridge and the construction of a gas pipeline to China, as well as a reduction in imports. The further outcome depends on whether the de-escalation of the Ukrainian crisis or its renewal will be observed.
Forecast D. Nell and A.Slusarchuk (economists of the large American banking holding Morgan Stanley): economic decline in 2015 by 0.5%, reduction in investment, consumption, acceleration of inflation. This will lead to an increase in the rates of the Central Bank until the second half of this year. They also note the dependence of the further development of the economy on the outcome of the crisis in Ukraine. If escalation continues, rates will rise, and Russia will go into recession, up to 1.5%.
Forecast of the Ministry of Economic Development: 1% economic growth this year.
As for Western financial and economic institutions, they have different assessments of the further development of the economic situation in Russia.
FocusEconomics forecast: economic growth in 2015 by 1%. And the agency of financial and economic news Bloomberg suggests that this year there will be an economic growth of 1.15%.
The forecast of Danske Bank, BNP Paribas and Swedbank: a two-year recession with a special burden for the current year (a decline of 0.6-3%).
Where can I invest money in the current economic situation?
The main areas of investment:
- Foreign exchange market (impressive risk of inflation evenwhen storing cash). If you still want to invest in this investment instrument, then you should choose the most stable currency (euro, Swiss franc, dollar). Investing in the ruble is now more than risky.
- You can invest in real estate.Investing in commercial properties, housing, construction has always been in demand, so to speak. However, it should be remembered that in times of crisis, real estate can easily fall in price by at least 50%. Therefore, it is more efficient to invest in real estate in still developing cities.
- Deposits for the safety and growth of money.Their first appointment is more in demand, as investing money at interest will be inefficient due to the minimum rates. With an unfavorable outcome, they will not cover losses. However, if you still decide to invest money at interest, then it is necessary to observe the following recommendations:
● you need to trust only reliable banks;
● choose the best deposits, providing the possibility of partial or full withdrawal without losing the accrued interest;
● it is worth investing at once in several bankinginstitutions, with each contribution should be up to 700 thousand rubles. due to the fact that the insurance agency guarantees the safety of the amount not exceeding 700 thousand rubles.
- Antiques, art.This is recognized as the most reliable tool for investing in times of crisis. If there is a doubt about whether to invest money here, then you can reassure yourself that such investments are considered one of the most profitable and reliable investment tools. This contribution will help to protect funds and significantly increase them.
- Precious metals.This is a rather risky option as to where to invest money (investments), because the gold rate always fluctuates (as at present). The situation is similar with silver. The most stable is palladium.
- ПИФы (очень рискованный инвестиционный tool). It is worth recalling about the situation with the collapse of stock markets (2008-2009). Many believe that this situation can happen again now, so this is not the option where it is better to invest money.
- Own business.Experts advise to refrain from this kind of investment in the current crisis situation. If, nevertheless, a decision has been made regarding what to invest in, and this is a business of its own, then it is worthwhile to focus on the essential items and services (provided there is no segment overload).
- Shares (requires special knowledge to manage your existing investment portfolio). In an unstable economic situation in the country, they can bring substantial income with proper management.
- Exchange speculation.This is a good option as to where it is better to invest money (especially during a crisis, when the quotes jumps are impressive enough). However, at this time it is better not to start learning the trading process, but rather to trust the professionals.
So, whether to invest inreal estate, or antiques, or interest, or wherever else - a decision that requires serious analysis on such criteria as reliability, profitability, riskiness, etc. You should always proceed from the current economic situation of the country.
Investing in stocks
This is the most popular today.investment tool. Its popularity is determined by a number of exceptional advantages, which is why it leads among the rest of the investment tools. However, to ensure maximum efficiency from securities, it is required to possess a certain amount of knowledge regarding the investment process.
Stock trading is a fairly straightforward process.due to the fact that a significant amount of data is stored in electronic form. If the required knowledge is not available, then you should trust the trade to a professional trader. For pre-specified commissions, he organizes bidding on favorable terms.
Advantages of the investment instrument under consideration
Investing in stocks is beneficial for the following reasons:
- the indicator of annual return on shares takes the value of 100%;
- the share price is set on the basis of the profit of the company behind it, this profit is a derivative of inflation (directly the art of company managers brings additional profit to the shareholder)
The disadvantages of this investment tool
I consider many to invest money in stocks as an inexpedient decision, since:
- they have the property of volatility (under the influence of the market, the value of shares may fall sharply);
- A shareholder can make a profit as the last resort (payments to suppliers, employees, creditors, etc.) are made first.
Education as an investment option
Такое вложение в дальнейшем принесет свои плоды в as a new position and, accordingly, a good salary. And in the current crisis situation, it will be useful to think about the second higher education or refresher courses or retraining.
Education is a good option where you caninvest money, especially since this kind of investment will provide a number of advantages in the labor market. In addition, in a period of crisis in training it will also save (most universities offer discounts in order to attract customers).
However, one should not invest in education if there is doubt about the lack of time or patience to complete the training.
Travel as an option of what to invest
Many consider it the most worthwhile option of spendingof money. For psychological satisfaction, along with shopping, it is also necessary to invest in good impressions. In this regard, the rest must be complete, as it can affect the quality of further work.
However, travel is not exactly good.option of what to invest in, if they are credit or last. Also, the trip should be planned independently, due to the fact that recently there have been frequent bankruptcies of travel agencies.
Investing in a startup
For a start it is worth telling what a startup is.These are innovative companies that offer fundamentally new technologies. The introduction of new and unknown technologies into life, bringing them to mass consumption is a rather difficult task, the favorable resolution of which can bring more than one hundred percent of the profits. That is why this option is acknowledged as approving of where it is more profitable to invest money.
To make money on this kind of investment,it is necessary to be sure that such components as goal, team, idea and plan are closely interrelated, and the company clearly understands its mission and how to implement it (the main component of success).
There are enough examples of whenstartups from zero point turned into billions of holdings, enriching their investors at all stages of development. Currently, there are special stock exchanges for startups that bring companies and investors together.
"Startup Exchange" - the site where they are registeredcompany data, their proposals, business plans, and the amount required for promotion. Interested investors contact the company and subsequently invest in its offer. One startup may have more than one investor.
Pros and cons of this kind of investment
This is a good option as to whereIt is more profitable to invest money, since even in the situation of burning out, for example, ten startups out of eleven, the latter is able to recoup the losses incurred due to a yield of several thousand percent.
However, a startup is always a risk and an uncharted area. Quite often, they die not because of a bad idea, but because of illiterate organization and incompetence of the company's management.
Despite the disadvantages, it is still recognized as good.deciding where to invest money (reviews of grateful investors - confirmation of this). In addition, many are guided by popular wisdom: "risk is a noble cause."
Investment service PAMM-account
Literally translated as interest moduleprofit sharing. As an investment service, it is a kind of trust management that allows a depositor to make a profit at the Forex market trading auction, attracting professional traders for this.
Its principle of operation:Investors (any person who has invested in PAMM accounts) make contributions to the general account, with which the manager (trader) selected by them carries out the appropriate manipulations. As a result, the resulting profit (loss) is distributed based on the investor's share in the total account.
Security is providedby blocking the possibility of withdrawing investors from their trader. The investor, in turn, can withdraw funds due to him at any time convenient for him.
A prerequisite for the manager - makingown funds to a PAMM account. This is due to the risk sharing (the trader, making transactions, risks and their own means). With each profit received he is entitled to a remuneration, the amount of which is attributed to the agreement (20-50%).
In order to protect investment funds from theirtotal loss during trading on PAMM accounts, it is possible to set a limit on losses to a certain level. Also really stick to the zero risk strategy.
PAMM Account Benefits
They have the following form:
- compared to a bank deposit, a larger percentage of profit (based on managerial skills, up to 100%);
- the possibility of earning income in the shortest possible time (per week);
- the possibility of choosing a manager according to your requirements;
- acceptable level of minimum investment (from $ 100);
- the possibility of prompt withdrawal of funds on demand (during the week);
- free schedule;
- round-the-clock monitoring of investments;
- comfortable way of investing (remotely);
- investment management from anywhere with Internet access;
- there is no need to be trained to play in the foreign exchange market;
- withdrawing funds in any convenient way (bank account, Yandex.Money, WebMoney, etc.).
Recommendations regarding the choice of trustees
The values of the main parameters of the PAMM account are as follows:
- The amount of management (an indicator of confidence of other investors to the general manager).
- Manager's capital (the trader risks his own capital, too).
- Age (due to the fact that the accrualcorresponding interest on the amount occurs every week, it is also indicated in weeks). It is recommended to choose PAMM accounts that are less than twelve weeks old. The longer the account runs, the easier it is to track the results of trades, the professionalism of the trader, etc.
- The minimum amount of investment (does not reflect the degree of success of the trader; allows you to select the desired PAMM account).
- Secondary reliability attributes (displayPAMM-account activities through various factors, their ratios, as well as formulas for determining the reliability of investments in account data based on a post-analysis of the trader’s work).
So, the decision as to where it is more profitable to invest money is made depending on the current state of the economy and on what goal the investor pursues.
