Why invest?

Receive passive income

If you regularly save and invest money, you can create capital that will bring passive income in the form of coupons or dividends.

Save up for a large purchase

Securities can generate income higher than deposits, so investing in them is one way to save up for housing, a child’s education or another purpose.

Ensure a comfortable life in retirement

In order not to change your usual lifestyle in old age, take care of your future today with the help of long-term investments.

Where to invest

Realty
​​​​​​​
Positive
A relatively simple attachment option. Minimal risk that investments will depreciate.

Minuses
An investment in an apartment pays off for a long time — according to various estimates, it takes up to 20 years with a rental yield of only about 4-5% per annum. The apartment cannot be sold quickly.

Currency
​​​​​​​
Positive
A very simple and intuitive way. The currency can be stored on a deposit and receive interest, and when it becomes more expensive, it can be sold.

Minuses
Exchange rates are unpredictable: those who bought dollars at 80 rubles and euros at 90 rubles at the end of 2014 are still in the red. In addition, foreign currency deposits have very low rates.

Deposits
​​​​​​​
Positive
Profitability is guaranteed. This is the most convenient and safe way to invest money: deposits of up to 1.4 million rubles are insured by the state.

Minuses
The profitability of deposits, as a rule, does not exceed inflation, but is often lower.

Investments in securities

Positive
The possible yield of securities is higher than that of deposits. A wide range of instruments: from low-risk with moderate returns to high-risk with a possible high income. The state allows you to reduce or not pay taxes on income from investments at all — there is a special account (AIS) for this.

Minuses
Profitability is not guaranteed — you can go into negative territory, especially if you invest in high-risk securities.

Receive passive income

If you regularly save and invest money, you can create capital that will bring passive income in the form of coupons or dividends.

Save up for a large purchase

Securities can generate income higher than deposits, so investing in them is one way to save up for housing, a child’s education or another purpose.

Ensure a comfortable life in retirement

In order not to change your usual lifestyle in old age, take care of your future today with the help of long-term investments.

Where to invest

Realty
​​​​​​​
Positive
A relatively simple attachment option. Minimal risk that investments will depreciate.

Minuses
An investment in an apartment pays off for a long time — according to various estimates, it takes up to 20 years with a rental yield of only about 4-5% per annum. The apartment cannot be sold quickly.

Currency
​​​​​​​
Positive
A very simple and intuitive way. The currency can be stored on a deposit and receive interest, and when it becomes more expensive, it can be sold.

Minuses
Exchange rates are unpredictable: those who bought dollars at 80 rubles and euros at 90 rubles at the end of 2014 are still in the red. In addition, foreign currency deposits have very low rates.

Deposits
​​​​​​​
Positive
Profitability is guaranteed. This is the most convenient and safe way to invest money: deposits of up to 1.4 million rubles are insured by the state.

Minuses
The profitability of deposits, as a rule, does not exceed inflation, but is often lower.