The ruble is falling, what should we do?
The ruble is falling, what should we do?
The sharp fall in the ruble makesworry 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 do not have the money to losethere is nothing. In fact, their situation is worse than that of others. As a rule, most people live from wages to salaries and do not have a financial airbag. Having lost their jobs during the crisis, they remain without money for housing and food. Therefore, there should always be a monetary reserve. It's too late to exchange rubles for dollars. And even more so you should not touch ruble deposits. In case of early closure of the deposit, the interest rate on the deposit is equal to the interest 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 30000 rub. can be left as a reserve and left alone. They are best kept at home and do not invest anywhere. Holders of larger amounts should not hurry. The most correct decision in times of crisis is diversification of own money. You need to divide all the accumulated money and place it in different financial instruments. The first part of the money can be deposited in a deposit to a large bank. On 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 that precious metal, the price of which is currently not the highest for the last year. On the other part of the money to buy mutual funds of a large investment company. The investment funds are divided into conservative and risky. To get a quick and high income, buy shares of the stock fund. If you do not want to risk your money, then you can invest in a bond fund. To keep a very large amount of money in a bank is very risky. Even if you follow the rule "do not put all the eggs in one basket" and distribute the money to different banks, you can still not get your money in time. During a crisis, a bank may temporarily refuse to issue a deposit. Therefore, the most reliable investment is considered real estate. When investing money, remember the liquidity of your investments. That is, consider, after what time you want to get back your money. For example, real estate has very low liquidity. Quickly sell an apartment does not always work. Demand during the crisis may change, which will affect the price. Therefore, the sale of real estate will not be profitable and expedient only in case of acute necessity. High liquidity has bank deposits, CBOs and Mutual Funds. For many, the devaluation of the ruble may be a sign of buying something that has long been dreamed of. For example, a car. With the growth of the dollar, the value of imported cars will increase. Prices for domestic cars will also grow, as imported components are used to assemble cars. While prices remain at the same level, you can have time to buy a car before the price hike. And now a useful tip - it's time to learn how to save. Delay each month 10% of your income. You will have a cash reserve and funds to replenish your investment portfolio.
