What to do with savings in rubles now
The beginning of 2015 brought new disappointment to Russians. Back in December, it seemed that the situation began to stabilize, but already in the early days of the new year the ruble fell by several points after the continued drop in oil. Analysts predict a gradual devaluation. But there are so many factors influencing the course that nobody can call the exact figure. And what about the ruble savings for those who are poorly oriented in exchange rates and did not have time to buy a dollar of 40 or at least 50 rubles? First, you should not rush to run the currency at the height of growth, because correction is inevitable, even in a downtrend, in other words, the USD rate will not only grow but also fall. Secondly, dollars can not be put in a pod and forgotten. To change the course you need to constantly monitor, in time to sell at the right time.
But what can be done so that the ruble savings are not depreciated? There are many options. Everything depends on the level of knowledge in the economic sphere and the amount of funds in rubles that will not be required for a long time.
Where you can put ruble savings
The first and simplest way to save money is by investing in liquid real estate, which is in demand in the rental market. Of course, the cost of housing in dollars has fallen significantly and will continue to decline, but speculation in the foreign exchange market may not be an alternative for everyone. A rental of real estate is, albeit a small but stable income, which for many decades will be a good help.
Another saving tool for inflation may be a multicurrency basket, in which there will be a ruble, a dollar and, possibly, the euro. True, hurry to buy dollars and euros at the current rate is not worth it, but you can search for a local minimum. If there is no understanding of the currency market, and there is no desire to learn, then it's better not to experiment, since the ruble is very volatile now, i.e. is not stable, and there is a high risk of incurring losses.
Also, Eurobonds can be considered as investments, but more experience and understanding of the market is needed to be able to sell them in time, and not only to successfully buy and make a profit, because the income is always proportional to the risk. Look closely at the RF bonds, now they give a good income.
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