The rich first of all buy assets, the poor - on the contrary, liabilities (this is the idea...

The rich first of all buy assets, the poor - on the contrary, liabilities (this is Kiyosaki's idea, if anything).

3) Buy currency - dollar/euro. Plus - it’s a little better than storing in RUB, since historically the ruble has invariably declined against these currencies, which is generally not surprising for the importing country. Disadvantages - inflation, possible short-term strengthening of the ruble relative to currencies.

4) Deposit. Almost as safe as option 1), only the bank can go bankrupt/lose its license 🤦‍♂ And the cost of risk is great - for a ruble deposit at the time of writing, the yield in top banks is up to 5% per annum))) A deposit in foreign currency will give you 1-2% per annum. Cool 😂

5) Gold and silver. A good investment option, a “protective asset”, especially interesting during periods of crisis and increased inflation. Due to the fact that drag. The supply of metals is limited (they cannot be “printed” on such a scale as, for example, currency).

6) Real estate. This is a separate large section, there can be various variations according to the type of real estate - private/commercial, condition (primary/secondary), and a bunch of other nuances and ways to make money from rising prices, schemes such as buying at the excavation stage and selling upon completion, using leverage (borrowed funds), etc. For consideration, I take only the official dynamics of prices for secondary and primary real estate in the MSK.

I am not a specialist in this field, I can only say that 100% there are ways to generate more tangible profits compared to the data in the table below, as well as my own nuances that I do not know about. I will be glad to hear your opinion on this issue, welcome in a personal 👉 @ladislao1.

7) Bonds. Essentially, bonds are a loan, the lender is the investor buying the bond, the borrower is either the company or the state that issues the bonds. The yield on bonds is always fixed and known in advance, unlike, for example, stocks.

Risks - default of the state or bankruptcy of the company. The most reliable bonds are those issued by governments. The Russian government issues OFZs; now you can get up to 7.12% per annum on them if, for example, you buy OFZ issue 29009, which matures in 12 years. And there are people who buy them, apparently, do not remember the events of the glorious 90s 🤦‍♂

Corporate bonds are issued by companies. For example, now on the Cascade bond issue 1 (maturity date 08/10/22) the yield is 15.06% per annum, which, of course, is not bad if you do not take into account the company’s rating and the likelihood of its default on its obligations). There are bonds issued by regions - naturally, the risks for them are higher than for the state, the percentage of return is comparable to OFZ or slightly higher.

There are also bonds in foreign currency, for which you can receive up to 5-5.5% per annum in foreign currency, and also take on possible risks of default by the issuers. The lowest risk and the lowest profitability are for the state. US bonds, currently about 1% per annum for 7-year bonds.

8) Cryptocurrency is one of the riskiest investments. The pricing of cryptocurrencies, the possibility of additional issues (issuing additional coins), the demand for this technology in the future is questionable, although the potential profitability in the event of another boom in the market can be very high.

For me personally, this is an instrument in which at one time I invested part of my savings, which I don’t mind parting with forever, and forgot 🙈 If the hype starts again in the foreseeable future, my investment may briefly multiply. If this does not happen and the coins depreciate or do not bring any income, I will not be upset either, since I initially understood all the risks.

9) Stocks. When you buy a share, you are not a creditor of the company, as in case 7), but you become the owner of part of the company itself. For example, if the capitalization (total market value) of the Yandex company is 1 trillion RUB, I, having bought stocks of the company in the amount of 100 RUB, own 1/10,000,000 of the company or 0.00001%🥳 The owner of the company has the right to receive profit in proportion to his share of ownership.

Less words - more pictures.