6 proven ways to keep inflation from eating your money

Because of inflation for the same amount, you can buy less today than you did some time ago. Every year the inflation rate in Russia changes, the official figure Annual inflation in Russia slowed down to 2.8% now 2.8%. But by the end of 2020 it is expected What inflation will be in Russia in 2020 an increase in the depreciation of money up to 4%.

Moreover, the inflation rate will be different for each person. It depends on the category of your purchases and expenses. Even if the country has a general inflation rate of 2% per year, your own rate may be, for example, 8%. This means that even if you do not spend anything, you will still lose part of the budget in a year simply due to inflation. Protecting your capital from depreciation is not as difficult as it seems. Here are six methods that work.

1. Bank deposit in rubles

Classic placement of funds at interest. This method is convenient for its simplicity: you take the money to the bank and choose a format convenient for you.

Term deposit - funds are placed for a fixed period, say for 6 months or a year. You give the money to the bank, and then you choose: receive interest every month to the account or wait for the final amount with an increase at the end of the term. If you close such a deposit earlier, you will not be able to take interest.

Demand deposit - you place money in the bank, receive interest and can withdraw everything at any time without losing your savings. This can be convenient, but the interest on such deposits is usually lower: the bank cannot predict when you will want to withdraw your funds, so it cannot offer high returns.

Deposits up to 1.4 million rubles have a great advantage - they are insured Federal Law "On Insurance of Individual Deposits in Banks of the Russian Federation" the state. This means that you can get this money back even if the bank goes bankrupt. If you have accumulated more than this amount, it may make sense to divide your capital into several deposits. The list of banks with secured deposits can be viewed at website Deposit insurance agencies.

Interest on deposits varies in the range of 4-7%. You won't be able to earn a lot on a small amount, but even this will be enough to cover the general inflation in the country.

2. Multicurrency deposit

It's banking a deposit consisting of accounts in different currencies. For example, in rubles, euros and dollars. It will help protect money not only from inflation, but also from currency surges. Let's say you save up for a German car and keep your savings in deposit. A sharp depreciation of the ruble will lead to the fact that the price of a car in euros will not change, but the purchase will become more expensive for you in rubles. If you keep your savings not only in Russian currency, you will not feel the difference in price. As a rule, your funds within the deposit can be freely converted into different currencies. If you are guided by the economic situation, you can also earn on the difference in exchange rates.

As a rule, accruals are made separately for each of the currencies. The disadvantages of such a deposit are lower interest rates than those offered for ruble deposits. It all depends on the particular bank, but multicurrency deposits rarely bring more than 5%. If the stability of savings in different currencies is more important for you than a few percent of profitability plus, such a deposit will cope with this mission.

3. Gold

This is not about jewelry, but about living preciousmetal, for example in the form of ingots. Gold is an unusual investment tool, but it helps to save money in the long term (over a year). The biggest advantages of precious metals are stability and security. As a rule, in times of crises, investors buy gold more actively than stocks: it retains its own value even when currencies and securities lose it. A stock can turn into an unnecessary piece of paper, but gold cannot. The price of precious metals remains approximately the same, but in recent years there has been Gold price history small growth.

Limitedness of gold as an asset - low liquidity. Such bars or coins are difficult to sell instantly at market prices. But this issue can be solved if you invest with the help of OMS - an impersonal metal account. This is the bank account where the metal purchased from the bank is placed. In this case, you can quickly exchange the accumulated gold for money. You don't have to invest all your money in gold at once. You can store a financial cushion of 10% of your savings in it to use them in old age.

4. Mutual funds

A mutual investment fund is a kind of collective wallet. Investors transfer money to the company that manages the mutual fund, and she invests it at her discretion. You do not need to understand stocks and the market situation: financial specialists will determine the most profitable and reliable assets themselves. As a rule, you can become an investor in a mutual fund even with a small amount, invest at least 1,000 rubles.

You can choose the specialization of mutual funds: some work only with precious metals, others invest mainly in securities of the oil and gas industry, and others are universal. To withdraw your savings and exit the mutual fund at any time, give preference to open-ended mutual funds. In interval funds, shares can be sold only during certain periods. And from the closed ones, you will get money after the expiration of the fund. You can buy shares online: it's as easy as buying a plane ticket.

5. Investment life insurance

This tool is an opportunity to protect yourself and your loved ones from spending if something happens to you, and to protect money from inflation. Investment life insurance works like this: you conclude contract with an insurance company and let her take control of your finances. After the agreement expires, you receive money and savings. The latter are divided into two parts: guarantee and investment. The warranty part is your money back. Investment - additional income that has accumulated if the situation in the stock market was favorable.

Insurers can offer you two programs: aggressive and conservative. In the first case, they will invest in riskier stocks with a high level of profitability. In the second, they are stable and low-income. It's up to you. It should be remembered that, unlike bank deposits, investment life insurance is not protected by the state. If something happens to the company, you can lose money. Therefore, it is worth investing in WIS only with the help of large and proven market players.

6. Reliable securities

In the field of securities, the main investment law also applies: the higher the yield, the greater the risk. If you have no experience in this area, it is better not to try to assess the potential of companies by eye, but to start with the most reliable options. The most stable securities are government securities - federal loan bonds (OFZ). They may not bring a lot of income, but at least they will help defeat inflation and not lose savings.

They work like this: the Ministry of Finance issues bonds with a certain value. By buying a bond, you give the state the right to use your money, and in return it returns you the money spent with interest. Typically, OFZ earnings do not exceed 7%. A safe investment is considered preference shares - such securities for which dividends are known in advance.

PJSC "AK BARS BANK". General license of the Central Bank of the Russian Federation No. 2590 dated 12.08.2015. Detailed information on the website https://go.akbars.ru/aurum.