Life hack: how to save for retirement, even if it is still far away

1. Invest

bitcoin fallsBitcoin crashed to a new low. Experts called the main reasons / RBC, NFT unstable"The industry won't burst." Why the NFT market began to decline / RBC Against this background, investments in securities seem to be a proven classic. It will be difficult for beginners to figure out the situation on the market on their own, but you can look for a reliable mutual fund. As a rule, such funds combine several instruments in a portfolio at once - if one of them sags, others will help compensate for the fall in its value. You don’t have to keep track of the value of securities - all the worries are taken over by the management company.

2. Invest in real estate

An apartment in Moscow and other megacities is still a good option with which you can receive a stable income from tenants. In 2012, the average square meter of housing costThe dynamics of the cost of housing in Moscow on the chart for 10 years in rubles / Real estate market indicators

a little more than 160 thousand rubles, and ten years later its price soared to 270 thousand. If retirement is still far away, it makes sense to explore the possibility of buying an apartment for rent. But do not forget that real estate is also a constant expense: from utilities and taxes to repairs.

3. Take a look at the gold

It is hardly worth expecting a quick return on such investments, but in the long term, investments in metal can justify themselves. So, for 10 years, the cost of a gram of gold increasedAccounting prices for refined precious metals / Bank of Russia almost doubled - from 1,660 rubles in June 2012 to 3,110 rubles in June 2022. True, you will have to think about storing ingots - for example, renting a safe deposit box.

4. Build a portfolio

You should also keep low-risk instruments in your financial portfolio, such as deposits. The funds are insured, the rates are fixed, and the income is guaranteed. Deposits will become not only a reliable “rear”, but also a stable source of additional income. When the deposit expires, the money, along with accrued interest, can be sent to a new deposit - from time to time, the amount of savings will only grow.

PJSC Moscow Exchange is the operator of the financial platform and provides services related to ensuring the possibility of concluding financial transactions with financial institutions. The first to start providing services to ensure the possibility of concluding transactions with financial organizations for making a deposit, obtaining a consumer loan, OSAGO. The promotion "Bonus + 5% per annum for opening the first bank deposit (deposit)" applies to the first online deposit in the amount of up to 300,000 rubles and for a period of up to three months. The Big First Deposit promotion applies to the first online deposit in the amount of more than 300,000 rubles and/or for a period of more than three months. Valid until July 10, 2022. Bonus up to 5% per annum of the deposit amount is calculated according to the formula: deposit amount x 0.05 x deposit term in months from rounding up to a whole number / 12 months, but not more than 3,750 (three thousand seven hundred and fifty) rubles. Full terms and conditions of promotions finuslugi.ru. In the event of an insured event, the Deposit Insurance Agency will automatically return the deposit amount, including accrued interest, but not more than 1,400,000 rubles.