You need to look at assets from this perspective: what profit (as a percentage of the current value) do they bring you? And this applies not only to deposits or bonds, but to everything you own. Perhaps it will be more profitable not to service a car, but to sell it and use a taxi or car sharing. Or think about the amount for which you want to rent out an apartment. For example, if an apartment costs 10 million rubles, then renting it out even for 50 thousand rubles a month (profit of 5% per annum) is an economically inexpedient decision. After all, even low-risk investments give 20% per annum at present. The difference is obvious.
Calculate all your expenses in a simplified manner: what you spent over the past year and what you plan to spend in the coming year. We live in conditions of growing inflation, so you need to understand that the ability to save money will decrease. And in order to maintain the previous level of capital accumulation, you need to either review your income and its profitability, or reduce expenses.
3. Assess how regularly it is possible to replenish savings
Regular replenishment is the secret to quickly reaching the oman mobile database level of passive income that allows you to live on interest and not work, that is, at least covers monthly expenses. The simplest thing is to determine the monthly "tranche" that you will send for these purposes. In addition, you can reinvest what you earn on investments - an individual investment account (IIS) is ideal for this, from which it is impossible to withdraw funds for several years in order to preserve tax benefits.
"For monthly expenses, the rational advice is: you receive your salary - send part of it to a separate account on the same day. It's easier for the brain when there is nothing to spend, and it seems to "not see" this money," says the economist.
4. Create a plan by defining your financial goals
There are three main points to such a plan:
starting point - what is now;
finish - what you need to get to;
the actual path is how much you save per month and the expected income from it.
"Let's say the money is in a deposit - that's good. But what if the rate starts to fall? You should have a clear plan of what you will do in that case - for example, consider other investments. The same bonds give 5-7% more per year than deposits. For a capital of 2 million rubles, the difference will be 100 thousand rubles per year," the economist explains.
Is it worth investing in gold in the situation of ruble devaluation and inflation in 2025
Gold is a classic example of an asset that can help in a situation of ruble devaluation and inflation.
Gold is an asset that is sold around the world at more or less the same price and is quoted in US dollars. Therefore, even if the ruble rate falls, this does not affect the precious metal - on the contrary, in this case it may even become more expensive.