In Russia, only the most conservative assets turned out to be profitable (deposits in rubles and bonds).
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We all have our stereotypes. Someone thinks that it is best to keep money in stocks or square meters. Someone – in cash dollars under the mattress. Someone believes in the long-term victory of gold in these endless investment races. And someone thinks everyone is a fool if they don’t invest in stocks. After all, this is where it is – the real Klondike. But faith is one thing, and dry statistics is another. According to it, the most successful investors last year were those who kept money on … ordinary ruble deposits.
– In 2020 – 2021, the Russian mass investor discovered the stock market, and this acquaintance became extremely profitable – the main part of both Russian and foreign assets traded on the stock exchange grew in price. And the most conservative financial instrument, the bank deposit, is no longer perceived as a means for investment and capital gains. But in 2022, investors in the stock market can only shrug their shoulders and hope for a recovery growth in quotations in 2023. According to the results of the year, the ruble deposit became the leader in terms of profitability, – analysts of the consulting company FinExpertiza state.
They studied the statistics for the entire last year. And they conducted a simple speculative experiment. We invested virtual 100 thousand rubles in several of the most popular financial assets. And we looked at how much each of them would bring by the end of the year. The results turned out to be quite unexpected (see the chart for more details).
In fact, only the most conservative assets (deposits in rubles and bonds) turned out to be profitable. But the rest of the once protective assets have shown themselves poorly. Savings could not be saved either in dollars, or in gold, or even in square meters.
– The most valuable asset for most Russians, residential real estate, in 2022 lost the investment potential accumulated over the previous two years. On average in the market, investments in “concrete” for 12 months, at best, brought near-zero profitability, calculated in FinExpertiza.
Moreover, housing grew well in price until April. But then, due to a sharp increase in the key rate and general uncertainty in the economy, the demand for square meters fell sharply. Therefore, prices began to fall.
Of course, last year you could make good money if you managed to sell stocks, real estate and dollars at the peak. And then invest in a ruble deposit not at 7 – 8%, but at 20 – 23%. Then it would even be possible to double the capital. But… dreams are dreams.
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A photo: Dmitry ORLOV
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