People, who live and work in Russia, should think about assets which will generate profit in rubles. In addition to a bank deposit, you can find other instruments which will multiply your savings, hence do not be hurry to save money in a bank. So, what can you invest in?

Currency

Every investor knows that some funds should be kept in foreign currency. Even if you are not going to speculate in currency exchange, it would be a fine way to keep your purchasing power. Experts recommend to direct 20% of the total amount of investments to these purposes. The US dollar, euro, Swiss franc, and pound sterling are usually bought. At the same time, the best time to exchange rubles for the currency is July 2018. You can also trust and predict the analysts who observe that during last three years in spring and summer the exchange rate of the Russian currency to the dollar and euro is higher than in autumn and winter.

Real estate

Foreign securities

The same applies to the REIT investment funds, which purchase, build, and manage real estate objects around the world. The shares of such funds will cost you several hundred dollars. This is a relatively small price. We usually see stable quotes of such funds, since REIT invests in a high number of real estate objects simultaneously. If it fortunately happens to be, the profitability of such funds can also reach tens of percent per annum.

ICO and venture capital investment

It would be wrong not to mention the fast-growing maket of cryptocurrencies. Tokens of several interesting projects which entered the ICO will be an excellent investment. Every year, more and more projects enter the ICO, but not all of them become profitable. Therefore, first you have to study the history of a startup, its prospects, the team's experience. If there is no information available, then you should not be engaged with it. As this relates to extremely risky investments, it is recommended to use not more than 5% of your portfolio for it.

If you choose this way of investing, it is better to avoid those projects which provide their tokens with some real assets (so-called securities). According to the US financial regulator, such tokens are classified as securities, so their sale without an appropriate issue registration is illegal. Pay attention to ICO projects associated with blockchain, payments, currency exchange, and so on.

Short-term and profitable crowdlending

Currently, projects connected with crowdlending and P2P lending are gaining momentum. If you decide to lend a small amount to a private person or a business, then you should use specialized platforms such as City of Money or StartTrack, and also focus on various projects with a profit of more than 20% per annum.

These investments are undoubtedly risky, since in financial troulbes a borrower will most likely not talk about any refund. Therefore, use a small amount, no more than 5% of your portfolio for these investments.