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Trading in the stock market is based on the interaction of three components: analysis, money management and the psychology of trading. The emotional component can both positively affect and lead…

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Root planning problems
The previous statement is based on practice: over the past decade at least a thousand presentations and defenses of business projects have been reviewed, and I have helped many entrepreneurs…

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Own business, we choose the tax system
At the stage of state registration of a business, or after it has been completed, every start-up entrepreneur will have to face the need to choose a taxation system -…

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SOS in financial markets or save your money

How to save your savings? What should a poor Russian citizen who has even a little rainy day money do? In crisis, the answer to this question is very, very relevant. Therefore, try to answer it.
The very first and most important task in a crisis is not so much to earn as to save. Remember – save !!! And if you save, you need to look for the most reliable assets. Unfortunately, the ruble has completely discredited itself over the past year, and the instability and volatility that is observed now in the foreign exchange market only leads to one single recommendation – in rubles now, unfortunately, nothing can be stored. Nothing is impossible! We must learn well the lessons of the 98th year and 2008-2009. Do you think that 80 rubles for a dollar is a lot, and there will never be 100 rubles? You are greatly mistaken.
Remember the words of the Central Bank Chairman Viktor Gerashchenko, uttered by him in 1994, when he gave a hand to cut off that the dollar rate would not rise (then the rate was 2,000 rubles per dollar). A month after these words, the course rose to 4,000 rubles per dollar.
Recall the words of the Central Bank Chairman Elvira Nabiullina, uttered by her in the spring of 2014, that those who bought a dollar for 36 rubles each will regret it. And six months after these words, the dollar reached a mark of 60-70 rubles for one US monetary unit.
Therefore, do not trust anyone and believe only your eyes. Believe prices in stores and the amount of money in your wallet. And it is clear that neither the first nor the second inspires us with optimism. And then it will only get worse. Even members of the Russian government are already talking about this. What’s worse? And again we recall the 90s and 2008-2009. After all, there may be hyperinflation! Does anyone remember what it is? The youth probably no longer exist, but older people should remember the “glorious” times of the early 90s, when a loaf of bread today costs 10 rubles, tomorrow — 20, and the day after tomorrow — already 50. And what will you do with your rubles then? Where to run? What to buy?
Therefore, the main investment advice for 2016 is to get rid of rubles. Let you have a minimum stock of rubles on your hands – only for food and essential items for a month or two and no more. And the rest is first of all currency as the most liquid financial asset. I understand that not everyone in Russia can afford it, but still we are talking about investments and saving our money, and, unfortunately, it is the currency (dollars, euros, Swiss francs, British pounds, and in the Far East – Yen and Yuan) is now the main tool that will help you successfully survive the crisis. And there is simply no alternative to this under current conditions.
Let you have a minimum stock of rubles on your hands – only for food and essential items for a month or two and no more. And the rest is first of all currency as the most liquid financial asset. As I said, forget about any ruble instruments. This applies not only to risky instruments such as Russian stocks, but also fully applies to Russian bonds denominated in rubles, as well as ruble bank deposits. The current bank rates on deposits of 10-12% do not correspond to the level of risks that exist in the Russian economy. What will you do with this money on the deposit, when the prices increase by 50 percent and the dollar rises 4 times?
Of course, there is also gold. But we must remember that gold in itself is not very liquid. Buying it, you pay 18% VAT, and then it will be very hard to sell it, most often you have to sell with a very large discount. In addition, it is necessary to store it somewhere else! So, gold is only suitable as an investment tool for a rainy day – such as events of a century ago. But I hope that we will not get to such ruin and such fratricide! And so you need to be careful with gold. Gold, of course, attracts us, but it is also easy and deceive us.

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