Photos of day

Date: 2 weeks ago   Category: Finances

Rates on ruble deposits decrease. What alternatives to deposits?


The ruble is stronger and stronger, and profitability on a ruble contribution — is lower and lower. Participants of the market expect decrease in a key interest rate. What to invest money on this background in? Photo: depositphotos.com Ruble sharply grew on July 10 against the background of the statement of the Chair of the Federal Reserve (FRS) of the USA Jerome Powell for risks for the international economy. Dollar exchange rate fell to 72 kopeks, up to 63 rubles 20 kopeks, and euro — for 43 kopeks, up to 71 rubles 16 kopeks, follows from data of the Moscow Exchange. Participants of the market expect decrease in a key interest rate. Possible decisions of the Central Bank were declared by Elvira Nabiullina earlier. Some banks already began to reduce rates on deposits, and probability is high that it will proceed. What alternative can be picked up? Classical option — federal loan bonds. For example, the medium-term option — repayment in April, 2021, release 25205, the coupon is slightly higher than 7% per annum. Of course, it is possible to find similar profitability in some banks and on deposits, but there is a nuance. Before repayment, that is spring of 2021, it is slightly more than one and a half years. Upon purchase of the paper profitability around 7% is fixed. But if nothing changes and the Central Bank will continue to lower a rate, then in a year of a rate on deposits will be even lower, so, in case of extension of a deposit it is necessary to agree to smaller percent. And in a case with federal loan bond the rate will be recorded. If to speak about currency deposits, then the situation is more difficult: rates there almost zero. The Avangard bank, for example, in general ceased to accept deposits in euro. Alternatives for those at whom the small sum speaks the financial analyst Natalya Smirnova, a little. Natalya Smirnova is a financial analyst "If the sum not of 100-200 thousand dollars as usual classical minimum lot for eurobonds, that is options — sovereign small lots, in our market it is Russia-28, Russia-30. Russia-28 bargains with yield to maturity about 4% per annum clean now, since 2019 there is no tax on an exchange difference, that is currency revaluation, and, naturally, there is no taxation of the coupon. That is 4% per annum are clean, in dollars excellent history. If we buy it through the individual investment account, then profitability will be even higher. If the person is not ready to sit till 2028 in bonds and the Russian sovereign of 2028 is afraid to buy now and thinks that money can be required by him earlier, then he can consider eurobonds of our issuers, but not sovereign which bargain small lots too. For example, VEB-20, VEB-23, Polyus Gold, Evraz and so on. On these issuers it is possible to look at eurobonds with small lots too, but there from the coupon there is a tax and there are risks of an exchange difference". For those who want, so to speak, more hotly it is possible to look at ruble corporate bonds — not really long, about three years. There are interesting offers, the investment banker, the financier Alexander Prosviryakov says. Alexander Prosviryakov is an investment banker, the financier "Two bonds which give about 12%, slightly more are evident. It is Rolf which had a scandal recently, it is connected

URL:


Today

just now

From next January all will be able to come and look for work in Germany who have a profession — from plumbers to road builders. Whether it is difficult to find work in Germany? And what "the Russian e...

just now

Last week Naval Forces of the Islamic Revolutionary Guards Corps detained the British tanker. The crew of the vessel consists of 23 people, among them there are Russians. It occurred after Great Brita...

just now

Final part of the main franchize of Marvel studio officially became the most high grossing film in the history of cinema. For updating of a record "Avengers" needed about four months of a hire of the...

37 minutes ago

Five large credit institutions reported about for what sums it was succeeded to prevent plunders for the first half of the year. And the main threat proceeds not from hackers at all, and from bank cle...

2 hrs ago

Last month more than 11.5 thousand DDU on the residential real estate — 54% more were registered, than in May, and it is twice more, than in June of the 2018th. It is the Photo indicator, record durin...

2 hrs ago

The Russian Union of Travel Industry said that if an incident is not exhausted, then the extensive list of unfair hotels will be published. Nevertheless now Russians guess: whether it will manage to t...

2 hrs ago

As raw materials the Krasnodar kind of these insects is considered. It is unpretentious and easily the Photo breeds: depositphotos.com Scientists from the ITMO University work on creation of biologica...

4 hrs ago

Concrete charges are not known so far, the Embassy of the Russian Federation in Italy does not comment on a situation. The Wex exchange was called BTC-E Dmitry Vasilyev earlier. Photo: a screenshot of...