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
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