Mission – beat inflation: 5 ways to invest money in 2025

Buying an apartment is one of the most popular ways to invest money in our country. This is not surprising – such investments have significant advantages: firstly, real estate prices have been rising for a long time and this trend is likely to continue, secondly, housing can be rented, thirdly, if necessary, it can be sold relatively quickly.

But there are also disadvantages: buying an apartment is a matter that requires further investigation. You will need to choose between resale and new buildings, think about a suitable location, assess the quality of the building itself, look for tenants, create a “sinking fund” – set aside an amount in advance for repairs the apartment after its use by residents.

This is an incomplete list of things that those purchasing real estate will need to do. For those who don’t want to get involved in all this, there is another option…

Sometimes you can buy your business completely ready-made – with production facilities, premises, a well-working team and regular customers. Advertisements for the sale of such “ready-made solutions” can be found on discussion forums – in particular on the same Avito.

For example, they are now selling a share of the Moscow premium segment brand KChTZ (“Rabbit Knows Something”), which has been producing designer T-shirts and other high-end wardrobe items since 2021. One of the creators of the brand is the famous Russian designer Igor Chapurin, winner of two Golden Mannequin awards. Would you like to become, with him, co-owner of a company with its own production, four brand stores in Moscow and a turnover of 52.4 million for the year 2024? We wouldn’t refuse!

Bonds are debt instruments, much like a receipt stating that you gave someone money and they promised to repay it over time, with interest. Bonds can be issued by the Ministry of Finance of the Russian Federation, constituent entities of the Russian Federation and enterprises. By currency type, bonds are divided into Eurobonds and ruble bonds.

It may seem that ruble debt securities are not the most attractive way to save, since their interest rate is lower than on deposits. However, the rate on the latter could fall, while that on bonds will remain at the level of 16-18%, and therefore constitute a very attractive option over long distances.

Many Russian companies are export-oriented. These are mainly companies operating in the oil, gas and mining, metallurgy and chemical industries. The income of these organizations is generated in foreign currencies, and costs remain mainly in rubles; therefore, fluctuations in exchange rates can lead to increased dividends and an increase in the value of the shares themselves. In general, if you are worried about possible devaluation, exporter securities are a great way to save not only your savings, but also your nerves.

Investing in yourself is one of the best ways to save money: no one can take away your knowledge and experience. Consider investing in education, such as a second degree or courses that will be a great complement to your existing skills. Thanks to this, you can benefit “here and now” from a move to a place with a higher salary. In addition, you will take a new step on the path to personal development, and this is sometimes much more important than money.