Vitaly Isakov, Investment Director of Otkritie Management Company, spoke about how to save and invest money correctly in order to survive any crisis without loss. The investment strategist shared his knowledge with the Prime agency on January 25.
According to the expert, in order to be ready for any unforeseen situation, it is necessary to have a monetary airbag. It is better to keep the main part of it in a bank, and the rest in cash in a safe place. To accumulate the required amount, you should set aside at least ten percent of the income received every month.
“In order to have a certain amount on which the family can live for several months, if some unforeseen situation arises, it is better to save money on a deposit or savings account,” Isakov advised.
The expert believes that it is necessary to start investing with the formation of a portfolio diversified by asset classes, which will consist of stocks and bonds. You need to replenish it regularly, regardless of the circumstances.
Isakov also stressed that investing should not be confused with speculation or gambling, because most speculators lose their money.
Earlier, on January 22, financial analyst Mikhail Belyaev said that a bank deposit is the simplest tool for passive income. According to the expert, such an investment is protected by the deposit insurance system through the Deposit Insurance Agency.
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