The best interest on deposits. In which banks are the highest rates on deposits. How to close the account in alpha bank

Currency number 1 - Euro

Turn to the story. In 2002, the euro crossed the mark of 30 Russian rubles. In 2004-2005 was at about 35-36 rubles. In 2008, he granted a crisis, and as you remember, at the end of the year, it was already 40 rubles, and all 2009, the course was kept.

Currency number 2 British pound

Currency number 3 Swiss franc

Why isn't it # 1?

Investment in PAMM account

Amarkets.

To date, a large number of investors think about where to invest dollars in Russia. There is a lot of options. However, in order to diversify their risks and in a short time to increase its income, some depositors are thinking over investments in Haip. Today we will consider this type of capital investment and will deal with what is this financial instrument.

Haip - this is investment productwhich offers high income in a very short time. In essence, this is an ordinary financial pyramid in which payments to subsequent investors are paid at the expense of the invested funds of previous investors.

The founder of Haipov is Italian Charles Ponzi. It was he who in 1919 was beyond the feature of poverty, led $ 200 from a familiar person and opened the excise tax company. The essence of the work of this company was that they gave money for debt receipts. As a result, for one quarter, Charles Ponzi received an income of 50% of the initial amount. At that time, it was a tremendous success.

Despite the predicted cloudless future, this did not happen. Soon the financial pyramid collapsed, the depositors lost all their savings, and the founder himself was in prison for five years.

Where to invest dollars in Russia and not lose their investments?

On the territory of the former Soviet Union, Hypi became popular in the 90s. Surely, everyone remembers the advertisement on the slogan "buy his wife's boots." The most famous pyramid was Mmm, where the chapter was the world-famous fraudster-jam Sergey Mavrodi..

This organizer came up with various schemes of Haipov, created shares and sold people. At the initial stage, a rather many investors were enriched with MMM. At this stage, a shedron radio, which increased in geometric progression, began to work.

In total, the company "MMM" has worked for about six months. After that, Sergey Mavrodi was arrested. The most terrible thing is that about 15,000,000 investors suffered from the activities of this fraudster. To all this, this figure is trying to create new financial pyramids at different countries And people still invest money.

Haip is designed for real risk and adrenaline lovers. It cannot be said that all types of this financial instrument imply a "scam" and not paying money. You can earn in highups. To do this, you need to choose the most stable company, which was just recently created. Only in this case, you can get something. However, it is also possible to get out and sell all excise taxes. If this is not done - "cried" your deckures.

Despite the many negative feedback on this financial instrument, all over the world there is simply a volatile number of such pyramids. Based on this data, all Haipes can be divided into several categories.

• How to invest in currency, Forex and not lose

  The term of operation is quite small, but the yield is about 60%;

medium-term Highypes live about one block and income is 30-40%;

long-term projects exist from two to five years. The yield is about 25%, and the risk is several times less.

It is most profitable to invest in long-term projects, but for this it is necessary to understand which financial instrument is so and how not to get into the prosk. For this you need experience. It is also worth remembering that to invest in the initial stages, listen to the opinion of experts and other participants of a particular company.

Of course, Hypi should not choose to obtain a permanent profit or to invest the entire amount of capital. Due to high percent and a short time, they do not slow down and are becoming increasingly popular. However, the risk is incredibly large, but on the other hand, all types of investment have negative situations of this kind. Therefore, if you think about where to invest dollars In Russia, it is worth thinking about Highips. Inserting a very small amount, you can make money very well on it.

Sincerely, team Mikhail Arslanov

The issue of money investment is always one of the most relevant among the population, since everyone wants his money to "worked" and no one wants to lose this money in any way.
Experts allocate several categories of investors:

Conservative investors prefer the storage of money in a bank, for them the main principle is not to increase the money, but to preserve them. IN this case The missed income is easier to perceive than a direct loss.

They are they who keep all their money in national currency.

Moderate investors prefer to maintain about 50-70% in the bank all amounts in national currency, and the rest to distribute foreign.

Investors ready to risk in banks hold at all the amount intended only for force majeure, and the rest of the amount is distributed through currency deposits and deposits, in foreign wage.

Worth the question: "What currency to invest?", First of all, should determine the financial goal of investment, for example, to buy cottages, houses, cars, as it determines what currency should invest. And on the line of investment, it will depend on what is better to invest money.

Currency number 1 - Euro

According to the CIS countries, the euro shows a stable, confident position of the course to national currency. Euro is steadily growing from year to year.
Turn to the story.

What currency is it profitable to invest money?

In 2002, the euro crossed the mark of 30 Russian rubles. In 2004-2005 was at about 35-36 rubles. In 2008, he granted a crisis, and as you remember, at the end of the year, it was already 40 rubles, and all 2009, the course was kept.
From 2010 to 2012, the course was reduced to 38, it was raised to 42 rubles.
And in 2014, a new frontier is taken - 1 euro \u003d 50 rubles.

Currency number 2 British pound

Stable, the British pound love all over the world for stability. During the crisis in 2008, the currency fell slightly, but by 2010 he returned the previous marks 47-49 rubles for 1 pound. In the summer of 2012, a new mark of 50 rubles is taken. And in 2014, already 1 pound \u003d 60-62 rubles.
The complexity, for the inhabitants of the CIS countries, in the choice of deposits of this currency is simply huge, or rather, there are practically no. They simply do not accept. But there are alternatives about which is slightly lower.

Currency number 3 Swiss franc

In 2008, the Swiss Frank showed an increase in the economic crisis, thereby stepped over a mark of 30 rubles. In 2012, the middle course was 33 rubles. In 2014, overstated the bar in 40 rubles.
The dynamics of the Swiss franc, as currencies, is very similar to the British pound, that is why it is located on the position right behind it.

Currency №4 - American dollar

Why isn't it # 1?
This is the currency of one state
Constant economic news about devaluation, issues in the US economy and the credit sector
80% of investors open currency deposits in dollars, which is not very good
Since 2008, he kept at the level of 30 rubles, until the end of 2013, when began to grow. Now the course is about 35 rubles.

Currency # 5 - Russian rubles, Ukrainian hryvnias, Belarusian rubles and other CIS

It is dangerous, very dangerous, since the domestic market depends on the euro and the dollar, so our national currencies fall.

But how to open the right currency deposit?

In our usual banks, in no way. The exchange deposit rate is usually 2 times lower than in national currencies.
Which exit? Of course investing online

Investment in PAMM account

If we talk about what is the essence of the PAMM account, everything works as follows: you pass in trust management a certain amount of money by some successful traders who will turn their and your money on currency marketAs a result, the profit will also have you and they.
Undoubtedly, there is some risk in such an investment, however, the profit here will be higher. If you choose a successful and stable trader, you can achieve 200% per annum.

Amarkets.

Excellent company that accepts deposits in foreign currencies. The yield can be 4-10% per month (40-70% per year as a rule). Right choice.

Want to find out how much I earned this month on investments? Read the monthly income report for September 2018. I could, you can and you!

What currency to keep money in 2017

If you have enough large sumwhich you would like to put on the bank account, you need to decide on what currency to keep money. This question is not easy: past crises in the global economy only proved that none of the currencies previously considered reliable can serve as a guarantor of 100% of the preservation of funds. Wave of devaluation (not only in Russia), rolled through the CIS countries. The currencies of most countries are decreasing in relation to the US dollar against the background of the beginning of the interest rates cycle by the Federal Reserve System. What does this mean for us? What solutions should be taken to keep the purchasing power of your savings?

What to keep money in 2017, you must decide even before making a contribution to the bank. To do this, it is enough to carefully look at the behavior of currency exchange rates recently and the economic situation as a whole.

Consider the position of currencies at present and prospects.

Does the money in rubles?

As before, the ruble is not considered the most reliable currency for storing a large amount. Unfortunately it's true. Despite a higher percentage, which offer banks on deposits in rubles relative to solid currencies, the ruble is subject to greater inflation, and its size depends largely on the economic situation in the country.

In 2017, most likely, we will see a small increase in the Russian economy after a two-year decline. In addition, the rigid monetary policy of the Central Bank gives its results: inflation decreases, and the goal of 4% does not seem so unattainable. What does this mean for the ruble? Greater stability of the course as the demand for russian currency Must increase: most of those who wanted to buy a foreign currency made it in 2014-2016. External debt continues to decline, and the sanction rhetoric seems to be softened.

Most likely, the year for the ruble will be better than in the previous two. Nevertheless, no one canceled the old folk wisdom is not to put all the eggs in one basket

Does money in dollars?

The position of the US dollar as one of the main international currencies depends on the situation in the global economy. First of all, from the situation in the United States of America. More recently, some analysts predicted the loss by the dollar of their role global currency, which affected the attitudes attitudes. Nevertheless, it is in this currency that the world's largest world investors prefer to keep money today. Moreover, with the beginning of the US FRS promotion cycle interest rates, there are serious expectations to strengthen the dollar to other currencies, many analysts expect parity from euro in 2017. And although the US currency began to strengthen back in 2014, but the process may continue in the current, up to the end of 2017, depending on the pace of restoring the American economy and, accordingly, rates rates. We have already witnessed the explosive growth of the dollar in the fall of 2014. Then there was a high volatility of 2015 and early 2016: the dollar in January 2015 is rapidly becoming more expensive (70+ rubles for 1 US dollar), then the course is lowered to 49, then in December 70 again, and in February 2016 it comes to almost 80 rubles, to fall to 61-62 rubles by the end of the year, those who succumbed to panic and bought a currency at the high rate, and sold low, lost money on these operations.

In 2017, the course will also change, so do not hurry with the exchange (both purchases and selling). Much will depend on oil prices, which stabilized the level of $ 50-55 per barrel. In case of reversal of oil prices, the ruble has every chance to strengthen. Experts do not expect a cutting devaluation of the ruble this year regarding the dollar or euros. There is a chance that the ruble rate, on the contrary, is slightly strengthened, or will remain at about the current level of 60-62 rubles for 1 US dollar.

Do you keep money in euros?

The economic situation in Europe continues to remain unstable, the ECB continues its policies of ultra-low interest rates, and the euro is still quite a row (in two years european currency Faised relative to the US dollar by more than 30%). Probably, in the first half of the year, the euro will be under pressure, but the further course will depend on the actions of the Evrousss.

What currency to keep money in 2018

It is possible to achieve parity with the US dollar already at the beginning of the year, and by the end of the year the course can be recovered on the expectations of tightening credit and monetary policy by the European Central Bank. low rates It can not last forever, and the Fed of the United States has already begun the process of normalization, followed by the Central Bank of Japan, and for them and the ECB.

Probably, in the first half of 2017, the US dollar will be preferable to the euro, since the repurchase program of the European Central Bank, and in the United States, on the contrary, began to tighten monetary policy. Against the background of this process, the dollar looks preferable because debt toolsnominated in the US currency (first of all, it is the Trezharis of US State Blinking), will use the increasing demand among major institutional investors, and therefore it will provide and demand for the currency in which these issued securities (In fact, before buying them, banks, funds and investment companies need to exchange the same euro, taken almost under the zero rate, on dollars). In the second half of the year, the situation may change to the opposite.

Nevertheless, it is not necessary to try to play this forecasts much easier for a private investor simply proportional to distribute free cash in both major currencies, as well as in the main currency of consumption (for residents of Russia it rubles).

What contribution is best to do?

At the moment, the best option will be the distribution of funds in certain pieces between dollars and rubles. Ruble contribution will be able to bring maximum incomeIf inflation does not increase its pace (which is less likely), and the dollar will protect your financial position from shocks in the Russian economy.

Another question is whether to exchange rubles for dollars now, or wait for the most favorable course? Everyone decides for himself, but it is worth paying attention to how the ruble rate towards the American led himself in the past years: it fell, then grew up, and again decreased against the background of the possible restoration of oil prices, there is a chance that something like this will happen again And in 2017 (though, on a smaller scale, that is, the expected lower border at the rate of the ruble / US dollar is not 49-50 rubles, but rather, 55-58 rubles, and the upper up to 68-71 rubles). If a year ago ruble supported high interest rates, now they have declined, and will decline further. On the other hand, this process must support the economy and give it the opportunity to demonstrate albeit little, but all-so height in 2017 it will be a positive signal for both external and internal investors, and for Russian currency.

What bank to keep money in?

As with the choice of currency, you have two options: the most reliable and most profitable. Those who want to protect themselves can choose one of the most profitable contributions in Sberbank. The Bank offers not the highest interest rates on deposits (no more than 8% per annum on deposits in rubles maximum sum And the term), but is able to keep your money even if any shock happens in the economy.

Well, keep money in a savings office reliably. But I want to get a higher percentage for those who are confident in future stability and wants to get the greatest income, Alfa-Bank and other large credit organizationsoffering rates up to 8-9% per annum in rubles and 1-2% in currency. The hit of 2017 is likely to become OFZ.

Deposits in foreign currency are also able to bring greater income, in the event of a further weakening of the ruble exchange rate, but it should be noted that the state is insured only to 1.4 million rubles (or its equivalent in foreign currency), and if you want to invest big money, it is better to bet on the most reliable financial organization. Moreover, we all last year have witnessed loud reviews of licenses in quite large banks.

2017, according to analysts, maybe still full of surprises (remember at least, as the price of oil and the ruble exchange rate to the dollar and euro behaved at the beginning and at the end of last year), therefore it is not necessary to rely solely on one type of investment, one Currency and one bank. It is possible that it is possible to pay attention to the Russian stock market, which in 2014-2016 provided interesting opportunities (for example, the shares of exporter companies receiving revenue in foreign currency; at the end of 2015 he pleased investors and Sberbank of Russia, whose shares shot on Several tens of percent for a month, and in 2016, the stocks of power engineers went up by more than 100%, in individual companies up to 200-300%).

What currency keep money besides rubles, US dollars and euros? Some experts advise to pay attention to the Singapore dollar and deposits in Japanese yen, as well as Chinese yuan. However, such deposits offer only a small number of Russian banks. Also interesting may be false a pound sterling, strong Swiss franc and Danish crown. However, to keep money in the currency of these countries can only be recommended by experienced depositors who are well presented the advantages and disadvantages of this kind of investment.

Some of the most popular ways to save and increase personal Capital You can call the purchase of real estate and convert ruble income into US dollars. What option is better to give preference and what is more profitable: invest in real estate or dollars?

The US dollar is one of the most stable world currencies. But no one is taken to do forecasts and guarantee the same stability in the long term. Purchase of cash currency and place it on bank deposit is an good option Conservation money With devaluation. Despite the fact that on ruble deposits banks offer higher interest rates, deposits in US dollars remain stably popular. This can be explained by the devaluation of the ruble: deposits in national currency allow you to save money, but do not increase.

Many experts advise to give preference to the dollar, but only in the short term. In the long run, the US currency cost may fall for the following reasons:

• Huge state debt country.
• The dollar growth was due, among other things, the actions of the exporting countries that are beneficial to the cost of their national currency.

For savings and receiving income in the short term, it is impossible to be a panic and buy dollars at the peak of growth. This also applies to reverse conversion. In addition, it is worth carefully follow the fluctuations in the foreign exchange market and the factors that affect it, for example, oil prices.

In any case, you should not store US dollars under the "mattress". Attempts to earn solely on the growth rate are not always good. The easiest option is to place money on the deposit. More revenue, but also much more risky are operations on foreign exchanges.

If the choice was made in favor of foreign currency, it is better not to buy exclusively dollars. It is better to diversify a portfolio at least buying the euro.

The situation in the real estate market is assessed by many experts as stable with a tendency to increase. In the long run, real estate remains an attractive direction for saving and increasing capital.

Today, one of the promising investments is considered to buy real estate at the stage of the pit for subsequent resale. To minimize risks, it is worth paying special attention to the choice of the developer and a specific object.

A good income can bring a purchase of one or several small apartments in the cities where the promising situation in the labor market. The area needs to be chosen with good transportation and infrastructure. Such objects are popular for renting.

What to choose?

If we talk about the choice between US dollars and real estate, then the profitability of the first or second option should be considered separately in each case.

Real estate preference is worth it if:

• Money can be investing for a long period.
• There is confidence that there will be no need for their urgent cash.
• There are relatively large capital that can be disposed of at the same time.
• There is no possibility and knowledge to work in more profitable and risky investment areas.

Buying US dollars will be interesting if:

• Money must be placed on a short time.
• The initial amount of savings is small.
• Important fast liquidity.
• It is possible to replenish savings.
• There is an understanding of causal relationships in the foreign exchange market.

In any case, if the amount of money allows, the savings are better to diversify. This will help reduce the risk of loss and increase income.

In which currency is better to store savings in 2018 - the Council from the Minister of Finance A.L. Kudrin. What currency is better to invest rubles in 2018

What currency is profitable to invest in 2018: an overview of options

Invest Writing, Friends! I am often asked what currency to invest your blood earned rubles. Dollar? Euro? Yuan? Or maybe - generally risk and put everything on Bitcoin? Let's deal with.

Dollar

Perhaps the most popular answer to the question of which currency in 2018, which is given all experts is the dollar. In fact, he convincingly grew up the last few years ...

Although not. Stop. This is not a dollar grew. This ruble fell. Now the "wooden" stabilized, but the position of the dollar, on the contrary, is quite unstable.

Causes of America's weakening:

• huge ... no, hustled US debt;
• strengthening other currencies - in particular, the euro and yuan;
• weakness stock market US and the whole American economy as a whole;
• the presence of alternatives - can be calculated in bitcoins, for example, or directly in national currencies, bypassing the dollar.

And in the end, everything is simply tired of the hegemony of the dollar. If the world powers have the opportunity to lie to a big brother - they will not melted their own. Consequently, in perspective, the dollar can collapse.

Of course, this will happen today and not tomorrow, and it is unlikely that in 2018. But in the next 10-15 dollars, most likely, the end will come.

But this is not exactly - I am not Wanta.

However, reflecting, in which currency it is better to invest, I would not buy an exclusively dollar. There are other options - more promising.

Euro

After the descending rally of the euro during the Greek crisis, many fear to invest in a single European currency. And in vain. Euro rushing up. If the hegemony dollar will end, then the position of the leader may well take European.

If you distribute your currency assets "according to the classics" (ie, the ruble, euro and dollar), then highlight the euro most in your portfolio. It is possible, for example, even 40-50%.

Economy is restored in Europe, no nearest fever is expected. Real estate crisis in Spain and Portugal, Greek default, Brexit - all this euro survived. And all that does not kill us - makes us stronger.

Yuan

This is a new promising leader. Thinking in which currency to invest rubles, be sure to pay attention to the "Chinese". Russia, by the way, sells trade with the Middle Kingdom in national currencies. This means that Yuan's way on russian market will be open. In the Far Eastern regions, by the way, Yuan and the yen are already familiar, both in the middle lane of Russia and the euro. Soon such fate can comprehend the rest of the country.

In addition, the Chinese economy is gaining momentum. If the government does not deliberately "drop" the course (and so they sometimes do), then the yuan will grow. And therefore, if you think, in which currency is profitable to invest money - think about Yuan. In the next 5-10 years, its popularity, and, accordingly, value will grow.

Yen

Abaneika (if you do not know what it is to google, the cool thing 😉) gives its fruits. But the yen still grows slowly. You can say just hanging out.

Although it is better than the falling ruble.

But if you think what currency to invest money, I would exclude Ien. She has a growth potential, but currency restrain. And all for the growth of Japan's welfare. While the economy in the hard hands Abe, the explosive growth of the currency is not seen.

Swiss frank

After one FINTA, when the Swiss Central Bank arches the franc binding from the euro, having collapsed the national currency and thorough thousands of brokers and provoking the wave of heart attacks from traders who did not close the transactions in time, the currency is not very trusted.

But in vain.

Now the franc does not threaten anything - at least in the foreseeable perspective. All the worst with him has already happened.

But it is not necessary to count on permanent and stable growth. Especially - to keep money in the Swiss bank with a negative key rate.

If you think, in which currency it is better to put rubles - prefer the other.

British pound

But this is the most ice. Before and after Brequit, the pound did not sell only the lazy. Or one who was not aware. Or one who had no money.

But now the British economy works as it should. And if you look for, in which currencies in 2018, then put in a pound. He grows.

In the end, the Briton is traditionally opposed to the euro. Suggest risks - if the euro falls, the pound will start growing. And vice versa.

Bitcoin

Agree, considering the topic in which currency to invest in 2018, it is impossible to go around and crypt. In Bitcoin himself, in my opinion, to invest is useless. So quickly and so rapidly he grows hardly. Euphoria passed, serious investors came to the market - as a result, the price was more or less fixed (if the fixation can be called "swing" in 2000-3000).

The volatility of the ball is still huge. And if you trade with the shoulder - will make it most likely. Therefore, invest in it carefully. And carry only those money that is ready to lose.

In general, it is better to invest in alternative cryptocurrencies that have greater growth potential.

Conclusion

So, summarize which currency is better to invest. An excellent option will be the traditional trio - the dollar, the euro and the ruble, but the emphasis will be shifted towards the euro. Pound sterling and cryptocurrencies have growth potential. You can play with the Swiss franc. In the future, the yuan is growing - but FIG knows when it will definitely. If you want to be the first, you can slowly buy it. But investment in Yena, belarusian ruble And Swaziland Lylantangeni is better to avoid. Grow something there or falls - it is not clear.

Read more:

alfainvestor.ru.

What currency to keep money in 2018

12/06/2017 Comments: 0

On the eve of 2018, among the population, the question is still relevant, in which volunt is better, or rather it is more profitable to keep money.

The Central Bank and the Russian government suggest that it is fairly beneficial to keep money in national currency, that is, in rubles. Because inflation has slowly slowed down. It is noted that the dollar will continue to grow, but the euro is quite unstable.

Analysts advise you to take into account the trends in the coming year to choose the right currency for your own savings. In the coming year in connection with political and economic factors Serious course oscillations are expected. And top positions as always can quickly change.

The US currency will continue to grow, as experts predict in this area. In the United States of America macroeconomic indicators It is suggested that unemployment will go to the long-awaited minus, and economic growth in Plus. The key rate will be strengthened, which will be favorable at raising the price for the American dollar.

The current politician in the United States, Donald Trump is quite unpredictable in its management. Therefore, such a policy affects the price of American currency. Here, of course, remains open and an important question About the future format of trade relations with the Middle Kingdom, that is, with China.

As for the European currency, the main problem remains instability. This, of course, can not not scare investors. Significant political risks, it is possible to lead to the next decline in the price per euro. Although the economy in the European zone is trying to maintain a positive trend. But nevertheless, the situation in the banking sector continues to be at an extremely unstable level.

Good forecasts for the European ruble will be implemented if it is entrenched in leading positions in relation to other currencies. A positive program for him will also be a successful election in France and Germany, and the resolution of controversial situations with Brexit.

Russian ruble invariably directly tied with "black gold". In the event that the quotes in the oil market will go to an increase, it will have a positive effect on strengthening the positions of the domestic currency against the dollar and the euro. But it is unpredictable that the opposite scenario can be played, in which oil prices will decline.

Everything else, positive moments are visible. The rate of inflation on the decline, which increases the profitability of ruble savings. Yes, and the government presented new economic instrumentswhich will increase the return on investments.

Having considered these trends of the upcoming 2018, Alexey Kudrin expressed his opinion on this. It offers a distributed (scattered) approach. That is separation own funds on deposits in rubles, euros and dollars. Also a fairly favorable tool steel, not so long ago introduced, "folk" bonds. If you follow this advice, then the average annual income may be at level 8 and even 9%.

Some experts are burning that the ruble is actually the safest currency in the next year. Deposits and accumulations are maintained from the depreciation by constant reduction in inflation. Yes, and banks now offer interest, which are higher than the inflation index. Therefore, deposits in rubles will be able to bring good benefits.

In general, it can be concluded that the correct, delighted approach to this issue may bring good dividends. And in no case should not make reckless solutions.

The optimal, developed by specialists the deposit model looks like this: a dollar is 40%, the euro - 30%, the ruble - 30%.

And how it will be better, it is entitled to solve each for himself.

In contact with

Odnoklassniki.

anton-Vorontsov.ru.

Hello, dear readers blog FireLinks.ru. We continue the series of articles on the topic electronic currency. Today I prepared you to analyze the fluctuations in courses and the situation with various top currencies on the market. In the article you can learn how one or another currency behaved during recent time to predict the situation in the future.

Investments in cryptocurrencies can bring multiple income, without requiring any particular effort. However, given their risks and permanent fluctuations in the market, approaching investments in cryptocurrencies is needed with the mind. The decision on which cryptocurrency in 2018 should be based on the analysis of the existing trends and the potential of coins, otherwise the investment will turn into a banal lottery.

Cryptovaya: What is waiting for her in 2018-2019

Cryptocurrencies were able to surprise the world more than once during 2017, but even after that, not everyone believed in their future. Against the background of a recent deep correction, critics were revived, claiming that the Bitcoina soap bubble burst, and no more speculate on cryptocurrencies would not work. However, many factors talk about the opposite, and most experts are inclined to the fact that the next growth will be.

Among the reasons for the fall of Bitcoin, at the beginning of 2018, they are primarily called, first of all, the overbought of the market, which came after a sharp rate of the course up. Also on the fall influenced the negative news about the regulation of cryptocurrency in different countries. But these factors are short-term. To the question that will be with Bitcoin in the near future, experts promise growth.

If we talk about prospects for a year or two, the opinions of experts differ. Saxo Bank believes that Bitcoin will continue to grow until the end of 2018, reaching 60 thousand dollars. However, already for 2019 this forecast promises no more than a thousand dollars - mainly due to the activities of Russian regulators and China.

If all the factors are grouped, most of all in 2018-2019 will affect cryptocurrency:

• Legalization processes in the countries of the world. Not the last role is played by Russia here, which occupies the fifth place in the world in the number of users cryptocurrency. If the plans of legislators on harsh regulation, taxation and prohibition of free turnover cryptocurrency will be reality, it will certainly be displayed on the situation around the world.
• Introduction of state cryptocurrency. Such plans with varying degrees of their implementation exist in Russia, Venezuela and many other countries. Undoubtedly, the emergence of competitive coins supported by governments will greatly affect the market.
• Expansion of the use of the blockchain in all spheres. If about cryptocurrency disputes still go, then the blockchain itself is widely used in all sorts of spheres. This can not not affect the reputation of cryptocurrency.
• Use as a payment agent. Already, many cryptocurrencies, such as ZCASH or BITCOIN CASH, are positioned as first comfortable tool Daily payments. As soon as society and entrepreneurs accustomed a little bit to cryptocurrencies, it is the real turnover that will become the basis for their liquidity and a stable course.
• The problem of hacking and safety for the cryptocurrency exchange and individual coins becomes relevant now. Every scandal about theft is noticeably beats at the rate, and with this you need to do something.
• Futures for Bitcoin and Altcoins. In addition to providing liquidity, they will help attract institutional investors.
• Haip subsides a bit, which will reduce the number of unqualified investors.

Another significant tendency is to reduce Bitcoin's influence on altcoins. Many currencies managed to make themselves a good reputation and cause investor confidence. Therefore, next to the old trend, when the falling Bitcoin pulled all the other currencies, a new one appeared. Now, with a decrease in the Bitcoin course, many temporarily move their capital to altcoins, thereby holding their course.

Which cryptocurrency in 2018: expert reviews

Although some declare that the train of investing in Kripto has already left, even now it's not too late to enter the market from scratch. But a huge amount of cryptocurrency makes you think about which investigate money. Consider the most promising coins for investing in 2018.

Investing in market leaders

This strategy means contributing to the most famous cryptocurrency with great capitalization. Its main advantages:

• good currency reputation;
• the ability to analyze the course for a long time of existence;
• known information on developers or currency people;
• quotation on all stock exchanges and easy exchange for Fiat.

№1. Bitcoin and Bitcoin Cash

Height for 2017 (BTC): 1540%

Bitcoin is an indisputable market leader, in many respects defining general trends for all currencies. According to the consulting companies Fundstrat and Standpoint Research, the alleged stable growth, up to 2030 makes bitcoin at least favorable object Investing than gold, and investments in Bitcoin will bring money in the future. If you buy bitcoins seems to be a costly contribution, you can buy several hundred or thousands of Satoshi.

Now there is an improvement in Bitcoin blockchain, including by introducing a protocol that can make transactions faster and cheaper. This should have a positive effect on the stability of the course and the amount of capitalization.

The appearance of Bitcoin Cash slightly changed the picture on the market. Some investors periodically change coins one to another, which leads to mutual fluctuations in the course. Therefore, Dmitry Scherbina, director of Hive OS, advises to invest simultaneously with Bitcoin and in its promising forces, since their course can be counterweight.

Yes, and by itself BCH can bring good income, increasing after the BTC. Some analysts are confident that by 2020 courses can be compared.

Bitcoin fluctuations for 2017 (all images are clickable):

Course Bitcoin Cash for the entire existence:

№2. Ethereum.

Height for 2017: 5922%

The main advantages of Ether, explaining its success - the function of smart contracts, as well as prospects for use in business as a base for new projects. Now developers cooperate with Microsoft, BP, Intel, Santander and Ing.

Among the developers' plans are the transition to POS and expanding external cooperation, and with the successful implementation of plans, experts promise an increase in the cost of several times (the latest course of Etheria to ruble and the dollar). Even a simple preservation of general trends 2017 will bring considerable income to investors:

Number 3. Ripple.

Height for 2017: 3767%

Ripple is quite different from its neighbors in the top of capitalization, primarily its centralization. This coin was developed for transactions between the banks of the world. Despite this, Ripple remains an excellent facility for investment. Huge capitalization as for a coin with a small cost makes it a more or less stable asset with a low yield threshold. Today with Ripple collaborates:

• National Bank Abu Dhabi;
• Santander;
• BBVA;
• Mizuho;
• Mitsubishi UFJ;
• UniCredit.

The fate of Ripple is largely associated with access to Coinbase, which could significantly raise the course.

Investing in novice or less popular currencies

Main advantages:

• the threshold of entering the market is significantly lower;
• due to the low start (from a few dollars or even cents), a huge increase in percentage ratio is possible: for example, Bitcore for 2017 grew by 4,078,244%, and Pura - by 2,855,478%;
• the ability to become the owner "before it becomes mainstream" - what does it mean to buy much cheaper and multiply your money.

However, risks with new currencies are much higher, and it is difficult to advise them. Therefore, coins are selected here, which have already proven their relative reliability, although they are still far from Bitcoin or Ether.

№4. Cardano.

"Japanese Etherium" having a lot of common with him quickly rose to the 5th position of Coinmarketcap. The innovation of the developers was the creation debit card ADA. Now Cardan was stabilized and ready to increase.

№5. Stellar Lumens.

Created recently Stellar has already taken 8 place on Coinmarketcap. He combined all the best qualities of Ripple, multiplying them to decentralization. Currency is already collaborating with IBM.

№6. IOTA.

The coin was created specifically for exchange on the Internet of things, the growth of which in the next 4 years according to TECHNAVIO estimates will be at least 4%. This is already evidenced by a huge potential. IOTA is significantly different from traditional currencies with a unique TANLLAC platform. The absence of miners and commissions.

So far, IOTA is based in the Asian markets, but has already received funding from major US investors and ranks 10th on CoinmarketCap. It is also planned to cooperate with Microsoft.

What cryptocurrency is better to put rubles: the opinions of financiers + video

First of all, most experts are advised to draw up an investment strategy, solving the following:

• Temporary framework and Target, that is, the choice between Buyandhold and the game on the stock exchange. If it is decided to sell in a few years, you should not give in to a panic and merge coins at the first fall.
• Amount of investment. Do not go beyond the planned budget and invest the latter money.
• Currencies. I decide where to invest your money, experts are advised not to concentrate on one cryptocurrency, but to make a diversified portfolio.

Bitcoin remains the most reliable asset, and many put 40% of their portfolio into it. The general director of Digital Finance Agency Vitaly Tsigulev advises to buy Bitcoin and is confident that for a hazardous old age is enough to stock up 10 coins.

However, not everyone will agree with him. According to Dmitry Shcherbina, Bitcoin is a technological deadlock, and due to the inconvenience and cost of payments, its use will come down "for no". Therefore for long-term investments The expert advises to take more promising altcoins. Soo ITuber Alexey Pogorellov recommends Bitcoin Cash, Ethereum, Eos and Iota.

Analyst TheToken Fund Alexander Litvinovich Perspective currency believes Neo, which has not been so much falling in recent times.

Choosing, where it is better to invest rubles, experts advise to pay attention to the following factors:

• Capitalization. Partner United Traders Anatoly Radchenko stressed that this particular factor indicates popularity and demand for a coin.
• White Paper and Road Map, as well as the reputation of developers.
• Scope of use of the coin. Radchenko advises cryptocurrency associated with the financial sector.
• Director Bankex Dmitry Dolgov considers a good version of altcoins, improving the infrastructure of the blockchain and the quality of transactions (for example, Etherium).
• A representative of CMO Darf Chain Denis Mikhailin advises non-inflationable coins with limited release.

So before choosing your investment portfolio It is necessary to thoroughly analyze the market, pay attention to the graphics, features of the technologies and the potential of individual cryptocurrency. About half of the package, and the remaining part are divided into Bitcoin, and the rest is divided between coins from the top 10, 50 or even 500 by rating Coinmarketcap. Thanks to such a scheme, the investor is almost always in its positive, compensating for unexpected falls of some coins by the growth of others, which will undoubtedly help the novice investor.

In conclusion, look at the video review about investment in cryptooney:

Do not forget to make a repost of the article and subscribe to the blog newsletter in the form after this article. All the best.

Useful materials:

fireLinks.ru.

Where to keep money? In what currency saved their savings in 2018

Financial experts and economists of all countries of the world in last years We grab the head in attempts to make forecasts. In many countries, currencies are not stable. Many moments, such as the election of the President of the United States or Brexit, affect the situation. Therefore, most experts make their forecasts more carefully. At the same time, all financiers converge only in one: when deciding, in which currency it is better to store money, there is always a risk of losing accumulations. They pay attention that their forecast for the most successful investments in which or currency is not a hundred percent. And so, in what currency to keep money in 2018?

For storage of money used various methods:

1. On the accumulative bank account.
2. IN accumulative programs, calculated for a long time. On the deposit.
3. In the bank cell.
4. Invest money in successful projects, receiving income.
5. In gold bars.
6. Houses under the mattress.

Each of the described saving options cash capital It has its own features and differences. It is possible to use any of the ways, or several at once - invest in business and put on a cumulative account. You can reduce risks to a minimum, invested money in each option.

What is better to keep money in 2018

The Russian ruble, unfortunately, is not distinguished by its stability. Today, keep major accumulations is not profitable in rubles. There is a risk of depreciation of the domestic currency until the situation is settled on financial market. Based on forecasts of growth professionals in Russian economy In 2018 it is not expected. It is also possible to deteriorate the situation in the financial market for political reasons. Therefore, asking for what currency to keep money in 2018, pay attention to other currencies.

Russian depositors keep their savings in dollars, despite the opinions of many analysts that the dollar weakens as world Currency. Keeping funds and in rubles and in dollars, most likely you will not get big profits, but at least not lose. At the same time, deposits in dollars are less risky compared to ruble deposits.

In the European zone, the situation is administered. Existing financial problems led to Brexit (UK outlet from the European Union). It could lead to a fall or an increase in the euro, but the situation with the European currency has not changed. On the other hand, the euro rate fell by 30% over the past two years. The opinions of analysts on the future situation in the eurozone are diverged. Someone claims that the UK's yield provokes the destruction of the Union, and some agree that the euro is strengthened and the Union "Clears".

Dollar

Given the history of past years, it can be argued that financial crises And economic shocks are on various, unpredictable reasons. For example, a coup in the country that produces oil, inevitably affects the course of currencies. If you look at the situation with the storage of money in dollars more widely, then the following picture is folded:

• Most on the planet are not asked: where to keep money and buy dollars.
• Getting salary in dollars, there is an opportunity to accumulate large sums Without loss.

Euro

In the European Union, last year, there were problems, but it is still the most stable structure with the largest players - Germany and France. The government of these countries maintains stability in the financial market, which leads to the stability and reliability of the European currency. Country economists always work with all possible situations in the future. Therefore, we develop new ways to profit.

Flowing, in what currency to store savings, take into account your plans for the future. For example, by planning the train on European cities, buy an euro, and deciding to go to the USA, buy more american dollars.

The situation with Greece shows that it is not so smooth from the euro. Long-term deposits in European currency should not do. At the same time buy a little euro or make a short-term contribution to the euro will not be a bad option for saving money, but perhaps increase.

Ruble

Any competent specialist in finance will advise the money in the currency in which they live. Thus, if the salary in rubles, there are no plans to go anyway or go and buying also occur in rubles, it is in this currency that must be stored. The Russian economy is tied to oil prices, so when drawing up any predictions where to store money, pay attention to this industry.

Dollar or euro?

Consider what is better to keep money in 2018. The careshirt of analysts believe that by the end of 2017 the euro rate and the dollar comes. And in early 2018, the European currency will give up a dollar by 0.05 cents. The euro behaves not confidently and constantly jumps. Parity of the purchasing power of the euro and the dollar is constantly changing.

At the same time, the euro fell below the dollar only twice. In the formation of the euro, his course was equal to the dollar. New currency Received demand, and it began to be lacking. Since the dollar became more and more, and the euro is less, the latter began to increase in price.

Euro has long been on the market, but still worth more than a dollar. The reason for this situation is mostly a behavior in the economy of the United States of America. The United States has the right to produce a currency in which the State Dolg is calculated, in unlimited quantities. As a consequence that the debt grows every minute and has already achieved insane size, the dollar gradually depreciates, and the euro strengthens its position.

So where is it better to invest?

We will analyze the questions where it is better to store money in which currency and where to store currency? Considering the stability of world currencies, diversification remains the best solution to preserve their savings. Store savings in 2017 in Russia it is necessary in various currencies, it minimizes risks. For example, half of the funds divide between the euro and the dollar, and remain the money in rubles. This method It will reduce the risk of losing accumulation in not a stable situation in the financial market.

What currencies are better to keep money in 2017 in Russia? Expert opinions converge in one thing that the dollar will strengthen its position in the coming years. Therefore, it is better to store savings in dollars than to keep money at home.

There are dollars (a lot or not very). 10 thousand, 1000 or just a couple of hundred. So that they do not lie dead cargo and did not burn their eyes (hands, legs, tail) you need to hide them from yourself. So that there was no temptation to spend hard htorated. So you need to invest somewhere. Ideally reliably and with income.

Question - where?

The answer is below. We read, draw conclusions, choose the appropriate way, we invest in dollars.

We offer something your own. It will be interesting to learn additional options for investing an American currency.

Currency deposits

Almost all banks offer the opening of the currency account. With a yield of 1-2% per annum. You can start from several hundred dollars.

Contributions are opened for a period of several months to 2-3 years. Naturally the interest rate depends on the deposit amount and deposit period.

• fixed profitability;
• minimum input amount;
• reliability (if you choose large banks).

• Low profit. Given the average inflation on the dollar in 1.6% per annum, investors practically do not earn anything in the nominal profitability.
• It is impossible to remove part or all the capital from the contribution. All accrued interest will be lost. And on the hands you will receive only the body of the deposit. The problem can be solved by the opening of short urgent contributions (for 3-6 months). But in this case, we lose in annual yield. The contribution open for 1-2 years brings a percent of 2 times more.

As an alternative, we use the ladder of deposits. Opening at the same time several currency deposits For different times. For 2 years, one and a half, a year, six months and 3 months. After a 3-month deposit, we open 2-year-old on this money. After another 3 months, the semi-annual contribution ends - we open a deposit again, but with a long period. Etc.

Where to find banks with high percent According to currency deposits?

Search engine to help you. You can begin for example from the portal bank.ru - they have a service selection service of banks depending on your conditions (amount, term and currency of the bank).

Eurobonds

Buying Eurobonds russian companiesnominated in dollars.

The yield is about 4-6% per annum. Payments occur 2 times a year. This money can be immediately used at your discretion: spend or reinvest.

How much can you earn?

I think the answer is "unknown" you will not suit you.

But still. Depends on the duration of investments. For example, in the past few years, the American market has grown 12-15% per year. But this does not mean that it will always continue.

In a year we can see the continuation of growth or fall. Easily.

Again looking at the story - the average annual yield of the American market is about 6-8% per year.

ETF in foreign brokers

The meaning is similar to buying an ETF on the Moscow Stock Exchange.

But there are nuances:

1. The price of the entrance begins from ten thousand dollars.
2. ETF selection is just huge. Several hundred different funds.
3. Commission for ownership of funds is ten times lower than that of the ETF from Finex. For example, the Foundation for the S & P 500 index takes 0.04%. Instead of 0.9% of Finex.
4. All American ETF pay dividend owners or bond coupons.
5. There are real estate funds (REIT), inaccessible in Russia. With a profitability of 5-8% per annum. Naturally in dollars. It can be found even with a monthly payment.

FIF.

Are investments in functions? With amendment. Investing in American promotions and other dollar assets.

The idea of \u200b\u200bcreating intrinsicities is just great. Investor money is going through the sale of the Fund. Next, money is invested in stocks, bonds, real estate (according to the Foundation Strategy).

The fund receives profit - the value of the share is growing. Investors are rich. Not by day, but by hours.))))

Several questions are immediately solved:

• wide diversification;
• all make the fund managers;
• the simplicity and availability of the purchase - came, saw, bought. For starters, enough bucks 100-200.

What question still needs to be illuminated?

Probably: how much can you earn?

Wrong. The original question that should worry you - how much will it cost me? Rather, what expenses and commission will need to be given for management?

Their "Total" three:

• Purchase fee - 1-1.5%.
• Annual Commission - 4-5% of the amount of your assets.
• Payment for sale - from zero to 1.5% (depends on the duration of the ownership).

Roughly speaking half (and in fact much more) profits you will pay the manager. And the most interesting thing - the PIF will take money from you anyway. You got profit or earned a loss. From this, deduct the size of the commissions. And get clean financial results In the form of profits ...... Will there be a profit?

Roughly speaking. You have 1,000 dollars. You bought on all the funds of the Foundation on American stocks. For 1 year, the growth was 10%. You decide to fix profits and sell everything.

Question. How much money will you get on your arms?

Quick response: 1 100 dollars.

Correct answer:

When buying a share with you immediately took 1% commission or 10 dollars. It remains $ 990.

Profit 10% from 990 dollars - 99 bucks. TOTAL - $ 1089.

From this amount will take 5% for control or 55 bucks. It remains 1034 dollars.

Well, the "control shot to the head" - another 1% for the sale of the share - 10 bucks.

You will receive 1024 dollars on your hands. Your profit is 2.4%. Chic result.

In fact, you still need to subtract 13% of taxes. And the profit will be even smaller.

At the interval of several years, the Commission will not affect the income level. But still very, very much.

Here is such arithmetic.

Gold

The main goal of investments in precious metals - Protection against inflation. Gold quotes are calculated in dollars.

I invest in metal, we also hedge currency risks. From the devaluation of the ruble.

Additionally, we have some kind of historical growth of the value of gold. Approximately 2-3% higher than inflation.

Where to buy gold:

• disclinished metal bills:
• buying ingots or investment coins;
• as part of the Foundation for Gold (ETF again).

The main feature of investment in gold is its low correlation with other assets. By simple, when everything starts to fall (for example, during the crisis), the quotes of gold are usually starting to grow. Many are looking for a "quiet harbor" where to attach money and wait for turbulent times.

And the first place comes out "Eternal Metal" in the face of gold.

The easiest way to buy gold is the opening of an impersonal metal accounts. Here you need to pay attention to the magnitude of the spread (the difference between buying and selling). Different banks have been running wide enough. I met quotations with a spread of 12-15%. Just tin.

Before opening the OMS, it is better to first analyze bank offers and choose with the smallest spread. Not in absolute, but relative values. How to count the spread is briefly described in.

What to choose in the end?

In short timing (year or two), as not strange, it is better to invest dollars in foreign exchange deposits. Let it be with a smaller, but guaranteed yield + 100% refund of the deposit body.

In mid-term - 3-5 years, the choice is better to stop on the bonds in the face of ETF. Plus, consider the possibility of investing a part of the funds in gold.

If the planned investment period is 8-10 years and above, unambiguously are stocks as the highest order of investment. But investing in stock is better to avoid directly, but to stop the choice again on ETF. Diluting the portfolio between bonds and shares. With a focus on a higher share of ETF per promotion: 70/30, 25/75, 80/20.

Optionally, you can add gold again as a protective asset.

The easiest: Buy dollars, wait until the course rises, sell dollars. Agree, it is available to the majority. The only question is to guess: when to buy when to sell.

Among the advantages of investing in overseas currency, high liquidity can be noted, as well as the reliability of freely convertible currencies. However, there are disadvantages.

• The first is that when purchasing currency it is necessary to pay the banking commission, additional taxes and fees.
• The second is that the currency underlying at home in a secluded place has come to their owner does not bring. In this case, it should be reflected about the long-term prospects for investment. However, there are hazards here - for example, a permanent increase in inflation (). In more detail about,.

The trader is asked: - What is the US dollar?
Trader: - Nothing.
- Then what is the ruble provided?
Trader: - US dollar

Investment in forex

For those who wish to take care of their hands - a convenient solution for earnings will be forex market: and.


You will need to work.

Trust management

If there is no time for trading, or there is no knowledge, it is worth paying attention to trust management.

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