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Allocate for ruble to a quarter of all sum, distribute the rest between dollar, euro and exotic Chinese yuan and Swiss franc. And the biggest shares have to belong to dollar (rescue currency) and yuan (steadily growing economy holds a good course). Also break the sum of deposits on 600 000 rub - let your percent will be insured by Deposit Insurance Agency (DIA).

Other option is investments into the depersonalized metal accounts, first of all - in gold. Historically this metal rose in price in crisis. The sums it is worth investing from 300 000 rub and for the term of not less than half a year, at the same time metal accounts, unlike gold, the VAT are not assessed, but they also are not insured in DIA. However the great demand on gold has artificial character therefore it is necessary to be attentive to a political situation - its stabilization leads to depreciation.

However any crisis will sometime come to an end, and behind it growth period will begin. Therefore it is worth constructing already now the development plan for business and the life which is not limited next year. And in this case, as in case of a disease, it is necessary not to self-medicate, and to address professionals, personal financial advisers and independent financial consultants who will help to make correctly a tree of the purposes and those products which will provide their timely performance.

Anyway if you have currency credits, immediately re-structure them in a ruble analog. Otherwise your debt can increase suddenly many times, and credit loading will pass for 100% of your income. All this will happen because of growth of exchange rate.

There is a sense to buy durable goods, but do not pursue novelties - the three-year machine will quite satisfy to your inquiries, having not strongly been inferior to a similar novelty.

The following direction of investments is the stock market which offers tools, various on risk degree, - starting with government bonds and finishing with various future contracts.

Further, depending on the strategy chosen by you, it is necessary either to reduce risks, or to increase profit on operations.

And here urgent need in forcing payment of the ruble credits, no if they do not exceed a certain level as a part of percent will be "eaten" by inflation. If you the supporter of financial surfing, then you even have to re-structure payments so that as much as possible to reduce monthly payments.

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If you seek to earn from crisis opportunities, then it is necessary to consider the following risk options.

2. Gold

If you the supporter of conservative strategy, then adhere to multiple currency deposits. However inflation already went up and the reasons for a stop are not expected. At the same time due to currency fluctuations import goods in rubles will rise in price stronger.

3. Stock market

Recently there were a lot of structured products which sense, at the expense of a combination of various assets and transactions with them, - to offer the tool with in advance defined risks and profitability. They are often presented as more profitable analogy to deposits, with only that difference that the state institutes will not guarantee safety of your means. Besides, the minimum threshold of an entrance to this product - several tens of thousands of dollars that makes them available not for all comers.

4. Business

Of course, some companies in crisis successfully begin the activity, others earn states only from crisis (for example, Soros's hedge funds or the collection agencies). But the majority in crisis is reduced by the income, so you should tighten belts more tightly in advance.

Many people in our country prefer the real estate as subject to investments, and it is not casual. Even in crisis the question of housing remains relevant, especially in Moscow, so the great demand on apartments and houses remains. At the same time best of all the situation is with apartments in a low price segment. But the real estate - not a panacea. Though it will also rise in price on crisis expectations, in case of considerable recession of the price will begin to fall therefore it is necessary to be ready quickly it to sell, and it limits possibilities of its use for leasing. Anyway you should not get the real estate as an investment asset on means from a mortgage.

The same concerns your business: moving to new office, purchase of the new equipment or scarce commodities in itself will not make you richer. On the contrary, without having the accurate and realistic plan for their use in the business and to increase in its profitability, such acquisitions will only fill up stocks of an illiquid asset and ruins will threaten your business. It is better to spend a part of funds for optimization of processes, for decrease in prime cost or even staff reduction. It is better to make it in advance, in a quiet situation and with the assistance of professional consultants, than in a work involving all hands at the growing receivables and decrease in demand for your goods.

Actually, any crisis creates not only risks, but also new opportunities as even in the falling market certain investors or the companies can improve the situation, having increased the shares at the expense of the ruined competitors. Therefore there are two strategy of financial behavior in crisis:

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However if you already got the real estate or other property, then it is necessary to insure him surely. Crisis not the best time at own expense to repair and indemnify loss. The same concerns also your personal health - ensure to it safety and an opportunity in time will receive medical treatment: issue an insurance at least from accidents if you are not able to afford DMO.

The main direction of investments - investments into or the business. Personal development is shown in acquisition of new professional skills, a learning of foreign languages. It is important that these expenses increased further your income. And for this purpose you have to make the plan of improvement not only own nature, but also more effective application of in life. Otherwise studying of French or purchase of a new business suit will become the next entertainment which devastated your purse.

Mikhail Popov, the founder of EasyFinance.ru, the independent director of a number of the domestic companies, has 15 years' experience on the leading positions in such companies as Bork, DSK-2 (PIK Group), Amtel Vredestein, "Magnet".

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"Lifebuoy" - minimization of external influence on a financial state, avoiding of risks. What waves would not cover, a task - to keep on a surface.

In a case with the enterprise ensuring liquidity is a disposal of illiquid assets, toxic stocks in a warehouse, investment projects with doubtful prospect and t of the item. The earlier you will get rid of unclaimed goods and not used equipment, the above will be able to gain cost for them. Import goods which fell under sanctions and became scarce can become an exception. But, most likely, you have no priority access to information on the decisions made by politicians, and therefore it is necessary to clean the balance from the assets which are not bringing benefit as much as possible.

"Surfing" - a market skalpirovaniye, the maximum use of market opportunities. The movement on the roll with the maximum speed and risks. For realization of any of the listed strategy first of all it is necessary to provide a liquidity stock. It is equally relevant both for households, and for the enterprises. This postulate means for family that money has to be enough for expenses within 6 months. It is worth storing these means on multiple currency deposits with a possibility of partial replenishment / removal or on card accounts with charge of percent for the rest. It will allow not to withdraw, in case of contingencies, urgently funds from the stock market, the real estate market or turnover of business if we speak about the individual entrepreneur.

The released means can be required for realization of the opportunities which are suddenly opening in the conditions of crisis (for example, significant falling of the prices of a number of assets), and it will be for this purpose possible not to resort to the credit which in crisis obtain much more difficult and more expensively, than in the growing market. And in certain cases toughening of requirements to borrowers in general can exclude access to borrowed funds if they have an insufficient level of liquidity.

Why it is worth transferring savings to currency? Because when choosing deduction of inflation and deduction of ruble exchange rate, our government usually ceases to hold in the beginning a course, and then already inflation in process of exhaustion of reserves. Therefore distribute assets on currencies.

1. Real estate

It is important that the funds released thus were allocated for reserves for investments, but not for personal consumption (expenses without economic return).

The Russian economy has not the best times today. Sanctions and world stagnation create not strongly optimistic expectations of rather economic situation. There is a question: how to arrive with the savings that as much as possible to secure them? And what to do if you are a businessman?

Where to invest reserves?

But you remember that experts recommend not to exceed levels in 40%. This value is applicable and to business indicators, however here it is necessary to consider branch aspect. If for retail business monthly payments for the credit can be comparable to turnover of the company, at low value of an interest rate, then the payment schedule is very important for construction, and the cost of the credit is less critical.

The first that distinguishes strategy No. 1 from strategy No. 2, is the relation to leverage. Determine the level of credit loading accepted for itself - percent of income which leaves on payment of the credits. The more you are slopes to risk, the this level is higher.

Source: kontur.ru