Where to invest money in 2019

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Ends in 2018. The eve of New year and Christmas is not only a pleasant holiday chores and waiting for a miracle, but also a time to review economic and financial results of the year, as well as development of scenarios and projections for the future.
The development of the economy of any country, as a rule, goes hand in hand with income growth and improving the welfare of citizens. Unfortunately, the attitude of Russian citizens real disposable income from April 2018, continuing a steady decline, putting pressure on consumer demand and adding negative inflationary expectations of the population.
Previously recorded record low inflation began to gain momentum again and in the first half of next year, according to the official forecasts of the Bank of Russia, can approach 6%. Against this background, the regulator was forced twice to raise the key rate, bringing it level to 7.75%. Extension of U.S. sanctions against Russia within a year has led to the weakening of the ruble and a significant decrease in oil prices on the world market in recent years has given [url=http://stock-maks.com/forex/ruble/]exchange rate of the Russian currency pronounced downtrend.
So what can we expect in 2019? What can turn into a trade war and the eventual escalation of geopolitical conflicts, including with the possible participation of Russia? What new risks and opportunities will have investors? And finally, what strategy personal Finance management should choose an ordinary person in the circumstances?
The choice of investment programs it is necessary to remember about diversification (not putting eggs in one basket) of financial resources and properly distribute them according to the degree of risk and return. For example, at least 30% of all funds to invest in products with minimal risk and income, providing protection from inflation – the so-called investments lossless (Bank deposits and bonds). The remaining money proportionally to invest in assets with optimal risk/return and high degree of profitability and risk of loss.
In any case, at present, for most people, the most simple, accessible, understandable and trusted way to preserve capital is a Bank Deposit in the amount of not more than the guaranteed insurance indemnity (to 1.4 million). A nice alternative to Bank deposits remains a product like debit cards or income for the piggy-Bank with interest on balances and cashback for the purchases in the amount that theoretically will be the same an income of 8-9% per annum.
For diversified savings remains a good option is currency, which is still attractive for purchases levels, and the horizon of the depreciation of the ruble is seen at least for the administration to trump. You can also consider the deposits in foreign currency, while Deposit rates in most developed countries remain at a minimum level, or even negative, whereas the savings Bank demonstrates the upward momentum of interest rates on foreign currency deposits, seeking to exceed 2%.
Traditional classic investment product shares are capable of with proper choice to provide its owner with a high enough profit in the form of active (when the market value of the securities) and passive (dividend) income. Correct intelligent choice of the Issuer, as well as the time of purchase of shares can provide investors a yield of about 35% with a moderate risk 10% on the horizon of 1-3 months.
You can, of course, to achieve profitability, increased significantly using leverage, i.e. borrowing money to be able to trade large amounts than your initial capital. Only we should not forget about the risks, as they are also increased proportionally. So you need to act wisely, with constant monitoring of the cost of the appropriate paper and control potential losses.
In conclusion, I would like to remind that investing is always first and foremost managing risk! Usually the risk is proportional to income, i.e. the higher the yield, the higher the risks and Vice versa, and each product is chosen on the basis of such key parameters as return, risk, payback period and minimum investment amount.
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Gennady Popov,
Analyst,
Finist