What to Invest in in 2025

Contents:

• What to invest in to achieve short-term goals with a 1-year horizon
• What to invest in to achieve medium-term goals with a 3-5-year horizon
• What to invest in with a 10-year or longer horizon

What to Invest in to Achieve Short-Term Goals with a 1-Year Horizon

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Non-qualified investors should consider bank deposits in the short term. They offer attractive returns of up to 24% per annum, while risks remain minimal. In the event of financial difficulties at the bank, depositors have the opportunity to return an insured amount of up to 1,400,000 rubles, providing additional security. Such conditions make bank deposits an effective tool for preserving and increasing funds, especially for those who are just starting their path in investing.

Investment Director of a venture fund and speaker of Skillbox courses on financial modeling and investment valuation. With deep investment knowledge, he shares practical experience and useful strategies for successfully evaluating projects. Participating in Skillbox courses allows students to gain up-to-date skills in financial analysis and investment management.

In conditions of high inflation and significant volatility in the Russian market, many investors are reconsidering their strategies. It is recommended to allocate about one-third of the investment portfolio to short-term assets, preferably in foreign currency. If you do not have a brokerage account, you can consider holding foreign currency in cash. If you do have an account, it is advisable to invest in dollars or currencies that have a positive correlation with the dollar, such as euros, dirhams, or yuan. This will help preserve capital and minimize risks in unstable conditions.

It is recommended to allocate 30-40% of the investment portfolio to deposits or bonds. If your amount exceeds the deposit insurance limit, it is advisable to spread your funds among several banks to minimize risks. This approach will ensure the safety of your investments and increase the financial stability of your portfolio.

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In 2025, deposits and savings accounts will be the optimal choice for short-term investments. Deposits offer higher returns, reaching 24% per annum. Such attractive rates are offered by financial institutions such as Sber, T-Bank, and Alfa-Bank. Investors can also consider short-term bonds from reputable issuers such as Sber and Lukoil. Bonds of large state-owned companies with yields of up to 25% are also available. Investing in such instruments will allow you to effectively manage your capital and receive a stable income.

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In 2024, Russian assets fell significantly in value, making them attractive to investors. However, given strict monetary policy and ongoing geopolitical risks, not all companies can demonstrate sustainable financial results. Investors should carefully analyze the market and select reliable assets to minimize risks and maximize potential returns.

In 2025, interest rates are expected to remain high. Therefore, for short-term investments, it is recommended to choose companies with a strong financial position, low debt burden, and high margins. Such companies are able to effectively manage interest expenses on loans. BCS analysts have a positive view on the shares of companies such as Gazprom Neft, Tatneft, HeadHunter, Mother and Child, and Yandex.

Investing in money market funds is an effective solution for those seeking low-risk financial instruments. These funds provide stable returns, which typically correspond to the key rate. Such investments are suitable for conservative investors seeking to preserve capital and receive predictable income without significant fluctuations in asset prices. Investing in money market funds allows you to diversify your investment portfolio and minimize risks.

A financial and investment advisor is a professional who helps clients manage their finances and make informed investment decisions. The main task of such an advisor is to analyze the client's financial situation, develop an investment strategy and optimize assets. Financial advisors possess knowledge of markets, tax legislation, and various financial instruments, allowing them to offer customized solutions that align with client goals and risks. By engaging a financial and investment advisor, you can receive valuable assistance in planning for the future, saving for education, retirement, or other life goals, and diversifying your investment portfolio to minimize risks.

One-year investments are characterized by a low level of risk. An increase in the key interest rate is expected in 2025, making short-term investments such as money market funds and short-term bonds more attractive. These instruments offer stable income and minimize potential losses, which is especially important in an unstable economic environment. Choosing such assets allows investors to effectively manage their finances and protect capital in the short term.

Money funds are a conservative investment instrument that is currently proving more profitable than traditional deposits. Unlike deposits, which fix the interest rate for a specified period, cash funds react quickly to changes in the key rate. If the key rate begins to rise again in 2025, investing in cash funds will be a more profitable option. It is important to consider these aspects when choosing an investment strategy for preserving and increasing capital.

Fixed-coupon bonds are subject to the risk of a decrease in market value when interest rates rise. This is because new bonds issued at higher rates become more attractive to investors. However, if the received coupons are reinvested, the potential return can increase significantly. Thus, strategically managing coupon reinvestment can improve the overall return of a bond portfolio.

Investing in floaters is an interesting opportunity for income generation. These bonds have a coupon that depends on the key interest rate. As a result, when the rate rises, the yield on floaters can exceed the yield on fixed-coupon bonds. It is important to note that when choosing floaters, preference should be given to issuers with a high credit rating, such as AAA, which reduces risks and increases the reliability of investments. Investing in floaters can be an effective strategy for those looking for ways to diversify their portfolio and optimize returns.

Associate Professor of the Department of Global Financial Markets and Financial Technologies, Russian University of Economics named after G.V. Plekhanov. This specialization includes the study of global financial systems, the analysis of financial technologies, and their impact on the economy. Expertise in financial markets helps prepare qualified specialists capable of working effectively in the modern financial world. The department is actively engaged in scientific research, the development of new teaching methods, and the implementation of innovative technologies in the educational process. Interest rates are likely to remain high at the beginning of the year due to the current inflationary situation. This is important to consider when making investment decisions. If your investment horizon is one year, it's worth considering liquid instruments that can be sold quickly and easily. The most obvious options are deposits and bonds. Deposits offer high returns with low risks, making them an attractive choice. Bonds can also be profitable, but it's important to remember that there's no guarantee you'll be able to sell them within a year at the desired yield. Consider these options based on your financial goals and risks.

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Over a one-year horizon, bonds can provide more attractive returns than deposits. For example, corporate bonds rated AA- and above offer the opportunity to lock in returns of 25%. For information on bond ratings, visit the Expert RA rating agency website. Investing in highly rated bonds can be a profitable solution for diversifying your portfolio and increasing returns.

When choosing bonds, it is important to focus on well-known companies, and not just on potential returns. A short maturity period helps reduce the risk of bond depreciation, especially given the potential increase in the key rate by the Bank of Russia in 2025. Bonds offer an accrued coupon mechanism, which allows the accrued interest to be retained even if the bond must be sold before maturity. This makes bonds more attractive than bank deposits, providing investment protection and income stability.

What to invest in to achieve medium-term goals with a horizon of 3-5 years

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To create an investment portfolio for a period of 3-5 years, it is recommended to include shares of reliable companies that do not show downward trends. Such companies include Sber, Lukoil, Aeroflot, and Yandex. It is important that the share of stocks in the portfolio does not exceed 50%. The remaining 50% of capital should be invested in federal loan bonds or corporate bonds of large companies, the maturity of which corresponds to the withdrawal period of the invested funds. This approach will ensure a balance between risk and return, which is a key aspect of successful investing.

A stock market expert at BCS World of Investments provides professional investment advice and recommendations. With deep financial knowledge and experience, he helps clients make informed decisions in the stock market. Learn more about investment strategy and effective asset management from our expert.

If you're considering an investment horizon of three to five years, it's worth considering bonds with similar maturities. They are currently selling at a significant discount to their par value. If the key interest rate decreases, the bond price could rise, creating an opportunity to sell them before maturity. Among the bonds recommended by BCS analysts, OFZ 26241, 26243, 26230, 26239, and 26247 stand out. Their yield to maturity ranges from 16.8% to 18.1%. Investing in such instruments can be a profitable solution for achieving your financial goals.

A financial and investment advisor plays a key role in managing personal and corporate finances. These specialists help clients develop strategies for optimizing expenses, accumulating capital, and investing in various financial instruments. A financial and investment advisor analyzes the client's current financial situation, identifies their goals and risks, and creates a customized investment portfolio. Through a professional approach to investments and financial planning, the advisor promotes financial stability and asset growth. It is important to choose a qualified specialist with experience and positive reviews to ensure successful financial management and maximize investment returns. An investment period of three to five years is suitable for investments in stocks, bonds, and foreign exchange instruments. Investments in stocks are intended for those willing to accept a high level of risk. Historically, after significant declines, the index can take up to seven years to recover, and in some cases, even longer. It is recommended to focus on shares of companies with low debt burdens, as such companies are more resilient to unforeseen circumstances. Investors should consider these factors when constructing their portfolios to minimize risks and ensure long-term returns.

Forecasting the stock market is challenging, especially in an environment of unpredictable political events. If tensions between countries ease, stock market growth can be expected. However, if political instability increases, the consequences can be unpredictable, which in turn creates additional risks for investors. Breaking news and events in the international arena have a significant impact on market dynamics. Therefore, it is important to monitor the political situation and analyze its impact on stock indices to make informed investment decisions.

To protect against ruble depreciation, you can diversify your investment portfolio by adding floaters and foreign currency instruments, such as gold and foreign currency bonds. Both dollar and yuan issues are available on the Moscow Exchange, allowing investors to choose the most suitable options. All infrastructure is located within the Russian border, minimizing the risks associated with sanctions and asset freezes. Investing in such instruments can help preserve capital and ensure financial stability in conditions of economic instability.

Associate Professor of the Department of Global Financial Markets and Financial Technologies of the Plekhanov Russian University of Economics.

At With an investment horizon of up to five years, it's advisable to consider stocks and mutual funds. Over this period, the market typically shows growth, allowing for potential capital growth. Investing in stocks and mutual funds can be an effective way to accumulate funds and achieve financial goals.

An investor's risk tolerance plays a key role in choosing an investment strategy. It's important to prioritize capital preservation or maximizing returns. If safety is a priority, consider shares of large companies or government bonds, which provide a stable, albeit low, return. If the goal is higher returns, be prepared to accept significant risks, including the possibility of losing your investment. If you have large investments, consider the real estate market, where returns are generated by rising market values ​​and rental income. If real estate investments are unavailable, it is worth considering real estate mutual funds, which provide an opportunity to participate in this market segment at a lower cost.

What to Invest in with a Horizon of 10 Years or More

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The goal of long-term investments is to form a diversified portfolio that provides a balance between risk and return. Such a portfolio should include a variety of financial instruments, such as stocks, bonds, deposits, and real estate. Currently, Russian investors have access primarily to shares of domestic companies. However, in the future, investors will be able to diversify their assets by including foreign securities in their portfolio, which will increase its stability and potential profitability. Diversification of assets is a key factor in achieving financial goals and minimizing market risks.

Financial mentor and expert of the investment group "Finam". Lecturer at the Finam training center and speaker of the trading course on the Skillbox platform.

When choosing investment areas, it's important to understand that not all sectors can deliver the expected returns. If you're counting on a multiple increase in capital over the next decade by betting on areas such as green energy, artificial intelligence, or pharmaceuticals, you should reconsider your expectations. These sectors have their own risks and uncertainties that can impact your bottom line. Investing requires careful analysis and a balanced approach to avoid disappointment in the future.

These industries have the potential to become stable sources of income in the future, providing dividends and moderate returns. However, identifying truly successful areas capable of generating significant wealth requires in-depth research and analysis. Develop your attentiveness and knowledge to identify promising opportunities in business and investment.

Investors often make the mistake of creating dividend portfolios with the expectation of stable passive income. Passive income implies a lack of active participation, but in practice, this isn't so simple. Constantly analyzing stocks in response to reports and news releases requires significant effort and time, which challenges the concept of "easy income." To ensure sustainable investment income, you must actively monitor the market and react promptly to changes. Investing in high-dividend stocks requires constant analysis and switching issuers. This approach is associated with high risks. If you are unwilling to accept these risks, a wiser solution would be to purchase your market index through futures and also purchase reliable bonds in an amount that does not require collateral. In most cases, the return from this investment method will be higher than from building a portfolio of dividend stocks. Even if the returns are comparable, the stability of this approach will be significantly greater.

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If considering long-term investments exceeding 10 years, it's worth considering a diversified stock portfolio with a proven history of high returns. Individual investment accounts, as well as investments in residential or commercial real estate, are also worth considering. These assets have the potential for stable growth and can provide a reliable source of income in the future. Investing in such instruments helps reduce risks and increase the likelihood of achieving financial goals.

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Long-term investing allows for greater risk, but it is important to maintain a prudent approach. It is recommended to follow the barbell principle described by Nassim Taleb in his works. In this case, it is advisable to invest a small portion of capital, up to 20%, in high-risk assets with significant growth potential, while the bulk should be invested in reliable bonds and stocks. This approach helps balance risks and improve the chances of successful investing over the long term.

The Russian market is seeing the growth of new companies, opening up opportunities for investors. For a long-term approach, it is worth considering adding promising new players to your portfolio, such as Ozon Pharmaceuticals and Promomed. The remaining stocks should be acquired as they hit the market, after conducting thorough research. In the meantime, consider investing in companies that have lost value but have growth potential. These include Novatek, PhosAgro, MMK, Transneft, and Aeroflot. Investing in these assets can be a strategically sound step to increase capital in a changing market.

A financial and investment advisor plays a key role in managing personal and corporate finances. These specialists help clients develop investment strategies, optimize budgets, and achieve financial goals. A professional advisor analyzes the market, assesses risks, and offers customized solutions based on the client's needs. With a deep understanding of financial instruments and trends, an advisor can direct clients to the most profitable investment opportunities. Choosing an experienced financial and investment advisor promotes stable capital growth and improves financial health.

Long-term-focused investors can afford to take higher risks and increase the share of stocks in their portfolio. Research shows that over the long term, stocks tend to outperform bonds. This confirms the relevance of creating a balanced portfolio. Investors who have built a portfolio from various asset classes have already seen the effectiveness of this approach. Passive investors don't need to search for the perfect instruments when diversification and regular rebalancing can effectively grow their capital. A strategy based on diversification helps reduce risk and improve long-term financial performance. For an investor seeking stable cash flow, it's important to build a portfolio with this priority in mind. In such a portfolio, bonds and long-term growth-oriented stocks with a 10-year investment horizon will play a key role. A properly selected asset mix will provide reliable income and minimize risks, making it an ideal choice for those who value financial stability.

The head of the debt market analysis department at the FINAM financial group is a key figure, Responsible for researching and evaluating the performance of debt instruments. Their responsibilities include analyzing current bond market trends, assessing credit risks, and preparing recommendations for investors. An expert in this field must possess in-depth knowledge of financial analysis and the ability to predict market changes. Effective management of a team of analysts and collaboration with other company departments are also part of their responsibilities. It is important for the head of this department to constantly monitor new trends and legislative changes affecting debt markets, enabling them to provide relevant and high-quality analytical data to clients. Currently, unique investment conditions are available, providing attractive long-term returns. For example, federal loan bonds (OFZ) offer the opportunity to lock in a yield of approximately 16% per annum for a term of almost 17 years. Such conditions are not found in bank deposits, making OFZs a profitable instrument for long-term investment. Investors seeking a stable income may consider this option as an alternative to traditional banking products.