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Recently, the Banks.ru wrote about some of the alternatives to foreign currency deposits. Which assets bring the highest income in foreign currency? This time we compare four instruments: foreign currency deposits, Eurobonds, rental business and projects added value in Europe.
the Russian investors who hold or receive income in Euro, is often compared to real estate in Europe, with other profitable instruments: foreign currency deposits in Russian banks and Eurobonds of Russian issuers.
As practice shows, Eurobonds — the main tool of conservation funds for wealthy Russians. These assets bring the 1.5—5.5% per annum, require no maintenance, are liquid investment tool and are suitable for long-term investment.
bonds competing properties for lease. Such objects in Europe give comparable income of 3-6% per annum and each year increasing in price. For example, the cost per square meter in Berlin from 2011 to 2016 rose more than doubled. But at the same time the real estate is less liquid and requires the participation of the investor in the management of the site (or hiring a management company).
the foreign Currency deposits is almost zero yield (data Banks.ru, from 0.01% to 1.5%) and profitable for Russians only during periods of depreciation of the ruble.
the Tool allowing not only to maintain but also to increase capital and investor — projects added value in Europe. The essence of the strategy is to buy land or property for a fee below market, to build or repair it and then sell at a higher price. Such projects bring investors a of 10-15% per annum on invested capital.
For comparison, if the investor is investing 400 million euros in each of the four considered tools for year it can earn on foreign exchange deposits to 6 thousand euros on Eurobonds — up to 22 thousand, for the rent — to 24 thousand, and the project added value to 60 thousand euros.
the Important difference between the strategies associated with foreign real estate: investments in bonds of Russian issuers related to the risks of the domestic economy, and property in the EU from such risks free. In this context, Tranio recommends to invest in a stable market of Germany. Local projects added value focused on capital owners with capacity from 30 thousand to 500 thousand euros. Projected yield investors — 10-12% per annum after deducting all costs and taxes. The implementation period of 6-18 months.
the foreign Currency deposits in Russian banks
Eurobonds in Russia
properties for rental in Europe
the Project added value in Europe
preservation of capital
preservation and enhancement of the
3,0—6,0 (at the loan — 4,0—8,0)
the Risk of losses
and asset Volatility
simple (you can hire a UK)
difficult (requires CC)
the Duration of the transaction
a few months
the Maximum return on invested capital per year, with private investment of 400 thousand euros
6 thousand euros
22 thousand euros
24 thousand euros
60 thousand euros
Source: Banki.ru, Tranio, CBR
Tranio recommends that you diversify your investments: 70% of the capital to keep a secured asset, such as in high-quality foreign real estate or high-class bond issuers, and the remaining 30% to invest in a sound profitable strategy added value. Thus, the overall risk of loss of capital will be relatively low and the yields high.
Georgy KACHMAZOV, CEO and founder of Tranio, the company's broker real estate for Banki.ru
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