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Nightingale: for a hundred thousand rubles of income you will need 12-13 million capital

MOSCOW, March 21 – RIA Novosti. Passive income of 100 thousand rubles per month is the dream of many, but to receive such an amount, for example, with the help of a deposit, you will need a capital of at least 12-13 million rubles, financial director Ilya Soloviy, manager of the Webbankir online platform to RIA Novosti. According to him, you can earn such an amount on interest in other ways, albeit more risky.

“For example, the best offers of banks today are 9-10% per annum. At these rates, you can count on a monthly income of 100 thousand rubles, which is 12-13.3 million rubles. True, bank deposits are not the most successful way to increase funds, because they reduce inflation “There are much more profitable and at the same time simple ways to earn a good income,” he said.

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One option, he said, is the bonds of Russian companies. As the expert explains, it is both difficult and dangerous to buy foreign assets right now due to geopolitical risks. According to his estimation, yield-to-maturity on bonds from major issuers on the Moscow Stock Exchange is already 10-13% per annum. If you acquire the status of a qualified investor, you will have access to a wide variety of high yield bonds. The financier notes that these are smaller and well-known companies, but most also have good credibility.

“You can pay attention to leasing companies, developers, IT, microfinance organizations, agro-industry and factories that have existed for many years. The profitability of such issuers can already reach 18-19%. 3-7.7 million rubles,” said the specialist. . He added that the calculation includes 13% personal income tax, most of which is not charged on bank deposits but must be paid with bonds.

Regarding the second method, Soloviy says that now comparable rates of 14-19% per annum are offered by microfinance institutions for finalizing direct investment loans. However, he underlines that such investments are not protected by the Deposit Insurance Institution.

Finally, the expert says that the third option for passive investment is various investment platforms. Its users invest in loans to small and micro businesses. The size of the loans usually ranges from 1.5 to 15 million rubles – the investor receives a share of them, according to which he subsequently receives interest. The yield is even higher than bonds. But there is a significant drawback: lending companies on such sites are much less reliable than the most profitable issuers on the stock market.

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Source: Ria

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