The founder of the investment company Klopenko Group Yegor Klopenko believes that life in a capitalist society forces a person to set a goal for himself in the form of accumulating money. He told Prime Agency how to accumulate savings even in a difficult financial situation.
The specialist says: it is important to set aside a certain amount of your income and, most importantly, to do it on an ongoing basis. For example, a person decides to set aside 5% of his income, then the established threshold cannot be underestimated. Do not not believe in small amounts, they will gradually become the main final capital.
Even if a person lives “very modestly”, the constancy of the deposition of funds will not add new inconveniences. The withdrawn 5% will not affect the state of the budget. From the point of view of psychology, it is recommended to withdraw 5-10% immediately after receiving any income.
Long-term savings should be prohibited, except in emergencies. It is necessary to acquire a separate account, or even better – an account in a separate bank, which will be intended solely for savings.
Do not neglect the possibility of opening a brokerage account, it is a safe method of long-term investment of money savings. You can become the owner of 10–20 shares of blue chips, Russian and US companies, mutual funds, index funds or government bonds. But it is worth giving up risky instruments and all sorts of speculations.
Some of the savings can be converted into US dollars and euros. Klopenko believes that in the current situation it is beneficial to keep savings in foreign currency.
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