Subject. The article deals with household investments in Russia in conditions of sanctions and economic instability. Objectives. The purpose of this study is to analyze the investment structure of Russia’ population for 2022–2024, given the sanctions policy, economic instability, and the start of the special military operation. Methods. The study employs statistical and graphical analyses to assess changes in the structure of population investments. The analysis revealed the reasons for changes in financial markets and the dynamics of various investment instruments. The examined profitability of the most popular investment areas enabled hypotheses about the future behavior of the market and recommendations for choosing investment instruments for profit. Results. The analysis of historical data on investment returns established the predominant position of stocks integrated into the Moscow Exchange Index. Gold investment is ranked second in terms of return, and real estate purchase – the third. Bonds and bank deposits demonstrate returns comparable to inflation levels, thus emphasizing the need for shares in the investment portfolio to achieve optimal returns. Conclusions. To minimize risks, it is crucial to choose an optimal investment strategy and diversify the portfolio. It is recommended to place funds on bank deposits due to high interest rates, purchase securities of the Russian market (government and corporate bonds), and shares of companies considered as investments with a 5–10 year perspective. Investments in gold are also worth considering, including gold metal accounts due to their stable income of about 15–20 percent annually.
Keywords: investment, population, bank deposit, inflation, income
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