Investments in precious metals - can be worth the risk?

I would venture to suggest that the global economic crisis, despite all the horrors that the media are predicting yet had no significant effect on the wallets of ordinary Russians. Panic today is more of a theoretical foundation. And, in fact. By raising prices, we have somehow become accustomed. And this process and now is not something like an avalanche, urges us to throw you to the stores and buy bags of grits, flour, matches and salt.

Of far greater concern is manifested in those who managed to postpone plans or some money for a "rainy day", hoping not only for its preservation, but also a certain increase, offsetting at least the dynamics of inflation. And here the picture is quite grim.

Deposits in banks are no longer attractive to people because of the very onerous conditions. The proposed rate of return in percentage cover inflation losses only when you make enough significant amounts (from 100 000 rub. And above). On the other hand, none of the banks aggressively imposed on us favorable terms of the contribution is not guaranteed against bankruptcy. It should be understood that the purpose of these proposals is to increase the money supply only, allowing for some time, prolong the agony, but does not care about increasing revenue ordinary investor. I agree that the share of deposits in financial turnover of a single bank is not so great, but as they say, "even a tuft of wool offshore tax shelter."

Such methods of investing money as mutual funds, also fell short of expectations the ordinary investor. Not only is the wave of scandals that swept Russia in the first half of 2008, largely discredited the very concept of mutual funds actually equate Pif and another pyramid scheme. This resulted in an outflow of funds, even from a fairly reliable funds, when people are tearing fixed-term contracts, in advance, with minor losses resigned - just not to lose the bulk of the savings and not to remain with nothing.

Follow the same events, which were the reflection of the global economic crisis, even negated the projected revenue management companies. And well, if investors were left for at least an interest. According investfunds.ru, «The sharp depreciation of assets, withdrawal shareholders suddenly became apparent gaps in regulation put the Russian asset management market in a difficult position. Broader troubles, the industry still did not know. "If this thing goes on, the control will be nothing, and there is no one" - sad joke, some portfolio managers. "

The situation in the stock market is also precarious. Of course, you can own, bypassing the brokers, try to buy them or sell, the more so because this service is available in virtually any savings bank. Yes, that's just the price of oil falling and stock prices of these financial incorporate offshore business monsters, as Sberbank and VTB, in spite of strong public support steadily declining.

Short-term stock price rises as domestic enterprises on the Russian exchanges, initiated by the actions of the state, the weather, do not. First, the restriction is triggered by the discovery of short positions - that is to sell shares at the most competitive price. Second, even when lifting quotes is the difference between the sale of shares to the population and its purchase from the investor held on with a vengeance consumes the expected profit.

Again, referring to the above named source, "according to our estimates, we should not consider this as the beginning of the upward movement of sustainable trend as the indices of Asian stock markets, first of all, stock quotes, financial and energy companies are coming up mostly on the background of government action to reduce the rates of interbank credit. "