It is easier for young people to invest: they can take risks and invest in business, venture projects, trade currencies, and participate in initial public offerings. They have a whole life ahead of them, and possible losses from investments can be easily compensated for with newly earned money. Another thing is elderly people who have gained life experience and accumulated capital. On the one hand, there is no desire to risk a lot of money, and financial goal No. 1 is to keep their savings. But on the other hand, few people will refuse to increase savings without exposing them to investment risk.

Where to invest money to a pensioner, who faces approximately the following financial tasks:
not to let savings depreciate;
to have a passive income;
protect savings from the crisis.

And an additional, especially important for a person in old age requirement for investments – the ability to quickly claim the invested money, preferably without significant losses of accumulated income. Not all assets have liquidity. For example, real estate, art objects and low-yield bonds cannot be sold quickly and profitably.

At the same time, no one canceled diversification: no matter how old the investor was, the portfolio should be multidirectional. Another thing is that the proportions are different: the older the investor, the higher the share of risk-free instruments. If the owner of the capital at the same time also has a conservative investment profile, then his choice is a “safe harbor”.

Investment options for pensioners

From 90 to 100% of the capital should be invested in financial instruments not only with a mandatory return of all funds, but also with a guaranteed income, albeit fixed:

Deposits of reliable banks;
protective structured products;
government bonds.
Deposits
It is better to choose a deposit with the possibility of expenditure operations (replenishment, partial/full withdrawal of funds) and preservation of income in case of early withdrawal. The rate on such deposits is lower than the market average by 1-1.5%, but the opportunity to get your money at any time and not lose the accumulated income is worth it.
Protective structured products

Protective structured products are a ready-made complex investment, the structure of which may include deposits, precious metals, stocks, bonds, mutual funds, currency and other assets. It has a definite term and brings a fixed yield, which is usually higher than on bank deposits. Protective structured product guarantees return of invested capital and is excellent for conservative investors. In BCS Premier clients have access to several dozens of protective structured products and the possibility to develop them on individual terms with the choice of the underlying asset. Despite the apparent complexity, a structured product is an excellent way to profitably invest money for pensioners, as it does not require special investor skills, is almost as simple as a conventional deposit, has convenient terms (from 3 months) and is several percent more profitable than a deposit.

For example, the investment “Participation Online” can bring up to 15% per annum with the amount of investment of only 100 thousand rubles for 12 months.

Government bonds

It is possible to recommend that a pensioner invest his money in government bonds only if he is not concerned about the relative long-term nature of such an investment – 3 years or more. Recently, the authorities have been trying to convince citizens that investments in government debt securities are more reliable and profitable than deposits.

The Ministry of Finance of the Russian Federation even plans to revive federal loan bonds oriented at pensioners. Yes, government bonds are really reliable and bring a good income, but many pensioners, remembering the 90s of the last century, still prefer them to deposits in banks from the top-3.

OFZ, in which it is possible to invest money to a pensioner in 2017
Already the other day, in April, the state will issue federal loan bonds for individuals. At the end of the circulation period (from one to three years), the bondholder will receive interest income and return the money paid for them. The interest rate will be about 8.5% per annum. Coupon payment is made every 6 months, without income tax. Each bond will cost 1 thousand rubles, the minimum purchase is 30 bonds.

Investment portfolio for a pensioner

In order to invest money profitably, it makes sense for pensioners with a capital of 500 thousand rubles or more to form an investment portfolio. It can consist of two or three investment instruments, or be more diversified. The advantage of this approach is not only in the capital protection, but also in the possibility to include in the portfolio a small share of high-risk assets – shares and derivative financial instruments (futures, options). They can be 5-10% of the portfolio, which does not threaten the main capital, and in case of a favorable outcome will allow to earn good money. For the rest of the portfolio you can choose the deposits, structured products and bonds already mentioned above. Savings in foreign currency and precious metals can keep them company.

If knowledge and skills are not enough to compile an investment portfolio on your own, a professional – a financial advisor of BCS Premier – will help you do it. Together with him, the client defines his financial goals, determines the timeframe for achieving them, and depending on them, assets are selected.

Summarizing, we note that pensioners who do not have a rich experience of private investment, it is most profitable to invest money with the purpose of their reliable preservation and obtaining a low but stable income. Stocks, mutual funds, and currency speculation are better left to younger or more experienced investors.