Скільки можна заробити в Україні на депозитах, валюті, ОВДП, золоті, криптовалюті та нерухомості, What risks and pitfalls accompany such investments?
Read about it in RBC-Ukraine's review.
For most Ukrainians today there are not so many options investment. Among the traditional ones are deposits and currency purchases. For more “sticky” investors – sovereign position bonds (TSB) and bank metals. Among the risky investment instruments is cryptocurrency. Even more expensive to enter – indestructible.
Buying currency
Take a look at the official hryvnia exchange rate for 2025 – and at 45.8 hryvnia per dollar (according to the IMF forecast) and 45.0 (based on the draft state budget 2025) – purchasing dollars at the current rate of 41.5 UAH bring it to fate potentially 10.3% profit. With the adjustment of conversion rates, the spread can be increased by 10% of the market.
The budget forecast for average inflation for 2025 is 9.7%. Thus, the incidence of inflation and devaluation is even close to one. This will be a guideline for the profit-free investment.
Deposits
On a hryvnia deposit for 12 months you can earn up to 13% in real money. It’s true, you need to remember that you will have to pay taxes in order to earn money. Tax rate 19.5% – income tax 18% and military tax 1.5%. This means that the net profit for such a deposit in the spring of 2025 will be 10.6%.
If in the spring of 2024 in Ukraine the tax collection rate is set to 5%, then the payment from the profits for deposits will be 23% – income tax 18% and military tax 5%. At this time, the net profitability of the hryvnia river deposit under 13% of the stock is 10%.
This is just a few pennies above the budget target for inflation for 2025.
A foreign currency deposit for a rik can bring up to 1.1% income. From now on you will also need to pay taxes. For the level of tax revenue of 19.5%, the net profit of such investments in the spring of 2025 is 0.9%. For the tax revenue of 23%, the net income is about 0.8% of the river ones.
With the insurance devaluation of about 10%, the hryvnia income from the foreign currency deposit can reach 10.9% (or 10.8% ), What is better than the budget target before inflation.
The risks of such investments are even lower, since all deposits during the military period are guaranteed by the state.
OVDP
Today, the profitability of hryvnia OVDP is at the level of 13-17% of the real lines of bond repayment. Income withdrawn from the OVDP is not subtracted, and is therefore a net income. And this is clearly due to the impact of inflation and devaluation. And also more for potential income from a foreign currency deposit.
The profitability of foreign currency OVDPs ranges between 2.5 – 3.5% of the river ones. With the current devaluation in place, the average level of potential river income can be estimated at 13%. The risks of such investments are as high as daily. For internal debts, the country can make payments in the future.
Gold
In spite of the influence of the world's central banks on monetary policy and the reduction of rates, gold retains the potential for growth, without affecting the current history exact maximum price level (2590 dollars . per troy ounce).
The potential for gold growth from flowing rivers can add up to 11% of river ones. Insurance linking the price of gold to the dollar exchange rate, as well as the potential rate of devaluation of the hryvnia, which gives a potential income of 21% of the market.
Ale risks are still being lost, because the price of gold is fluctuating and may fall when the penny policy of world central banks changes. What is the value of so-called non-delivery gold? If we are talking about physical gold (bank currency), then it is necessary to pledge up to 30% of additional deposits on bank commissions, which can reduce the profitability of such investments to 14%.
Cryptocurrency has a very high growth potential, However, it is an even more volatile and risky instrument.
Let’s take a look at a hypothetical version of the increase in the price of Bitcoin from exactly 63 thousand. dollars close to 73 thousand to its historical highs. dollars This gives a potential river income of approximately 15.8%. With the devaluation cycle expected in 2025, the profitability of such investments could reach 25.8% or more.
In this case, you can remove the excess if the price of Bitcoin falls by more than 10%. And more importantly, it is impossible to predict the price of Bitcoin, so the costs may be 30%, 50%, or more than the investment amount.
Intact
Recent trends in the intangibility market in Ukraine, deposit but in the region, they can potentially ensure the profitability of such investments at the rate of 3% to 5% of the rate in dollars.
Undervalued objects with a growth potential of up to 20% Moreover, it is important for them to be located in an area of even high risks (for example, the infirmity of Kharkov) and can realize their investment potential after the war. There are in the outlying regions of Ukraine that are already overheated and have potential for decline after the end of the war.
The major shortfall of such investments is a very high entry threshold.
Meanwhile, potentially, insurance devaluation, the profitability of such investments can be estimated at about 13-15% of the hryvnia.
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The text was prepared on the basis of analytical data provided by financial analysts ITICOM Andriy Shevchishin
