Чем кризис грозит экономике РФ и лично вам? Часть 3
В предыдущих двух постах мы разобрали 5 рисков, которые несет кризис для экономики РФ. Кратко напомним:
1. Падение цен на нефть=> дефицит бюджета=> введение налога 13% на доход с депозитов и долговых бумаг, если вложения в них больше 1 млн рублей. Если это не поможет, то государство возьмется и за менее обеспеченных граждан.
2. Малый бизнес под угрозой. Многие из бизнесов не переживут 2020 год.
3. Изменится рынок труда: Часть профессий исчезнут, часть полностью переведены в онлайн. Реальный уровень доходов и зарплат станет ниже.
4. Уже пошел массовый отток приезжего населения из городов-миллионнико обратно в провинцию=> усугубится ситуация в сфере обслуживания, ведь бизнес начнет массово терять клиентов.
5. Возможно падение цен на аренду в крупных городах в связи с оттоком населения. Ставки ипотеки будут расти, а получить ее будет сложнее
6. Курс доллара. Доллар будет находиться в коридоре 72-82 рубля, хотя возможны пробои вверх до 90 или даже до 100 рублей.
И теперь еще 3 риска для вас:
7. Введение карантина стало отличным поводом для усиления фискального контроля над гражданами страны и начала «мягкой» национализации. Готовьтесь к тому, что в ближайшее время государство будет видеть все ваши движения по счетам и строго спрашивать, если увидит что-то подозрительное. Например, банки будут отчитываться в ФНС о суммах на ваших счетах (для этого в том числе и введен налог на депозиты), и если налоговики увидят несоответствия размера депозита и вашего дохода, то вызовут «на ковер».
Поэтому старайтесь максимально «обелить» свою деятельность, имейте запас наличных и и/или криптовалюты. Спрос на последнюю, кстати, может вырасти в связи с текущими событиями.
8. Банки, пытаясь компенсировать падение выручки, будут вводить новые комиссии и повышать тарифы - как для «физиков», так и для бизнеса. При этом взрывного роста ключевой ставки (а следовательно и ставки по депозитам) пока ждать не стоит.
9. В связи с возросшими экономическими рисками, получить кредит станет сложнее, а ставки по кредитам вырастут. Касается и «физиков», и бизнеса. Соответственно вырастет спрос на заемные деньги со стороны бизнеса. Однако и риски невозврат возрастут пропорционально. Это значит, что к выбору заемщиков нужно будет подходить в разы тщательнее. Либо сильно диверсифицировать портфель с помощью краудлендиговых платформ.
Понимаем, что рисков много, но вам в любом случае нужно сохранять спокойствие.
А спокойствие поможет создать проверенная стратегия действий.
Действий, которые не только позволят сохранить свои активы, но и приумножить их в период кризиса.
Для этого приходите на наш бесплатный онлайн-семинар по инвестированию, несмотря на кризис и самоизоляцию. В эфире разберем, как оптимизировать до 30% расходов.
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А в следующем посте мы разберем, что же вам делать в кризис, учитывая все риски.
Money Skill
قنوات مشابهة
Understanding 'Money Skill': Financial Literacy for Everyone
In today's increasingly complex financial landscape, the importance of being financially literate cannot be overstated. 'Money Skill' refers to the essential abilities and knowledge that allow individuals to manage their financial resources effectively. This encompasses everything from budgeting and saving to investing and understanding credit. Financial literacy is more than just a buzzword; it is a critical skill set for individuals to navigate the modern economy successfully. With the rise of consumer debt and the prevalence of financial scams, developing strong money management skills is essential for fostering personal wealth and preventing financial distress. This article aims to elucidate the concept of 'Money Skill,' highlight its significance, and provide insights into how individuals can cultivate these important abilities to secure their financial futures.
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