02 Nov 2021

5 мин

Smart finances: how not to lose your savings and increase them?

In the modern world, with its inherent financial instability, the ability to increase savings is becoming a necessity. What is the best way to do this? Alpari analyst Aziz Abdusalomov shared the main secrets of saving money.

In the modern world, with its inherent financial instability, the ability to increase savings is becoming a necessity. What is the best way to do this? Alpari analyst Aziz Abdusalomov shared the main secrets of saving money.

In the modern world, with its inherent financial instability, the ability to increase savings is becoming a necessity. What is the best way to do this? Alpari analyst Aziz Abdusalomov shared the main secrets of saving money.

There are different investment options. Using several of them will allow you not to keep “all your eggs in one basket” and diversify your savings.

There are different investment options. Using several of them will allow you not to keep “all your eggs in one basket” and diversify your savings.

There are different investment options. Using several of them will allow you not to keep “all your eggs in one basket” and diversify your savings.

Here are some points that are worth paying attention to here.

Purchasing shares provides an opportunity to receive income from the growth of successful companies by paying dividends from their profits. Buying securities of large companies such as Apple, Amazon or Google can bring significant income in the long term. Before investing in shares, it is important to conduct a thorough analysis of the company's financial position and its prospects in the market. Profitability will depend on the market situation, as well as the direct actions of the investor (what shares were purchased, what was the risk level, etc.).

Purchasing shares provides an opportunity to receive income from the growth of successful companies by paying dividends from their profits. Buying securities of large companies such as Apple, Amazon or Google can bring significant income in the long term. Before investing in shares, it is important to conduct a thorough analysis of the company's financial position and its prospects in the market. Profitability will depend on the market situation, as well as the direct actions of the investor (what shares were purchased, what was the risk level, etc.).

Purchasing shares provides an opportunity to receive income from the growth of successful companies by paying dividends from their profits. Buying securities of large companies such as Apple, Amazon or Google can bring significant income in the long term. Before investing in shares, it is important to conduct a thorough analysis of the company's financial position and its prospects in the market. Profitability will depend on the market situation, as well as the direct actions of the investor (what shares were purchased, what was the risk level, etc.).

are debt instruments that provide investors with a fixed income in the form of interest. They can be especially attractive for those who prefer more conservative investments or want to reduce the risks of their savings. Choosing bonds with a high credit rating and a variety of maturities can help diversify your investment portfolio.

Each country and company can issue its own bonds (sometimes with different repayment terms), therefore there is no average yield as such. It will vary depending on the category / group of bonds.

Real estate in Uzbekistan is constantly growing in price. Quite interesting from an investment point of view is the acquisition of new buildings, which significantly increase in price by the time construction is completed.

Investing in real estate is another popular way to increase capital. Buying residential or commercial properties can provide a stable income in the form of rent or profit from subsequent sale. However, this type of investment requires significant financial resources and careful market analysis.

• Analyze the company's business model. It is advisable that you understand, at least on a superficial level, what it does, how it looks against the background of competitors, how stable it is. This can be helped, among other things, by studying its financial condition from open sources.
• Find out what the company's growth points are and whether they exist in principle, what potential there is for future development.
• Study the company's management team: who these people are, what is their reputation. How often do top managers and executives change?
• Think about the risks associated with investing in the selected company. They can be completely different: market, operational, financial, reputational. Bonds

• Analyze the company's business model. It is advisable that you understand, at least on a superficial level, what it does, how it looks against the background of competitors, how stable it is. This can be helped, among other things, by studying its financial condition from open sources.
• Find out what the company's growth points are and whether they exist in principle, what potential there is for future development.
• Study the company's management team: who these people are, what is their reputation. How often do top managers and executives change?
• Think about the risks associated with investing in the selected company. They can be completely different: market, operational, financial, reputational. Bonds

• Analyze the company's business model. It is advisable that you understand, at least on a superficial level, what it does, how it looks against the background of competitors, how stable it is. This can be helped, among other things, by studying its financial condition from open sources.
• Find out what the company's growth points are and whether they exist in principle, what potential there is for future development.
• Study the company's management team: who these people are, what is their reputation. How often do top managers and executives change?
• Think about the risks associated with investing in the selected company. They can be completely different: market, operational, financial, reputational. Bonds

Each country and company can issue its own bonds (sometimes with different repayment terms), therefore there is no average yield as such. It will vary depending on the category / group of bonds.

are debt instruments that provide investors with a fixed income in the form of interest. They can be especially attractive for those who prefer more conservative investments or want to reduce the risks of their savings. Choosing bonds with a high credit rating and a variety of maturities can help diversify your investment portfolio.

According to the Central Bank of Uzbekistan, in 2023, the cost of housing on the primary market increased by 39.6% and 26.9% in soum and dollar equivalents.

As we can see, deposits help protect savings from inflation, are a low-risk way to invest money, but cannot bring much profit.

Savings accounts, deposits and other conservative investment instruments provide an opportunity to preserve capital and receive a small but stable income. They can be especially useful for those who prefer to minimize risks or have short-term financial goals.

According to the Central Bank, the interest rate on term deposits was 21.5% per annum at the beginning of 2024, having increased by 1% over the year. When opening through a bank's mobile application, the interest is usually slightly higher. You can put any amount, even the smallest, into a bank account.

If you buy an apartment on the primary or secondary market for its subsequent rental, then this project will pay off in about 8 years, according to data from the Central Bank. Previously, these periods were shorter and amounted to an average of 7 years, but in 2023, rent became cheaper.

Now you can rent an apartment in Uzbekistan for an average of $400 compared to $500, as it was a year earlier.

Investing in investment funds or ETFs provides an opportunity to diversify your portfolio and reduce risks. Funds can invest in a wide range of assets, including stocks, bonds, real estate and even cryptocurrencies. This makes them an attractive tool for a wide range of investors, regardless of their level of experience.

However, earlier, representatives of the regulator warned about the possible formation of a "price bubble" on the Tashkent real estate market. This means that due to the inflated cost of apartments, at some point prices may fall sharply and never return to their previous values.
Now the average cost of a square meter in new buildings in Uzbekistan is $ 1 thousand. In the capital, it is traditionally more expensive: on average $ 1.2 thousand per sq. m.

Choosing the right investment tools and strategies is important for achieving financial stability and success in the future. Start financial planning today to ensure a more sustainable tomorrow!

Don’t use exclusively conservative or, conversely, aggressive investments. Always diversify your portfolio.
No matter how carefully you plan your expenses, there is always a risk of unexpected financial obligations. Therefore, it is important to set aside some money for emergencies, which will be accessible at any time without restrictions. This emergency fund should cover expenses for several months, it can come in handy in the event of job loss or other force majeure.

Increasing savings requires careful analysis, planning and sometimes a willingness to take risks. It is important to develop a personal financial plan, taking into account individual needs and goals, and then periodically revise it in accordance with the changing situation.

Don’t put all your savings into one asset or investment product. Diversification will help reduce the risk of losing money and ensure a more stable growth of your capital.

Prices on the secondary market also increased significantly last year. Thus, in Tashkent, they increased from 10.5 million soums to 14.9 million soums, or from $ 933 to $ 1212 per 1 sq. m. (data from the Central Bank).

are debt instruments that provide investors with a fixed income in the form of interest. They can be especially attractive for those who prefer more conservative investments or want to reduce the risks of their savings. Choosing bonds with a high credit rating and a variety of maturities can help diversify your investment portfolio.

Each country and company can issue its own bonds (sometimes with different repayment terms), therefore there is no average yield as such. It will vary depending on the category / group of bonds.

According to the Central Bank of Uzbekistan, in 2023, the cost of housing on the primary market increased by 39.6% and 26.9% in soum and dollar equivalents.

Real estate in Uzbekistan is constantly growing in price. Quite interesting from an investment point of view is the acquisition of new buildings, which significantly increase in price by the time construction is completed.

Investing in real estate is another popular way to increase capital. Buying residential or commercial properties can provide a stable income in the form of rent or profit from subsequent sale. However, this type of investment requires significant financial resources and careful market analysis.

Investing in investment funds or ETFs provides an opportunity to diversify your portfolio and reduce risks. Funds can invest in a wide range of assets, including stocks, bonds, real estate and even cryptocurrencies. This makes them an attractive tool for a wide range of investors, regardless of their level of experience.

Savings accounts, deposits and other conservative investment instruments provide an opportunity to preserve capital and receive a small but stable income. They can be especially useful for those who prefer to minimize risks or have short-term financial goals.

According to the Central Bank, the interest rate on term deposits was 21.5% per annum at the beginning of 2024, having increased by 1% over the year. When opening through a bank's mobile application, the interest is usually slightly higher. You can put any amount, even the smallest, into a bank account.

As we can see, deposits help protect savings from inflation, are a low-risk way to invest money, but cannot bring much profit.

Don’t use exclusively conservative or, conversely, aggressive investments. Always diversify your portfolio.
No matter how carefully you plan your expenses, there is always a risk of unexpected financial obligations. Therefore, it is important to set aside some money for emergencies, which will be accessible at any time without restrictions. This emergency fund should cover expenses for several months, it can come in handy in the event of job loss or other force majeure.

Choosing the right investment tools and strategies is important for achieving financial stability and success in the future. Start financial planning today to ensure a more sustainable tomorrow!

Don’t put all your savings into one asset or investment product. Diversification will help reduce the risk of losing money and ensure a more stable growth of your capital.

Increasing savings requires careful analysis, planning and sometimes a willingness to take risks. It is important to develop a personal financial plan, taking into account individual needs and goals, and then periodically revise it in accordance with the changing situation.

According to the Central Bank of Uzbekistan, in 2023, the cost of housing on the primary market increased by 39.6% and 26.9% in soum and dollar equivalents.

However, earlier, representatives of the regulator warned about the possible formation of a "price bubble" on the Tashkent real estate market. This means that due to the inflated cost of apartments, at some point prices may fall sharply and never return to their previous values.
Now the average cost of a square meter in new buildings in Uzbekistan is $ 1 thousand. In the capital, it is traditionally more expensive: on average $ 1.2 thousand per sq. m.

Now you can rent an apartment in Uzbekistan for an average of $400 compared to $500, as it was a year earlier.

If you buy an apartment on the primary or secondary market for its subsequent rental, then this project will pay off in about 8 years, according to data from the Central Bank. Previously, these periods were shorter and amounted to an average of 7 years, but in 2023, rent became cheaper.

Prices on the secondary market also increased significantly last year. Thus, in Tashkent, they increased from 10.5 million soums to 14.9 million soums, or from $ 933 to $ 1212 per 1 sq. m. (data from the Central Bank).

Investing in real estate is another popular way to increase capital. Buying residential or commercial properties can provide a stable income in the form of rent or profit from subsequent sale. However, this type of investment requires significant financial resources and careful market analysis.

Investing in investment funds or ETFs provides an opportunity to diversify your portfolio and reduce risks. Funds can invest in a wide range of assets, including stocks, bonds, real estate and even cryptocurrencies. This makes them an attractive tool for a wide range of investors, regardless of their level of experience.

Savings accounts, deposits and other conservative investment instruments provide an opportunity to preserve capital and receive a small but stable income. They can be especially useful for those who prefer to minimize risks or have short-term financial goals.

According to the Central Bank, the interest rate on term deposits was 21.5% per annum at the beginning of 2024, having increased by 1% over the year. When opening through a bank's mobile application, the interest is usually slightly higher. You can put any amount, even the smallest, into a bank account.

As we can see, deposits help protect savings from inflation, are a low-risk way to invest money, but cannot bring much profit.

Don’t use exclusively conservative or, conversely, aggressive investments. Always diversify your portfolio.
No matter how carefully you plan your expenses, there is always a risk of unexpected financial obligations. Therefore, it is important to set aside some money for emergencies, which will be accessible at any time without restrictions. This emergency fund should cover expenses for several months, it can come in handy in the event of job loss or other force majeure.

Don’t put all your savings into one asset or investment product. Diversification will help reduce the risk of losing money and ensure a more stable growth of your capital.

Choosing the right investment tools and strategies is important for achieving financial stability and success in the future. Start financial planning today to ensure a more sustainable tomorrow!

Increasing savings requires careful analysis, planning and sometimes a willingness to take risks. It is important to develop a personal financial plan, taking into account individual needs and goals, and then periodically revise it in accordance with the changing situation.

Real estate in Uzbekistan is constantly growing in price. Quite interesting from an investment point of view is the acquisition of new buildings, which significantly increase in price by the time construction is completed.

Prices on the secondary market also increased significantly last year. Thus, in Tashkent, they increased from 10.5 million soums to 14.9 million soums, or from $ 933 to $ 1212 per 1 sq. m. (data from the Central Bank).

However, earlier, representatives of the regulator warned about the possible formation of a "price bubble" on the Tashkent real estate market. This means that due to the inflated cost of apartments, at some point prices may fall sharply and never return to their previous values.
Now the average cost of a square meter in new buildings in Uzbekistan is $ 1 thousand. In the capital, it is traditionally more expensive: on average $ 1.2 thousand per sq. m.

If you buy an apartment on the primary or secondary market for its subsequent rental, then this project will pay off in about 8 years, according to data from the Central Bank. Previously, these periods were shorter and amounted to an average of 7 years, but in 2023, rent became cheaper.

Now you can rent an apartment in Uzbekistan for an average of $400 compared to $500, as it was a year earlier.

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