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OFZ or deposit???
I will warn you right away. The topic is not mine, but very relevant and fashionable))) If you want to use annual bonuses in investments, which is better - for the next 5 years from 2025 or OFZ (5 years). ? Calculated for today, October 13, 2024. 5 million will buy 6850 units in your area. (5 million: 729 rubles / piece = OFZ pieces) To use the OFZ income, you need to calculate it as follows: So, from 6850 2029 (535 thousand rubles + million returns the body up to 100% repayment. = 4,275,000,000 invested in OFZ. At the same time, 535,000 rubles are withdrawn annually. Depending on your personal needs))) for the next 5 years, and maybe longer. Of course, from 2025 the deposit rate will be 20%, and by the end of 2025 it will exceed 5 million. In 2026 we will keep the deposits, but at 15% (Nabiullina beats inflation...). Then until the end of 2026. +. 10% in 2027 = 5% in 2028 =., 5% in 2029 = Please tell me, because I may not have taken this into account...