Чего лучше не делать в 2024 году! Куда нести деньги? Главные новости недели с Ольгой Гогаладзе

Summary

The video discusses financial news and investing advice for 2024. It covers topics like the rising dollar exchange rate, record high interest rates in Russia making it a good time to save money, new methods of credit card fraud to watch out for, dividends from Sberbank, Fix Price and HNRS, and an overview of cryptocurrency news including new Bitcoin ETFs. The host also promotes her YouTube channel, a course on personal finance, and a free lesson on six ways to profitably invest in 2024.

Takeaways

• 😀 In December 2022, Russians bought a record amount of dollars, ahead of potential sanctions.
• 😮 The government plans to buy $600 billion in foreign currency this year to support the ruble if needed.
• 📈 Over 850,000 new individual entrepreneurs registered in Russia in 2022.
• 💡 A new tax-advantaged investing account type launched in Russia, attracting high interest.
• 🏦 Sberbank reported record profits of 1.4 trillion rubles for 2022.
• 😐 The Central Bank expects lending rates to rise due to increased reserve requirements.
• 🔥 A fire at a Wildberries warehouse may impact gasoline supply and prices.
• ⚠️ Two new financial fraud schemes related to social media and fake online stores emerged.
• 📉 The Central Bank doesn't plan to cut rates soon, but that would help dividend stocks.
• 💸 33.8% of Russians have savings plans for 2024, up from 28% last year.

Q & A

What was the record number of new individual entrepreneurs opened in Russia in 2023?

86,000 new individual entrepreneurs were opened in Russia in 2023, up from 89,000 in 2022.

What percentage of Russians surveyed by Sber Life Insurance have passive income?

24% of Russians surveyed by Sber Life Insurance reported having passive income.

What is the full cost of credit for loans and how will it impact borrowers?

The full cost of credit includes all fees and services that impact the interest rate. By factoring these in, borrowers will see the true cost of borrowing. This may make people more responsible with loans but also reduce access to loans.

How many people are expected to be involved in the long-term savings program by 2030?

9 million people are expected to be involved in the long-term savings program by 2030 according to the Central Bank of Russia.

What is the forecast for interest rates on loans in 2024?

The Central Bank of Russia expects interest rates on loans to increase in 2024, not by raising rates but by increasing reserve requirements for banks, making lending less profitable.

What notable global sanction updates were provided?

The US sanctioned 17 oil tankers registered in Liberia and a shipping company in the UAE for transporting Russian oil. This could impact Russia's oil revenue and the ruble exchange rate.

What updates were provided on the Yandex company?

Yandex stock rose as the company announced it is fully moving operations to Russia, reducing uncertainties about its structure going forward.

What noteworthy crypto updates were covered?

Binance closed all Russian rubble transactions after January 31st. Also, Bitcoin ETFs attracted $1 billion in assets in 2 days, allowing mainstream funds to invest in Bitcoin.

What investing opportunities were highlighted for 2024?

Good dividend opportunities were noted in Sberbank, Fix Price, HCS, and Russian Seafood Company. Continued growth is expected in US tech stocks incorporating AI.

What was the overall message or conclusion?

The message was that 2024 has very high interest rates, making it a good time to save and invest vs borrow money. Resources were provided for profitable investment strategies this year.