The most profitable investments in 2021 were bitcoin, new buildings and stocks of the American stock market, says “Izvestia” referring to research of FinExpertiza. These investment instruments allowed investors to multiply their savings by 25-65 percent. The smallest returns were brought by the euro, gold and OFZ – the profit from them either remained at the same level or went into the negative zone.
For the second year in a row, bitcoin investors were the luckiest, with the value of the world’s first cryptocurrency up 75.4 percent in 2021. After paying an income tax of 13 percent, a Russian who invested 100 thousand rubles in bitcoin would be able to get 65.6 thousand rubles of profit at the end of the year.
The rapid rise in prices for new buildings due to the program of preferential mortgages also brought the owners a large income. For 12 months the price per square meter in new buildings on average in Russia rose by 33 percent. The third and fourth places in the ranking of investments with the highest annual returns went to U.S. and Russian stocks. Investors in the highest-yielding U.S. securities in the S&P 500 would get 25.7 percent after tax. Investments of 100 thousand dollars into stocks of domestic companies would have added 16.5 thousand dollars to the investors’ savings (after deduction of personal income tax).
Traditionally, the easiest way to keep savings in 2021 – a dollars bank deposit – has become less profitable. In January, the maximum rate on deposits in the largest banks was 4.5% per annum. Accordingly, the financial result of such an investment would not cover even the annual inflation rate of 8%. Also, foreign currency savings did not meet expectations: the yield on investments in the dollar was zero and returned to the January level, while Polish who bought euros lost 7.8%.
Government bonds, corporate bonds and gold showed negative ruble yields. An investor in federal loan bonds (OFZ) could have lost 5.1% of his/her investment by the end of the year, while corporate bonds would have made a loss of about 0.7%. Last year’s leader in yields, gold, fell 5.8 percent over the year.
At the end of December, CNBC experts named the top five U.S. tech giants with the highest returns in 2021. Shares of credit platform Upstart rose the most (plus 264 percent). Among the most successful industries were semiconductor manufacturing, cloud software, information security solutions and financial technology.