You’ve saved your first 10,000 rubles — great job! 🎉
Now you’re wondering: What do I do with it? Should I invest it? If yes, how?
Let’s explore the best beginner-friendly options to invest your first 10,000 rubles safely and wisely.
Why Invest at All?
Because saving money is good, but inflation (see previous article 👆) slowly reduces its value. Investing helps your money grow over time and beat inflation.
1. Brokerage Account + Stocks or ETFs
📈 What it is:
A brokerage account lets you buy and sell stocks, ETFs (exchange-traded funds), and bonds.
✅ Pros:
- Low entry: You can start with 1,000–5,000 rubles
- ETFs allow you to invest in a basket of companies (less risk than single stocks)
- Many platforms are beginner-friendly (like Tinkoff, Sber, or VTB)
⚠️ Tip: Start with ETFs — they’re safer for beginners than picking individual stocks.
2. Individual Investment Account (IIA / ИИС)
🏦 What it is:
An IIA is a special investment account in Russia that gives tax benefits when you invest.
✅ Pros:
- Tax deduction up to 13% (great bonus!)
- Encourages long-term investing
- Can be used to buy bonds or ETFs
📌 Note: You must keep the money in the account for 3 years to get the full tax benefit.
3. Government or Corporate Bonds
💼 What it is:
Bonds are like loans you give to the government or companies. In return, they pay you interest.
✅ Pros:
- Lower risk than stocks
- Regular income (interest payments)
- Start from as little as 1,000 rubles
🟡 Tip: Look for OFZ (Federal Loan Bonds) — safe and backed by the government.
4. High-Interest Savings Account or Deposit
🏦 What it is:
If you’re not ready for investing, put your money in a high-yield deposit account.
✅ Pros:
- Safe and guaranteed
- Earns more than keeping money at home
- Can be withdrawn anytime (if not fixed-term)
⚠️ Downside: The profit is small, and it may not beat inflation — but it’s still better than doing nothing.
5. Invest in Yourself
🎓 What it is:
Use part of your money to buy a course, book, or skill that improves your career or personal growth.
✅ Pros:
- Better job = more income
- Learning = long-term return
- Safe and always worth it
📚 Example: Buy a course on financial literacy, Excel, or a foreign language.
How to Start?
- Set a goal – Are you investing for the short term or long term?
- Choose your risk level – Higher returns usually mean higher risk.
- Diversify – Don’t put all your 10,000 rubles in one place.
- Start small, stay consistent – Even 500 rubles monthly adds up.
Final Thought
You don’t need to be rich to start investing. You just need to start. Your first 10,000 rubles is your ticket into the world of financial freedom.
Small steps today = big results tomorrow.