How to keep money for a rainy day

A «safety cushion» may be required at any time, therefore, it is usually kept in a deposit (savings account) and in the currency in which the main expenses are made. But if desired, any investor can create a low-risk portfolio of different ETFs, which will help protect savings from inflation, earn more than on a deposit, and withdraw funds without losses when they are needed. Here are three FinEx funds for building a balanced portfolio that suits your savings.

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FXMM includes Treasury Bills, which have an AAA credit rating and are considered the safest investment. The fund uses a ruble hedging mechanism. You can read more about how hedge ETFs work.

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FXIP includes reliable US Treasury inflation-protected bonds. The fund is also protected from currency risk and, in the event of a difference in interest rates in Russia and the United States, it can bring additional profitability to the investor.

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FXRB consists of Eurobonds of the largest and most reliable Russian companies. Among them are Gazprom, Russian Railways, Sberbank, VTB, Lukoil and other large Russian issuers.

With the help of this fund, the investor earns by increasing the price of bonds, automatically reinvesting coupons on them and ruble hedging.

To protect your portfolio from market drawdowns (in the case of an airbag, this is especially important), it is recommended to use several funds at once for better diversification. With the help of the constructor on the FinEx website, we

For a period of just over a year (from April 11, 2020 to August 9, 2021), such a portfolio showed an average annual return of 9%, and the expected return on investment was 7% per year. However, it has excellent risk characteristics:

In other words, the collected portfolio does an excellent job of saving capital and allows you to achieve a return in excess of the interest on a bank deposit (current

Not an individual investment recommendation. Investing involves risk. You need to compose a portfolio taking into account your