Poor Dad
If Ukrainian citizen for five years, monthly postponed for 10% of their salary for deposit in the U.S. …
If ordinary Ukrainian citizen for the past five years, monthly postponed for 10% of their salary on deposit in dollars, it could save about 47 thousand UAH. Reserve in gold bullion during the same period amounted to only 17,7 thousand UAH.
Even fewer investors would have gained by delaying the money in a deposit account in UAH: 12,1 thousand UAH for five years. By investing in the stock market (PFTS) and mutual investment funds, it would have saved 11 thousand UAH. Investments in the secondary property market would have enabled him to collect 7 thousand UAH.
These data - the results of its own editorial research. We asked the question: can the average Ukrainian to become a millionaire within a few years, following one of the main board of the Western financial guru: regularly investing 10% of their income. Most of the foreign financial advisers insist that even with meager income for only 5-10 years can save a million, most importantly - permanently reinvest the profits.
Certainly, our study rather simplistic and ignores several important factors. First, the share of investments (10% of revenue), we calculated on the basis of the official average wage, calculated by Goskomstat. Naturally, these figures are understated and do not reflect the actual compensation of Ukrainian citizens. In 2005, the average official salary was UAH 640.86. For the depressed regions, this amount of remuneration in line with the principle of reality, but that”s for megacities - is unlikely. However, the average income in certain depressed areas could be even higher: people often receive additional livelihood from small individual cases (the resale of goods, fruit and vegetables, providing services).
Secondly, the accumulation nashogo hypothetica1000l investor with investments in real estate or index PFTS - speculative. We calculated the monthly returns for each of these tools and added the interest earned to monthly savings. But in reality, put on 100 - 200 USD in real estate or the stock market is impossible. These markets are preferable to operate with sums of 100 thousand, and not hryvnia and the U.S.. But smaller investments are possible in the deposit market, in some cases - on the market share investment funds.
However, we took into account the first factor and further calculated the average accumulation of Ukrainian on the basis of possible real, and not the official salaries. Supposedly, in December of 2009, average salary was not 1955 UAH, as reported by Goskomstat, but twice - 4000 UAH (including payments in envelopes). But in this case, the five-year savings would be small: 94 UAH - deposits in dollars, 35 thousand UAH - gold, 24,2 thousand UAH - UAH deposits, 22 thousand UAH - mutual investment funds, 14 thousand UAH - Real Estate.
Why
amount is not so great? In order to save a million for 5-10 years, required to invest not 100 or 400 USD per month, and 100 thousand UAH annually. This rate of return should be not less than 10%. When such return and the amount of investment to become a millionaire really is the seventh year of savings. By the end of the tenth year the total amount will reach 1.7 million UAH.
The majority of our citizens do not have 100 thousand UAH. With our average level of income (say, 4 UAH per month) we will have to save a million hryvnia for … 81 years. And at the same rate of return should not fall below 10%.
way, the stability of financial markets - the dream of every conservative investor. The above-mentioned 47 thousand UAH, accumulated in a deposit account in a U.S. investor with goskomstatovskim “income, in fact very lucky for him. This money has actually been collected only from the devaluation of the hryvnia: just a few months at the end of 2008 - the beginning of 2009 the national currency has lost 38% of its value, and the relatively small amount of savings (about $ 6 thousand) suddenly changed from 30 thousand UAH 47-48 ths.
But more domestic investors seek failure. The small accumulation of up to five-year plan for investments in the stock market or open mutual funds - the result of a sharp fall in asset values. In December 2007, our hypothetical investor who invested part of their income in the PFTS index, collected 9,5 ths. If the market continued to grow, by the end of 2009, an investor could withdraw the amount of 15-20 thousand UAH. But by October of 2008, two thirds of his savings were burned - by the time the investor was only 3185 USD. The same situation with PIFami. Three consecutive years, investments in public funds brought investors an average of 42% per annum, but in 2008, investors lost a third of its capital.
But if investment in Ukraine - as a risky business, perhaps more profitable to save money “under the mattress? Not in the least profitable. According to our calculations, mattress investment over the last five years would bring investors around 8 thousand grn - little more than an investment in the crumbling secondary property.
actually need to invest. The key to investing in Ukrainian realities - to continuously monitor the profitability of the tool, to analyze its reliability. This, at first glance, the simplest rule, many domestic investors for some reason did not follow, when in 2008, collapsed the stock market and investment funds market, and in 2009 - a few large banks.
Elena Shkarpova
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