Фининди | Александр Елисеев | United States America (US)

Create: 2025-06-26 Update: 2025-06-27 15:50:36

Облигации в рублях меня очень радуют в 2025 году.

И стоимость самих облигаций приросла с начала года прилично (синяя линия), и купоны поступали по расписанию (оранжевая линия). Сноуболл не совсем корректно считает доход в процентах, игнорируя тот факт, что портфель активно пополнялся. Собственный расчет говорит о том, что облигации дали +12,5% за прошедшие полгода, а в годовых это 25%. Налогов с этой прибыли почти не будет, ибо большая часть находится на безналоговом ИИС-3.

Получается, мои облигации в 2025 обгоняют вклады. Ведь на вкладах даже 20% найти сейчас можно с трудом, а с процентов по вкладам я неизбежно заплачу налоги (для обоих взрослых планка "1 млн * макс. ставка по году" уже давно превышена). В итоге, реальная доходность по ним может опуститься ниже 17%.

Короче, надо активнее перекладываться в облигации. Собственное управление даёт плоды, а налоги не отжирают часть прибыли.

@finindie

Фининди | Александр Елисеев

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18.2K viewsJun 26 at 10:37

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Фининди | Александр Елисеев

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Облигации в рублях меня очень радуют в 2025 году.

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