Investing in 2025: 5 Best Income Generating Tools

Contents:

• Why deposits and bonds provide limited returns
• Real estate: risks and alternatives
• Stock market: how to earn 20-30% per annum
• Currency vs. Gold: Which Is More Profitable?
• Tools for Beginners with Small Capital

Why deposits and bonds provide limited returns

Do you think a bank deposit is a reliable A safe haven for savings in 2025? Unfortunately, even the best offers in BYN (up to 10%) barely outpace inflation (7.2%). And DIA insurance only covers up to 5,000 BYN. Bonds look more attractive, especially corporate ones, but their yields also have a ceiling.

• Belarusian corporate bonds (for example, Aigenis Op22) provide up to 18% per annum with payments every quarter.
• Belarusian government bonds are stable, but yields rarely exceed 12%.

It's time to look beyond traditional instruments if the goal is real capital growth.

Real Estate: Risks and Alternatives

The Minsk real estate market looks overheated in 2025. Buying square meters for rent has become unprofitable, and selling an apartment quickly is a real quest. High-interest mortgages are also not an option. Where can one turn to for income? Consider modern alternatives that don't require millions and years of waiting for payback.
Alternatives:

• REIT funds through foreign brokers (e.g., XTB): investments in EU commercial real estate with dividends of 5-7%.
• Local projects: equity participation in the construction of logistics centers at 15% per annum (requires verification of the legal entity through the Russian Central Securities Depository).

Stock market: How to earn 20-30% per annum

The stock market in 2025 is not a place of fear, but a field of opportunity for Belarusians. Thanks to simplified access to foreign markets through mobile brokers, anyone can earn money on global giants or promising Belarusian companies. You don't need to be a guru: passive investing strategies in ETFs or choosing reliable growth stocks can generate 20%+ per annum. The main thing is diversification and cold calculation.
Options for Belarusians:
Foreign stocks/ETFs through brokers (XTB, EasyEquities):

• Buying S&P 500 shares (for example, ETF VOO) - historical return of 10-12%.
• Growth stocks: Ozon (+21% in six months) or X5 Retail Group.

Belarusian shares:

• Priorbank (ticker: A12) — market price of 4.2 BYN with a par value of 0.7 BYN.
• AVANGARD LEASING — bonds at 23% per annum.

Advice: Diversify your portfolio (70% — global ETFs, 30% — high-yield local bonds).

Currency vs. Gold: Which is More Profitable?

Keep your savings "under the mattress" in dollars or buy a gold coin "for a rainy day"? In 2025, both options are more about capital conservation than capital growth. Gold is trading sideways, and foreign currency doesn't earn interest. But there are nuances: physical gold loses value when sold, while foreign currency allows for quick entry into high-yield instruments. Where is the balance and are there any modern replacements?
Gold

• Physical bullion loses 20% of its value upon resale due to defects.
• Gold ETFs (e.g. GLD) are more convenient, but the yield in 2025 is only 3-5%.

Currency

• Dollar/Euro: protection against BYN devaluation, but zero yield without : investing.
• Tokens: digital assets on the finstore.by platform - yield up to 15-40%, without tax.

Tools for beginners with small capital

You can start investing in 2025 even with a small amount! Forget the stereotypes that you need tens of thousands of dollars. Thanks to microinvestment technologies through applications, affordable participation in promising local projects (crowdlending) and government bonds with a low entry threshold open the doors to the financial market for everyone. Your first step to capital can cost less than a nice dinner at a restaurant.
Microinvesting through apps

• XTB: minimum deposit $1, fractional shares of Apple, Tesla.
• EasyEquities: ETF with a commission of 0.3% per transaction.

Crowdlending

• Finstore.by: investments in startups from 50 BYN at 10-25% per annum.

Government Programs

• Aigenis Bonds (500 BYN) — 18% per annum with quarterly payments.