Who is the biggest literary spender? 8 approaches to spending from the heroes of everyone's favorite books

2024 Author: Malcolm Clapton | [email protected]. Last modified: 2023-12-17 03:44

Keeping money under your pillow is not the most profitable strategy. But you also need to invest them wisely in order to increase your fortune, and not lose it. Together with, we figured out investment strategies using the example of heroes familiar to everyone from school.

1. Ostap Bender

Where: The Golden Calf, 12 Chairs, Ilya Ilf and Evgeny Petrov

Adventurous and very active - chairs today, bitcoins tomorrow! An investor of this type is constantly chasing profit, making tricky combinations and being led on dubious offers. He may know 400 relatively honest ways to get rich, but he doesn't have a deep understanding of where to invest.

Bender does not have a goal that would determine the choice of investment instruments and the period for which it is planned to invest money. He can easily get a loan to buy shares in the hope that he will close it after a couple of successful deals - even with chairs, even with banknotes. But the growth rate of securities is difficult to predict. When the purchase of shares does not bring the desired result, the great strategist has to come up with not great financial schemes, but a banal plan to pay off the loan with the bank, and he is ready to do anything - even marry a wealthy widow.

Bender likes to take risks and invests in the shares of one (but very promising) company. Although it would be more correct to form an investment portfolio in which money is distributed between different assets: stocks, bonds, currency.

Learning to invest from scratch can be tricky. You can get started in the SberBank Online application. The section "" presents various ready-made investment solutions developed by professionals. You can start working with securities by opening with a ready-made strategy. With it, you can receive income from investments and an annual tax deduction of 13% on contributions (up to 52,000 rubles annually). Funds can be invested in government bonds, as well as shares and bonds of large Russian companies. The initial payment when opening an online account is 10,000 rubles.

2. Evgeny Bazarov

Where: Fathers and Sons, Ivan Turgenev

The main nihilist of Russian literature, Bazarov, does not want to get involved with either banks or stock markets: he is sure that he will be deceived there. He prefers to keep his money in a bank (in a three-liter one!), Despite the fact that inflation eats up part of his savings. But our hero does not take into account that even hard currencies like the dollar and the euro are gradually depreciating. For example, in June 2011, $ 1,000 had the same purchasing power as $ 1,203 in June 2021. Simply put, cash hidden 10 years ago cannot be used to buy what it was then.

And Bazarov's savings are not protected from burglars, fires and banal moisture in the house. But as a true nihilist, he believes that this will not happen to him.

3. Ilya Oblomov

Where: Oblomov, Ivan Goncharov

Oblomov all day long selflessly dreams of getting rich. Then he turns over on the other side - and dreams again. He is well versed in materiel: he quotes the biography of Warren Buffett and can tell how stocks differ from bonds, and options from deposits. True, he does not apply theoretical knowledge in practice - Oblomov is even too lazy to open an investment account. Although now you don't need to get off his famous couch to do this - in some banks you can do it online.

Friends are trying to help Oblomov and advise him how to invest money profitably. Falling in love, he even rises from the couch, decides to solve financial issues and build a happy family life. But when things get serious, they back down. As a result, Oblomov remains an eternal sofa theorist.

4. Konstantin Levin

Where: Anna Karenina, Lev Tolstoy

The landowner and the best friend of the peasants, Lyovin, also has start-up capital, but he does not waste money. He works hard to succeed in his business, keeps track of income and expenses, and prefers a measured and calm life to luxury. At the same time, money is not an end in itself for him: he can easily refuse dubious investments. Financial pyramids, loans for the purchase of securities, risky instruments, in which he does not understand, are definitely not his.

Levin analyzes his mistakes and draws conclusions from them. He thinks about the future, for example, he has already opened an individual pension plan in order to form an additional pension. He chooses assets for investment carefully. Levin knows that investments need to be diversified - his portfolio contains securities, currencies and metals. And our hero keeps part of the money in the deposit.

5. Manilov

Where: Dead Souls, Nikolai Gogol

Manilov happily rushes into new business, but does not bring anything to the end. He builds castles in the air all day about how one day he will get rich. She dreams of developing her socially responsible business, building a house and equipping a fabulous pond with swans and ducks in the yard. He has savings, and he even opened an investment account. But just as he can’t finish reading one book all his life, he still hasn’t had time to make even the first installment.

For months Manilov has been choosing the right investment strategy. He knows he can get a contribution deduction or a deduction from taxable income. But for this, an investment account must be opened within three years. Thoughts about future money take him away from pressing problems. As a result, the money lies at home, and Manilov does nothing with it - he just continues to fantasize that one day unexpected wealth will fall on him.

6. Lyubov Ranevskaya

Where: The Cherry Orchard, Anton Chekhov

Generous but frivolous. Ranevskaya has money and real estate, but not the slightest understanding of what to do with them. Instead of increasing her savings, she leads a luxurious life and yearns for the beautiful Russia of the past. Ranevskaya does not really trust modern financial instruments and prefers to keep money on a card. It is also too difficult for her to calculate interest on deposits and investments.

When financial difficulties arise, Ranevskaya hopes that everything will be resolved by itself. She continues ordering expensive meals in restaurants and hosting fabulous receptions at home, even when there is almost no money left. As a result, in order to pay off debts, he sells his house with a cherry orchard.

It's nice to please yourself with shopping, but you shouldn't waste all your money on immediate needs. Savings made on time will bring peace of mind and comfort. To ensure a decent future for yourself, you can apply for SberBank Online in the application and start forming an additional pension. The savings on the IPP account are increased by your contributions and investment income. There is no risk of going into negative territory: according to the law, profitability cannot be negative. You determine the size and frequency of contributions yourself: you can contribute amounts from 1,000 rubles.

7. Pierre Bezukhov

Where: "War and Peace", Leo Tolstoy

Bezukhov is gullible and straightforward. Due to his lack of experience, it is easy to deceive him in his personal life and in matters of finance. Having stuffed a couple of serious bumps, he understands that it is necessary to be carried out not only on the external gloss. The beauty of a socialite, even someone like Helen Kuragina, does not mean that she will be a good wife, and the incredible promises of a financial institution do not guarantee profits.

He decides to take up his life thoroughly. Now he is consciously approaching both the choice of a wife and the issue of investment. He puts only free money into an investment account, and starts with small, but regular transfers.

Bezukhov knows that the more income you can get from investments, the greater the risk they bear. Therefore, at the start, he prefers conservative and moderate investments: government bonds, bonds of "blue chips" - large and reliable companies. For aggressive investments, for example, shares of small companies, Bezukhov allocates only a small part of the portfolio.

8. Hermann

Where: The Queen of Spades, Alexander Pushkin

An investor of this type lives modestly, but passionately dreams of getting rich quickly. He believes in signs and dreams, so he is ready to take all the money to dubious ladies who allegedly call from the bank's security service, and gentlemen who give quick loans at high interest rates. It is easy for Hermann to be carried away by promises of quick results and sky-high profits, so he does not check the financial intermediary before starting cooperation. Although meeting with scammers who are attracted by an inexperienced investor is not excluded.

In order not to get into trouble, you can see if the financial intermediary has a license from the Central Bank of Russia, and check on the official website of the exchange if the company is participating in the auction. Hermann does not do this and easily takes the money to a financial institution that promises 20-30% profitability per month. But the miracle does not happen, and the hero loses his savings.

The desire for quick money can lead Hermann to high-risk investments, for example in startups. But 90% of such projects fail, so even experienced investors don't put all their money into one company.

Investing in a budding startup is tempting but risky. If you haven't invested before, try starting with simpler instruments. For example, in the SberBank Online mobile application, you can invest in mutual funds - ready-made portfolios of securities with different investment ideas. The client will only have to receive reports and observe how his investments are being managed. offer solutions with varying degrees of risk. For example, you can choose a fund with a low level of risk: it contains a set of bonds issued by the government and large Russian companies. And you can make more risky investments, say, in a fund "", where shares of companies with potentially high dividends or growth prospects are collected. To start the investment, a small amount is enough - you can even start with 1,000 rubles.