:In Serbia, there is another way to earn safely: where to invest your savings - only in real estate and savings in the bank.

The world has a tendency towards government debt securities, or they are more attractive for citizens of developed countries compared to deposits, but in our country this position is not yet common, a well-known Serbian broker told "Blic Biznis".

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Our people invest most of all in real estate and deposits in banks, these are the two main types of investments, but in the last ten years, unlike real estate, which brought quite a good return, you could say even twice as much, deposits were very weak, that is, the return was about ten percent, which was actually wiped out by annual inflation," he explained.

He noted that there has been a change and added that last year the Fed started raising interest rates because of high inflation, which was followed by other central banks and gradually - Now you have a situation where real interest rates are still low, but it's much better than it was in this ten-year period," says our interlocutor.

Our citizens are not practicing debt securities much.

Therefore, citizens can arrange funds in foreign currency at interest rates that are around three percent, even a little more when it comes to large sums. The fact that our citizens do not practice much debt securities, government bonds, it is the least risky type of investment," the broker emphasizes.

"The trend of leaving deposits for the bond market "

According to our interlocutor, this period favors bonds, as they bring much more yield and profit than savings, but due to the lack of knowledge and education our citizens are not very active in this process, unlike citizens around the world.

He notes that there is a developed trend in developed countries to move away from deposits to the bond market for the simple reason that the returns are much better there. - For example, in America, there is a big withdrawal of deposits from banks, and people buy bonds for one or several years, which yield several percentage points higher than deposits in the bank," explains our interlocutor.

He connects this situation with the state of affairs in our country, noting that Eurobonds in Serbia have a yield of more than 6 percent, but our citizens are not well informed about it.

The first step is to find a broker.

Bearing in mind that our citizens are poorly educated about investing on the stock exchange, the question of how to start trading on the stock exchange logically arises, so our interviewee says that one should start by choosing a broker. - First, they need to find a broker and enter into a contract and then deposit the funds. It is not so scary and complicated, but for our people who are used to deposits or real estate, because it is traditional and quite well known, people need to have a minimum level of knowledge, that is, to be relatively competent, but not too much - he explained.

He also notes that this "transition" between deposits and bonds is quite high, which has been noticed by some countries, so they have issued citizen-only bonds.

The benefits of investing in bonds

This is a low-risk investment, but deposits are also low-risk because they are insured for 50,000 euros.

One way to popularize these forms of "safe income" could be to issue bonds exclusively for citizens, as these countries are doing in the region, but our interlocutor adds that he has not heard of anyone in our country even considering this.

The minimum amount to trade on the exchange is 1,000 euros.

Although financial transactions are measured in billions on the exchange, you can start with 1000 euros or dollars on this market:- The exchange is designed to have financial instruments available to citizens from 1000 euros/dollars and above. When it comes to bonds, these are securities meant for large investors and the minimum amount here is 100,000 face value. This can also be prevented, because in a market of this size there must be an order, and behind this order there can be a large number of investors, it is already a technique," explains the broker interviewed by the Blic Biznisa team.

He explains that you cannot appear on the stock exchange with 100 or 200 euros. Theoretically you can, but it doesn't make much sense because of the height of other costs. - The optimal investment on the stock exchange is around 10,000 euros and above, while we have citizens with a few thousand euros, which is legitimate, you can buy a financial instrument that has a wide range of shares, so that even with a small amount of money you can make an investment that is not risky.