Берем облигации для населения

Кризис кризисом, а зарабатывать как-то надо. Народ хочет выгодно вложить деньги. Государство хочет не менее выгодно их дать в долг. «Так не дадим же друг другу умереть!» - с таким девизом и шашкой наголо министр финансов бросается в розничный бизнес. 20 млрд рублей на дороге не валяются. Именно в таком объеме пройдет первый пилотный выпуск «облигаций для населения».

Средняя ставка будет выше депозита. Министр пообещал ее на уровне 8,4%. Для этого народные облигации 3 года надо будет держать без возможности досрочного погашения. Облигации можно будет купить в Сбербанке и ВТБ24. Интереснее всего было бы посмотреть в глаза главе отдела продаж в отдельно взятом отделении Сбербанка. У Сбера максимальная ставка по вкладу 8,2%. А тут какие-то ОФЗ со ставкой 8,4%. Попробуй тут получи квартальный бонус.

Ну и вторая дилемма. ОФЗ для населения ничем не отличается от ОФЗ, которые сейчас торгуются на открытом рынке. Возьмем к примеру ОФЗ 29011. Уж лучше в них сидеть. Плюсы: можно продать в любой момент почти без потерь.

В идеале Минфину надо продавать ОФЗ через отделения Почты России. Раз уж мы возвращаемся обратно в 19 век, то почему бы еще и не пострадать ради этого в очередях. «Пожалуйста, заберите мои деньги! Я уже три часа сижу. А за мной еще бабуля занимала с авоськой красной».

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