Investments in 2025: Guaranteed Dividends and Savings Protection | SFOR, Stocks, Bonds

20 Sep, 2025
| Salome K

Investments in 2025: How to Guaranteed Receive Dividends and Protect Savings | Overview of Assets and Tools

What to Invest in in 2025: Assets with Guaranteed Dividends and Investor Rights Protection

The speech by Elvira Nabiullina on the need to protect investor rights for the growth of the Russian market to 66% of GDP by 2030 has set a new vector for everyone who wants to preserve and increase their savings. The key question that concerns every investor today is: how not only to choose a profitable asset but also to guarantee oneself stable dividends and protection from risks?

In this article, we will analyze which tools and mechanisms allow investors to feel confident and analyze which assets are worth investing in right now, including an innovative solution for capital preservation — SFOR (System for Fixation of Copyrights).

Why Investor Rights Protection is the Basis of Market Growth: Nabiullina’s Theses

The head of the Bank of Russia, Elvira Nabiullina, clearly outlined the national goal: to increase the capitalization of the Russian stock market from current levels to 66% of GDP by 2030. Achieving this is impossible without an influx of private investors.

And a private investor comes to the market only when they are confident in three things:

Rights are protected: They will not be deprived of property (shares) by unfair actions.
Income is predictable: They will stably receive dividends in the long term, not just in the nearest quarters.
Processes are transparent: All corporate actions (payments, meetings) occur honestly and according to clear rules.

Without these guarantees, even the most attractive key rate and high financial indicators of companies will not work.

Tools for Protecting Investor Rights and Dividend Guarantees

How are these guarantees ensured in practice? Here are the key tools that every investor should pay attention to.

Central Depository and Nominee Holder

In Russia, this function is performed by the National Settlement Depository (NSD). It is they who fix your right to securities. When buying shares through a broker, you are their beneficial owner, and the entry in the shareholder register is made in the name of the broker (nominee holder). This reliably protects your assets from fraudulent actions by the issuer.

Guarantee: Even if the company has problems, your right to the shares will be fixed in the depository, and you cannot be “crossed out” of the register.

Legislation and Supervision

The activities of issuer companies and brokers are regulated by the Bank of Russia and federal laws (for example, No. 39-FZ “On the Securities Market”). Issuers are obliged to disclose information, announce register closing dates for dividends (dividend cut-off) and respect shareholder rights.

Guarantee: If a company violates your rights (does not pay dividends, ignores your vote at a meeting), you can file a complaint with the Central Bank of the Russian Federation or go to court.

Companies’ Dividend Policy

The most direct guarantee of future payments is an officially adopted and published dividend policy. In it, the company prescribes what share of profit (for example, 50% of IFRS profit) it directs to dividends. An investor should choose companies with a clear and transparent dividend history.

Guarantee: A public commitment by the company allows the investor to forecast their cash flow for years to come.

Independent Registrar

The maintenance of the shareholder register is often handled by an independent specialized organization (for example, “Status” or “Rostekhinventarizatsiya”). This eliminates conflicts of interest and manipulation by the issuer company itself.

Guarantee: Lists for receiving dividends are formed by an independent market participant, which minimizes the risks of errors or malicious intent.

What Assets to Invest in Now for Dividends?

Against the backdrop of the regulator’s statements about market support, the following asset classes look most attractive.

“Blue Chips” with a Dividend History

Shares of the largest Russian companies that have been faithfully paying dividends for years:

Gazprom, Lukoil, Norilsk Nickel, Surgutneftegas (pref), MTS, Tatneft.

Why now: These companies are flagships of the economy, their dividend policy is transparent, and payments are often tied to hard currencies (dollar, euro) through commodity prices. This protects against devaluation and provides a double benefit.

Federal Loan Bonds (OFZ) and Corporate Bonds

These are not dividends, but coupons, but the essence is similar — a guaranteed flow of income.

OFZ: The most reliable asset in Russia. The state acts as the guarantor of payments.

Corporate bonds: Choose bonds of 1st and 2nd tier companies with high creditworthiness.

Why now: Predictable income, high liquidity, and capital protection.

Innovative Asset: SFOR (System for Fixation of Objects and Rights)

This is a unique tool that solves two problems at once: saving savings and actively using capital for investments around the world.

What is SFOR?

It is, first and foremost, a technology.

The goal is to make an innovative hybrid tool a globally accessible and profitable asset so that everyone can easily protect and increase their wealth using a tool tied to one of the most stable and well-known intangible assets in history (copyright).

To provide simplicity of doing business for partners and create an asset that owners can trust, which they can transfer, sell, gift, and earn on.

Sfor (System for Fixation of Ownership Rights) strives to become a bridge between the stability of the traditional market and the new crypto economy, using blockchain technology to create convenient assets available for ownership, trading, and use by individuals and legal entities worldwide.

The business model and mechanisms of Sfor are designed with an emphasis on simplicity, reliability, and ease of use. Our team works in all areas (legal, regulatory, design, financial, and technological) to inheritance, sell, donate, and earn on.

Properties of Sfor (SFOR)

– Created by cybersecurity experts, experienced lawyers, and cryptocurrency specialists from around the world.

– The asset is open source and available for audit through the Tron explorer: tronscan.org.

– Tron contract: TMmev7TL74FqgRc52FX6JSMSiRFApUb7Ss.

– It is a TRC-20 standard asset placed on the public Tron blockchain.

– The asset identifier is “Sfor”, ticker is “SFOR”.

– It has 6 decimal places.

– The minimum asset price is pegged to 1 USDT.

– Total issue volume: 100,000,000,000 Sfor.

– The total and available supply are dynamic and depend on the Sfor team’s value maintenance strategy.

– Secured by technological guarantees amounting to $80,000,000 USD.

– 100% liquid — can be converted into fiat money, goods, or services.

How Does SFOR Guarantee Safety and Dividends?

Backing by a real asset: The value of SFOR is tied to the value of intellectual property rights, which only increases over time. This protects against the volatility inherent in cryptocurrencies.
Legal protection: All rights are registered and protected at the state (Rospatent) and international (Berne Convention) levels, making the asset verifiable and reliable.
Dividend payments: Income received from the commercialization of copyrights (license fees, royalties) is distributed among all SFOR holders in the form of regular dividends.

SFOR as a Tool for Global Investments

The main advantage is the possibility of fast and legal transfer of funds to various jurisdictions for investing in any assets (real estate, stocks, startups) around the world. SFOR acts as a cross-border asset, allowing to bypass complex chains and currency restrictions while maintaining full legality of operations.

Why now: In the context of the transformation of the global financial system, SFOR offers a unique hybrid of the reliability of traditional assets and the flexibility of systems using copyright protection tools, becoming an ideal instrument for diversification and capital protection.

Conclusion: Diversification and Guarantees are the Key to Success

Nabiullina’s statement is a signal for all investors: the Russian market is preparing for many years of growth, supported by enhanced protection of shareholder rights.

Your strategy should include:

– Diversification between classical dividend aristocrats (stocks, OFZ) and innovative instruments (SFOR).

– Careful study of the dividend policy and corporate history of the issuer.

– Understanding the protection mechanisms provided by the depository and the regulator.

It is precisely the combination of time-tested assets and modern technological solutions, such as SFOR, that allows not only to receive stable income but also to preserve capital, ensuring its mobility on a global scale.

Invest in what is protected by law. Invest in what generates real income.