As the saying goes, money should work and generate income. That is why, when someone has available capital, several questions inevitably arise: where to invest money in 2026, how to choose a reliable investment, what level of return is realistic, and which risks should be considered.
Ukraine's investment environment has changed significantly in recent years. The war, macroeconomic instability, currency restrictions, and the transformation of the real estate and business markets all directly influence investment decisions. Nevertheless, even under these conditions, investment instruments remain available that can not only preserve capital but also generate regular income, including in foreign currencies.
In this article, we examine where to invest money in Ukraine in 2026, which investment formats remain relevant, and which require greater caution. Some investment options involve passive participation and minimal time commitments, while others require more active investor involvement and management oversight.
We have sought to examine all the key aspects and nuances of investing from a practical perspective. This article draws not only on our own experience working with investment projects but also on market research and the experience of private and institutional investors. After reviewing the main investment options, you will be able to assess the risk-return balance and select the investment approach best suited to your objectives.
If you are considering real estate investments with an emphasis on liquidity, predictable income, and capital protection, it is worth exploring professionally structured investment opportunities from Alterra Group, designed to deliver long-term investment results.
Investing: What Does It Mean to Invest Money in 2026?
Investing means allocating capital with the objective of generating income or increasing its value in the future. Investment returns are typically measured as an annual percentage of the invested amount or as capital appreciation.
For example, if an investment instrument offers an annual return of 15%, an investment of UAH 1,000 would generate UAH 150 in income over one year, bringing the total capital to UAH 1,150. In the investment environment of 2026, investors increasingly assess not only nominal returns but also foreign currency returns, inflation protection, and asset liquidity.
It is important to understand that all investments involve risks. Spending money is easy, but preserving and growing capital is considerably more difficult. Choosing the wrong investment instrument can result not only in a lack of income but also in the partial or complete loss of invested funds.
The investor's primary objective is not simply to invest money but to generate regular, predictable income with a clearly understood level of risk. This is why investment decisions in 2026 require particular care, taking into account not only potential returns but also the resilience of the business or asset under current conditions.
Before making an investment decision, it is important to determine your acceptable level of risk, investment horizon, and expected returns, and then select an investment strategy accordingly.
Main Types of Investments
Although the term "investment" is widely used, different forms of capital investment can vary significantly in practice. Before choosing an investment asset, it is important to understand the main types of investments and their characteristics.
By Investment Asset
Speculative investments involve investments where returns are generated by reselling an asset. These include currency trading, securities transactions, and investments in assets whose prices may fluctuate significantly.
Financial investments involve investing in financial instruments such as stocks, bonds, and investment funds. In 2026, this category is increasingly used to diversify portfolios rather than serve as the sole source of income.
Venture investments involve investing in startups, technology projects, and innovative solutions. Such investments offer potentially high returns but carry elevated risks and require a long investment horizon.
Real investments involve investing in tangible assets such as real estate, businesses, land, and industrial facilities. This approach is traditionally considered one of the more resilient investment formats, particularly when transactions are properly structured and assets are professionally managed.
By Investment Horizon
Short-term investments are investments with a duration of up to one year, often focused on rapid capital turnover.
Medium-term investments have an investment horizon of one to five years and are particularly common in business and real estate.
Long-term investments have a horizon exceeding five years and focus on asset appreciation and stable income over time.
By Ownership Type
Private investments are investments made by individuals.
Foreign investments involve capital provided by non-residents, which in 2026 is increasingly invested through partnerships or joint structures.
Government investments are capital investments made by government or quasi-government organizations.
By Risk Level
Conservative investments involve relatively low risk and moderate returns.
Moderate-risk investments seek a balance between returns and stability.
Aggressive investments involve high risk and potentially high returns, requiring active management.
By Investment Objective
Direct investments involve allocating capital to a specific project or business.
Portfolio investments involve distributing capital among several assets to reduce risks.
Intellectual investments involve investing in startups, technologies, research and development, and know-how.
Non-financial investments include investing in personal education, skills, and professional development, which can also generate economic returns over the long term.
What You Should Do Before Investing Money in 2026
Before deciding where to allocate funds, it is important to understand the basic principles of private investing and objectively assess your own financial capabilities.
For any Ukrainian citizen with available capital who is considering investments in 2026, it is critical to understand not only potential returns but also the risks, restrictions, and requirements associated with investing.
Investing is not a one-time action but a process that requires discipline, planning, and the ability to make informed decisions. Before investing in any instrument, its advantages and disadvantages should be carefully analyzed.
Advantages of Investing
Opportunity to generate additional income. This is the primary objective of most investors: to preserve and grow capital while generating recurring or accumulated returns.
Flexibility and scalability. Investors can gradually increase their investments, reallocate capital among instruments, and build portfolios aligned with their goals and personal circumstances.
Achieving financial goals. Investment income can be used to create passive income, acquire assets, develop a business, or accumulate long-term capital.
Improving financial literacy. Investing encourages people to study economics, markets, and business models, helping them acquire new knowledge, skills, and experience.
Disadvantages and Limitations of Investing
Despite its advantages, investing also has several inherent disadvantages.
Exposure to risk. No investment instrument can guarantee a 100% return. There is always a possibility of partially or completely losing invested funds, particularly with high-risk investments.
Emotional pressure. Investing requires resilience to stress. Market fluctuations, payment delays, changing conditions, and external factors can place pressure on investors, especially those with limited experience.
Need for continuous learning. Financial markets and investment instruments evolve. Ignoring new trends, regulations, and market conditions increases the likelihood of mistakes and financial losses.
Need for initial capital. Most investment instruments require starting capital. This is why the question of where to invest a small amount of money with minimal risk remains particularly relevant in 2026.
Five Essential Rules for Future Investors
Even after understanding the advantages and disadvantages of investing, you should not immediately begin allocating capital. Experience shows that following basic rules significantly improves the likelihood of successful investing.
1. Invest Only Available Capital
Only surplus funds should be invested — money remaining after covering all essential expenses and establishing an emergency financial reserve.
Using borrowed funds or loans for investing during periods of economic instability significantly increases risks and can lead to excessive debt.
2. Maintain a Stable Source of Income
Investing is justified only when you have a consistent source of income. It provides financial support during temporary market downturns or delays in investment income.
A lack of stable earnings combined with investment risks can lead to a complete loss of financial stability.
3. Develop an Investment Plan
Planning is one of the key elements of successful investing.
An effective approach is to build an investment portfolio comprising several instruments with different levels of risk and return.
Diversification helps reduce the impact of negative factors. Even if one asset underperforms, others may offset the losses.
A clear investment plan also helps investors make rational decisions and avoid impulsive actions.
4. Reinvest Investment Profits
Considering inflation and the depreciation of money, it is not always advisable to immediately spend investment profits on consumption.
Reinvesting income into new instruments or expanding an existing portfolio can accelerate capital growth and establish a foundation for long-term passive income.
5. Regularly Monitor and Review Your Investments
A common misconception is that investors can simply invest money and forget about it for several years.
In reality, investors should regularly monitor their holdings, track the fulfillment of obligations, review changing conditions, and assess the financial performance of their investments.
In 2026, it is particularly important to consider the risks of fraud and dishonest investment schemes. A lack of oversight significantly increases the probability of capital losses.
Following these rules does not guarantee complete protection against risks, but it significantly improves the chances of preserving and growing capital.
A conscious approach, discipline, and consistency remain essential factors for successful private investing.
Investment Options: Where to Invest Money in 2026?
Important Advice from Experienced Investors
Before beginning to invest, it is useful to consider the recommendations of investors who have already experienced different market cycles — periods of growth, crises, losses, and recoveries.
Their experience is particularly relevant in 2026, when investment decisions are made amid heightened uncertainty.
We have collected the key principles most frequently emphasized by professional investors, which can help not only preserve capital but also gradually increase it.
Protect Part of Your Capital from Risk
One of the fundamental recommendations is not to expose all your capital to risk.
Experienced investors recommend allocating at least 30–40% of funds to conservative instruments whose primary purpose is to preserve capital and generate basic returns.
Such instruments may include bank deposits, government bonds, or highly liquid real estate.
Their returns are generally lower than those of riskier assets, but this portion of the portfolio provides the investor with financial stability.
Build Sources of Passive Income
It is important to aim for passive or relatively passive income that does not require constant operational involvement.
For this purpose, part of the capital may be invested in financial instruments, businesses, or assets that generate recurring cash flow.
Experience shows that income from stocks, bonds, or minority stakes in businesses may not always seem substantial. However, over the long term, it can be comparable to or even exceed returns from traditional assets.
The key factors are the quality of the investment instrument and the investment horizon.
Diversification Is the Foundation of Investment Resilience
Investing simultaneously in several different projects or instruments reduces the overall risk of a portfolio.
Even if one investment fails to meet expectations, others may compensate for the losses.
Experience shows that a well-structured investment portfolio diversified across asset classes, currencies, and investment horizons is considerably more resilient to external shocks and market fluctuations.
High Returns Always Come with Higher Risk
Experienced investors emphasize that high-return investments are never risk-free.
Projects promising rapid and exceptionally high returns may form part of a portfolio, but only in limited amounts.
Typically, only a small portion of capital is allocated to such instruments — an amount whose loss would not significantly affect the investor's overall financial position.
Overestimating potential returns and underestimating risks is one of the most common mistakes made by beginners.
Invest Only in Projects You Understand
One of the most universal pieces of investment advice is never to invest in something you do not understand.
Before committing funds, it is important to study the project, its business model, revenue sources, risks, management team, and legal structure.
Investing in familiar sectors allows investors to maintain better control, ask the right questions, and respond promptly to changes.
In 2026, amid the growing number of complex and opaque investment schemes, information verification and critical thinking are becoming essential elements of the investment process.
12 Ways to Invest Money in Ukraine in 2026
Once you understand the basic principles of investing, assess the risks, and define your financial goals, the next crucial step is choosing a specific investment instrument.
In 2026, Ukraine continues to offer several investment options that differ in terms of potential returns, risks, liquidity, and the level of investor involvement required.
Below, we examine the most common and practical investment options currently used by private investors.
1. Bank Deposits
Bank deposits have traditionally been considered one of the most conservative and lowest-risk ways to invest money. They are suitable for investors whose priority is capital preservation rather than maximizing returns.
Opening a bank deposit does not require substantial initial capital. At many banks, the minimum deposit starts at just a few hundred hryvnias, making this instrument accessible to a wide range of individuals.
The main challenge for bank deposits in 2026 remains inflation. Under conditions of high inflation volatility, nominal deposit interest rates often merely compensate for rising prices without generating any real increase in purchasing power.
For example, if you deposit UAH 1,000 at an annual interest rate of 15%, the balance after one year will reach UAH 1,150. However, with a comparable inflation rate, the real value of that money may remain virtually unchanged. Formally, the investor has earned income, but in reality, the capital has merely been preserved.
Another limitation is the relatively low liquidity of fixed-term deposits. As a rule, deposits offering higher interest rates require commitments of 6–12 months or longer. In the event of early termination, banks often cancel accrued interest or significantly reduce the effective return.
When selecting a deposit product, it is important to assess the bank's reliability. Preference should be given to institutions with strong reputations and long operating histories, as the risks of bankruptcy or a bank being withdrawn from the market cannot be completely eliminated.
At the same time, an enhanced depositor protection mechanism operates under martial law. Throughout the period of martial law in Ukraine and for three months after its termination, the Deposit Guarantee Fund of Ukraine reimburses depositors in full, including accrued interest, subject to certain exceptions established by law.
After this period ends, the guaranteed reimbursement amount for deposits will be no less than UAH 600,000 per depositor per bank.
Conclusion: In 2026, bank deposits are primarily a capital preservation instrument and a way to maintain an emergency financial reserve rather than a полноценный source of real investment income. They are appropriate as part of the conservative allocation of an investment portfolio, not as the primary means of growing wealth.
2. Investments in Mutual Funds
A mutual fund is a collective investment vehicle in which investors purchase fund units and receive returns proportionate to their holdings.
The capital is managed by a professional asset management company rather than directly by investors. This investment format is often considered an entry point for beginners who are not ready to independently analyze financial markets and manage assets.
One of the advantages of mutual funds is their relatively low entry threshold. Depending on the fund, the minimum investment may start from UAH 1,000–4,000, making the instrument accessible to a broad audience.
At the same time, investors should understand that their risks depend directly on the quality of fund management and the selected investment strategy.
Investors do not make operational decisions and effectively delegate control over their capital to a third party.
For this reason, experienced investors recommend limiting mutual fund investments to 5–10% of an investment portfolio, especially at the initial stage.
One example of a widely discussed initiative in recent years is the Inzhur Ocean mutual investment fund, established to participate in the privatization of the state's stake in the Ocean Plaza shopping and entertainment center.
The fund was designed for collective investment and attracted thousands of private investors through a relatively low minimum entry requirement.
Overall, mutual funds can be a useful component of a diversified portfolio. However, they require particularly thorough due diligence regarding the management company, asset structure, and financial reporting transparency.
This instrument is suitable for investors who are prepared to accept limited control and potential fluctuations in returns.
3. Purchasing Real Estate
Real estate investment has traditionally been considered one of the most resilient and understandable ways to preserve capital.
In 2026, this instrument remains relevant, although it requires a much more selective approach than before the full-scale war.
The key limitation is the high entry threshold. Purchasing a liquid residential or commercial property typically requires capital of at least $40,000–60,000.
At the same time, the market has become increasingly segmented. Different regions and property formats demonstrate fundamentally different demand dynamics and investment returns.
Real estate income can be generated through:
-
Rental income from long-term residential or commercial leases.
-
Capital appreciation when a property is resold at a higher price.
Depending on the location and property type, rental income can provide stable monthly cash flow. However, investors must account for maintenance expenses, taxes, vacancy periods, and liquidity risks.
In 2026, investors are particularly interested in high-quality properties located in economically active regions, as well as projects offering professional management and transparent financial models.
Real estate remains a long-term investment instrument and is generally unsuitable for investors who may need to withdraw their funds quickly without incurring losses.
4. Investing in Precious Metals
Precious metals, primarily gold and silver, have traditionally been viewed as safe-haven assets and instruments for preserving capital value over the long term.
Against a backdrop of global instability and inflationary risks, interest in this segment remains strong in 2026.
Historically, gold has demonstrated sustained appreciation over long periods, although short-term price fluctuations can be substantial.
For this reason, precious metals are most commonly used as part of the conservative component of an investment portfolio rather than as a source of recurring income.
Investors can gain exposure to precious metals through several formats:
-
Bank-issued bullion bars.
-
Investment coins.
-
Unallocated precious metal accounts.
-
Jewelry, taking into account liquidity and retail markups.
It is important to understand that precious metals do not generate cash flow or passive income.
Their primary function is capital protection and risk diversification.
Furthermore, quickly exiting such investments often involves losing part of their value due to bid-ask spreads and transaction fees.
5. Investing in Businesses
Business investment is one of the riskiest but potentially most profitable ways to allocate capital.
This format is suitable for investors who are prepared to assume responsibility, make management decisions, and operate under uncertainty.
Any business can potentially be profitable, but not every entrepreneur is capable of building a project that achieves sustainable and scalable profitability.
For this reason, investing in a business requires either direct management involvement or a partnership with a more experienced entrepreneur.
If an investor is not prepared to independently launch and manage a business, an alternative is equity participation — investing in an existing business or a new venture operated by another entrepreneur in exchange for an ownership stake and a share of profits.
This approach reduces the investor's direct operational involvement but requires careful assessment of the partner, financial model, and exit conditions.
From an investment perspective, business is an asset class in which returns depend directly on the quality of the idea, the team, execution, and market conditions.
Investment opportunities may include online projects, service companies, trading businesses, manufacturing facilities, or local enterprises.
One advantage is the ability to manage risks and influence outcomes, unlike with passive investment instruments.
It is important to recognize that a significant proportion of businesses never reach sustainable profitability.
However, even if a project fails, investors gain experience, market knowledge, and practical skills that can be applied when launching future ventures.
For this reason, investing in businesses is more commonly regarded as an active investment strategy rather than a source of passive income.
6. Investing in Securities
Securities are among the most widely used investment instruments for both private and institutional investors.
These primarily include stocks and bonds, which generate returns through asset appreciation and/or regular payments.
Investing in securities requires an intermediary — a licensed broker who provides access to exchange trading and assists with the technical aspects of transactions.
Choosing a reliable broker is a critical step, particularly for beginners.
The principal source of income from stocks is appreciation in their market value.
However, share prices can rise or fall, resulting in temporary or permanent losses.
Therefore, investing in securities requires analysis of the issuer, its industry, financial performance, and the broader macroeconomic environment.
In 2026, securities are increasingly used as part of diversified investment portfolios rather than as the sole source of investment income.
To reduce risks, investors combine stocks, bonds, and investment funds while diversifying across currencies and markets.
This instrument is suitable for investors who can tolerate market fluctuations and have an investment horizon of at least several years.
7. Private Lending (P2P Investments)
Private lending, also known as peer-to-peer (P2P) investing, involves providing loans directly to individuals or businesses without the involvement of traditional banks.
Investors earn income through interest payments on the capital they lend.
Although this investment format has gained popularity, it remains among the riskiest.
The primary concern is borrower default risk.
If a borrower fails to repay the loan, the investor may lose not only the expected interest income but also the principal amount.
Even when online platforms and credit scoring systems are used, the risk of non-repayment cannot be eliminated entirely.
Against the backdrop of economic instability and wartime risks in Ukraine, this issue becomes particularly significant.
Experienced investors either avoid P2P lending altogether or allocate only a minimal portion of their portfolios to it.
Those who choose to participate typically spread their capital across numerous loans and accept potential defaults as part of their investment strategy.
8. Buying Foreign Currency
Purchasing foreign currency remains one of the most popular ways for Ukrainians to preserve capital.
Historically, the Ukrainian hryvnia has been susceptible to depreciation, while the US dollar and euro have served as defensive assets.
The primary purpose of holding foreign currency is to preserve purchasing power rather than generate active investment income.
In theory, investors can profit from exchange rate fluctuations by purchasing foreign currency when rates are low and selling when they rise.
In practice, however, this strategy requires professional expertise and continuous market monitoring.
For most private investors, a more realistic approach is to hold foreign currency over the long term, typically for one to five years.
In addition to the US dollar, investors frequently use the euro and British pound to diversify currency exposure.
It is important to understand that holding foreign currency does not generate passive income.
It is a capital protection instrument that is best used as part of a conservative investment strategy rather than as the primary source of profit.
9. Investing in Art and Antiques
Investing in art and antiques is a niche, highly specialized activity suitable primarily for individuals who understand the market or are prepared to engage professional experts.
The main risks involve subjective valuations and low liquidity.
Without a thorough understanding of artists, historical periods, provenance, condition, and market demand, investors may acquire an asset that ultimately proves extremely difficult to sell.
For investors without specialized expertise, a sensible approach is to work with an independent art adviser or gallery that can help assess an object's investment value and minimize the risk of purchasing counterfeits.
It is worth remembering that art and antiques:
-
Do not generate recurring income.
-
Require a long investment horizon.
-
Are generally unsuitable for a rapid exit without a price discount.
In 2026, these investments are more commonly regarded as portfolio diversification tools or stores of value for wealthy investors rather than primary instruments for capital growth.
10. Investing in Online Projects and Startups
Investments in online projects and startups belong to the venture capital category and are characterized by high levels of risk.
No startup can guarantee success, even with a strong idea and a growing market.
The potential returns on such investments can be many times higher than those of traditional instruments, but the probability of losing the entire investment is also significant.
In 2026, additional risk factors include competition, regulatory restrictions, and dependence on the founding team.
The key principle of venture investing is to invest not so much in an idea as in the people capable of bringing it to life.
A weak team can fail even with a promising product, while a strong team can adapt its strategy and identify a viable business model.
Experienced investors recommend:
-
Thoroughly assessing the team, market, and business model.
-
Investing only a small portion of capital whose loss would not be financially critical.
-
Treating startups as long-term investments without a guaranteed exit.
If an investor strongly believes in a project and possesses the necessary expertise, direct participation in its implementation may sometimes be more appropriate than simply providing passive financing.
11. Forex and Currency Trading
Forex is the international foreign exchange market, where profits are generated through fluctuations in currency exchange rates.
Despite its popularity and extensive advertising, Forex trading is among the riskiest investment activities.
Successful Forex trading requires:
-
In-depth theoretical knowledge.
-
An understanding of macroeconomics and currency market drivers.
-
Strict discipline and risk management.
-
Practical experience and strategy testing.
In practice, most inexperienced participants lose their invested capital, particularly when leverage is involved.
For private investors without a professional background, Forex is more accurately described as speculation rather than investing in the traditional sense.
In 2026, currency trading may be justified only for investors who are prepared to:
-
Accept potential losses as the cost of gaining experience.
-
Allocate only a minimal portion of capital to such transactions.
-
Treat Forex trading as a separate professional activity rather than a source of passive income.
12. Investing in Yourself
Investing in yourself is one of the most resilient and underestimated ways to allocate capital.
In Europe and other developed economies, this approach has long been regarded as a fundamental investment, particularly during the early and middle stages of life.
It involves not only obtaining formal higher education but also:
-
Professional courses and certifications.
-
Training programs and seminars.
-
Learning foreign languages.
-
Purchasing specialized literature and educational programs.
-
Traveling to broaden perspectives and gain a better understanding of other markets and cultures.
Such investments do not generate immediate financial returns.
However, they increase human capital, which directly influences future income, career opportunities, and the ability to establish or scale businesses.
In 2026, as markets, professions, and technologies evolve rapidly, the ability to learn and adapt is becoming one of the most valuable assets.
Knowledge and skills cannot be eroded by inflation, frozen, or lost due to market fluctuations.
Investing in yourself is particularly worthwhile if:
-
You plan to launch your own business.
-
You want to change your professional field.
-
You aim to increase your income or enter international markets.
-
You are not yet prepared to assume substantial financial risks.
Even when business ventures or investments in other instruments fail, the knowledge and experience gained remain with you and can be applied again.
This is why many experienced investors consider personal development one of the most reliable and potentially profitable long-term investments.
Ultimately, there is no universal answer to the question of where to invest money.
However, investing in yourself is a rare case where the potential returns are virtually unlimited, while the risk of losing the investment is minimal.
Subscribe to our Telegram channel to stay informed about the latest investment news and developments!
Conclusions: Where to Invest in 2026
There is no single definitive answer to the question of where it is best to invest money.
The optimal choice always depends on the investor's objectives, available capital, investment horizon, and willingness to accept risk.
Nevertheless, analyzing the available investment instruments allows us to identify several options that appear particularly rational in 2026.
Real estate investment remains one of the most resilient and understandable ways to allocate capital.
With careful property selection, a suitable location, and an effective management strategy, the risk of capital loss can be minimized, while the asset can provide both capital preservation and stable income.
For this reason, real estate often forms the foundation of an investment portfolio.
Business investment occupies a special place.
This format is suitable for investors who are willing to assume risks and responsibility while having the ability to directly influence the outcome.
The most successful projects tend to be those built around the investor's genuine expertise — when individuals invest in sectors they understand well and where they can create value for others.
Investing in yourself is another important direction.
Developing professional skills, obtaining education, learning languages, and strengthening management and technological competencies contribute to human capital.
Over the long term, this can generate income that far exceeds the returns available from most financial instruments.
In an environment of rapid economic change, the ability to learn and adapt becomes a key asset.
Other investment instruments — securities, currencies, investment funds, venture projects, and alternative assets — are best considered components of a diversified portfolio rather than the sole source of income.
Their purpose is to balance risks and improve the overall resilience of invested capital.
The main conclusion shared by experienced investors is simple: invest in instruments you understand, assess risks carefully, and do not chase quick profits.
A systematic approach, discipline, and diversification significantly improve the likelihood of preserving and growing capital.
If you are considering investments in businesses, commercial real estate, or investment projects in Ukraine, the InVenture team can help you identify suitable opportunities, conduct preliminary analysis, and evaluate the investment rationale behind potential transactions.
We hope this overview has helped you structure your approach to investing and develop your own investment perspective.
Informed decisions and long-term thinking provide the strongest foundation for investment success.
Where to invest in Ukraine, where to invest in 2026, where to put your money: investment options for 2026. Investing money, what to invest in, deploying capital. Where can you put your money? Where should you invest in 2027? How can you invest profitably? Investing money in Ukraine in 2026. The best ways to invest. What is the right way to invest? Risk-free investments in 2027. Investing in a company. Investing in bonds, specifically Ukrainian government bonds (OVDP). Investing in real estate. How to invest in a business. Where to put your money: investment options. Investments in Ukraine in 2026. How can you invest profitably? What is the right way to invest? Best investments in Ukraine for 2025. How to invest money in 2026? Investments in Ukraine in 2026. Investment ideas for Ukraine in 2026. What to invest in during 2026. Investing in a business in Ukraine. Where to put your money during the war? Wartime investments in Ukraine. How to invest in Ukraine during a crisis?