Regardless of the amount of savings, they need to be stored in such a way as to protect against inflation - the natural depreciation of the national currency. Inflation is common in all economies of the world, and the ruble is no exception.
Golden mean
There is a simple rule - savings must be diversified in order to minimize the risk of an unstable economy. The time-tested universal formula of economists does not lose its relevance today.
In practice, it looks like this: a third of the savings are kept in rubles, the second and third in dollars and euros.
Keeping part of funds in hard currencies helps to reduce the risk of ruble inflation. In the United States and the eurozone, the level of natural depreciation of the currency is traditionally low and fluctuates at the level of 2-4%, while in Russia official inflation is significantly higher.
Deposits
A deposit account is only beneficial if the annual interest rate exceeds the inflation rate. This applies to all deposits, regardless of the deposit currency.
It is generally accepted that a ruble deposit cannot be profitable by itself. Money is frozen in an account whose growth rate cannot keep up with inflation. This statement is partly true, and to a greater extent applies to short-term ruble deposits of small amounts.
At the same time, it should be remembered that deposit funds in the amount of up to 750 thousand rubles are insured by the state in the event of a bank bankruptcy.
Do not forget about the reliability of the bank itself. Deposits with an inexplicably high interest on deposits in unfamiliar banks should not be considered as a uniquely profitable investment offer. Small and little-known banks are more exposed to the risk of bankruptcy than large financial structures with a government stake.
Investments
Another important tool that allows you not only to preserve, but also to increase your savings is the purchase of securities, mutual funds and precious metals.
Securities include stocks, futures and other exchange trading items. Strictly speaking, such an investment path has a certain level of risk and requires the services of brokers. Thus, the effectiveness of investing in securities directly depends on the reliability and professionalism of the hired broker.
Mutual funds are mutual funds, which are consolidated investment associations that are managed by professional brokers. Mutual funds are offered by many large Russian banks, which collect capital for transferring them to the management of a brokerage service. The monetary remuneration of each shareholder will depend on the efficiency of the brokerage corps. Mutual funds do not have a fixed percentage of remuneration. Instead, they have a projected interest rate band, including a minimum projected profit and a maximum. As a rule, the maximum forecast value is always significantly higher than the average interest on deposits.
Acquisition of precious metals has long been considered one of the most profitable investment vehicles. The rise in gold prices remained unchanged compared to the fluctuating exchange rate. Despite the high price, investing in gold is still an attractive mechanism for placing surplus funds.
