A new round of ruble instability is caused by many factors, which are based on both purely objective and subjective reasons. At the same time, such an understanding does not make it easier, and even less so for the collected savings. What to do and how to act in the current situation.

Need to worry about savings or not?

To begin with, it is worthwhile to clearly understand a few basic points:

The first fall of the ruble against the dollar has not only purely political motives. Of course, conflicts in neighboring countries and Western sanctions accelerate the process, but they are definitely not the root cause.
Second, the price of oil clearly serves as a guiding star for the ruble, the price is falling and, as a result, the domestic currency is falling. But it is worth remembering that the reverse process was not observed in the history of Russia. Of course, the ruble fell under the influence of oil prices, but with its growth it will definitely not rise. Suffice it to recall the crisis of 2008, did it return to its original boundaries?
The third is that a sharp or even slow depreciation of money in Russia is actively pushing all prices up, regardless of whether the goods are produced on the territory of the country or imported. The keyword is "active", in fact, the price rally usually exceeds the falling level.

It is worth noting that I have met the conventional wisdom that a 20-30% drop in the exchange rate ultimately translates into 2-3% annual inflation for the country. Yes, I agree with this point of view, it will be so, but it is worth remembering that inflation in the country does not fully reflect the rise in prices for the real consumer basket. That is, for the majority of the population, prices have actually grown by 40-50%, and the inflation rate proudly reports about 7-8%. So the question is in the calculation methodology, which simply does not reflect the real processes for the general population.

Having examined the basis of the ongoing processes with the currency, let's move on to the question, what to do next? If suddenly you do not agree with the root causes, then I will gladly discuss it.

According to experts, most of the households in Russia that are conditionally classified as the middle class or located in the region of the nth have savings. What to do with them?

At the first stage, it is worthwhile to clearly separate the two scenarios for the development of events.

Option one - all your savings (or most) are in rubles.

One of the most optimal decisions in terms of quality-benefit is the purchase of goods in rubles, but on condition that such a purchase was planned. For example, savings were set aside for the purchase of a car (or household appliances, repairs) in such cases it makes sense to use the money. If your own funds are not enough, it makes sense to take out a loan; in conditions of devaluation and subsequent depreciation of money, you can significantly save in the future.

Pros - the use of ruble savings is effective, price tags in stores have not yet risen. The borrowed loan will lose in value by the amount of price growth and devaluation, and its servicing will actually be cheaper by this amount.

Minus - the purchased goods will de facto not be a store of value, and a return in cash (if you suddenly need a cash) is possible only with a significant loss.

Purchase of gold items. Unlike buying gold bullion (rigidly tied to the price in dollars), products as well as household goods do not yet fully reflect the future market conditions. Thanks to volunteerism, you can have time to save your money in full.

Pros - this saving model allows the broadest segments of the population to save money. Buying small and relatively inexpensive gold items is affordable for most ordinary citizens.

Cons - problems with the subsequent transfer of products to cash. Actually, the best option is to sell through thrift stores, which takes a long time.

Buying currency. In this context, one of the most risky ways to keep your own deposits. The reason for this "riskiness" is that there is a high likelihood of both a drop in the exchange rate, for example, to 48-49 rubles per dollar, and further growth (it is difficult to outline the boundaries here). As a withdrawal, you can both lose and gain. When making such a decision, you need to clearly understand several things:

First, when you may need money, if you need to pay in rubles in the next period (2-3 months), then you should not exchange.
Second, what do you plan to use the accumulated money for in the future. If for a purchase, then it is worth taking a closer look at the first option, and if savings are accumulating "just in case", then it is definitely worth playing it safe and converting it into currencies. It is not so important what currency is dollar, euro or Swiss francs. In this context, it is better to lose a little, because the main task is to save, not increase. If you want to make money, then it is better to think about creating your own business; this is the best option for increasing capital.

Pros - high preservation of the value of the deposit

Cons - risks associated with exchange rate differences.

Option two - savings in foreign currency.

The main rule that should be followed by a person who has money "for a rainy day" is to save it. This rule is especially relevant in a crisis, and even more so on its threshold, do not think how to make money on savings, think how to save them.

Having currency on hand, you need to clearly protect yourself from possible troubles, therefore, it is optimal to put funds in a bank, but not on a deposit, but just rent a cell. In this case, you will always have access to cash, and secondly, they will be safe, about that.

Bank deposits or easier deposits... In this case, I did not recommend keeping your capital in this way. There are several reasons:

Ruble deposits- with the existing rate of deposits, investment income will not even cover real inflation. Plus there is also devaluation, as a conclusion, putting money in the bank in rubles, the loss will be at least 1/10 of the amount. Nominally, the amount, of course, will increase, but it will be possible to buy with them an order of magnitude less.

The main risk is depreciation.

Foreign currency deposits- even if rates do not rise (although they have now crawled up), money will not depreciate by the amount of inflation and devaluation. Everything seems to be fine, but external factors (those very sanctions) can lead to a sharp restriction of work with the currency. De facto, it seems like there will be money in the bank, but you can get it with some restrictions, for example, only in rubles and at a fixed rate, or they will not be able to give it out at all due to the lack of cash dollars. Actually, there are many different variations, but the result is the same, in the current conditions the bank will not be able to guarantee the return of foreign currency deposits to the original form, everything will depend on the decision of the state.

The main risk is the inability to guarantee the return of cash currency at the end of the term of the deposit.

And one more risk common for both foreign currency and ruble deposits is the instability of the banking system as a whole. Moreover, today even state-owned banks cannot guarantee such stability due to objective reasons, the presence of external risks for the state itself as a whole.

Shares and other securities. In this case, if we are talking about buying securities issued by a Russian issuer, then the impending thunderstorm plus external threats tell us that today it is not worth buying them. At least tomorrow (as in the case of real estate) they can be much cheaper. Plus, do not forget that gambling with stocks is a risk even in a normal situation, but now they are just going through the roof. The main disadvantages are the very high risk of losing more than you find.

I am waiting for your questions and comments, you can ask questions in the "Business case" group in VKontakte.

Interesting on this topic

There are a huge number of ways to store personal savings, but where is it better to keep money at home or in an apartment so as not to worry about their safety? And isn't it better to keep your money in a bank? We will answer both questions and compare these methods.

Where to keep money in an apartment or at home

Take a close look at different interior items - not all of them can be checked by fraudsters when committing a theft.

4 interesting ways to keep your money at home

Cactus... Try putting money in a hole cut inside a potted cactus. To do this, soak the soil and cut a core at the bottom of the plant. Place the rolled money or valuable items inside and bury the plant back. For beauty and additional stability, you can decorate the cactus with stones.
Kids toys... Fold up the cash compactly, make an inconspicuous cut in the toy, and add a few layers of cotton wool so that the money cannot be felt. You can hide a particularly large amount in several toys.
Door knob... Buy a new doorknob, put the rolled money inside, then screw it securely onto the door. You won't be able to hide a lot, but for small savings, this is a good option.
Tubular cornice... The likelihood of finding funds in the cornice is negligible. You can use the curtain tube in your bathroom or living room. You can easily remove the rings and hide the rolled money inside the pipe.
Bonus:

Furniture and household appliances are additional places where you can store cash in a house or apartment, these are wonderful hiding places for your savings. For these purposes, you can also use plumbing.

6 places to safely store money at home

Metal edging for the end of the tabletop... You can choose a kitchen table as a cache. Using a screwdriver, remove the trim. Drill two holes in the end. Use a file or a jigsaw to remove the jumpers between the holes, cutting out the required depth of the cache. Replace the piping. Now you can easily get your money out with a screwdriver.
Floor bedside table... Pull out all drawers and remove the back panels by shortening them with a hacksaw or jigsaw. If the drawers are equipped with external tin runners, shorten those as well. Screw the walls into place, insert the boxes back, after hiding your savings behind them. There is a lot of space - even an impressive case with money can be placed inside the bedside table.
Sofa foam... Remove the cover from the sofa and take out some foam. Cut a hole in the part that is not visible at first glance, or make a slit with the blade by sticking your hand inside. Cut out a cache deep inside the foam. Ready! You can nail the upholstery back with a stapler.
Refrigerator... Try tucking your money into the refrigerator's magnetic tape — the one that holds the door when you open it. Peel back the rubber base, inconspicuously cut it with a blade and pull out the magnet. Insert bills instead.
Washing machine... Most models have a small headspace next to the engine with limited water access. Unscrew the back of the car and hide the money there. For safety, put cash in the bag.
Toilet cistern float... This is a small plastic element in which curled bills can be placed. Turn off the water first, unscrew the float, cut it in half, put the required amount in it and glue the seam with a lighter, glue or a soldering iron. The option is suitable for long-term storage of "stash" ( if money is needed urgently, it will not be easy to get it).

Where else can you hide keeping money in your apartment

Many people have the question of where to keep money at home, if the amount is large. If you want to save a large amount of money, you need to know that the best way to keep it is a safe. The metal "box" must be strong and have a complex code known only to you. It is good if the safe has several levels of protection to reduce the chances of opening it.

Cash can be hidden in the outlet... Most likely, a thief who has illegally entered your apartment will not want to put himself in danger. To hide money in an outlet, disconnect the power first. Then remove the protective cover from the outlet. Find a small hole just below it - you can put a decent amount in there. Wrap the money in a rubber sheet for added security.

If you do not have the slightest idea about electrical engineering, choose another place where it is safer to store money, otherwise a short circuit may be accidentally caused. If you like the outlet idea but don't want to risk the current, you can easily make a fake outlet. To do this, make a small plywood box, put all the valuable items in it and mount it on the wall. There are also interesting and hard-to-reach places where people keep money:

behind the wallpaper
in musical instruments
in the trash bag of the vacuum cleaner
in old shoes
in a roll of toilet paper

- the scope for your imagination is almost limitless. The main thing is not to put money in plain sight and not use typical places.

Some readers are also interested in where to keep money in feng shui... Craftsmen recommend putting finances in red envelopes or bags and hiding them in the southeastern part of the apartment. It will not be superfluous to put next to a figurine of a frog, a symbol of financial well-being. If these simple rules are followed, luck will accompany the owner everywhere, constantly increasing his wealth, but these methods are suitable only for those who are not worried about hacking and theft.

Video: spy places where you can hide money at home

Where you don't need to keep money

There are places where you cannot keep your savings, otherwise you may be left without them. The possibility of theft always exists. According to the Ministry of the Interior, in the first quarter of 2015, the number of reported thefts increased by 7.6% ( compared to 2014). As of 2016, every 31st reported crime is burglary. 2017 and beyond are no exception. That is why you should hide your money well. When choosing a place " stash»Remember that in thieves first look at these places:

wardrobes, bedside tables, boxes- the most risky places for savings;
vases, figurines, paintings- places that must be checked in case of theft;
books- unless you have an impressive library, rest assured that a thief will flip through several books in search of profit;
place under the mattress- the most commonplace option;
ventilation holes- a good option only for action films, in reality this cache will most likely be examined by a thief;
jars of cereals- one of the most popular and therefore risky places for keeping money.

Where to keep money so that it multiplies

According to opinion polls, about 40% of Russians prefer to keep cash at home. If you are one of them, you get round-the-clock, quick access to funds. At any time you can get your savings, recalculate them or replenish them. If you suddenly decide that the place where the money is stored is unreliable, you can immediately change the storage.

A huge disadvantage of keeping money at home is that due to the growth of inflation, money is constantly depreciating, so if you save for something for a long time, this effect will be noticeable. In addition, under the influence of the impulse, you will be able to spend all your savings, there is also the risk of losing them after the intrusion of a thief.

If you do not know where it is safe to keep money so that it multiplies, open a bank account. This will protect your savings from inflation. Due to the accrual of interest, you will receive additional income: your money works, and does not lie under the pillow. If the bank is robbed, you will not lose your savings thanks to the deposit insurance system.

Despite all the positive aspects of keeping savings in the bank, many continue to keep money at home. Which option to choose depends only on your desire and purpose of savings. If you want, for example, to raise money for a new phone, there is no point in opening a deposit in a bank, and if you are saving for a child's education, you should seriously think about this option for keeping money.

If you decide to make a deposit, first of all you need to choose the most reliable and profitable bank. Where do people usually keep their money? If you want to protect yourself, you can create one of the most profitable deposits in Sberbank. The bank offers rates of no more than 8% per annum, but it is able to preserve your savings even in difficult times for the economy. If your goals are long term, you can buy and receive annual dividends.

Bank card... It is much safer to keep money on the card, but again, the amount should not be too large. It is important that the card is not a credit card - they are constantly subject to unfavorable service rates. Ideally, this should be a salary card. It should be remembered that in case of loss or loss of a card, the procedure for its restoration can take several weeks - it is important to take this into account when planning your expenses.
Bank safe... A rather popular service in modern times. For the required period, you are provided with the service of using your own small safe. There is no need to worry about security - the security system of banks is at the highest level. The only but significant disadvantage is the cost of renting a cell.
Long-term bank deposit. The most profitable are deposits with replenishment, but without the possibility of withdrawing funds. Open for a specific period ( it is better to choose the time as close as possible to the date of the planned purchase). Do not forget to regularly replenish your deposit, otherwise it turns out that you have not been able to save money.
Where is it more profitable to keep money, being able to withdraw it?? Current deposits- deposits with open replenishment and withdrawal. That is, the funds are kept in the bank, and you have free access to them. Interest is charged on deposits, which slightly compensates for inflation. Suitable for storing the amount " for the first time», Which will save you in case you lose your permanent source of income.
Foreign currency deposits... This is primarily about dollars and euros. When purchasing currency, do not forget about the possible risks. Officials have repeatedly proposed to limit or prohibit the circulation of American money in Russia. This will likely never happen, but extra caution doesn't hurt.

We invest and grow

Many people are interested in where to keep their money so that it multiplies. There are several reliable options that can bring you added value some time after the investment is made.

In a difficult time of crisis, it can be a wonderful way to make money. The main disadvantages of this method are that before purchasing securities, it is necessary to carry out a solid analytical work. In addition, the growth in the value of shares can be expected for a long time - no one can guess when this will happen.

Gene. The director of Grandis Capital said about investing in shares: “To make a decision to buy certain shares, you need to have long money and a lot of patience. However, sometimes this patience is well rewarded. "

Therefore, if you are willing to wait, buying stock is an option especially for you! Give preference to "" - shares of the largest and most successful enterprises in the country and the world.

They can also become a profitable instrument.

A bond is a debt security for which the company undertakes to pay the depositor a certain amount and a certain percentage in the future.

In this case, you know exactly when your fortune will increase and return to you, but there is a risk of default on the debts of enterprises (non-fulfillment of monetary obligations, financial insolvency).

The property... A long-term project that requires a large investment, but it pays off well and brings good benefits. Invest in economy-class housing under construction in popular areas, invest in semi-finished housing and take a close look at the development company ( developer).

Whichever method of storing funds you choose, you will have to face possible risks. To increase your capital and not lose your savings, be sure to follow these tips:

In no case do not let people who introduce themselves as special services workers into the apartment. Pay attention to their clothes, be sure to check the ID, and if suspicions persist, call the service from which you came and ask if the person who came to you is on the staff.
If you have a lot of money, use not one, but several caches.
Choose carefully the instrument with which you will keep your money - it must be reliable and have a low degree of risk.
If you are faced with the question, how much of your savings should you use if you have several? Financial analyst Pavel Medvedev recommends spending the most expensive currency at the moment. For example, if the euro is now expensive, it is better to spend it on a purchase, hoping that another currency will be more expensive next time.
It should be noted that the state insures amounts up to 1.4 million rubles. If you want to invest a large amount, choose the most reliable financial institution.

Now you know where it is safer to hide money at home and what are the advantages of a bank. By spending a little time creating a safe cache or opening a deposit, you will save all your money. By following all the recommendations and advice, you can not only protect your wealth from theft, but also profitably increase it.

If you find an error, please select a piece of text and press Ctrl + Enter! Thank you so much for your help, it is very important for us and our readers!

If a wad of cash has become so thick that it does not fit in your wallet, you have to think about a reliable way to save money. Let's clarify - we are talking about preserving your savings, because serious investments are a topic for a separate article. Where is it better to keep money in 2019: at home, with friends, in foreign currency, on bank deposits? Let's take a quick look at all the pros and cons.

Method 1: Safe at home

Experts recommend keeping the "nth" amount at home. This is the supply that you need at the right time. Everyone rates the airbag according to the needs of the family. On the advice of experts, it is desirable to have freely available two or three times the amount of standard monthly costs. Lost your job, ended up in the hospital, an unexpected event occurred that required expenses - you have money at hand. No need to ask, borrow, run for a loan, urgently sell gold bars.

Method 2: In a safe deposit box

Convenience is that money can be put in a safe at any time, and it will be in a really safe place. There are no restrictions on the type of funds: national and foreign currencies, coins, stamp collections, stocks, bonds, etc. are accepted. The only drawback is that money will not bring income - on the contrary, a small fee will be required for their storage.

Method 3: On deposit accounts

This option is for those who do not like to take risks, while wanting not only to keep their money physically intact, but also to preserve their purchasing power. This method is good in times of stability, but during periods of falling rates of the national currency, you should not rely on it - even if the bank does not go bankrupt, it does not guarantee an adequate increase in profitability. If the financial institution "orders to live a long time", then the Deposit Guarantee Fund will return the money, but during the waiting time inflation will "eat" part of it.

Method 4: In precious metals

This is exactly the way that "works" in a crisis. In difficult economic times, the cost of gold, platinum and silver falls, there is a chance to buy them at a bargain price. But one cannot count on a quick profitability of this type of investment. You need to wait at least two years before gold pays dividends. If the money is needed earlier, part of the invested amount will be lost during the sale.

Important advice! When buying precious metals, pay attention to coins and bars. The cost of jewelry includes the price of work, but they will have to be sold as scrap - this is not interesting.

Method 5: Real Estate

Investing money in land, houses and apartments for a long time is profitable. This option is popular because it helps to securely store large amounts. Real estate is a commodity for which there is always a demand; it can bring both momentary (leasing) and distant profit. But in a crisis it is not worth counting on a quick payback.

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Table. Comparative characteristics of the most popular ways to store money

	Simplicity	Liquidity	Risk	Expected income percentage
Houses	+	high	maximum
in a safe deposit box	+	high	minimum
on a deposit in rubles	+	high	small	7-8% per annum
in precious metals	-	low	small	up to 5% per annum
buying a property	-	average	small	up to 30% per annum

The five most original ways to store money

1. Shares of privatized enterprises... A stock is a fairly liquid instrument, you can sell them in 1 day. Registered shares will not be stolen, at the same time, the owner can easily sell them. Minus one: for a profitable investment of money, you need to understand the quotations of securities.

2. Bonds... Less risky, in comparison with the previous one, method: the amount of income is negotiated immediately. Bonds are issued by private companies and the state. The financial liabilities of the last player on the market are the most reliable, but the yield is also low. The state promises to return the invested funds, but is unable to offer high interest rates.

It is worth remembering! Those who do not pursue super profitability and prefer minimal risk should pay attention to federal loan bonds (OFZ): 10% per annum and guarantees on behalf of the state. Large sums are invested in OFZs, and bonds can be sold without loss of interest at any time.

3. Mutual investment funds (mutual funds)... These are organizations that generate income for their clients through the profitable allocation of their money. The plus is that the funds are controlled by the state, and the money is managed by specialists who assess the risks according to professional criteria. It will not be possible to earn huge interest on mutual funds, but it is a worthy way to preserve savings.

Be careful! The mutual fund is not a member of the Deposit Guarantee Fund. This means that with the bankruptcy of the mutual fund, you will hardly be able to return your funds.

4. Cars, art objects, valuables... Money can be turned not only into real estate, but any valuable things: paintings, icons, old engravings. It is more pleasant to keep such a "deposit" in your home, it does not take up much space and saves money quite reliably. The disadvantages are liquidity - it will be difficult to sell a piece of art for its true price. And there is always a risk of theft.

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5. Loans... If none of the above methods are suitable, money can be borrowed to acquaintances who need an influx of cash. Proper documenting of such a transaction guarantees the return of the loan back to the owner.

Remember! There are enough risky projects in the financial markets offering high interest rates and short payback periods. Experts advise to be wary of the rate of return in rubles exceeding 15% per annum.

What methods of storing money will be popular in Russia in 2019

The choice of method depends on personal preference and other factors. In this equation, the important quantities are:

amount of money
storage periods
financial situation in the country (in the banking sector, in the currency market, real estate, precious metals market, etc.)
plans to make money on their savings.

What determines the choice of a way to store money

It is important to estimate how long the money will remain inviolable - 1, 2, 5, 10 years. In the long term, it is profitable to convert money into gold and real estate: they rise in price steadily, but slowly. For storage for a short period, it is better to choose a currency, a loan, a short-term deposit.

An important parameter is liquidity. It is necessary not only to preserve capital, but to convert it into rubles at the right time. Since force majeure situations occur in Russia with enviable regularity, the population prefers to exchange rubles for currency, in such a way that it can be easily sold if necessary. From the same point of view, it is better to buy gold than platinum - this metal is easier to sell.

Important! Some types of income require paying taxes. Income from the sale of bars, stocks, bonds, and real estate is subject to taxation. Income from deposits is not taxed.

Storage and conservation of currency

Two conditions ensured the popularity of the currency storage method:

ease of purchase
high liquidity.

To be a successful player in the foreign exchange market, you need to "seize the moment" and have an impressive amount of money. Converting a small amount of capital into euros and dollars will have no effect, but it will help keep money in its purchasing power.

Euros and dollars on bank deposits

It is unprofitable to keep currency at home or in a safe deposit box - money must "work" and be profitable. The most affordable way to increase your income is to open a foreign currency deposit. The interest on foreign currency deposits is small (1-3%), but taking into account the depreciation of the ruble, the total profit when buying foreign currency can reach 15-20%.

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In what currency is it profitable to keep money - the answer to this question will not cause difficulties for experts. Priority is given to the currencies of countries with strong economies:

U.S. dollar
British pound sterling
canadian dollar
Swiss frank.

As for the choice of a specific direction, it is difficult to predict the behavior of a certain currency, here forecasts are shaky - even eminent financial analysts are mistaken.

Important advice! It is not worth keeping all funds in one currency. It is wise to distribute them evenly among several species.

Optimal currency storage scheme in 2019

Experts believe that the following scheme is optimal for saving money with minimal risk:

25% - on a ruble deposit
25% - in dollar deposit
25% - on a deposit in euros
25% - in another economically "strong" currency.

Conditions in the Top 5 Russian banks for foreign currency deposits

	In dollars (%)	In dollars (an increase at the end of the year to the basic deposit of $ 1000)	In Euro	In euros (increase at the end of the year to the basic deposit of 1000 €)
Sberbank ("Save OnL @ yn")	1,16	116	0,15	15
VTB 24 ("Profitable")	1,36	136	0,01	1
Alfa Bank ("Pobeda")	1,46	146	0,1	10
Gazprombank ("Perspective")	1,2	120	0,1	10
Promsvyazbank ("My benefit")	1,8	180	0,5	50

* the deposits with the maximum profitability for the calendar year are indicated

Storage in Eurobonds

In addition to buying foreign currency and opening foreign currency accounts, foreign currency units are placed in the shares of foreign companies - Eurobonds. Their yield is about 4%. At the same time, this type cannot be called affordable - the cost of the package starts from 100 thousand dollars.

Another tool for profitability of foreign currency is currency futures. This is a type of contract in which the parties to the transaction agree on the future price of buying / selling currency at a fixed price. You can make a profit from a financial document directly - at the end of its term - or by resale on the stock exchange.

The issue of keeping money does not lose its relevance for many years. Many people are interested in what currency to keep their savings in so as not to lose their hard-earned money? The dollar or the euro is not afraid of depreciation, so which currency is the most stable? We will try to deal with this issue.

The government of the Central Bank insists that it is profitable to keep funds in rubles, since inflation has been significantly reduced. Experts say that the euro is currently unstable, and the dollar will begin to rise.

Currency fluctuations in 2018 are associated with changes in the foreign exchange market. Economic and political factors play a role. This should be taken into account when choosing a currency for storing funds.

What is worth knowing about the dollar?

The US dollar is gaining momentum, experts say. Many indicators of the microeconomics of America speak of minimizing unemployment in the country and economic growth. As a result, the rate will increase, the currency will be able to strengthen.

US dollar mostly gains positive momentum

The risk factor is the unknown direction of Donald Trump's policy in the future. The issue of relations with China is topical. The dollar is greatly influenced by the decisions of the President of the United States.

Briefly about the euro

Many investors prefer to refuse to work with the euro, because the exchange rate is unstable. The positive dynamics of the eurozone is returning to its normal circles, but there is a risk regarding the political situation. There is a high probability of losing the stable position of the currency. The tense situation is observed in the banking sector.

The euro has a high probability of losing the stable position of the currency

Some experts claim that the euro is strengthening in comparison with other currencies. The role is played by the position of Germany, France, the resolution of issues on Brexit. There are many influencing factors, it is difficult to say how the currency will behave.

Russian ruble

For many, it is a risky currency, heavily dependent on the oil market. If oil quotes rise, the ruble will consolidate its position against the euro and the dollar. Experts refuse to give affirmative assessments, because the price of "black gold" may significantly decrease.

This risky currency highly dependent on the oil market

The advantage in reducing the growth of inflation is that the benefit of keeping money in ruble accounts with banks grows. The government offers the people the tools to help them get the most out of their investments.

What currency should you store your savings in?

Alexey Kudrin, head of the CSR, adheres to the differential separation of funds for storage in foreign currency. He says that it is most profitable to divide the available funds between three well-known currencies - the euro, the ruble, the dollar. Government bonds, which yield 9% per year, will be a good investment.

Some stick to savings in rubles

Elvira Nabiullina, the head of the Central Bank, makes a reference point for many users to the ruble, because this currency is safe this year. Inflation is minimized, money does not actually depreciate. Interest rates on deposits in banks have become profitable. It is not known how the euro position will develop. The dollar has a lot of potential to strengthen its positions. The increase in the Fed's discount rate will have a positive effect on the change in the dollar exchange rate.

Many are calmer when the currency is stored in dollars.

When buying a ruble, there remains a risk - devaluation. The Ministry of Economy and Development says that the dollar will rise to 70 rubles per dollar. As a result, the loss of the value of the ruble by approximately 20% amid a negative development of events in relation to changes in the dynamics of the oil price, devaluation is threatened.

If there are a lot of offers on the oil market, the price will go down to $ 40 per barrel, the dollar will remain at the position of 75 rubles per currency unit. As a result, the value of the ruble will go down significantly.

Many keep their savings in different currencies

Officials in Russia are still advising all residents of the country to keep their money in rubles, because this can slow down inflation. Interest on deposits in banks will be able to cancel the negative indicator - the depreciation of money. Experts insist on dividing the available funds, keeping money in three currencies. The alternative is buying government bonds. Knowing what currency is best to store your savings, you can avoid problems.

How to store savings?

Rationally approaching this issue, deciding what currency is best to keep your money, you need to study a lot of information. These are the current economic situation in the USA, European countries, Russia, potential changes, politics, potential crises, oil prices. The possibility of storing all available money in one currency is immediately excluded. It is difficult to predict how the economic performance of many countries will unfold in the future.

You can open a deposit in the bank without changing rubles for another currency

The role is played by the main purpose of the currency transfer - saving money or earning. If you want to save funds, you can open a deposit in the bank without changing rubles for another currency. This eliminates the influence of inflation and guarantees the safety of money. Speaking about multiplication, it is worth remembering such a concept as risk. Whenever you try to make money with money, there will be risk as such. This question can be entrusted to a bank specialist who will have to pay a commission. Unfortunately, no one can guarantee that predictions and bets will be made correctly.

You can also give preference to the currencies of developing countries

You can give preference to the currencies of developing countries. Will it be right? The value of the currency of developing countries depends on many indicators - popular unrest, political instability, limited energy resources. The exchange rate is not always available, it is not always possible to find the desired currency. Such an investment will be risky.

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Where is the best place to keep money?

There are two common answers to the question - at home or on deposit at the bank. When you are at home, money has maximum liquidity - if necessary, you can easily take and spend it. While in the bank, money multiplies, at least it is protected from inflation. The difficulty lies in choosing a bank that can be trusted with funds. A high interest rate is an indicator of risk. No organization operates at a loss. Many people avoid banks, remembering how many financial institutions go bankrupt.

Keeping money in the house will not add to it in any way.

There is an opportunity to purchase government bonds - a very liquid instrument, its implementation is carried out in any Sberbank. Before buying, it is advisable to consult with a bank employee, to understand all the nuances of the product.

Being in the bank, money multiplies

Keeping funds, currency in a safe deposit box is actual. This is an opportunity to keep the earned, not to waste the amount, as if the money were at home. There is a risk in the safety of funds - not all banks have administrators, employees are responsible for storing content in cells.

How to choose a currency for storing funds and what should be guided by?

The answer to this question is simple:

It is necessary to study a lot of investment resources, consider exchange rates, factors affecting changes in the indicator.
How many people, so many opinions. We refuse to focus on friends, acquaintances, neighbors.
Banking consultants are not helpers. They will offer storage in the currency that is beneficial for them.
Combine keeping funds in foreign currency with keeping cash, investing in precious metals, bonds. Allocating funds will help avoid problems.
Turning to experts is not a solution. Experts are interested in explaining macroeconomic indicators to the client, getting cash, but not in the safety of your funds. Keep this in mind when asking experts about investing in currencies.

How to make a savings plan?

The plan is drawn up individually, based on the amount on hand, needs, needs, and so on. Many refuse to save up, sometimes buying unnecessary products and goods. This is an unjustified investment. Keeping money in rubles will be relevant if you need it as a quick liquid means of payment. If you are traveling, exchange money for the currency of the country you are traveling to.

There is no single correct scheme for solving this issue. You can find it by trial and error. It is worth trying investments in different currencies, to see the benefits of the process. The role is played by the study of recent changes, trends of the last 5-10 years concerning the foreign exchange market. The reasons for the currency jump in both directions, the duration of the currency's stay at a certain rate are tracked. Focusing on this indicator, you can calculate what share of funds in which currency is worth investing.

Considering investments for the purpose of overall purchase, be guided by the currency in which the thing you need, equipment, real estate will be purchased in. By storing funds in another currency, there is a risk of losing a considerable amount of funds at the exchange rate. In rare cases, you can win on the exchanger, but this is far from always possible.

The savings plan is drawn up individually

We'll have to study the forecasts of specialists, experts, and monitor changes in economic situations on more than one side. This will be beneficial in the future.

It is quite simple to accumulate the required amount of funds:

Calculate the minimum amount for living for a month.
Compare with all household income.
Refuse to buy unnecessary things, products, equipment.
Save a certain amount in your chosen currency every month.
Consider the optimal deposit that multiplies the available funds. Speaking of long-term savings, one can consider precious metals, currencies, and securities. Considering short-term goals, you can store funds in rubles.

The role is played by thinking through an investment strategy, which is also very important. It is impossible to predict the behavior of a currency in the long run, and it is unrealistic to outplay the market. The strongest currency can now lose its positions in six months or a year. People who survived 2008 often keep their money in euros. But at the maximum rate of the euro, you can lose a third of your funds in dollars.

It is more correct to focus on the cyclical nature of the market, in the long term. Remember, an unstable situation during a crisis or during surges in foreign exchange markets is a reason that prompts you to make wrong decisions in a hurry.

Focus on the place of your further residence. When planning to leave for an EU country, you should not keep funds in rubles. Some talk about the benefits of buying euros and dollars, keeping rubles on hand only in the form of the necessary cash.

Save money to buy high-value items

Speaking of storing funds in foreign currency for the purpose of buying expensive items, a clear calculation is made. It is not worth saving up for 2-3 expensive things at the same time - there is no benefit. It is better to purposefully set aside funds for the purchase of one expensive product, after purchasing it, setting a new goal. As a result, in terms of value, the costs will be more than justified, the issue of keeping funds will not bother you, and you will be more relaxed about fluctuations in the exchange rate.

Taking into account the advice given above, you can choose the best scenario for yourself regarding the storage of funds in the currencies of different countries.

The Russians are better off trusting the ruble. They should carry their modest savings to banks and arrange deposits in national currency. This opinion is shared by the president of Sberbank, German Gref. "Lenta.ru" talked with experts and analysts and received some advice on how to save savings. There was no place for the ruble in the recommendations of specialists.

Ruble under the pillow

Non-professional investors (that is, most of the Russian population) should not play with currency and seek their fortune in euros or pounds sterling. The best way to keep small savings is to keep them in rubles. Gref talked about this on July 6 during a conversation with users of social networks.

He also warned Russians against keeping money “under their pillow,” as even small amounts must be in motion. The most reliable instrument in this case is bank deposits, says Gref: “Savings in the amount of 100 thousand rubles should be kept in rubles. The ruble has a tendency to strengthen so far ”.

Indeed, the Russian currency has strengthened in recent months from 75.5 rubles per dollar in January to 64 rubles in July. The exchange rate rose by 15 percent (which, by the way, greatly worries exporters and the economic recovery).

In such conditions, it seems that the ruble has a margin of safety, that it can grow further. But it is worth remembering that the national currency has been in free float for almost two years. Almost any change in external conditions leads to its fluctuations. To protect yourself from them, you need to work out a personal financial strategy that excludes the ruble, or scatter at least some of the money across other currencies, precious metals and even securities.

The personal investment program will vary depending on the money at your disposal.

100 thousand rubles

Owners of such an amount should pay attention to two possibilities: either buy foreign currency, or open a deposit (however, both currency and deposits remain relevant with any savings - the larger they are, the wider the opportunities for choosing different financial products).

First, about the currency games. Experts interviewed by Lenta.ru advise making a choice in favor of the dollar. Rubles are needed for everyday consumption, but it is not worth saving in them.

“With small savings, it is better to keep most of the funds in the currency in which you are spending. You can buy foreign currency throughout the year. Otherwise, it may turn out that you are going to leave, and it is at this moment that the ruble has weakened greatly, "recommends Bogdan Zvarich, an analyst at the Finam group of companies. In general, he believes that it is better to break savings into different currencies - the dollar looks the most interesting, but towards the end of the year it may fall in price and go to 60 rubles.

“The simplest and safest strategy is diversification. One third of the funds should be kept in rubles, one third - in dollars and one third - in euros. Changes in the exchange rate of one currency will be offset by fluctuations in the exchange rates of others. You won’t make much money on revaluation, but you won’t lose on the exchange rate difference, ”comments Daria Kirilochkina, an analyst for products at the Exante investment company. She herself prefers dollars - historically, they look like a more attractive asset than rubles. There are also advantages over the euro - there is one nation behind the dollar, united by common interests, while internal conflicts are constantly going on in the EU, recalls Daria Kirilochkina: “If necessary, the Americans will always quickly agree within the country. Consider, for example, the story of the rise in the public debt ceiling. The European Union will argue and swear for a long time, while the euro is weakening against this background. Brexit is an excellent example of such risks being realized. "

“Now is the perfect time to buy dollars. The target for the American currency is 73-75 rubles, ”predicts Mikhail Krylov, director of the analytical department of the investment company“ Golden Hills-Capital AM ”.

Now about the contributions. As you know, it is almost impossible to earn something on them, they are created to protect savings from inflation. Today the annual inflation rate is 7.5 percent. So that the money does not depreciate, you need to look for a deposit with a rate higher than this level.