Hello, friends!

I have 2 news for you. One of them, as usual, is good, and the other is not very. Let's start with good or even excellent news. If you are wondering where to keep money, it means that they have them. And this, you see, wonderful. Bad news is that if this question is relevant for you, then you have not yet found the answer. Is that bad.

Our task is to find not only the answer to the question where to store, but also how to increase your savings. I will share my experience. He is still small, but it is. The fact is that by virtue of his profession (I am an economist and copywriter) I read a lot of professional literature. The topic of personal finances is very worried about me lately.

I will not take on the role of a financial consultant, but I will give advice so that you also get on the way to conserve and enhance own funds. Believe me, it is not so complicated, as it seems. And at the end of this path only the most rainbow perspectives are visible.

True, every person sees only what he wants to see. Therefore, I foresee negative responses to the article. I have already heard more than once that with our life and our salary should not even think about the preservation of money.

Friends, if you can't solve the problem of personal growth for yourself and forever and forever, that is, a huge number of trainings that will help raise self-esteem. Everyone can change their lives as he wants it and then when he wants it. Keyword - wants. I wanted for 40 years and did it. It is a pity that the awareness of change has not come before.

If after that you stay on the sofa whining, then let us leave you there. Further go only with readers who want to make an attempt to change something in their lives.

Why did such a long introduction? Because many of us are still completely incorrect to the money. They are afraid of large sums, they are shy. It is believed that wealth and wealth are not for them. And for whom then? No one is born with karma to be poor. We ourselves crank ourselves in a dark angle. Let's look at the light of it.

Why can not keep money at home?

According to Rosstat in 2017, the volume cash savings The population grew by 13.8% and continues to grow. But where is all this money stored?

In Russia, sociological surveys are often conducted, including in the ways of storing money. Russians have money, and they are trying to save them and accumulate. But preference is still on the side of cash.

According to the results of the survey of the Romir Research Holding, every Tenth Russian prefers to keep free money at home.

You will not find a single financial expert who considers this method the only possible and safe. Should you entrust your savings bedside table or a tank of the toilet? Let's look away positive sides Such storage:

1. Money is always at hand and at any time they can be taken for urgent needs.
2. Only you are responsible for their safety and does not depend on financial structureswhich can go bankrupt or lose the license.

This pluses ended.

1. Money keep houses dangerous. Thieves may drink, and you lose all accumulations. They know you better, where most Russians keep money. You are unlikely to hit them with your originality.
2. Any disaster (fire, flood from neighbors, the explosion of household gas) will lead to the same deplorable results.
3. You can forget where money hid.
4. Family members or you yourself can accidentally throw away or spoil bills.
5. And most importantly: money will be depreciated every year as a result of inflation. And when they are investing in interest in a bank or other investment tools, they can bring income and quite quite good.

No one says that keeping cash at all do not need. It is necessary, but only a small amount for weekly current costs. In the wallet for a long time should take bank cards And a trifle on the passage.

If not at home, then where is more reliable and more profitable, keep free money?

Personal Finance and Methods for their savings

Before answering this question, we divide personal finance for individual categories.

Money for current needs

This is the sum of your monthly expenses. If you do not know them, it will be able to help. It will take into account not only all your expenses, but also income. You can do it different ways: Record on paper, enter into spreadsheets or enjoy special programs.

I had enough pair of months to get a complete picture of my family income and expenses. Then I was able to start planning a month ahead. Now the whole family is involved in the discussion of future spending. The daughter says that he wants new jeans, and her husband needs to go through that car. Please put on the expenses of the next month. But, if there is also a fashionable blouse besides jeans, what article can we donate?

How best to store this type of finance?

1. Partially in cash at home in compliance with all security measures.
2. In a bank on a savings account. It must be replenished and have the ability to remove, so that at any time the money is with you. The main disadvantage of this method is that you depend on the bank's mode of operation.
3. Banking. It is on the debit card that it is worth keeping money for current expenses, and not on credit. We have repeatedly spoken and great temptation to take advantage of others. The main advantage of a debit card for storing money is its mobility and independence from the bank's operation mode.

Often ask a question, what is better to keep money? In what currency? Experts have already answered this question. Currencies should be different: rubles, dollars, euros. You can buy yuan, swiss francs or pounds sterling. But keep in mind that such a way is not quite successful for storing current finances.

First, it is better to use it in the long run, because you can lose a lot when converting currencies. Secondly, you also depends on the exchange mode of the exchanger.

How much money can be stored on the map? How much. There are limits for cash withdrawal, transfers, but not storage. And do not forget that the state guarantees only 1,400,000 rubles. to return in the case of bankruptcy of the bank.

The next category of personal finance and one of the most important is your backup fund or airbag. This is money for emergency costs. For example, you needed money for the operation, the car broke down, the neighbors flooded or you lost work.

The stock of financial strength should be such that you can live 3 - 6 months on your savings. For example, if you spend 40,000 rubles per month, then the reserve should be in the amount of 120,000 - 240,000 rubles.

What requirements are presented to this type of savings:

1. Mobility, i.e. you should be able to quickly get at your disposal money. Therefore, the accumulative or savings banks in the bank and debit cards. Try to pick up deposits with monthly percentage and with the possibility of replenishment and removal. Then you can not only save, but also save. And debit cards are better to choose with interest percent on the residue.
2. This money should be stored separately from the current. This is your inviolable stock that must be consumed in case of extreme need. If you have not yet created a airbag, then this is the first thing you need to start doing right now.
3. The reserve fund in one account should not exceed the amount of 1,400,000 rubles. Because it is such a compensation that you guarantee the state in the event of a bankruptcy of a financial institution.

1 way. Traditional storage in rubles or currency on the deposit. Requirements for the deposit:

• the ability to replenish, but not to remove;
• monthly capitalization of interest;
• interest rate above inflation;
• bank reliability;
• amount up to 1,400,000 rubles. (if more, spread to several accounts and preferably in different banks);
• separate deposit for each goal.

2 way. Pynes.

These are mutual investment funds. In this case, you act as an investor, because you will invest your money in securities, real estate, gold and other assets in order to make money on it.

The main advantage of mutual imagines is that it is possible to be an absolute newcomer on stock marketto start investing. All the work on the analysis of markets, the choice of optimal solutions and the process itself will take on the management company. Your task is to determine what risk you are willing to go. Based on this, and choose a specific effect.

Experts advise to start investing in funds with the amount of at least 50,000 rubles. The choice of management companies in Russia is quite large. About cooperation S. foreign companies It is worth reading books on investing or communicating with financial advisors.

Investments in mutual impacts bring income in the medium or long term. No need to post your funds for 1 or 3 years. The market is constantly in motion, then up, then down. And only when accumulated within the period from 3 years you will get the expected result.

What gives investing in mutual funds? First, the income is higher than on deposits in the bank. Secondly, risk diversification. You do not invest in the securities of one company, such companies may be several dozen in one pyfe. The activities of the management companies are tightly regulated by the state, they do not allow to invest where they fell.

3 way. Individual investment account (IIS).

Many large banks of Russia provide services for the opening of IIS. What it is? This is a special replenish account, the money from which you can through brokers or managing company Invest in promotions, bonds, real estate.

Due to what is the income for IIS? Due to the growth of the value of those securities that you purchased, and by returning income tax individuals (13%) from the state.

The minimum period on which IIS opens - 3 years. In this case, you have the right to reimburse tax on the income of individuals.

For long-term goals

In addition to short-term goals, each family, I think should have a long-term. For our family - one long-term goal. This is a worthy life in pensions. The state cannot, and it should not provide our 100% content in disability. But it is obliged to create the necessary mechanisms so that the person can provide himself in old age.

Unfortunately, our state and our citizens are still at the beginning of this path. While people in developed countries Start retireed from the start of work, most Russians are trying not to think about it at all.

As Francois Rabel said, "the point is not to quickly run, but to run out early." These words illustrate such a thing as time. It can solve the problem of secured old age in the future. Question in competent use.

What can we do now? What are the mechanisms of savings and accumulation of funds to be effective? Financial consultants can offer different investment tools for money to a future pension, but they all agree that these strategies should be as ragish.

Option 1. Accumulative insurance companies.

it investment instrumentwhich allows you to create pension accumulations. Usually, insurance Company guarantees the safety of funds and minimum income. At the same time, the investment strategy in this case is the most conservative, because the state controls the investment and allows it to do only in the most risk-free assets.

In addition, the insurer ensures the life insurance and the working capacity of the client. The validity of the program is from 5 to 35 years.

Accumulations are inherited in accelerated mode, do not share when divorced is not subject to arrest. You have the right to compensation income tax from the state.

Option 2. Individual pension plan.

Very similar to accumulative program In insurance companies, but does not provide insurance. Opens to non-state pension funds. You independently determine the size and regularity of contributions. The Foundation will invest your funds in conservative (risk-free) assets and charges you income (minimum).

The amount of pension depends on the savings. And the same as in the previous instrument, the accumulation is inherited, they are not arrested and not divided by divorce.

Option 3. Gold, platinum, silver and other precious metals.

Attach money in precious metals in three ways:

• Purchase of physical gold and other metals in the form of ingots, coins. Be prepared for the payment of VAT 18%. There may be unexpected problems.

My girlfriend acquired a gold ingot in the largest bank Russia. He was in the package and did not open it throughout the storage period. When selling in the same bank, a commission was created to assess the state of the ingot, which found scratches (I remind, the ingot in the package was not opened with the hostess and lay in a safe for several years without movement). The cost was immediately reduced.

• An impersonal metallic account (OMS). You can buy and sell as many precious metals as you want, never holding them in your hands.
• Investments in the funds of precious metals. Your income depends on the increase in prices for them.

Option 4. Pynes. To preserve and accumulate money on a retirement or the purchase of a house by the sea, you can choose different funds: from conservative to aggressive.

Option 5. Acquisition of real estate. This is a favorite way to invest our citizens. Is it safe to keep money in real estate? It all depends on which one. Experts have not considered this option for a long time as highly profitable and riskless. Real estate prices are far from always grow, and sometimes they are disastrously falling.

You can invest money in real estate disease. First, this is not a single object, but a whole series. Secondly, manage the Professionals Foundation. Thirdly, you do not have to have a large amount for purchase.

Conclusion

In conclusion I want to bring the numbers that in his book gives one of the first financial consultants in Russia, Vladimir Savenok. This is the answer to the question where the money is stored is rich?

• 25% - pension plans,
• 20% - securities and investment funds,
• 20% - Real Estate,
• 20% - business,
• 15% - Other, including banks.

There is something to think about.

The art of maintaining and multiplying its finances should be taken from childhood. That is why I think it is necessary to pay as much attention as possible. Then maybe we will be more calm for our future. What do you think about it?

Extrasens Merilin Kerro on its official site told about where it is best to keep your money in the house, so that not only to preserve them, but also to increase. According to the participants of the "Battle of Psychics", there are certain places in the house that activate money energy and contribute to increasing profits. There are also places in the room where the money is categorically impossible to keep. So, where to keep money to attract financial flows into your life?

Where you can't keep money

Estonian Witch Merilin Kerro argues that there are unfavorable places in the house where money cannot be left under any circumstances.

Bedroom. This room is designed for sleep and recreation, so there is no place for money with their complex energy. Money stored in the bedroom will lose the ability to grow and multiply. They will continue to lie without a case, their energy will appear after a while, which will ultimately lead to their complete loss or useless spending. You may be drowned, or you will spend them on the fact that you will not bring you no benefit or moral satisfaction. It turns out that not only the bedroom negatively affects money, but also money has a negative impact on this room. Cash energy will interfere with your holiday and sleep. You can start to suffer from insomnia, migraine and bad mood in the morning.

Bathroom. According to the participants of the "battle of psychics", Merilin Kerro, in the bathroom it is impossible to store anything valuable, and especially money. There is a lot of water in the bathroom, the energy that has the cleaning property. According to psychics, money stored in the bathroom will flow from you like water.

Where to keep money to become rich and successful

There are in the house and places that have favorably affect the cash energy and further activate it. According to Merilin Kerro to attract money, all its savings are better stored in the kitchen and in the living room.

The kitchen is a symbol of family wealth. In this room focused a large number of Strong energy capable of attracting money. In the kitchen, its savings are best kept in a jar with a cereal. According to an old belief, the croup is a symbol of wealth. If you put at least one bill in the jar with a cereal, then in a short time it will attract cash wealth to you.

However, there are certain seats in the kitchen, not intended for storing money. Do not hide your savings in the oven. The gas stove is endowed with the energy of fire, which will negatively affect your material position. Money will "burn" or "dull".

In the living room, too, you can store money. According to the extrasens of Merilin Kerro, money in the living room must be kept in an inaccessible place for others, otherwise they will lose their accumulative strength.

How and what to keep money to increase profits

Merilin Kerro recommends keeping his savings always on the same place. You should not constantly change the location of your piggy bank, otherwise your income will be unstable. Money must "know" only one place.

Store money is best in a red envelope. Red color activates cash energy and contributes to the growth of your savings. If you do not have a red envelope, then any box, box or red bank will fit.

If you store money in the piggy bank, it must be from porcelain. This material has a positive effect on cash in the house. We wish you financial good luck and do not forget to press the buttons and

05.04.2014 12:50

Often, the housewarming can turn to mourning: joy from the instill in new apartment Can overshadow poor energy ...

Today we will talk about where to keep money. Immediately I want to emphasize the attention that money loves accurate treatment, competent distribution, accounting and careful storage. Only in this case they will be enough and will be enough for everything necessary for life. Moreover, with competent storage and handling, your money will turn into: they will begin to redistribute, turn around and even create other money.

On the financial genius, it has already been very much written about how to competently manage personal finances, and today I want to consider another important side of this question: where it is better to keep money. As I tell me, I will give references to other articles of the site, where individual issues are considered in more detail: by going through them you can find out the details. So where to keep money ...

I will start with the fact that the recommendations that I will give today are more suitable for a relatively stable economic situation. In peaks, some of them may already be relevant: they begin to act their, anti-crisis rules and laws. We assume that there are such periods, if there is a place, then it will be short-lived, and have already been considered separately.

To say for sure where to store money, first of all it is necessary to divide the existing amount for several parts depending on what they are intended and used. Each of these parts provide their own money storage rules.

1. Personal money.

The most simple and widely used part of personal finance is money for personal needs or. Moreover, for many people and families, this is generally the only direction of use of money, which is completely wrong, regardless of the level of income.

How to store money intended for personal current spending? I suggest to do it in two ways:

1. Store cash cash - In this way, it is best to keep the most insignificant part of the money, for example, as much as you need for life during the week. This is simultaneously and allow you to always have the amount required for current calculations at hand, and will protect you from all sorts of criminal situations that may arise when storing large amounts of money in cash. And even if you just lose money - there will be a bit of them, and not so sorry.

2. Store money on the map - This method is suitable for storing the main part of personal money, but not too large amounts. Optimally, in my opinion, keep money on the map money for personal needs in the amount you have enough to pay for your monthly expenses.

And, which is very important, the card, firstly, should not be a credit, since credit cards There are always increased and unfavorable service rates. Secondly, it is very desirable to keep money on the map, which, on the contrary, implies preferential tariffs, in particular, the main criterion here will be free cash. This may be, for example, a map for obtaining some social payments or a card issued to issue interest on the deposit (you can open the contribution to the minimum amount only for the sake of obtaining this card).

2. Reserve Fund.

The next direction of the distribution of personal finances is intended for use in case of force majeure. In the reserve fund, it is advisable to always keep the amount equal to your 6 monthly spending. That is, this part of personal finance should provide you with life for six months if you suddenly lose your source of income.

Where to store money intended for use as reserve Fund? In my opinion, two tools are best suitable here:

1. Current deposits, or deposit and removal deposits. That is, you need to keep money in the bank, but so that it is always free access. Interest will be accrued for this part of the money, which will allow you to make a little compensate for inflation, and, at the same time, you can use them at any time.

2. Foreign currency. The option is more relevant for an unstable financial situation in which national currency greatly devalues.

You can also combine both of these methods for storing money for the reserve fund, that is, to open the current deposit in the currency for these purposes.

3. Savings.

4. Work capital.

And finally, the last and most important category of money, which is only a small part of our population. - This is money that create other money, and intended for this. In this case, the tools for storing money in this case are called investment or investment, and a person who has capital becomes a private investor.

That's all. Now you know where to keep money. I strongly recommend to distribute them in this way - then you will always have an order with personal finances, and they will be used strictly in their intended purpose. Otherwise, money "eternally will not be enough."

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The cherished desire for many people is to successfully invest money and live in bank interest. And even if the invested funds do not allow to be pissed, then multiply the number of monetary signs is also quite nice. What kind of proposals promise the highest interest on deposits in banks? The ranking lists the most favorable contributions 2018 for today, one of to earn.

Depositors note: If the amount of money on all open accounts in the bank a maximum of 1 million 400 thousand rubles, insurance payment In the case of a bank default or deprivation of its license, it will be 100%.

Interest rate: 8.25%

Opens the rating very high rates By deposits, the offer "Cumulative" (online). As clearly from the name, the contribution requires registration via the Internet, otherwise the interest will be less profitable (7.95%). The rate depends on the duration and minimum amount; 8.25% are achieved only under the amount of 1.5 million rubles. And the period from six months to a year.

Potential depositors should be borne in mind that MIB in recent months did not fulfill the requirements of the Central Bank for Adbavas. True, it can maximize the bank with restrictions in some aspects, but not by imprisonment of the license.

9. Absolute Bank, Contribution "Absolute Maximum +"

Interest rate: 8.25%

The interest rate of the offer "Absolute Maximum +" depends on the amount of the contribution and the period of its action. The declared 8.25% can be obtained from the amount of deposit from 30 thousand rubles. and duration of six months.

The Absolute Bank passed the major shocks of this year - he was separated by only a small decline in the rating, but still possesses the status of "stable".

8. Bank East, Deposit "Christmas - VIP"

Interest rate: 8.25%.

To be completely accurate, then the proposal "Christmas - VIP" offered by the East Bank, the interest rate differs depending on the value of the minimum amount and the validity period of the deposit. Minimum amounts are ranked from 1 million to 30 million rubles, and the validity period - from three months to a year.

True, the future of "Eastern" looks rather foggy - after merging in favor of "Uniastrum Bank" "East" continues to lose money. As a result, the bank ratings decreased to the predefate state. And who knows whether Dmitry Levin will be able, the former head of the Russian Standard, save the situation.

7. Renaissance Credit, Contribution "Renaissance Profitable"

Interest rate: 8.35%.

The Renaissance Proposal Offer, besides an interesting name, is characterized by the following feature: the percentage depends on the validity period of the deposit. The less time, the less percentage (starts from 7.5%). The stated rate of 8.35% is intended for a contribution of 400 days and the amount of 10 thousand rubles. You can open it through the Internet Bank.

Renaissance Credit is a rare bank without experiencing big problems now. On the contrary, he does successes - that was even pissing Alfa-Bank in the field of lending to the trading industry. And "Commensant" awarded him the honorable fourth place in the ranking of bank profitability.

6. Russian capital, Deposit "Digital Bonus Online"

Interest rate: 8.5%

« Russian capital"Invites the Contribution" Digital Bonus online "with a minimum amount of 100 thousand rubles. For a period of three months. To get such a proposal, you need to register the contribution via the Internet. If you make a contribution to the office, the interest rate is lower and is 8%.

By the way, potential depositors should be prepared for the fact that the name of the bank will change to the "House.rf-Bank": the bank has a new owner and a new strategy.

5. Moscow Credit Bank, the contribution of "New Year's"

Interest rate: 8.5%

Distinctive feature of the "New Year's" contribution - extremely low amount initial contribution; It is only 1000 rubles. Deposit period - half a year.

Although the ICD rating in the international arena negatively influenced excessive lending to large enterprises in a difficult financial situation, the depositors' money is unlikely to reflect. And according to the Central Bank, the ICD is one of

4. Promsvyazbank, Contribution "My Income"

Interest rate: 8.55%.

An interesting offer with the promising name "My income" from "Promsvyazbank". The minimum amount of 100 thousand rubles, the percentage does not depend on the duration of the contribution. But is it worth trusting your money "Promsvyazbank"?

Recently it turned out that the Bank of Russia suspects that Promsvyazbank management made a number of rather ambiguous, if not directly illegal, operations. And the head of the bank went abroad before the new year, presumably in the center of attraction of all humiliated and offended politicians and bankers who did not find places in Motherland - London. In such circumstances, it is worth folding two and two and firmly think about.

3. Bank Revival, Deposit "New Year's percentage"

Interest rate: 8.55%.

In the first three of the most high deposits In banks there is a proposal of "New Year's percentage" from the bank "Revival". The minimum amount is 50 thousand rubles, the contribution is urgent, interest is paid at the end (validity period - from three months to a year).

However, in connection with the recent news, the future of the bank, though it looks relatively stable, but not brilliant. At the end of 2017, the RAEX agency reduced the Renaissance rating of the "Renaissance" credit rating, and the renewable sanitation of the "revival" of Promsvyazbank could not affect customer mood.

However, the Bank is among the largest banks Russian FederationSo, regardless of the circumstances, it will be dragged - perhaps due to the budget.

Interest rate: 8.87%

Pretty attractive looks like the annual proposal "New Year's Privilege" from the bank "Soviet". 8.87% with the possibility of replenishing the account, prolongation and the minimum amount of the contribution from 10 thousand rubles looks quite attractive, isn't it? But in each barrel of honey there is its own spoon of tar.

The Bank "Soviet" is a difficult story associated with major financial scandals. At the end of 2015, doubts appeared in the viability of Soviet. Since then, the Bank is trying to sanitize different banks with a little success (up to the disappearance from the person of the Bank's Arena of Russia by the banking bank, together with all the money taken from Soviet in its favor). Is it worth risking? Decide deposit.

1. Binbank, "Contribution to the Future"

Interest rate: 9.50%.

The highest percentage of the contribution in rubles has a sentence for a period of six months called "Contribution to the Future". The condition for obtaining interest is the execution of the Bank's employees to lifetime insurance with a minimum contribution of 50 thousand rubles.

Binbank also has one of the bid of which reaches 8.3%, provided that the minimum deposit amount will be 50,000 rubles.

In September 2017, Binbank representatives themselves voluntarily came to the leadership of the Central Bank with a request to spend their sanation. The autumn of this year in the banking market was generally full of shocks. Three of the banks renovated at the present moment may be merged in ecstasy - at the moment there is a discussion of the unification of the "discovery", "Binbank" and "Promsvyazbank". How will this affect the depositors? According to analysts, timely sanitation is the key to the effective work of the Bank, and the funds of customers will not suffer damage.

Summing up

• For those who have small amounts - from thousands of rubles to 10 thousand rubles, contributing under high percent: "New Year's Privilege" (second line of rating), "New Year's" (fifth place list) and Renaissance profitable (seventh lines).
• Depositors who have from 30 to 50 thousand rubles can take advantage of the Binbank offers in 2018 (first line of rating), "Renaissance" (third place in the selection) and "Absolut Bank" (it is at the ninth position).
• People who can afford to put on account from 100 thousand rubles, are waiting for a "digital online bonus" (6 position of this top-10) and "My income" (4 stitch).
• Such deposits as "accumulative" (10th place) and "Christmas - VIP" (8th place) are designed for the rich, able to discover the contribution by 1.5 million rubles and higher.

Almost all the contributions specified in our top 10 are designed for a long term "storage". If you are not satisfied with this situation, and I want to get a little less, but quickly, then it is better to look at the suggestions for which there are still valid until the end of 2017 (and some - and at the New Year holidays).

Russians better trust ruble. They must carry their modest savings to banks and make deposits in national currency. This opinion adheres to the President of Sberbank Herman Gref. "Lenta.ru" talked with experts and analysts and received several advice on saving savings. The ruble in the recommendations of specialists did not turn out.

Ruble under the pillow

Unprofessional investors (that is, most of the population of Russia) should not play with currency and look for happiness in euros or pounds sterling. The best way to maintain small accumulation is to leave them in rubles. Approximately about this Gref on July 6 during communication with social network users.

He also warned Russians from storing money "under the pillow" because even small sums must be in motion. The most reliable tool in this case is bank deposits, Gref believes: "Savings in the amount of 100 thousand rubles should be stored in rubles. The ruble is still a trend towards strengthening. "

Really, russian currency In recent months, C 75.5 rubles per dollar in January to 64 rubles in July. The course rose by 15 percent (which, by the way, is strongly worried about exporters and restoration of the economy).

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

Personal investment program will vary depending on the available money.

100 thousand rubles

Owners of such a sum should pay attention to two possibilities: either buy foreign currencyOr discover the contribution (however, the currency and deposits remain relevant for any accumulation - just what they are more, the wider the possibilities for choosing different financial products).

First about the games with currency. Experts surveyed by "Ribbon.ru" advise to make a choice in favor of the dollar. Rubles are needed for everyday consumption, but you should not make savings in them.

"With small accumulations, it is better to store most of the funds in the currency in which you spend. You can buy currency for vacation within a year. Otherwise, it may turn out that you are going to leave, namely at that moment the ruble is strongly weak, "recommends the analyst of the Finam Group of Companies Bogdan Zvych. In general, he believes that the accumulation is better to break different currencies - Dollar looks the most interesting, but by the end of the year he can cheaper and go to the mark of 60 rubles.

"The simplest and most secure strategy is diversification. There is a third of the funds to hold in rubles, a third - in dollars and a third - in euros. Changing one currency exchange rate will be compensated by oscillations of other courses. You will especially not earn a revaluation, but also do not lose on the course difference, "comments the product analyst investment company Exante Daria Kirilochkin. She herself prefers dollars - Historically, they look a more attractive asset, rather than rubles. There are advantages over the euro - per dollar costs one nation, united by common interests, in the EU, internal conflicts are constantly going, reminds Daria Kirilochkin: "If necessary, the Americans will always quickly agree within the country. Remember, for example, a story about raising the ceiling of the public debt. The European Union will argue for a long time and swear, and the euro in this background weakens. Brexit is an excellent example of the implementation of such risks. "

"Now the perfect time to buy dollars. The purpose of American currency is 73-75 rubles, "forecasts the director of the Analytical Department of the Invest Company" Golden Hills-Capital AM "Mikhail Krylov.

Now about deposits. As you know, it is almost impossible to earn something on them, they are created to protect savings from inflation. To date, the annual level of inflation is 7.5 percent. So that money does not depreciate, you need to look for a deposit with a bet above this level.