The life of a modern person cannot be imagined without a variety of objects, phenomena and substances, and almost all of them are united by a tool for obtaining these benefits - metal and paper money. Like it or not, but without money in modern society practically do not survive. Of course, there are options, but they are suitable only for people of a very peculiar type of character and lifestyle. But the layman should not only be able to earn money and not spend too much, but also, in general, master the art of managing finances. Only this will give him a stable position, freedom and the opportunity to receive almost everything that is required. And if, of course, you can earn money at work, then where and how to save it? Keeping money at home, in a bank, in native rubles, in foreign currency - which is better? We will talk about this further.

Money is Opportunity

With a sufficient amount, you can afford self-development programs and do what your soul lies in, not to mention the satisfaction of the needs that make up the basis of the pyramid of needs. Having achieved financial well-being, a person raises the standard of living, discovers something new, often such that he had not even thought about the existence before.

Looking around carefully, evaluating the behavior of familiar people - friends, relatives - you can see that most of our contemporaries do not know how to manage wisely what they get at work with such difficulty. Management of metal, paper money requires responsibility and strictness to yourself. Agree, losing a lot of money just because you don’t know how to save it is very disappointing, it undermines confidence in yourself and your future.

The current economic situation both in the country and in the world is extremely unstable, and this complicates the task of preserving and increasing capital. But even in such a situation, you can figure out where to store large amounts of money safely and profitably.

Banks to help diligent workers

Not a secret, financial structures characterized by different levels of reliability. Almost every day there is news about the revocation of licenses from another small bank. And yet there are organizations that have been operating for a long time. They are reliable, you can safely entrust them with your hard-earned money, without fear of anything. When choosing which bank to keep money in, pay attention to the compiled by reliable statistical, rating agencies lists of the best domestic financial institutions. As a rule, the first rows will belong to those banks in which the government acts as the holder of part of the shares.

If the organization is completely commercial, the state does not own shares, then cooperation becomes risky. In the event of bankruptcy, the company has nowhere to wait for help. At the same time, you should understand: reliable bank will not offer super-favorable terms of cooperation. Many middle-aged and older people remember the call from their youth: “Keep money in a savings bank!”. As in former times, today this option is not the most profitable, although it guarantees the preservation of funds. State banks do not complain about the lack of customers, and there is no need to draw too much attention to themselves. great deals, as they "take" reliability.

Banks: Caution Can't Hurt

One of the main rules on how to properly store money in a bank says: if a financial structure offers very favorable conditions that stand out from the market average, there is a catch somewhere. As a rule, such proposals come from commercial organizations with low sustainability ratings. Not having sufficient financial reserves to support their activities, they literally hysterically attract customers by promising mountains of gold. Of course, working with such a company is a big risk. Much more can be lost.

The most reliable, popular banks, part of the shares in which are owned by the state:

Sberbank.
Rosselkhozbank.
VTB.

Perhaps following the slogan “Keep your money in a savings bank!” today and will not give much benefit, but in cooperation with these structures it guarantees the preservation of money in the amount in which they were entrusted for storage (there are also small percentages, but in fact inflation eats them up).

Eggs and baskets

One of the main wisdoms of people who know how to handle money is "You can't keep all your eggs in one basket." Funds must be divided, assessing the riskiness various options. As economists say, the correct diversification of capital is the key to its preservation and increase over time.

cooperate with a bank where all deposits are insured;
keep no more than 1.4 million rubles on one deposit in one bank.

The point is that when liquidating financial organization the insurance agency can return 1.4 million. This balance is fireproof, but other money can be lost. Therefore, when deciding where to keep money, it is necessary to divide the available resources: put 1.4 million in one bank, in which all deposits are insured, and the rest - in another. For greater reliability, both banks should be from among the structures, part of the shares of which are owned by the state. This will minimize the risk of liquidation.

Beneficial or not?

What should be a wallet for money so that they do not “escape” from it? Safe, protected, supported. This is exactly what the bank becomes if you need to save a large amount. You can not be afraid of thieves, but with a good program and quite big contribution it is even possible to get a good amount from above in the form of interest (however, its value, taking into account inflation, is significantly reduced). Modern technologies allow you to track the status of the deposit at any time and have access to it via the Internet. It's comfortable. In fact, the money seems to be at home, but at the same time - in a safe place.

In any barrel of honey there is always a fly in the ointment. This rule does not bypass the situation with cooperation with banks. For example, if a person has little money at his disposal, then keeping it in a bank will not bring any real benefit. In fact, it will be like a money box - no inflation protection, no profit. Is that protection against theft, for which a person pays with limited opportunities to manage money. If the contract is terminated ahead of schedule, then the percentage reward will be extremely small money. And if the amount was small, and the contract was terminated ahead of time, then there is no profit at all.

Sending abroad

Having impressive funds and finding out where it is profitable to keep money, it is necessary to study the offers of foreign banking structures. The greatest confidence is traditionally instilled swiss banks, but this will bring real benefits only if the amount of a million rubles or more is disposed of.

Collaboration becomes profitable if the money is invested for a long time. Such "money boxes" provide 99.9% reliability and safety. Almost all Swiss banks offer high interest rate, which means that the return on investment will be high.

How it works?

Why at favorable conditions Are Swiss banks, unlike domestic ones, so reliable? They work according to a different system than our Russian ones. Financial structures receive their money not through loans, deposits, that is, their main line of work is not at all servicing the population. Financial structures specialize in investing, supporting enterprises, which guarantees reliability and profitability.

But in Russia, most of the banking structures are focused on interaction with individuals. Loans are the main source of resource. Increasing the percentage of non-repayment of the loan undermines the very "foundation" of the bank, leading it to bankruptcy. And here swiss bank, having received money from a private person, begins to manage them, directing income to the owner. Most Swiss banks operate with a commission that varies within 1%. Financial structures are independent of tax laws, the Swiss state system does not tax income. Summing up: the "money box" at a low cost is profitable and reliable.

Gold and platinum - an investment in the future

“Where to store money and how? Why not try precious metals? - if you have ever chosen a bank and a deposit, such questions must have come to mind. However, in practice, ordinary people rarely make a decision in favor of precious metals. But statistics show that this option, known for a long time, is effective and reliable to this day. The choice in favor of gold, platinum allows you to escape from inflation, the crisis. If over time you sell the metal at a higher cost than it was bought, you can “earn extra money” on this.

When choosing where to keep money, you need to remember that different metals provide different levels of profitability. In addition to the above, you can store money in palladium and silver. The nobility of these metals is due to the small number of deposits.

The practical side of the issue

In precious metals, you can save your money in one of the following ways:

buy coins, bars;
open a bank account in metal;
buy securities of a company operating in the field of gold mining.

Buying ingots, coins is easier through Sberbank. There is no doubt about the authenticity of the product. On sale there is gold bullion from a gram to a kilogram, silver - from 50 gr. up to a kilogram, platinum, palladium - from five to one hundred grams. The system is quite convenient, but it is important to remember the laws. In Russia, gold bars are classified as property, that is, transactions with them are subject to a 13% tax. You will have to pay this tax by selling the bullion back to the financial structure.

Buying coins

Many would like to know how to store money at home safely. Holding banknotes and coins, especially if the amount is large, is impractical, inconvenient and dangerous. In addition, such storage will not save them from inflation. It is quite another thing - coins made of precious metals. On sale there are not only investment, but also commemorative copies. All such moments are produced by the Bank of Russia in a limited edition. Some are produced in only a hundred pieces, others in the amount of several thousand.

Commemoratives are more valued by collectors, they are expensive, which is not only due to the price of the metal, but also to the numismatic component. Commemorative coins can be sold at a great profit, but this is an investment in the distant future - years, or even decades, will pass before the price rises. The older the product, the higher the price. It looks tempting, but there is a possibility that the sale of an expensive coin will drag on for an unpredictable period in years to come. If, for example, a crisis situation has developed in a country, in the world, purchasing power collectors will not be easy to find.

Coins and investments

Such "money boxes" do not attract collectors, and are used only as investment instruments. The most famous issue was in 1975, when coins containing more than 7 gr. gold. The coins "Sable", "George the Victorious" are attractive. You can buy them at Sberbank, some other large banks. The main advantage is the absence of VAT on transactions with coins, with the exception of sales. This procedure is subject to a 13 percent tax.

Where to store money in metal, what other possibilities are there? The possibility of opening a metal account looks quite profitable, and this is what most of the people who decide to entrust their hard-earned precious metals resort to. Understanding what has to offer banking structure, you need to find the OMS. The abbreviation stands for "impersonal metal account". Replenishment is available by transferring from another MHI account, depositing precious metals, purchasing additional volumes at the current exchange rate from the bank. Many MHIs have a "cherry on the cake" - interest. The value is small, from 0.1 to 4%, which seems (at first glance) a ridiculous amount. But it is worth remembering that inflation is not terrible for precious metals, and together with interest, this gives a good profit.

We buy housing

Where to keep money at home? Yes, in the house! Why not? It is real estate that is one of the most promising options for investing, storing, multiplying available cash. Real estate is not afraid of inflation and crises (if it has already been built), and over the years a square meter only becomes more expensive. By the way, if you buy an apartment in a house on the outskirts of the city (officially even outside the city limits) today, in 5-10 years you can find yourself the owner of excellent real estate in a good, ennobled urban residential area. This is especially true for Moscow and St. Petersburg, where they regularly announce the construction of new metro stations, and the borders are gradually moving apart.

IN crisis situation When financial structures do not inspire confidence, real estate becomes the best object for investing money. The more expensive the housing, the higher the payback. Earnings during a crisis are unlikely to please the wallet, but you can wait out the “bad” times without loss. Well, then you can sell housing - and get a good "profit" on this. Do not forget about the possibility of earning through real estate, which is in possession, because it (if desired) is transferred under the arena agreement.

Where to invest?

Which property promises the most cash flow? It is believed that the most promising option is commercial space, for which a tenant can then be found. But this option is not easy, you need to know the law and be able to find a client, negotiate with him. Without specialized skills, it is better to purchase residential square meters, and fill your wallet through them. If there is a lot of money, preference should be given to a large city, the capital, a resort that is in demand.

In the center big city The demand for housing is always high. All year round there are those who come to get acquainted with the city, to enter the university. Many of those who move in search of a better life are looking for work. It is worth counting on young families, companies of students. The rental price will depend not only on the number of square meters, but also the state of the dwelling, location relative to transport routes. When choosing a city, just look at the rankings of the best places to live in the country.

We exchange money for money

Finally, last but not least for this material, in principle a good way to save your hard earned money is to invest it in a foreign stable currency. However, this option is not suitable for everyone, because it is fraught with risk: the economy has been very unstable lately, currency fluctuations cannot always be predicted even by specialists with extensive experience. One thing is certain: in Last year the ruble began to steadily strengthen its position, that is, to grow, and the price of foreign currency decreases. The greatest benefit of placing funds in foreign currency can be achieved if you choose a period when domestic money falls in price. What currency should you keep your money in? Preference is given to stable options, whose rate from year to year maintains a positive trend.

A few years ago, the most promising option was the US dollar. Many people remember the crisis of 2015 and the collapse of the ruble, when the position of the dollar sharply strengthened. People who at that time had foreign currency won a lot. Analysts agreed that American money is the most promising type of commodity on foreign exchange market. But today the situation has changed, the ruble has strengthened, inflation has weakened, and opinions differ. Some are still convinced that nothing is better than the American dollar, while others advocate keeping their savings in rubles.

How else can you?

For those who are well versed in exchange rates and the economic situation on the market, regularly study the news and follow the development of major powers, there is an alternative option. You can exchange the finances at your disposal for the currency of Japan or China. At the same time, it should be remembered that the Japanese economy is built on the weakening of the yen, and this must be taken into account when investing money here.

China is one of the most rapidly developing powers on our planet. For many, the yuan seems to be the currency of the future, just like Chinese is the language of international communication. It is not yet known exactly whether these forecasts will come true, but with a careful attitude to the task, it is also possible to make money on the exchange rate of the yuan and the ruble, so this still exotic currency can be a good direction for investing hard-earned money.

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? Isn't it better to keep money in the bank? We will answer both questions and compare these methods.

Where to keep money in an apartment or house

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

4 interesting ways where it is better to keep money at home

Cactus. Try putting money in a hole cut inside a cactus planted in a pot. To do this, soak the soil and cut the core at the bottom of the plant. Place rolled up money or valuables inside and bury the plant back. For beauty and additional stability, you can decorate the cactus with stones.
Kids toys. Fold the cash compactly, make an inconspicuous cut in the toy, and add a few layers of cotton so that the money cannot be felt. You can hide a particularly large amount in several toys.
Door knob. Buy a new doorknob, put rolled up money inside, then screw it securely to the door. You won’t be able to hide much, but for small savings this is a good option.
tubular cornice. The probability of finding funds in the cornice is negligible. You can use the curtain tube in the bathroom or living room. You can easily remove the rings and hide the folded 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 safe places to keep money at home

Metal edge of the table top. You can choose a kitchen table as a hiding place. Using a screwdriver, remove the bezel. Drill make two holes in the end. With a file or jigsaw, remove the jumpers between the holes by sawing required depth cache. Put the edging back in place. Now you can easily get your money out with a screwdriver.
Floor stand. Pull out all the drawers and remove the back walls by shortening them with a hacksaw or jigsaw. If the drawers are equipped with external tin skids, shorten them 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 nightstand.
Sofa foam. Remove the cover from the sofa and pull out some foam rubber. Cut a hole in a part that is not visible at first glance, or make a gap with a blade by sticking your hand inside. Cut out a hiding place in the depth of the foam rubber. Ready! You can nail the upholstery back with a stapler.
Fridge. Try to hide the money in the magnetic tape of the refrigerator - the one that holds the door when it is opened. Peel back the rubber base, cut it discreetly with a blade, and pull out the magnet. Instead, insert banknotes.
Washing machine. Most models have a small free space next to the engine, to which water access is limited. Unscrew the back wall of the car and hide the money there. For safety, put cash in a bag.
Float cistern in the toilet. This is a small plastic element in which twisted bills can be placed. First turn off the water, unscrew the float, cut it in half, put the required amount into it and glue the seam with a lighter, glue or soldering iron. Option suitable for long-term storage"stash" ( if money is needed urgently, it will not be easy to get it).

Where else can you hide money in your apartment

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

Cash can be hidden in the socket. Most likely, a thief who illegally entered your apartment will not want to endanger himself. To hide money in the outlet, first turn off the electricity. Then remove the protective cover from the socket. Find a small hole right 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 socket idea but don't want to risk the current, you can easily make a fake socket. To do this, make a small plywood box, put all your 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 where to store money according to feng shui. Masters recommend putting finances in red envelopes or bags and hiding them in the southeastern part of the apartment. It would not be superfluous to put a figurine of a frog next to it, a symbol of financial well-being. When these simple rules are followed, luck will accompany the owner everywhere, constantly increasing his wealth, but these methods are suitable only for those who do not worry about breaking and stealing.

Video: spy places where you can hide money at home

Where not to keep money

There are places where you cannot store 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, one in thirty-first reported crimes 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 First of all, thieves look at these places:

wardrobes, bedside tables, boxes– the most risky places for savings;
vases, figurines, paintings- places that are sure to be checked in case of theft;
books- unless you have an impressive library, be sure that the thief will definitely flip through several books in search of profit;
place under the mattress- the most banal option;
ventilation holes – a good option only for action films, in reality this cache is likely to be inspected by a thief;
cereal jars- one of the most popular, and therefore risky places to store money.

Where to keep money so that they multiply

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

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

If you do not know where it is safe to keep money so that they multiply, open a bank account. This will protect your savings from inflation. By accruing interest, you will receive additional income: your money works, not lies under the pillow. If the bank is robbed, you will not lose your savings thanks to the deposit insurance system.

Despite all positive sides 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 new phone, it makes no sense to open a deposit in a bank, and if you are saving for a child’s education, you should seriously think about this option of storing 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 money? If you want to be safe, you can create one of the most profitable deposits at Sberbank. The bank offers rates of no more than 8% per annum, but it is able to save 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 salary card. It must be remembered that in case of loss or loss of the card, the procedure for its restoration may take several weeks - it is important to take this into account when planning your expenses.
safe deposit box. Quite a popular service in modern times. On necessary 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 very high 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 a time as close as possible to the date of the planned purchase). Do not forget to regularly replenish the deposit, otherwise it will turn out that it was not possible 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 stored in the bank, and you have free access to them. Interest is charged on deposits, which slightly offsets inflation. Suitable for storing the amount of " for the first time”, which will save you in case you lose your regular source of income.
Foreign currency deposits. It's about 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 most likely never happen, but it doesn't hurt to be extra careful.

We invest and grow

Many people are interested in where to keep money so that they multiply. There are several reliable options that can bring you additional benefits some time after the investment is made.

In a difficult time of crisis, a wonderful way to make money can be. The main disadvantages of this method are before purchasing valuable papers a lot of analytical work needs to be done. 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 on the purchase of certain shares, you need to have a lot of money and a lot of patience. However, sometimes this patience is well rewarded.

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

They can also become a profitable tool.

A bond is a debt security on 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 (failure to monetary obligations, financial failure).

Real estate. A long-term project that requires large investments, but pays well and brings good benefits. Invest in economy-class housing built in popular areas, invest in half-built housing, and carefully study the developer company ( developer).

Whatever storage method Money you have not chosen, you will have to face the 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 pretend to be employees of special services into the apartment. Pay attention to their clothes, be sure to check the identity, and if suspicions do not disappear, call the service from which you came and ask if the person who came to you is on staff.
If you have a lot of money, use not one, but several caches.
Carefully choose the instrument with which you will store money - it must be reliable and have a low degree of risk.
If you are faced with the question, what part of the savings to use if you have several? Financial analyst Pavel Medvedev recommends spending the most expensive on this moment currency. For example, if the euro is expensive now, it is better to spend it on a purchase, hoping that another currency will cost more 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 the bank. Spending a little time on creating a reliable 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.

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Hello! In today's article, we'll talk about the best currency to keep your savings in.

Today you will learn:

About what exist;
About the most beneficial ways storage;
Advantages and disadvantages of each storage method.

The unstable exchange rate of our national currency makes many citizens who have savings think about how to save and protect them. A variety of storage options are being considered, and today we will try to talk about most of them and provide expert recommendations.

Exchange Rate Trends in 2018

What currency to choose for holding funds

You can choose the currency, especially if you have something to store in it. If certain amount you have money, then the choice of currency must be approached with all responsibility. This method of storage, although conservative, is one of the most reliable.

Holding funds in dollars

Dollar - the currency in which most of the inhabitants of all countries of the world keep their funds. Many experts admit that so far there is simply no alternative to the dollar. That is why, when choosing a currency for storing funds, many citizens are inclined in favor of the dollar equivalent. The dollar dominates the world economy, although it also depends on the situation in some countries, in particular the United States.

Holding funds in euros

Now let's talk about the euro. In general, although this currency is stable, it still causes a number of concerns. The state of Europe itself at the moment cannot be called stable, and this, in turn, affects the currency. The economic situation in the EU countries greatly affects the euro quotes. If a serious financial crisis, nothing good for the euro it will not turn out. In addition, the flow of migrants threatens the very existence of the EU as a whole.

Keeping funds in rubles

The Russian currency is indeed very tied to the level of prices for "black gold". If oil rises in price, the ruble strengthens its position; if it falls in price, the situation becomes diametrically opposite.

Holding funds in exotic currencies

For those who love non-standard solutions, many Russian banks offer to keep money in yuan or Swiss francs.

Chinese National currency very attractive to investors. The Chinese economy is growing at a truly gigantic pace, the country holds a serious position in the global economy and is not going to leave them. In this regard, the demand for the yuan is increasing, which means that it is strengthening.

In Russian banks, you can open a deposit in this currency, but the rate will be lower than that of the dollar and the euro.

In our country, you can also find about two dozen banks that can open deposits in Swiss francs. The rate will be about 6 - 6.5% per annum. There is clearly a benefit in this, such a percentage cannot always be obtained on deposits in rubles. Since 2008 against our national currency Swiss frank strengthened by 54%.

Despite external benefits, this option cannot be called ideal. If dollars and euros are currencies to some extent understandable, they can be bought and sold, exchanged, and deposits opened in them, then there are more problems with yen and yuan. The main disadvantage of these currencies is that they are not so popular (when compared with the euro and the dollar).

You can buy and sell dollars and euros favorable exchange rate, and with exotic currencies the situation is not so transparent.

Multicurrency basket: pros and cons

More and more people who want to keep their funds in foreign currency understand that "you can't put all your eggs in one basket." AND big banks Russia offers its customers multi-currency deposits. The deposit is formed in several currencies, in different shares at the request of the client. The most popular composition of the deposit is dollar + euro + ruble. Let's talk about the pros and cons of such deposits in more detail.

pros

Without closing the deposit, you can transfer funds from one currency to another;
When transferring funds,% are saved;
Gives you the opportunity to earn on fluctuations in exchange rates;
The rate inside the deposit is more profitable than the standard exchange rate.

Minuses

The interest rate is lower than a number of conventional deposits;
To make money on fluctuations in rates, you need to be well versed in the principles of the functioning of the foreign exchange market.

Summarizing all that has been said, we note that a multicurrency deposit is not a bad thing. bank instrument. With it, you can earn income, or you can lose all your savings. That is, it requires at least a competent approach to itself. Some experts believe that it is better to open 3 different deposits (each in its own currency).

Alternative ways to store savings

Investing in precious metals. Those who make a choice in favor of this option need to decide whether to buy metal in physical form or purchase. At the same time, no one guarantees a permanent stable growth in the price of precious metals.

Investing in stocks, bonds. These do cover the growth of inflation, but are quite risky. Requires a certain level financial literacy to in a similar way.

Keeping money at home. Plus - funds are always available, nearby. Cons - the risk that you will simply be robbed.

Buying a property. By the way, about 20% of the working population is considered the most profitable (based on surveys).

Bank deposit. More than a third of our fellow citizens prefer to do . Confidence potential clients increased with the introduction of the system state insurance deposits.

Do not rely on one currency, keep money in several;
Don't waste money on items that are unlikely to be needed;
Keep funds that you will constantly use in rubles;
If you travel a lot, keep most of the funds in the currency that you will use in the host country;
To transfer from one currency to another, use the Internet bank. At the same time, take into account the size of the commission that is taken for the transfer of funds.

Conclusion

Summing up, I would like to say that each person decides for himself where and how to store his funds. A lot of them, or a little - is actually secondary. It is important to reduce possible risks, save your funds from inflation and depreciation, get some income.

Russians are better off trusting the ruble. They must carry their modest savings to banks and make deposits in the national currency. This opinion is shared by the President of Sberbank German Gref. Lenta.ru talked to experts and analysts and received some advice on saving savings. There was no place for the ruble in the recommendations of specialists.

Ruble under the pillow

Non-professional investors (that is, the majority of the Russian population) should not play with currencies and seek their fortune in euros or pounds sterling. The best way keep small savings - leave them in rubles. About this Gref on July 6 in the course of communication with users of social networks.

He also warned Russians against keeping money "under the pillow", as even small amounts must be in motion. Most reliable tool in this case - bank deposits, Gref believes: “Savings in the amount of 100 thousand rubles should be kept in rubles. The ruble still tends to strengthen.

Really, Russian currency V recent months strengthened 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 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, excluding the ruble, or scatter at least part of the money among other currencies, precious metals and even securities.

Personal investment program will vary depending on the amount of money available.

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 - just the larger they are, the wider the possibilities for choosing different financial products).

First, about games with currency. 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 spend. You can buy currency for holidays throughout the year. Otherwise, it may turn out that you were about to leave, and it was at this moment that the ruble weakened greatly, ”recommends Bogdan Zvarich, an analyst at the Finam group of companies. In general, he believes that it is better to break down 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 the mark of 60 rubles.

“The simplest and safest strategy is diversification. A third of the funds should be kept in rubles, a third - in dollars and a third - in euros. Changes in the exchange rate of one currency will be offset by fluctuations in the exchange rates of others. You will not earn much on revaluation, but you will not lose on exchange rate difference”, - comments a product analyst investment company Exante Daria Kirilochkina. She herself prefers dollars - historically, they look like a more attractive asset than rubles. There are also advantages over the euro - one nation united by common interests stands behind the dollar, while internal conflicts are constantly going on in the EU, reminds Daria Kirilochkina: “If necessary, the Americans will always quickly come to an agreement within the country. Recall, for example, the story of raising the debt ceiling. The European Union will argue and swear for a long time, and the euro is weakening against this background. Brexit is great example realization of such risks.

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

Now about contributions. As you know, it is almost impossible to earn something on them, they are created to protect savings from inflation. To date, 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 above this level.

A famous actor from a famous movie recommended that citizens keep in a savings bank, if they have one. But if at the time of the release of this film, people had money that was enough not only for current expenses, but also to put them in a savings bank, now it is more difficult to save money, and even more difficult to decide: where and how best to store savings. We will try to answer this question with the help of the advice of financial experts.

The content of the article:

Where to store savings

You have accumulated or decided to accumulate money and are thinking what is the best way to store the accumulated? - This is a very interesting question, since not only the preservation of savings, but also the possibility of increasing them depends on it. If you have “extra” money, then it is better to invest it in something or spend it on the necessary goods, since the accumulation of money is always, albeit small, but a risk.

First you need to determine how much you plan to accumulate, the frequency and size of replenishment, as well as the purpose of accumulation. If you are saving for long term and do not plan to withdraw your accumulated money soon, then experts recommend keeping money in gold. Gold is a “currency” that is not afraid of fluctuations in exchange rates, and besides, it is the storage of funds in gold that will help you not only not to lose what you have accumulated, but also to increase it somewhat. But this is all provided that you plan to save this money for the long term. If you have the purpose of any purchase for these savings, and you will save for several years, then gold is not your option.

If you live in abundance, you have an amount of money for a "rainy day" and for any emergency unplanned expenses, then it is best to invest your savings in something, so they will not only accumulate, but also make a profit. It could be like opening deposit account in a bank, and investing in something: investing in your own business or in someone else's, buying shares or securities, etc. Another option is the purchase of real estate, which can later be sold or rented out and receive a monthly profit.

And, of course, the most common way to store your savings is money. The advantage of keeping savings in cash is that you can spend them at any time, without the need to cash out.

What currency to keep money in

What is the best currency to keep money in? It is very difficult to say specifically what to store money in, since the political and financial situation in the world is so unstable that if you name one currency today, it may start having problems tomorrow. Of course, you need to choose the currency in which to keep money from world or national.

Before deciding which currency to keep money in, you need to look at: the dynamics of the exchange rate of a certain currency, world news and news of the country to which the currency belongs. If everything is stable in the country, exchange rate fluctuations are insignificant, and there is even a trend of increasing the value of the currency, then choose it.

Rubles, dollars, euros?

Most often, Russians choose one of the following currencies to store their savings: rubles, dollars or euros. Let's look at each of these currencies and look for even more profitable options.

Rubles

As a currency for storing savings, rubles are a pretty good option, especially if you receive income in rubles, since you will not incur expenses in the form of interest on foreign exchange. The situation in the country is stable, and oil and gas reserves will last for a long time ...

America is a superpower, and its currency, the dollar, is the currency on which all world economy. Despite economic problems in the United States and a colossal national debt, the dollar does not lose its positions, although it is a "soap bubble". It is best to keep savings in dollars for a short time, and then navigate according to the situation. Savings for the long term to invest in dollars is somewhat dangerous, but still possible.

Euro

Euro is the currency of the European Union, the most unreliable currency for keeping your savings. First of all, the unreliability of the currency lies in the poor economic situation of some EU member states. Surely you have heard about the complex economic situation in Greece, which has long been in a state of bankruptcy. There was a large number of assumptions, and even European politicians expressed an opinion about the exclusion of Greece from the European zone, but they do not let go and keep it through loans. If Greece nevertheless leaves the EU zone (whether on its own or by exclusion), then this can cause a chain reaction and threaten the existence of the entire eurozone. Italy and Spain are not far from Greece. The second reason why you should not keep savings in euros is conflicts within the EU itself, between member countries. Based on this, we do not recommend that you keep your savings in euros.

Yuan is the currency of China, where everything is now concentrated world production. China is indeed a grandiose country, which produces the vast majority of goods supplied to almost all countries of the world, and it is on China that the world economy is de facto tied. A large number of companies have invested and will invest in assembly shops in China. In addition, the United States itself has debts to China. Based on this, the yuan is a very good currency to store your savings.

What is the best currency to keep money in?

Experts advise keeping your savings in several currencies, for example, in rubles and dollars, or in rubles and yuan. Due to the fact that savings will not be concentrated in one currency, you will not be afraid of fluctuations in the exchange rate.

Many people think about whether to store money in digital currency or not. For our part, we do not recommend doing this, because if you do not have direct income in digital currency, then you will lose a large percentage savings on their input and output.

Where is the best place to keep money?

Once you have decided where to keep your savings, you need to decide where it is more profitable to store money. Today, three options are most often used to store money: an apartment, a bank, and a safe deposit box.

An apartment is the easiest way to store money, because you know that the money is at your fingertips and therefore many people are so calm. But this is the most unsafe way, because if intruders get into your apartment, then there is a high probability that they will be able to find and steal savings if you do not have special means to store them safely.

In a bank, your money savings will be safe, and at the same time you will be able to increase your savings, but there is still a small chance that something can happen to the bank where you keep your savings.

A safe deposit box is a cross between keeping savings in an apartment and in a bank. You pay the bank to rent a cell and keep your money in it. The only downside is the payment for the rent of the cell, the likelihood that something will happen to the bank's vault is very low.

Where and how to keep money at home

Options for storing money: under the mattress, behind the picture, in the sideboard, in the box, etc. - the most wrong option. It is best to keep money at home in a very secret place or in a safe that cannot be moved or opened. The cost of the safe is not so high, but you will secure your savings, and besides, you can store valuables and documents in the safe. Special attention pay attention to the location of the safe and its locks.

Where to store money according to Feng Shui

But, for example, Feng Shui recommends saving money not just like that, but for certain and specific purposes: the purchase household appliances, furniture, renovation, apartment, car, vacation, etc. Also, Feng Shui advises to keep money not under the mattress, not in the closet and in other places loved by people, but in special red envelopes. In general, it has long been recommended to keep money in red boxes, but in view of their inconvenience, red envelopes are a more practical option.

These envelopes may contain their own hieroglyph, which will help in matters of accumulating funds. For example, if you are saving money to pay off debts (a loan or a mortgage), then it is best to use an envelope with the hieroglyph for “fairness” for this. If you are saving money for a specific purpose, then for this it is best to put the “wealth” symbol on the envelope. If you decide to save money for certain expenses, such as a trip to the sea, then an envelope with the “prosperity” symbol is suitable for this.

Feng Shui also recommends keeping money in a certain sector - in the southeast or east. As for the place of storage, the Feng Shui philosophy recommends choosing either a safe or a drawer or cabinets that are lockable.