course, the unfavorable situation in the Russian economy has a negative impact on the quality of life of the citizens, which today are in complete loss as to how to save money.Against the backdrop of the instability of the national currency, the price of oil, reducing the volume of investment in the country, the issue of paramount importance.And it is not surprising that many are thinking about how to save money in these difficult conditions.
The situation is also complicated by instability in the banking sector.As a result, citizens have no certainty that, through tools such as cell banking or deposit, you can save your own savings.And keep them at home "under the mattress" - also not the best option.
reasons for the deterioration of the economy
Before turning to the question of how to save money, it will be better to decide on the question of why the Russian economy is experiencing is not the best of times.The reasons for this include the following:
- hostile policy of the Western countries.Economic sanctions leading Western powers, reducing the number of foreign investors, corruption component - all serious blow to our financial markets.
- dependence of the Russian economy on oil prices.Unfortunately, Russia's economy is dependent on commodity trade.Falling cost of a barrel of oil automatically reduces the ruble exchange rate, resulting in the domestic central bank raises interest rates.
Taking into account the above, really difficult to predict where it will be profitable to invest capital, not to mention how to save money.
expert opinion
However, some economic observers convinced that the country in the near future expect a decrease in income of the population and the decline in lending in the banking sector.In the second half of the year economic conditions improve somewhat due to new investments and projects.
Virtually all experts are inclined to believe that the Russian economy along with other factors will determine the political and "component": imposing his opinion Western European countries attempt to implement territorial claims.
blow to the banking sector
Another major weapon which can be aimed at the destruction of Russia's economy, the country is off on the international system SWIFT.If this happens, the ability to manage Western investments and equity placed with foreign banking institutions will be reduced to zero.
Ways to save their own savings
So, how to save money during the crisis?For some, the latter is a severe threat, and for someone - opportunity.That is why today you should not choose a wait and watch when the economic situation in our country is flat.On the contrary, it is necessary to show all kinds of activity and action.
Investment Property
not know what to buy to save money?Profitable investment is and will remain the purchase of land, residential and commercial real estate - is a "stable currency".However, we should not forget that the apartments and offices from time to time become cheaper, so you should buy them in developing cities, where their value in the coming decades will be reliable.
considering the question of what to buy, to save money, it should be noted: becoming the owner of a luxury apartment, do not expect that you will return in a few months spent investments - it will take more than a decade.If you are not willing to wait that long, then you should opt for other embodiments capital increase.
currency investments
not have any idea on how to save money during the crisis?The best way - is to convert some of the "hard-earned" in foreign currency (euro, US dollar, Swiss franc).Against the backdrop of the instability of the ruble this measure will be highly beneficial.But in any case, part of their income should be stored in the national currency, as it is very difficult to predict what will be her jumps at one time or another.
Bank deposits
If you are seriously concerned about the question of how to save money from inflation, the most common answer will be: using the bank deposit.However, you must not forget that the use of this tool is beneficial only if the deposited funds meant for the long term, the financial loss could exceed this percentage.Before you entrust your capital, carefully check the reliability of a particular banking institution.From the whole range of bank deposits, select the conditions that allow you to make contributions in full or in part without loss of interest.The right to keep their savings in more than one bank structure, and a few (keep in mind that the size of the contribution shall not exceed the sum of 650 000 rubles - insurers provide a guarantee for return of deposit to 700 000 rubles).
Precious metals
Some solve the problem of how to save money in Russia, traditional and proven way - they get on their precious metals.However, some experts believe that it is not only a standard, but also a risky way to save cash.They explain their position by the fact that silver and bronze are exchange-traded products, thus their price can fluctuate severely.A huge number of Russians prefer to keep their capital in gold, as the precious metal never depreciates, only more expensive.In addition, gold has such a quality as durability, which means that after 100 years, you can sell it for profit.
Investments in mutual funds
Want to learn how to preserve and increase the money?Put them in one of the reliable property complexes, which will coordinate the activities of the management company.This type of investing is something in between the activities of the stock market and bank deposits.
most promising in terms of benefits is considered to be investing in bond funds and stocks.However, be prepared for the fact that here it is necessary to know how to take risks.
Shares
If you are seriously worried about how to save money by default, it is best to invest in their shares.These securities have good liquidity, and if you know how to handle them properly, you can significantly improve your own financial situation.Again, we should not think that buy and sell stocks - it is an easy task that will bring a fabulous sum.We need to be constantly up to date: every day to analyze the news in a timely manner to become a participant of trading and be able to competently play the exchange difference.In any case, you will find the following: either you become a millionaire, or you will go broke.
General recommendations
If you do not want to lose their savings, authoritative experts recommend that adhere to certain rules of conduct.
First, create for themselves a reserve fund to be replenished on a monthly basis in the amount of 10% of your earnings.If you suddenly come "dark days" of the economy, the deferred money to help tide you over "afloat" for some time.If you are a business owner, you must also create a reserve fund, which will receive money for unforeseen expenses.
Second, learn to save.In recent years, the level of consumption in the society has grown to enormous proportions when purchased as a necessary and unnecessary things.The economic crisis reduces the purchasing power and the consumer starts to spend money wisely.
Third, regularly analyzes the cost of your family.Think of what the costs may be waived.
