Economist Mikhail Belyaev told Russians about the most profitable ways to save money.
In his opinion, bank deposits remain the best option.
Firstly, deposits offer high interest rates. Secondly, amounts up to 1.4 million rubles are insured. This is reported by Lenta.ru
Even if the bank's license is revoked, this money can be returned.
In case of a larger amount, Belyaev advises distributing the funds across several banks.
According to the economist, currency is not a good tool for savings.
Ruble deposits are advantageous because the ruble is gradually declining against the dollar and the euro.
The economist also suggests investing in gold. This metal will only bring profit in the long term.
Belyaev mentioned government securities, which offer income at the level of bank deposits.
However, their effective use requires knowledge and calculations.
The economist also reminded that funded pensions are beneficial for people who have at least 10 years left until they reach their retirement age.
In this case, women can use their savings from the age of 55, men from 60.
