rubles
pros
1. If you get paid in rubles and spend the savings will be in them as, storage savings in the national currency will save you from losses of the exchange.
2. In ruble bank deposits higherThe weighted average interest rate on foreign attracted by credit organizations deposits (deposits) of individuals and non-financial organizations in rubles percentage than that of foreign currency deposits. Despite the fact that the yield deposits in euro and dollar recently roseChasing the dollar: why in Russia have raised rates on foreign currency deposits, The Russian national currency is still outperforms overseas in this matter.
Minuses
1. The ruble is stable. For example, as changed over the last 10 years of his course against the dollar.
2. The inflation rate remains high in Russia. In December 2017, the average rate of annual deposits for natural persons amounted to 5.38%The weighted average interest rate on foreign attracted by credit organizations deposits (deposits) of individuals and non-financial organizations in rublesAnd annual inflation - 2.5%Inflation in the consumer marketIe Rublev investor could even slightly win on deposit. But in December of 2015 the rate was 10.04%The weighted average interest rate on foreign attracted by credit organizations deposits (deposits) of individuals and non-financial organizations in rublesAnd the annual inflation rate - 12.9%Inflation in the consumer marketAnd investors not only multiplied, but even lost some savings.
dollars
pros
1. This is one of the most hard currencies in the world, used in most transactions, and the main reserve currency for a number of central banks, which speaks in favor of the stability of the dollar.
2. Dollar slightly prone to inflation, and its value does not depend on short-term trends.
Minuses
1. Losing money in the exchange of rubles into dollars and then back.
2. Procrastination, if you want to transform savings into rubles and buy them something. Under the law, just go to the bank and currency exchange can be for an amount not more than 40Federal law from 7.3.2016 number 263-FZ "On Amendments to Articles 7 and 7-3 of the Federal Law" On (laundering) proceeds laundering and financing terrorism " thousand rubles. From 40 to 100 thousand rubles will have to change with passportAnd for the exchange of a larger amount is already necessary to fill out a form, specify the passport data, SNILS, VAT and do not arouse the suspicion of security.
3. This is the most counterfeited currency in the world, so there is a risk that part of the savings, if you keep the dollar under the pillow, would pile of papers.
4. There is a possibility of restrictions by the state to use, and currency exchange.
5. Fairly low interest on deposits - 1.54%The weighted average interest rate on foreign attracted by credit organizations deposits (deposits) of individuals and non-financial organizations in rubles annual contributions for 12 months (as of May).
Euro
pros
1. Euro is stable enough, the desire despite reports of some countries to withdraw from the European Union and other disturbances.
2. Theoretically, the value of the euro does not depend on the state of a country's economy. In practice, the situation is somewhat more complicated, since the stagnation of production in the large states that are members of the European Union, certainly affect the stability of the currency. And yet the euro has still looks stable.
Minuses
1. Talk of exit from the European Union in the different countries is reflected in the stability of the currency.
2. In spite of the common currency, there is no common financial and tax regulation in the euro area.
3. When exchanging, you can lose some money, and then the same laws by which the amount of 100 thousand rubles will have to change the set of documents.
4. In the euro minimum in the triad "the ruble - dollar - euro" deposit rate - 0.31%The weighted average interest rate on foreign attracted by credit organizations deposits (deposits) of individuals and non-financial organizations in rubles annual contributions for 12 months (as of May).
exotic currency
pros
Someone who will understand in question and choose the currency of the country with a stable economy that is independent from the influence of other countries will be able to safely preserve their savings.
Minuses
1. If dollars and euros can be exchanged in almost any bank, then for exotic currencies have to run.
2. It is difficult to find a place for storage: either have to put the currency under the mattress, or attend to the search of the bank abroad, as a deposit in Russia is extremely difficult to open.
3. People far away from the financial sector, it is necessary to conduct a full investigation of currencies. So, the Chinese yuan looks promising: the country's economy is growing, the currency's value is virtually independent of the economic impact of other countries. On the other hand, the yuan growth is constrained by the state, which is not interested in strengthening the currency and the subsequent rise in price of labor. The experience of other countries shows that the artificial restraint of growth often ends with the depreciation of money.
In what currency to keep their savings
Despite the fact that the dollar and the euro enough minuses to consider should not the quantity but the quality of the arguments, as stability is very important.
Keep money better in different currencies - dollars, euros and rubles - says CEO of a financial aggregator "Sravni.ru" Sergei Leonidov. This helps to minimize the risks, but rather acts as a method of saving funds in case of shock events, rather than investment.
It is clear that foreign currency deposits with the devaluation of 2014-2015, the big winners in comparison with ruble-denominated deposits. But if we take a longer period, the mean change in rates of major currencies stable against the ruble loses inflation in Russia (except for the last two years).
Sergei Leonidov, CEO of financial aggregator "Sravni.ru"
According to experts, in the long-term calculation of inflation "eats" not only ruble, but also foreign exchange accumulation. Therefore, apart from the passive storage of currency, a good use of other tools investment.
Founder of holding "Kotov Group" Roman Kotov also advised to diversify its currency portfolio, but preference is given to dollars - to keep 50% of savings in them.
The dollar is considered sufficiently strong and stable currency, not subject to abrupt changes in course. The second most popular is still the euro. But due to the unstable situation in the EU economy, experts advise not to store a significant portion of their savings in this currency.
Roman Kotov, founder holding "Kotov Group"
But to buy exotic currencies Kotov is not advised, especially for beginners: too high a risk of a bad bargain.
The company's founder and head of "Russian America" Yuri Mosha also advises to pay attention to the dollar as the currency in the near future will remain reliable for deposits. In his opinion, we should not reject the money and other countries, but it should be done wisely.
I would advise to pay attention to the British pound sterling and the Swiss franc. Of course, a little scary Brexit and the uncertainty that is associated with it. However, there is every reason to believe that in the event of a total shopping area British currency will only be strengthened. As for the Franks, here and at all can be no doubt. This is one of the strongest and most reliable currency.
Yuri Mosha, founder and head of "Russian America"
What currency do you keep the savings?
see also
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