Senior Lecturer at the Department of Economics and Finance of Perm Polytechnic University Yulia Starodova told Gazeta.ru why the demand for cash increases and what is the best way to store the money in 2025.
According to him, the current increase in the demand for cash and euros is explained by the seasonal factor. In the summer, the number of foreign trips is traditionally increasing, and the need for foreign currency. Additional stimulus for Russian cards abroad Restrictions. It is easier for tourists to take cash than to search for non-cash payment methods. However, the expert calls banknotes at home calls a temporary solution that does not create income and is related to certain risks.
For long-term savings, Starodova advises to distribute funds between different tools. Currency savings help to mitigate the potential decline in the ruble, the bonds provide fixed income at a moderate risk, and individual investment accounts allow you to invest in securities. He calls precious metals during the "safe haven" crisis, and real estate, according to him, maintains its value in the long run and can provide stable lease income.
The state also offers its own savings mechanisms, for example, through non-state pension funds, but according to the expert, almost 80% of the Russians are not interested in them. The reasons are distrustful, the fear of losing money and understanding the unfurps of complex financial schemes.
"Today, the main task is not only to create reliable products, but also explain them in plain language. Before that does not happen, people will continue to keep money as accustomed, in the form of a deposit or cash, "Starodova concluded.
Translation of: Euromedia24.com
