... instruments in the ruble zone and abroad available to Russian investors with holding periods of up to three years. We will compare their yields, risks, liquidity, and taxation features, and provide examples of diversified portfolios totaling 1 million ₽. Bank Deposits and Accounts Yield. Ruble deposits remain one of the conservative instruments: major banks offer rates around 16–24% per annum (depending on the term). According to the Bank of Russia, the weighted average rates for deposits of 6–12 months ...

... The unstable economic situation, the depreciation of the national currency, and rising prices for various goods inevitably lead individuals to consider ways to preserve and increase their personal savings. The first thought that comes to mind is a bank deposit. However, the closure of banks and issues regarding the return of funds raise doubts about the profitability of such investments. But is the situation really that grim? Where is it best to store money? To shed light on these questions, we turn ...

... players. 2. Increase in Deposit Interest Rates In the current economic climate, VTB, Sovcombank, Gazprombank, and other banks in Russia have sharply raised their deposit rates. For instance, VTB has offered clients returns of up to 24% per annum on deposits, a response to the Central Bank's key rate. Such high returns not only attract depositors but also force banks to increase their liabilities to clients, placing additional pressure on their profitability. Economists note that while the temporary increase in deposit yield is appealing ...

... founder of RESURS. This entrepreneur has extensive experience in the field and has repeatedly utilized banking services himself. You can read more about the businessman on the website: www.org-market.ru . Characteristics of Deposit Rate Formation A bank deposit is difficult to view as an investment aimed at capital growth. Rather, it serves as a means to protect savings from inflationary processes. It is unlikely that one can amass a fortune this way, especially when placing deposits in the national ...

... which options will help protect your capital and how to choose a strategy that suits you. How to Protect Your Investments: What to Do When Facing the Threat of Deposit Freezes and Where to Invest for Safety and Growth Rumors of a potential freeze on bank deposits are beginning to cause concern among depositors in Russia. The unstable economic situation is prompting many to seek alternative methods for storing and growing their capital. In this article, we will explore how to protect your savings and what ...