What currency is it better for an ordinary person to keep money in? The economic crisis has changed a lot in the outlook of citizens, sharp "jumps" in the ruble exchange rate have led to tremendous losses in savings.
Like a few years ago, the ruble is considered an unreliable currency for deposits. Financial organizations are doing everything possible to attract depositors - a year ago it was possible to make a profitable contribution at 18% per annum.
But there was no particular influx of people interested in banks, therefore, as of July 2016, according to analysts, the average rate is 9.23% per annum.
Of course, this does not offset inflation. If ruble deposits are completely unprofitable, then what is the best way to keep money?
Back in the 7th century BC, thanks to King Croesus, gold coins came into use. Since then, little has changed. Gold is one of the most liquid assets and is a symbol of financial health. Anyone can purchase an ingot of a certain weight from a financial institution. The ingot can then be stored either at home or in a bank. If the buyer takes the gold home, he will have to conduct an examination to sell the bar. If the precious metal is stored in the bank, then at any time you can pick it up or receive payment in money, in an equivalent equal to the cost of gold.
As of July 7, 2016, the cost of a gram of gold on the official website of Sberbank is 2,932 rubles. If you have a sufficient amount, then it is better not to understand what currency to keep the money in, but simply invest it in buying gold. The precious metal will not drop in value in the coming centuries. Platinum and palladium will not fall in price. These metals can be purchased from a financial institution for 2330 and 1350 rubles, respectively.
Foreign currency deposits are, of course, more attractive than ruble deposits. It is better not to mess with the national currency in the near future. The escalation of the conflict in Ukraine and Syria, numerous sanctions and restrictions lead to the fact that keeping money in rubles, although patriotic, is completely pointless.
Experts recommend opening foreign currency deposits only on a short-term basis (maximum - 1 year). In which currency is it better to keep money - in dollars or euros? It is almost impossible to answer unequivocally. The US economy is becoming more and more like a soap bubble that is ready to burst at any time. But America manages to secure the national currency and maintain the dollars authoritarianism around the world.
Short-term deposits are considered less risky, although the rate on them barely exceeds 3% of the amount. For example, Sberbank offers a maximum rate of 1.67% per annum on a dollar deposit. Moreover, this rate will be set only in case of a deposit of 100 thousand dollars or more. For deposits less than $ 500, the bank offers only 1.1% per annum.
So what is the best way to keep money? The euro is an international and fairly stable currency, but it is still very unpredictable. Experts promise a rise in the exchange rate, but constant news about the unstable economic situation in the EU countries, especially after the referendum held in Britain, does not allow us to confidently set positive forecasts. Sberbank on deposits in euros offers a maximum of 0.4% per annum (this is for a deposit of 2 years or more than $ 100 thousand). Investing money for such a long period is too risky.
The stable development of the Chinese economy and the countrys entry into the international market in dozens of directions, the conclusion of lucrative contracts with a number of countries and a confident financial position make the yuan one of the most reliable currencies. The rate on deposits reaches an average of 2.5% per annum. It is even impossible to imagine a default in China in the next 15 years. The American government has multibillion-dollar debts to the Land of the Rising Sun - this is another reason to transfer dollar deposits to yuan.
In what currency to keep money, except yuan? Also, Swiss francs are in the lead in terms of stability. The currency is absolutely risk-free, the rate reaches 6% per annum in some banks. The only catch is finding a financial institution that has the ability to multi-currency.
Bitcoins are a cryptocurrency that, until recently, was not in wide demand only because of peoples distrust of electronic money. But in practice, cryptocurrency has many advantages:
User privacy - you can store savings and carry out transactions bypassing official banking procedures.
Lack of a single control center. The currency does not belong to any country, which means that it is not afraid of economic crises.
The value of the cryptocurrency is growing every day.
When wondering what currency to keep your money in, seriously consider buying Bitcoin options. Today, the cost of 1 Bitcoin reaches $ 700, and even at the beginning of the year it was only $ 450-500.
Cryptocurrency is mined by solving complex mathematical problems with special equipment or a home computer. The reward for solving one block is 25 Bitcoins. But already this summer, the number of premium coins will be halved, to 12.5 bitcoins. The same principle applies here as in the case of the extraction of precious metals: the less stones / metals and the more difficult it is to mine, the higher their cost. It is easy to decide what is the best way to keep your money if, according to experts, by the end of 2016, the cost of 1 Bitcoin will increase to $ 1,000 and will grow every year.
Cryptocurrency has been successfully operating for more than 7 years (since 2009), it is rather foolish to think that it is not worthy of trust. In Russia, Bitcoins are still banned at the state level, but they can still be purchased on international trading exchanges or at various exchange offices. With the help of baksman.org, you can buy Bitcoins for any electronic currencies and real money.
Bitcoin has long turned into a reserve currency and provides a safe preservation and growth of savings. Although, in recent years, it has also acquired the status of an ordinary currency used for everyday financial settlements.
In which currency it is better to keep money - everyone decides for himself. Someone prefers the usual deposits in fiduciary monetary units, and after that they lose almost everything in a few days due to a default or a fall in the national currency rate, someone makes bets on cryptocurrency and, as a result, only wins. The choice is yours!
What currency is it better for an ordinary person to keep money in? The economic crisis has changed a lot in the outlook of citizens, sharp "jumps" in the ruble exchange rate have led to tremendous losses in savings. Like a few years ago, the ruble is considered an unreliable currency for deposits. Financial organizations are doing everything possible to attract depositors - a year ago it was possible to make a profitable contribution at 18% per annum. But there was no particular influx of people interested in banks, therefore, as of July 2016, according to analysts, the average rate is 9.23% per annum. Of course, this does not offset inflation. If ruble deposits are completely unprofitable, then what is the best way to keep money?