The financial expert named ways to store money profitably

Keeping savings based on old habits is not safe today: geopolitical changes, currency fluctuations and the growth of digital instruments require a review of financial strategies. Alexander Grif, a financial expert and chairman of the Committee on Digital and Technological Sovereignty of the CIS and the Russian-Arab Council of the CIS, told Izvestia on November 14.

He noted that one of the riskiest mistakes is keeping money at home in cash. According to the expert, bills "under the pillow" depreciate due to inflation and do not bring any income, and in 2025 this approach has become especially vulnerable. Grif stressed that it is better to place even part of the funds in bank deposits or use tools like deposits in friendly currencies and accounts linked to gold, instead of storing everything in a safe at home.

The specialist paid special attention to investments in real estate.

"A full bet on concrete is not justified: illiquid apartments turn capital into a frozen asset, and it is often difficult to sell such an object without losses. It is necessary to maintain a balance between real estate and liquid instruments so that, if necessary, you can quickly use the funds," the expert advised.

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He noted that having one apartment covers basic needs, and buying a second one "in reserve" is not always justified.

Speaking about cryptocurrencies, the expert called them too volatile a tool to be considered a way of saving. The exchange rate of digital assets can rise or fall sharply, therefore, according to Vulture, it is worth investing in them only a limited part of the capital, exactly the one that the owner is willing to accept the loss of. The basis should be more stable instruments, from deposits to bonds and gold accounts.

Vulture also recalled that ignoring inflation is one of the most common mistakes. If the money is without interest, then against the background of rising prices, the owner actually loses purchasing power. He stressed that in 2025, deposits with double-digit returns made it possible to protect ruble savings from depreciation.

According to the expert, it is important to monitor macroeconomic indicators and choose instruments whose profitability is not lower than the inflation rate, especially during periods of high key interest rates.

"Proper capital allocation is a part of financial independence. The stability of the personal budget provides flexibility, diversification and an attentive attitude to risks allows you to save and increase funds in any economic environment," concluded Grif.

On September 8, financial market expert Andrey Barkhota advised Russians to keep family savings in different currencies due to increased risk and Western sanctions. He added that if the international situation stabilizes, investments in dollars and euros can be increased to half of all household investments.

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