The economist gave tips on saving your savings
Independent economist Viktor Mangazeev said that in order to save money, it is important to distribute funds between several currencies and financial instruments. This approach reduces the risks associated with exchange rate fluctuations and economic instability.
In conversation with Lenta.Ru On Thursday, October 29, he noted that the pound sterling is considered a reliable global currency, but its exchange rate depends on inflation, the policy of the Bank of England and geopolitics. Sanctions restrictions create additional risks for Russians, so it is not worth making the pound the basis of savings.
The expert recommended storing part of the funds in yuan and dirhams of the UAE, a small proportion in pounds, and using rubles for everyday expenses and unforeseen needs.
Gold, according to Mangazeev, helps to preserve capital in the long term, but does not bring passive income and is subject to price fluctuations. When buying bullion, you should take into account the storage costs and the difference between the purchase and sale prices. Depersonalized metal accounts eliminate the need to store metal, but are not protected by the deposit insurance system. When selling gold for a profit, a tax may be incurred, but after three years of ownership, a property deduction is available.
The economist advised distributing savings between rubles, several foreign currencies and a small proportion of gold, taking into account the risks and timing of investments.
On August 11, the press center of the Russian Interior Ministry reported that Russians should not use money that unexpectedly arrived on a bank card from an unknown sender. Such actions can be regarded as unjustified enrichment.
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