Hryvnia deposits, in particular, deposits and internal loan bonds (OVGZ) may be more profitable for Ukrainians than buying dollars. Buying of foreign currency in the hope of increasing savings is not a full investment, some bankers and financial experts say.
In particular, as the director of the Department of Retail Business, the Globe of the Bank, Dmitry Schuotaev " At the same time, inflation in the United States until 2025 may amount to 2.4-3%-in the case of the introduction of hard customs restrictions.
And this, according to the banker, means that the purchasing power of the dollar will gradually decline not only in the USA, but also in Ukraine. Thus, the dollar will not protect against inflation and does not guarantee significant profit.
" Indeed, under favorable economic conditions, net profit to deposits from 1 year can be up to 4%, ”said Schutaev. .
A similar recommendation to Ukrainians was previously voiced by the economist of the Center for Economic Strategy Yuri Gaidai. He explained: the National Bank is interested in the fact that hryvnia deposits and bonds remain attractive to the population, that is, their profitability overlap the annual devaluation of the hryvnia. Therefore, those Ukrainians who simply buy foreign currency in T. dollars and keep it at home, lose the cost of these funds.
" I do not understand why Ukrainians still buy currency and simply store it at home, in excess of the sum of the " Thus, they lose the cost of these funds due to inflation, undergo additional risks, such as theft, fires, shelling, etc..
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The expert also does not advise investing in real estate. The reason is unreasonably big risks. . The level of risk and uncertainty is too high at the current profitability, ”he said.
At the same time, financial analyst Alexei Kozyrev advised to distribute investments. He believes that in hryvnia instruments it is worth holding about 40% of its savings, and 50-55%-still currency.
The remaining 5-10% of savings, according to him, can be invested in precious metals. In particular, gold or silver - "