Economist advised Russians to deposit 1 million rubles on deposit
The most profitable way to invest 1 million rubles is a bank deposit. This was stated by Mikhail Zadornov, economist and ex-head of FC Otkritie Bank, in a conversation with RBC on December 19.
"A bank deposit in a reliable bank for six months," he said when asked about the most profitable way to invest.
According to Zadornov, substitute currency bonds can also be a profitable investment instrument. The economist explained his point of view by the fact that the average yield of dividends of quality companies is 13-15%, and deposits - 25% per annum.
"At this rate and in the absence of positive geopolitical changes, unfortunately, the stock market is unattractive at all. Therefore, all this talk about IPO, privatization - they cause nothing but a smile," - said Zadornov.
The economist also noted that the situation on the stock market can instantly change after the resolution of the conflict in Ukraine, which, in his opinion, will happen in 2025.
Earlier, on December 5, the Ministry of Finance of the Russian Federation told "Izvestia" that the total volume of bank deposits, deposits and other attracted funds of Russians reached, according to the Central Bank of the Russian Federation, in early November, 59.3 trillion rubles. At the same time, the share of citizens who kept their savings in cash at home over the past year has fallen to 30%.
November 29, Deputy Chairman of the Board of Dom.RF Bank Alexei Kosyakov called bank deposits the most attractive savings instrument. Thus, in the bank "Dom.RF" the maximum rate on deposit for a year when depositing from 1 million rubles without options for replenishment and withdrawal subject to interest payment amounted to 23.4%. Other banks are also raising rates following the growth of the key rate. Gazprombank makes deposits for a year at 22%, Sberbank - at 19%, Sovcombank - 23.1%.
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