The economist recommended opening several bank deposits

Deposit rates are starting to decrease, so it is advisable to divide savings into deposits with different terms, and put the bulk on long-term deposits. Igor Balynin, an associate professor at the Financial University under the Government of the Russian Federation, said this on Thursday, July 10.

Currently, banks offer rates of 18.5 to 20% on deposits for a period of up to 3 months, 18-20% for a period of 3 to 6 months inclusive, 17-20% for deposits up to 1 year, and 16-20% for deposits from 1 to 3 years.

"I believe that regardless of the amount available for placement, it is better to divide it into deposits with different terms. In my opinion, it is best to put the main part on deposits with a maturity of 2-3 years: there are high yields. If, for example, 250 thousand rubles are put into a deposit for 3 years with a rate of 19.5%, then by the end of the term you will be able to withdraw 396 thousand rubles," the expert said in an interview with aif.ru .

Balynin noted that he recommended refraining from opening a bank deposit, the rate for which is linked to the key one: for such products, the rate is not fixed, but floating.

"Accordingly, with a reduction in the key rate, the deposit rate, which is tied to the key rate level, will also decrease," the economist stressed.

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On July 8, the VTB press service reported that the volume of ruble savings in Russia in January-June increased by 6.9% and exceeded 57.3 trillion. The total portfolio of household funds in banks amounted to more than 60.6 trillion rubles. At the same time, the share of foreign currency savings decreased from 6.8% to 5.4% in the first half of the year, according to the website. kp.ru .

It is noted that the main increase in the ruble market is provided by term deposits, which account for 72.2%. According to VTB estimates, their portfolio in the country has increased by 8.7% in six months, exceeding 41.4 trillion rubles.

The head of the Central Bank of the Russian Federation, Elvira Nabiullina, said during the plenary session of the Financial Congress of the regulator on July 2 that the adaptation of the Russian economy to external changes had ended, RT reports. She noted that the Russian economy needed to change its development model and rely on internal sources of financing.

She noted that the Central Bank notes a slowdown in inflation in Russia, reports NSN.

Earlier, on June 24, former chairman of the Federal Securities Market Commission Igor Kostikov gave advice to inexperienced investors. According to the expert, beginners should use bank deposits, according to 360.ru .

In May, Marina Pligina, a lecturer at the Znanie Society and a business coach in finance, told the Moscow City News agency that since the beginning of 2025, the demand for savings accounts among residents of the capital has increased by 15-20%.