The expert recommended keeping 8-10% of savings in gold as a protective asset.

In conditions of economic uncertainty, the main issue for many is not so much earnings as saving money from inflation. As Nadezhda Narzieva, an entrepreneur and expert in the field of cryptocurrencies, told Izvestia on January 16, there is no universal tool for this, so diversification should be the key principle.

According to her, gold certainly remains a popular defensive asset during periods of instability, but it is designed more to preserve capital than to grow rapidly. It is irrational to keep all your savings in it — a reasonable share is about 8-10% of the total portfolio. For reliability and moderate income, some of the funds can be placed in bonds or funds, which reduces overall risks.

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"Shares of large Russian companies can provide higher-than-inflation returns over the next few years, especially through dividends, while the current market looks more interesting than a year ago. Real estate is still a working tool for long—term capital preservation, especially in large cities, although it requires significant initial investments and does not always give a quick return," Narzieva suggested.

She paid special attention to bitcoin, which, despite its volatility, has ceased to be a tool for a narrow circle. Limited issue, growing capitalization and interest from large investors make it a promising asset for a reasonable share of the portfolio aimed at saving and growing funds.

Summing up, the expert emphasized that in 2026, the most effective strategy is to allocate capital between several areas: gold for protection, bonds for stable income, stocks for dividend growth, and bitcoin for potential. In her opinion, this balanced approach is the most reasonable way to form your own financial portfolio.

Igor Rastorguev, a leading analyst at AMarkets, reported on December 24 that the introduction of a limit of 300 thousand rubles per year per investor when buying cryptocurrencies will not be able to fully protect businessmen from losses, but reflects the regulator's recognition of the scale and reality of the crypto market. According to him, cryptocurrency remains a highly volatile instrument.

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