The economist named the optimal financial management strategy

Simply accumulating money without its economic realization is a passive model that does not lead to results. This was announced on April 29 by Olga Trofimenko, founder of the financial consulting center Family Capital.

"Saving is a passive model. She does not answer the question of how the money will continue to work. There is no transition from effort to result, there is only constant retention. The working alternative is not to save, but to build a system. The money is not just set aside, but gets a task: some goes into reserve, some goes into tools that at least preserve their real value, and ideally generate income," she told the Prime agency.

The expert noted that simple hoarding only leads to permanent restrictions and subsequently to disruption. At the same time, inflation leads to an actual loss of money, despite the apparent increase in funds.

Accumulated experience: Russians least of all trust their pensions to NPFs and insurers

Why do citizens consider the state to be more reliable and what will the rejection of savings for old age lead to?

Izvestia reported on March 24 that almost half of investors in Russia are representatives of the IT sector and business. The main age of the participants is from 31 to 45 years, while about 85% of them are men. In terms of income, a quarter of investors earn more than 100,000 rubles per month, while 19.3% earn over 200,000 rubles. About 14-15% of respondents receive more than 500-600 thousand rubles. At the same time, almost half of the participants invest more than 30% of their income, and a quarter invest more than 50%.