The expert explained the popularity of short deposits among Russians

Almost half of the deposits in 2025 were deposits for a period of three to six months. Such popularity of short placements is associated with comparable profitability and the ability to respond more quickly to changes in rates. Anna Zemlyanova, chief analyst at Sovcombank, told Izvestia about this.

"According to the Bank of Russia, starting from the second quarter of 2025, half of the deposits are made by individuals. individuals accounted for deposits for a period of 91 to 180 days. The yield on deposits at this maturity was comparable to the yield on longer deposits, starting from six months. At the same time, shorter deposits allow for a faster response to changes in interest rates in the economy," she explained.

According to the expert, short-term deposits provide greater flexibility and quick access to funds, while long-term deposits often provide a higher fixed rate, but limit liquidity. At the same time, Zemlyanova predicts a reduction in the key rate to 12% by the end of the year, which is why deposit rates will also decrease.

"Therefore, it is reasonable for an investor to fix the current high yields for a long time," she stressed.

Read more in the Izvestia article: Money on the pulse: the popularity of short-term deposits has grown in Russia

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