A bank deposit is currently the best alternative investment option. This opinion was expressed by Candidate of Economic Sciences, financial analyst Mikhail Belyaev on Tuesday, June 30.
According to the economist, there are other financial instruments, but they require a lot of money and professional expertise. So, to invest in securities, you need to know how to work with them, what to buy, what to sell, and constantly monitor the market situation, he said. The analyst added that gold should be considered only for long—term investments – it takes years to make a profit.
“The key rate is at 14.25%. <... so="" we="" believe="" that="" it="" will="" be="" at="" this="" level="" or="" slightly="" lower="" for="" a="" long="" time="" least="" year.="" in="" any="" case="" you="" can="" guarantee="" bank="" rates="" more="" than="" year="" is="" even="" official="" inflation="" which="" by="" the="" way="" unusual="" banks.="" there="" no="" alternative="" belyaev="" said="" an="" interview="" with="" href="https://lenta.ru/news/2026/06/30/nazvan-bezalternativno-luchshiy-variant-vlozheniya-sredstv/">Lenta.Ru .
On June 24, it was reported in the information and analytical material of the Central Bank of the Russian Federation “On the development of the banking sector of the Russian Federation in May 2026” that the total amount of funds of Russians in banks in May 2026 decreased by 0.5 trillion rubles (to 67.6 trillion rubles) after a significant increase of 1.7% in April. It was noted that the decrease in the indicator may be due to seasonal factors, including spending by the population during holidays and holidays.
Earlier, on June 13, Yuri Okishev, CEO of Auditorium CG, said that the most logical and potentially most profitable step now is to open a deposit for a long time, from 1 to 3 years. This will make it possible to fix the current high rate for a long period, even if the key rate decreases, writes RIAMO.
