What will happen to the money. Four tips for what to do with money in a crisis. The money is there, but you hold on

The crisis continues to unfold, and we will have to learn to live in new conditions. It is better to clearly assess the threats and be aware of the problems - this is the only way to live with dignity in this difficult time. The crisis severely punishes the unprepared.

Despite the optimistic forecasts of some economists, the crisis in Russia still continues to unfold. Apparently, we have to learn to live in new conditions, while the clouds on the financial horizon are only gathering. We know that it is better to clearly assess threats, and not be like an ostrich, especially since real events will not allow us to remain in blissful ignorance. Awareness of problems will allow you to overcome confusion and take steps not only to survive, but also to live a dignified life during this difficult time.

What's happening

The West has expanded economic sanctions, cutting off Russia's largest banks from capital markets. Fortunately, the accounts of Russian banks have not yet been frozen and there is no ban on energy trade. But, on the other hand, such a possibility cannot be ruled out, since the political crisis is far from being resolved, and the parties' rhetoric can hardly be called peaceful.

It dropped from $ 100 to $ 60 per barrel, and this decline is likely to continue, while hopes for a rise in prices are very vague (see ""). reached almost the same mark - 60 rubles for $ 1. A banking crisis unfolds. The central bank raised the discount rate to 17%, which will effectively kill lending. Today, however, the rate has been slightly reduced - up to 15%, but this cannot cause revival in the credit market. Banks have raised deposit rates to 20-22%, which means that loan rates will increase proportionally. At the end of last year, according to official data, inflation was 12-13%, and next year it will exceed 15%. The projected drop in GDP in 2015 is from 2 to 5%.

The ruble exchange rate is more stable than ever and still does not exceed a hundred kopecks.

As a consolation, we can say that the crisis severely punishes the unprepared, but it can be useful for those who assess the dangers in time and take action.

What to do

1. The crisis is easier to deal with with money

Not a good joke for those who have not had time to stock up on cash. If it is still possible, try to provide for yourself for a rainy day. This money should be at hand not to buy currency or a profitable investment, but for the most urgent needs. Create a reserve that can be very helpful in the prevailing conditions. The financial cushion is your lifeline during an economic storm.

2. Pay off your loans, first of all, expensive ones and do not take new ones

In a crisis, all efforts should be directed at creating personal financial security, and not at enriching the bankers.

3. Foreign currency loans

If you have foreign currency loans, do your best to restructure them into ruble loans. This is especially true for mortgage loans.

4. Send free money to buy currency: dollars or euros

5. Forget the refrigerator

Prices for TVs, refrigerators, vacuum cleaners, etc., which compatriots have enthusiastically swept from store shelves, have already risen, so it's too late to invest cash in household appliances.

6. Today, the peak of deposit rates in banks has been reached

The government is most likely inclined to pursue a tight monetary policy, which gives hope for the relative stability of the ruble. The banking system is unhealthy, and many banks are starting to get feverish, and some are already collapsing. The state will save the largest and most socially significant banks by carrying out additional capitalization (refinancing). In these conditions, it is possible to recommend choosing one of the most reliable state-owned banks and placing a long-term deposit with the maximum profitability in it.

7. Inflation will unwind, and consumer goods will surely rise in price

When sales of durable goods, even expensive cars, boomed at the end of the year, similar second-hand goods also rose in price. But over time, the new prices will cease to shock, and trade will revive again. Along with this, the price of used goods will fall, which can now be sold very profitably. Therefore, take advantage of the moment, there is an opportunity to make money on this.

8. Real estate in ruble terms has risen in price before the crisis

When the crisis struck, and the owners needed cash, prices collapsed. Economy-class apartments were at their peak at the end of the year, and expensive real estate is selling very poorly. Renting out premises is becoming more and more difficult. It is currently possible to buy real estate, but in another six months the prices will fall by 30 percent. The chances of getting discounts from the owners of cash are especially great.

Debt in an environment where you cannot be sure of stable income is not the most fun thing. Anyway, wait for the banks to set a new mortgage rate.

10. Accounts in foreign banks

The political situation is developing in such a way that there is no certainty that the accounts, even in Swiss banks, are absolutely reliable. Offshores today are also not the best option, since both the Russian authorities and Western sanctions put pressure on their owners. The requirements for the legality of money and for the purity of taxation are becoming more and more stringent. Experts call this phenomenon "discrimination of offshore companies" and measure it a period of one to two years.

11. Investing in a crisis can be both super successful and extremely unsuccessful way to save money.

With a well-formed portfolio and a sound investment strategy that takes all risks into account, return on investment will make you feel confident. It is necessary to carefully select not only the assets in the portfolio, but also the place of their storage, and the intermediary in the auction.

12. Domestic securities in the eyes of foreign investors represent a concentration of political risks. On the one hand, there are great opportunities, especially with stock and bond prices. Russian shares fell 45-65% and may continue to fall further. But it will not be possible to sell them profitably soon, and this must be taken into account.

13. Precious metals

Now gold is getting cheaper all over the world, so it cannot be considered a good way of earning money in the near future. If you have money that you can live without for a long time, this way of saving is reliable. Gold will be in demand when the dollar wobbles or the global economic crisis becomes real. Economists predict this, but so far there are no real prerequisites for this.

Everyone ends someday. For now, we will have to live in the prevailing circumstances beyond our control, continuing to work and plan for the future in new conditions. No matter what happens, we will bring up children, educate them, buy housing - in a word, life will go on as usual. Make a personal financial plan and stick to it, make money, invest and save it to feel as confident as possible. In difficult times, your actions should be especially balanced and thoughtful.

The first model of behavior: man spends everything... On the one hand, with this approach, you do not need to control yourself - you go with the flow, you don’t deny yourself anything.

ON THIS TOPIC

Spending money, you get various benefits (equipment, clothes, shoes, restaurants, taxis, rest, etc.) for a comfortable life. All this gives positive emotions, the feeling "I can do everything, everything is available to me." Creates a positive attitude in life.

But there is also a downside to this approach to money. Any crisis or force majeure situation will negatively affect life: no one will give a guarantee that a person will always earn good money, will not lose his job, that the salary will not be cut, that the business will remain profitable.

In this situation, the family is on the brink of survival, since there is no "safety cushion" formed on the basis of the formula: monthly expenses multiplied by six months. The "safety cushion" must be kept in a reliable bank (top ten), on a deposit - always with replenishment and partial withdrawal.

Now let's consider another option, when a person decides to save money. Of course, he has to limit himself in some way, to be financially disciplined (which does not mean at all to be stingy). Some purchases can be postponed until you have earned (or have not accumulated) a sufficient amount, especially since it often turns out that what you really liked yesterday is no longer needed today.

Gradually, a person gets used to the idea of ​​the need to plan their expenses, begins to devote time to this issue, and, in the end, such a model of behavior becomes a habit.

Over time, the accumulated assets increase. Allows you to create pension capital and receive passive income. To do this, it is necessary to calculate the required amount and develop a strategy for its accumulation - this is the biggest and most expensive goal. But there is a feeling of reliability, confidence in the future.

It turns out that savings option is beneficial... You should not turn off the right path, even referring to the difficult financial situation, instability in the country.

On the contrary, it is better to view the crisis as a period of new opportunities. It is at this time that you need to keep investing. But you need to be clear about what to do.

1. Don't keep all assets in one place. Divide savings into dollars, euros and rubles.

2. Diversify (don't put all your eggs in one basket): by asset type (stock market, real estate), by industry, by currencies.

3. Watch for downtrends and uptrends. Buy on a downtrend or the beginning of an uptrend. But this takes time and professional knowledge.

4. Start / continue to invest regularly using the averaging strategy. The latter implies the purchase of an asset (for example, stocks, mutual funds, currency, etc.) at regular intervals (for example, a month) and for the same amount. At the same time, there is no problem of guessing where the trend will go - up or down, since with the averaging tactic, the value of an asset tends to a minimum due to averaging. This strategy avoids investing all the money when prices are at their peak, but you keep investing when the markets crash. In this strategy, discipline is key.

5. Tune in for a long-term investment period. Typically, the media provide a short-term overview of the market (week, month). During the crisis, there is a lot of negative information: markets are falling, oil prices are falling, the ruble is depreciating. Remove unnecessary noise, study the history of assets for 10, 15, 25, 40-year terms and you will see that there is always growth after a crisis. As it was after 2009. After winter comes spring. This is the law of nature and life.

6. In a crisis, the best thing is to make a personal financial plan and keep investing.

Who knows best how to attract money? Of course, the one who bewitched a large fortune to himself. Let's listen to the richest and most influential people in the world.

Photo by Philippe Bigard / OJO Images / Getty Images

1. “He despises wealth who has lost hope for his own enrichment” (Francis Bacon, philosopher, politician, historian).

It's up to you to choose whether to be rich or not. Everything comes from the head, including the installation: to have prosperity in the house or exist in poverty. If a person has a negative attitude, ignores the laws of attracting money and at the same time does not notice and does not use the opportunities that surround him, he will remain poor. He will not look for a new job and engage in self-development. Often, luck and luck become the main companions of wealthy people, but these, as a rule, are those who radically change their worldview, tuned in to provide themselves and their families with material well-being.

Start working in your head, learn to be content and grateful. Money does not come to the one who grumbles, complains, whines and begs. The mindset of rich and poor people is fundamentally different. Read the biographies of successful millionaires, you will see that many of them started making money from scratch, they experienced crises and bankruptcies, but the main thing they had was faith in their capabilities, they set impressive goals for themselves and achieved them.

2. “Never spend money before you make it” (Thomas Jefferson, 3rd President of the United States).

This is the monetary law of foresight. If you have collected loans or use credit cards, then you have begun to use what you do not yet own. Money loves its own owner, who tried to earn it, and not the one who expects favors from credit institutions. It is almost impossible for the debtor to give up the illusory comfort, the feeling of false material wealth leads him to new spending and loans. The worst thing is when financial demands begin to exceed real income, while a person cannot stop and draws up a new loan, makes another expensive purchase. Anyone who does not calculate the spending of tomorrow and wants to get wealth without much difficulty will never be rich. Money comes to the one who manages it competently, who first weighs and calculates, and then makes financial steps. If you constantly endure costs and borrow money, then try to start living according to the old well-known principle: "In the morning money - chairs in the evening." Make money for a chair first.

3. “To spend money wisely, you need to spend money on your mind first” (Leonid Sukhorukov, writer).

A person's capital is expressed not only in a large number of cherished bills, but also in obtaining new knowledge, honing professional skills, and timely mastering skills and abilities. The more a person knows, the higher his qualifications, the more he is in demand in the labor market, the more efficient and productive his actions to generate income. It's like preparing for a marathon: the more trained the athlete, the more kilometers he will run. So in the money issue - you learned how to earn one ruble, master the knowledge in order to earn a thousand, ten, a million. Gain experience, hone the skills and abilities that you already possess, develop your physical and mental abilities. Invest in education and self-study. All this is the most important monetary law.

Photo Caiaimage / Trevor Adeline / Getty Images

4. “Spend one penny less than you earn” (Benjamin Franklin, politician, his portrait is on a hundred dollar bill).

The Law of Conservation and Saving states that the strength of your financial condition is determined not by how much money you make, but by how much you have left after spending. Always set aside a few percent of your income, this will become your material reserve, which will give you confidence in the future. Economists estimate that 10 percent of income can be saved by every working person. If you can't keep ten, start with smaller amounts, but build up your financial reserve constantly.

5. “Money is a good servant, but a bad master” (Phineas Taylor Barnum, founder of his own circus).

Money obeys the law of exchange and comes to the home, where it is used as a tool to achieve goals, but not as a source for worship. Sweetly tinkling coins exist to be spent on fulfilling your dreams and requests. The curmudgeon who collects all his savings in a chest is always in a restless state, he is always not enough. He is afraid of temptations and his desires. Hugging his beloved piggy bank like an icon, he stops the process of raising money. Read about the richest and meanest woman in the world, Gety Green, who died of a heart attack when she found out she had overpaid for milk. Hundreds of millions of dollars did not bring happiness to her or her descendants. Greed and hoarding were to blame.

6. "Wealth is like dung - it stinks if it is in a heap, and is beneficial if it is scattered" (Leo Tolstoy, writer)

Another law of the Universe says that you need to share and give part of the money to those in need. The law of gratitude says: "Everything that we give, we receive 10 times, and from everything we receive, we must give a tenth." If you do not want to violate the law of energy exchange and cut off access to cash flow, you need to follow a simple rule: a tenth of your income must be donated to charity. You can donate to low-income funds or help a lonely elderly person, bring food to the Animal Welfare Society, or simply buy supplies for a single mother. Any of your voluntary help to those in need will be heard by the Universe. Do not expect anything in return, no gratitude, no instant appearance of bills in your wallet. There are no tricks here, everything should be here from the heart, with a light and positive attitude. The seeds of good will sprout.

Photo by Colin Anderson Productions pty ltd / Getty Images

7. “Buy when others are selling and hold on until someone wants to buy it.” - Paul Getty, oil tycoon.

The money law of investment assumes that money must work, which means it must earn other money for you, bringing additional income. If everything is carefully analyzed, material capital can become a source of passive income. Start with a small investment, look for where money can be invested wisely. These can be promotions or purchases of a collection of original items; maybe a friend's business will be involved in the investment, who will pay interest. The main thing is to weigh everything carefully and understand in advance how sorry you will be to lose your invested money in case of failure. Money certainly loves reasonable risk, but there is no big money without risk.

8. “You can't chase after money, you need to go to meet them” (Aristotle Onassis, ship owner, investor, billionaire).

The law of abundance believes that there is so much money on earth that if buildings are laid out from bundles of banknotes from all over the world, several dozen skyscrapers as high as the tallest Burj Khalifa in the Emirates will grow. That is, the money lies right in front of us, but, unfortunately, disappears the very moment we start chasing them. It is like a man who cannot be held captive. First, it is necessary to prepare the ground for them (the money) to want to surrender themselves to us. Often, after all, how it turns out, we are not so much interested in a promising job as in today's salary and fees, but perspective presupposes good income, and the funds received today and now, unfortunately, do not guarantee anything. A promising trap for money can be a favorite business that you will develop, invest your mind and strength in it. Do not try to earn a lot at once, let the money catch up with you. Work better, not harder.

9. “Communicate! Money comes to you through other people. Uncommunicative people rarely get rich. ”- John Davison Rockefeller, the first official dollar billionaire on the planet.

Communicate and be glad that you have not only money, but also friends. Try to make gifts to yourself and your loved ones more often - this will strengthen the idea in your mind that money is good, they will begin to come into your life more often. Exchange money for things, services, dreams. Go to the movies with your friends, chat in good restaurants, go on trips. There is a psychological aspect to this: the more pleasant meetings you have, the better your mood, less anxiety about the future, more motivation to achieve goals. There is a desire to work better and increase income. Be glad that you are living, because no money can buy an extra day of life.

Traditionally, in December we sum up the results of the year and plan the next one. Let's not forget about finance. We will put things in order, get rid of unnecessary things and outline the perspective - what needs to be done in order not to drag old tails into the new year.

1. Tweak the balance

Remember how Vronsky once a year sat down at Anna Karenina at checks and papers, put his finances in order and dealt with debts. We will do the same.

• Count all the money. How much do you have in your accounts, how much cash, how much money is in bank deposits and investments, if any.
• List assets. An apartment, a car, a summer house - all large property. How much does it cost? If you had to sell now, what kind of money would you really get?
• List your debts. Credit cards, mortgages, car loans, debts to relatives and friends.

It is helpful to take an honest look at the picture to understand where you are and where you are going.

2. Calculate how much you are worth

You can also calculate your Net Worth. This criterion is used to assess the financial soundness of companies, but it is perfectly applicable to family and personal budgets. How to do it? The net worth is calculated using the formula:

net worth = your assets - your debts.

For example, you have:

• apartment in Moscow, with a current market value of 5.2 million;
• $ 500 in the nightstand;
• 80 thousand on the deposit;
• 150 thousand in bank accounts.

All the best for 5,460,000 rubles.

Now debts:

• the balance of the mortgage debt with interest - 3 million;
• credit card debt - 45 thousand;
• rent arrears - 15 thousand.

Total for 3,060,000 rubles.

Net worth = 5,460,000 - 3,060,000 = 2,400,000 rubles.

How to use this indicator:

• Do not collect loans that exceed your solvency. With a balance of 2 million, it is not worth taking a half million on credit for repairs and also borrowing from friends to update the car. Strive to stay in the black.
• Track this indicator from year to year, observing a positive trend.

3. Pay taxes and fines

Tax

Tax notices for 2017 were due in the mail before December of this year. And until the 3rd day they had to be paid. But I still haven't received my notifications. And considering that I changed my registration last year, I can wait for them for a long time.

How to do without a receipt:

• The accrued taxes are visible in your personal account on nalog.ru (if you have verified access) or on "Gosuslug" in the "Tax debt" section. You can also pay for them there.
• Fines for late tax payments are very small, but why spoil karma? Let's walk into the new year without a load of debt on our shoulders.

Traffic fines

I check in the RosFines mobile application and pay immediately, while the 50% discount is valid.

It happens that the fine is lost, so I additionally check it on "State Services".

And at the same time, I’m already checking the site of the bailiffs: enter the TIN and see if you have any debt cases.

Let me remind you that with debts of more than 30 thousand you may not be allowed out of the country for the New Year holidays.

4. Review tariffs

Cellular communications, Internet, television - tariffs change frequently, new ones appear, more and more profitable. Our needs also change. For example, lately I have been writing and calling on the Internet more and more often, but I rarely use my cell minutes.

Last year, the revision of the cellular tariff saved me 1,500 a month (500 rubles instead of 2,000!). And now I will choose a tariff for 300 rubles. The difference in money may not be fundamental, but why pay more?

5. Review bank cards

• Maybe there are better conditions? We are talking about cashback, bonuses, percentage on the balance.
• Maybe there are unnecessary cards?
• Or inappropriate service levels?
• Or maybe you should finally close your credit card?

I closed my old salary card. She dangled in her wallet out of habit.

I also refused a premium card from another bank. I realized that I didn't really use the privileges, and the service of a regular card would be cheaper.

There is a convenient service for selecting a card on banki.ru: set the parameters, the service looks for offers. Only, please, read carefully all the conditions in small print.

6. Extend auto payments, customize templates

To be honest, I don't use auto payments. Oops. I don't like it when money is debited without my participation. And the amounts are different every month. But I have templates set up for all recurring payments and the payment takes 5 minutes.

My templates: rent, electricity, kindergarten and hobby groups, cellular communications, Internet + TV, deductions to savings and investment accounts.

You can customize templates or payments in your bank's personal account.

7. Plan for income growth

Why not. My plan is to grow 30% by this year. What number will suit you? Try it on.

What to do to increase income

• The simplest thing is to organize a salary increase. Estimate where you are now, how much are specialists of your level. Sometimes just searching on

The well-being of millions of Russians directly depends on the exchange rate of the national currency. It is in rubles that most of the country's citizens keep their savings. About a third of all deposits in Russian banks are in rubles.

However, today the confidence of Russians in domestic money has slightly decreased, which is explained by the fall in the exchange rate, the geopolitical situation on the planet and the state of the Russian economy.

You will find answers to these and other questions in the new article of our magazine. In touch, Denis Kuderin is a staff expert of HeatherBober on financial topics.

Analytics, forecasts, expert opinions - only useful and relevant information!

1. What awaits the ruble in the future - positive and negative trends

In the recent history of the ruble, everything has happened, including Black Tuesdays, collapses and devaluations. The chart of the RF currency moves in the wake of economic and political changes in the country and in the world.

Stability is only temporary. Therefore, keeping all savings in RUB, especially outside a banking institution, is risky and impractical. Financially literate people don't do that. They distribute money among several currencies and put it into action. At least - they put it on a bank deposit.

It is even better if they are invested in more efficient banking instruments - securities, metal deposits, mutual funds, reliable investment projects. In this case, the fall of some money and the rise of others will not be catastrophic for your assets.

But this does not mean that forecasts should not interest you: every civilized citizen monitors the quotes and acts in accordance with their changes.

However, not all forecasts should be taken on faith, and even more so as a guide to action. Most of these predictions are empty air concussions. Even competent financial analysts and economic observers are often wrong. The reason is simple: too many factors influence the situation.

Our task is to find a rational grain in such forecasts in order to form the most objective picture of the situation and draw appropriate conclusions.

Forecasts are needed to:

• know in what money it is more expedient to keep most of the savings;
• make money on fluctuations in quotations;
• save your assets in the event of a sharp drop in one of the currencies.

The collapses of the exchange rate always occur rapidly - that is why they are collapses. Nevertheless, it is quite possible to catch the tendency to a sharp change in quotations. Experienced people do just that.

Changes in quotes can be foreseen if you are up to date with the latest news

Another question is who to believe? Surely you have a friend who loves to make forecasts and knows exactly what will happen to the ruble in a month, a week, at the end of the year (underline the necessary). And another friend predicts the opposite. One of them will be right in the end. Is it worth believing such predictors?

As for the official forecasts for 2019, there are, as usual, two trends - negative and positive.

Thus, the Ministry of Economic Development of the Russian Federation assumes that the weakening of the national currency will continue, but this will hardly affect the country's economy. According to the ministers, the GDP will grow, while the inflation rate will fall.

The head of the department, Maxim Oreshkin, calls out indicative indicators by the middle of the year: no more than 67-68 rubles. for the dollar.

But representatives of Bank of America think differently. Sanctions against Russian banks and financial assets abroad, in their opinion, will significantly restrict the Russian economy. Companies will have less credit, which will negatively affect growth and development. It is assumed that the Russian currency will fall to 70 rubles. for a buck.

2. Why the ruble is falling - the main factors that negatively affect the exchange rate

There are actually several dozen factors influencing the fall of the ruble against the euro and the dollar. Most of them are beyond government control. This means that there are no guarantees of stability. Russians, as always, should be ready for any scenario.

Let's consider the main reasons for the depreciation of the ruble exchange rate.

Outflow of Russian capital

Geopolitical events and the sanctions imposed by the West on the Russian economy continue to stimulate the movement of financial assets to foreign countries.

Large investors prefer not to keep their money in rubles or securities representing the Russian economy. Ordinary citizens do the same. Not trusting Russian money, we are thereby working for the stability of other countries.

The owners of assets cannot be blamed for this, but the fact remains: capital is being withdrawn from the Russian economy. This leads to a drop in production, a decrease in GDP, an increase in unemployment and other "delights" of the time of crisis.

Game of the population with exchange rates

As soon as the position of the ruble weakens, the population begins to panic and buy up dollars in huge quantities. Such behavior is a manifestation of financial illiteracy, but again, ordinary citizens cannot be blamed for this: they perfectly remember the crises and collapses of recent decades.

However, panic in the market leads to an even greater increase in the value of foreign money. An avalanche effect occurs. Professional exchange gamblers earn decent money on panic fluctuations in the exchange rate. But the majority of depositors are simply buying up currency at an artificially inflated price, changing the quotes to the disadvantage of the ruble.

Central Bank Measures

The Central Bank of the Russian Federation switched to a floating exchange rate in 2015. In practice, this means that the country's main bank no longer supports national money during the crisis. In other words, if earlier the gold and foreign exchange reserves of the state budget were spent on artificially maintaining the exchange rate, today the national currency should support itself.

The Central Bank also has other levers of influence on quotes, both positively and negatively:

• additional issue of banknotes - more money is printed, which leads to inflation;
• foreign exchange interventions - buying / selling foreign money on an "industrial scale";
• issue of bonds - the massive purchase of securities strengthens the currency;
• reduction of the refinancing rate - the lower it is, the more stable the national currency rate.

It would be naive to think that only the Central Bank influences the quotes. The United States also has a national bank - the Federal Reserve System. The decisions this organization makes have a direct impact on the status of the dollar. All other money in the world depends on this currency.

Economic stagnation

The main export item to the Russian Federation is raw materials: oil, gas, and other energy resources. High oil prices keep the Russian economy afloat.

The rest of the industries in our country are poorly developed or are in a state of stagnation. This means that there is no development, and our industry enterprises cannot create serious competition for foreign companies.

Economic sanctions have deprived Russia of a significant share of imports, but this situation cannot be called unequivocally negative. There are no imports, which means that you need to saturate the market from the inside. Against the background of external pressure in some sectors of the economy, there has been an upturn - in particular, in the agricultural sector.

At the same time, a significant share of consumer goods (70-80%) is supplied to the Russian Federation from China. It is cheaper than producing your own products, but it does not stimulate economic development.

And a little more negativity. Most of the large factories in the Russian Federation operate on obsolete equipment. Industry is not expanding, new technologies are not being developed, income from enterprises is barely enough to pay workers' wages. The machines have to be bought from foreign ones, and this, again, means injections into the foreign economy.

I can confirm by my own example. Several years ago I worked for a large publishing house. Under him there was a printing house, on which of the 50 machines there was not a single Russian production - only German, Japanese and Chinese.

By the way, this largest printing house in Siberia has almost stopped by now. The staff was cut by 80%, some workshops were closed forever.

Comparative table of influencing factors

3. What can affect the growth of the national currency

Most analysts do not believe in the growth of the ruble in the next few years. However, such a scenario is not completely ruled out.

What must happen for the ruble to rise?

Western partners investing in Russian securities

This will happen if stocks, bonds and other securities of Russian origin begin to show a steady upward trend. Which, in turn, is possible in the event of an economic recovery in the country.

Rise in oil prices

So far, there is so much oil in Russia that we export it abroad on an industrial scale. The state of the Russian, and before that, the Soviet economy, has always depended on oil prices. More than half of all budget revenues are oil money. The rest is accounted for by other minerals.

As soon as oil falls by a couple of dollars per barrel, we will miss billions of rubles in the budget. If the price falls by 10 USD, the Russian economy will collapse into the abyss. Fortunately, the downward trend has not yet been observed. If prices for "black gold" continue to slowly creep up, this will strengthen the ruble in the second half of 2019.

Increasing the rate of national production

Everything is simple here - more exports, good and different, more treasury receipts.

So far, economic ties with foreign countries are mostly broken, not improved.

The ratio of the population to the national currency

If people begin to trust the Russian currency again, as they did 5-10 years ago, this will automatically raise its status.

More deposits of the population in national money - the more stable its quotes on the stock exchange.

4. Is it worth changing rubles for dollars and euros - expert opinion

Experts believe that buying up foreign money on a massive scale is shortsighted and impractical. At all times, it is better to keep savings in several currencies at once. For these purposes, banks have special multicurrency deposits - far-sighted investors use them.

Do not forget that more interest is charged on ruble deposits than on foreign currency ones. During a period of economic stabilization, keeping savings in Russian money is even more profitable.

But taking long-term loans in USD is definitely not worth it. You will also have to pay in dollars. Even a small appreciation of the dollar will turn into a serious debt burden.

6. Conclusion

Let's draw conclusions. Analysts predict the course based on the ideal situation. And there are almost no ideal situations in nature. Something always goes wrong, which is why even brilliant economic experts make mistakes in their forecasts.

If you want to protect your savings, distribute them between three currencies. Then the economic shocks will affect you to a minimum.

Question to readers:

What forecasts about the ruble do you personally give?

We wish you financial well-being, regardless of the currency you choose! We will be glad to receive comments, reviews, stories from life. Until next time!