The Ukrainians were often set aside money for \"rainy day\" . It is true , do Financial savings - it's still a lot of older people . The most reliable way investment Ukrainians consider real estate.
What do you think? say
Try to find out how you can increase your savings. "If the crisis will grow this year, you can use bank deposits as a hedge against economic risks? "According to the study found that savings is about one in three Ukrainians (31%). As a rule, money is accumulating in the elderly (37%) and affluent respondents (50%). 63% of respondents have no savings - it is often 35-59-year-olds (66-67%) Ukrainians with income below average (72-74%). Experts have not surprised the fact that the propensity to save is characteristic for older people. People in the young age do not think that in 50-60 years is more difficult to settle to work. The older the person, the more he begins to feel and to notice it. In addition, older people, the more they start to hurt, so delay has in any case. And Ukrainians tend to hoard money (or hoarded like) without a specific purpose, just in case (28%), the "black day "(25%) or to purchase housing (27%). Several respondents rarely tend to hold off on treatment (20%), education (15%). Even fewer who puts money in the event of job loss, at rest (10%), for buying a car (8%), land or house (6%), expensive items (5%), on its own business or for augmentation of their funds (3%). However, experts argue that, judging by the level of real incomes, the Ukrainians do not so many "free" money. "During the crisis the share of income, which is spent on essential commodities. Now the tendency to reduce free money saved. During the first three months of 2011 real disposable cash incomes fell by almost 3%. In the middle class does not have enough funds for investment / savings "- says the director of" RealEkspo " Victor Kovalenko. The most reliable way to invest money Ukrainians believe real estate purchase - just for this purpose are willing to spend their money 43% of Ukrainians, although in the spring of this year, according to "RealEkspo" fell 7% of people who believe the best investment real estate. The number of those who choose to deposit money in gold and jewels. Keeping savings in banks is the best option for 26% Ukrainians, writes UBR. "People are more confident in investing in real estate. While investments in the stock market is not popular among the Ukrainians. For us the most meaningful - this deposit in a bank and real estate. Stock markets Many are afraid and do not understand. Especially people of retirement age, fewer all familiar with the stock market ", - says Victor Kovalenko. Now it's time of financial uncertainty - stock markets around the world behave unpredictably, even investors prefer to invest in the market gold, not stocks. Flight of investors into gold - is a direct indicator of instability. The yellow metal, since November 2008 crisis year, rose in price by more than 115% and continues upward movement and at the moment, setting new records. The most familiar to Ukrainians tool for the conservation of remains in the deposit bank. If the crisis will grow this year, you can use bank deposits as a hedge against economic risk. On the foreign exchange and the asset during the "storm" better forgotten. Recall that, when started crisis in 2008, banks have tried by hook or by crook to stop outflow of capital and increased interest rates on deposits. It was only in April 2009, when the recession slowed, interest rates began to decline. Therefore, if the script again, the banks can once again raise rates on deposits and investors - not bad to make money.
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