Increasingly, one has to hear questions about the ruble exchange rate. Frightened by the sharp fluctuations in the currency, the Russians are afraid of default and rush in panic, not knowing what to do with the money in such a difficult time. Let's try to understand the situation in the economy together with experts.
Will there be a default in Russia in 2015?
The fear of default lies in the empirical experience of Russians. The devaluation of the ruble is strongly associated with the state's bankruptcy, namely, that is, bankruptcy, means default. Is it possible in the near future. Obviously not. Of course, the purchasing power of the national currency will decrease, but wait for the budget collapse in 2015 is not worth it. The potential of the Russian economy and the reserve fund are unconditional protection against the most unfavorable circumstances that can only happen this year.
What should I do if there is a default?
By itself, default is not terrible for the citizens of the country. The budget deficit that preceded it is painful, as well as the government's measures aimed at filling it - inflation. Usually the state's bankruptcy is accompanied by a collapse of the national currency, which leads to a sharp rise in prices for imported goods, and often to domestic ones. This is what makes it feverishly to look for ways to save money from default. It is understandable that, having such experience, the Russians begin to worry, observing the sharp fluctuations of the ruble, due to the cheapening of oil in recent months. Nevertheless, there is no default! However, devaluation, of course, is an excuse to worry about the safety of money. However, money always requires attention.
What to do with the money now?
Having learned about the devaluation, many Russians hurried to buy any goods. If there is no investment experience, then the decision to spend depreciating money is reasonable, of course, provided that the necessary goods are bought. But most people still want to have deferred money, which should be saved from default, devaluation and other misfortunes. If there is a lot of money for real estate transactions, and they are in rubles, then it is reasonable to purchase liquid real estate. Still, the Russian ruble, being the currency of the developing economy, is not strong enough not to lose its value over time, even if the budget crisis is not expected ahead. You can buy not only apartments, but also garages and pantries, provided that in a particular market there is a demand for the rental of these premises.
If this is not possible, then it is permissible to invest money in currencies, but this is much more difficult, and the majority of Russians, without the proper experience and knowledge, make serious mistakes that lead to losses, not profits. Speculators earn, thanks to the ability to foresee. If you buy a currency at a time when its growth is obvious, the probability of losses is very high, because at that moment all professional market participants have already bought the currency and begin to sell. Most nonprofessionals, not knowing what to do with money, when they are depreciating, buy dollars at the most inopportune moment.
If the decision to buy dollars is still made, you need to be prepared to study the opinions of analysts before making a deal, as well as follow the forecasts in the future. If there is no such desire, it is better to invest in something else. In addition, you should not invest in one currency. Risks need to diversify, in other words, you can not put eggs in one basket.
Also you will be interested in articles: