Experts: deposit in rubles is beneficial for short-term investments

Analyzed the seasonal offerings of banks, experts TSMEI concluded that short-term investments are a good option are denominated deposits, while long-term - depersonalized metal accounts (CBO), as prices for precious metals have good growth potential. "Return on investment in various instruments of savings varies significantly from month to month: to bring a record yield at the beginning of the crisis monetary instruments with the beginning of the stabilization of exchange rate started to play the ruble. In recent years, investments in mutual funds rose sharply in the yield (as indicated by the dynamics of the RTS index in March), though not so long ago brought nothing but losses. The prices of gold and other precious metals, even at a fairly short interval show significant variations, and in Russia, they also depend on the dynamics of the dollar / ruble, "- written by experts in a survey released on Monday . The most significant drawback of deposits in rubles is that rates in most commercial banks are at a level below the official inflation rate. For example, in April, the weighted average interest rate on ruble deposits for the year amounted to 13.16% from 14 major banks (excluding Sberbank), and inflation in March 2009 compared to March 2008 amounted to 14,1%. However, the ruble deposit could be one of the most successful solutions for short-term investments (especially when using the seasonal offerings of banks in terms of exchange rate stability). Portal Bank.ru Materials Rihanna.