In 2009, inflation has pleased investors

Interest rates on bank deposits in rubles and foreign currency for the first time were able to protect savings from depreciation, according to the Center for Macroeconomic Research and Strategic Studies (TSMEI) of BDO in Russia. This is largely due to record nikzoy inflation in Russia in 2009. As leaders in 2009 were the contributions to the euro, purchasing power which grew by 2.35% per year (to 15 leading banks: Sberbank, VTB 24, Bank of Moscow, Gazprombank and Raiffeisen Bank, Alpha Bank, Rosbank, MDM Bank, Uralsib, PSB, Agricultural Bank, Bank "Revival", Bank Saint Petersburg ", the bank Petrocommerce, BIN). In second place among the deposits were deposits in rubles, which have brought their owners 1,55% real ruble profitability. While vkaldy in dollarh were outsiders. For the year, they brought only 0.76% real ruble yield, estimated by experts BDO. "Virtually all of the control PIFS benefited a favorable situation. If the worst of the equity funds offered to their depositors 37.25% real ruble profitability for the year, the best indicator of public mutual funds shares reached astronomical 273.25% real ruble profitability for the year" - says BDO . For many years in a row continue to please their owners and depersonalized metal accounts (CBOs) in gold. At the same time in 2009 was especially successful for investing in the yellow metal, its price rose 29%. However, The past year has been extremely unfortunate for investment in the Moscow real estate. During 2009 the cost per square meter in the capital fell by an average of 25% in dollar terms. Thus, investment in the capital's housing depreciated by 28.52%. "It is difficult to talk about what inflation will be up to 2010" - says Bank.ru Vyacheslav Andryushkin, deputy chairman of the SDM-BANK. "Eliminating that it will be more than 10%, still can not. The global financial crisis has not yet been overcome, and the Russian economy on energy prices remain high. With regard to savings deposits: in my opinion, the situation in 2009, when average annual rates of deposits were for the year above inflation, and could happen again this year. However, I believe that all investors, we should not strive for too high interest rates, because often offer such rates bank says that it is imperative to solve the problem of shortage of liquidity, which may be indicative of its low financial sustainability. Yes, if the bank enters the system of deposit insurance, the money in case of bankruptcy you will return. But first, you will receive your funds on deposit in a sum not exceeding 700 thousand rubles. Secondly, I think your nerves and time are not worth the 2-3% that you win if you put money in a potentially "troubled" bank at rates significantly higher than the market value. You can develop a portfolio of different currencies, but in principle it is now more logical to keep money in rubles. On foreign currency deposit rates are too low. In order to reduce risks, such as devaluation, inflation, etc., can be part of the funds put on deposit in another currency, such as the euro. And, of course, the most reliable savings for a financial instrument - it is still contribute to a safe bank ", - said the expert.