Real estate ahead of the banks

Specialists from the National Agency for Financial Studies (NAFI) to determine the most effective and reliable ways to invest money. The most reliable type of investing the majority of Russians (48%) named the real estate purchase. This form is gaining in popularity - a year earlier, only 40% of respondents considered it effective. In the second place in terms of reliability are bank deposits in state banks, in which interest from the population dropped slightly: 28% this year and 29% in the past. This is because lending institutions in recent years have significantly reduced interest rates on their deposits. Another way was buying gold and jewelry. The number of supporters of this method for the year increased by 2% to 21%. But the number of those who hoard cash rubles decreased almost twice - from 23% to 12%. paradoxical increase in the number of respondents who prefer paper dollars - 7% (in 2009 there were 3%). Also among reliable were: opening an account at a commercial bank (4%), buying the shares (5%), the acquisition of investment shares (2%). Hard to call a reliable source of money multiplying 15% of respondents. "For most people, the profitability of investments is not generate additional income and the inability to lose their money. Why is that? First, the inadequate level of public confidence in financial institutions as a whole. And, secondly, the low level of financial literacy, and risk aversion, which is a barrier to development of mass investment "- commented study co-director of NAFI Dilara Ibragimov.