In most cases, Russians deposit money in banks. Glass ones, not the ones you're thinking of - although the banking market is developing at a good pace, of all its players, our people more or less know only Sberbank. Stockings, mattresses and other folk "containers" of hard-earned goods are also popular. Many people are not ready to save at all, it is easier for them to borrow money, and then pay it back in parts, even with interest. National mentality "don't make a wish for tomorrow&"multiplied by disbelief in official investment instruments (it is worth remembering at least the "burnt out" deposits of the early 90s), it gives its results.
Researchers are surprised to note that even the least affluent segments of the population have not formed the idea of thrift "in fact". If a person accidentally gets an unnecessary amount of 500 or 1000 dollars at the moment, he does not go to the bank to open an account. He will either come up with unplanned expenses that are not essential, or put the money in a stocking. Banks are not even considered as a reliable and stable penny-for-penny accumulator, let alone mutual funds or the securities market. Of course, investments in real estate are popular - according to opinion polls, more than 50% of Russians would buy an apartment or a cottage on occasion. But this option does not work when it comes to the mentioned 500 dollars. Meanwhile, it is precisely with such amounts that the "lion's share" of our poor population can operate. What kind of apartments are there.
There are two reasons for disbelief in the investment instruments offered by the market. The first is "sacred" disbelief, because "they will be deceived anyway." This psychology, which has been hammered into our people by the authorities of all stripes for years, cannot be eradicated in a couple of decades of market reforms. Therefore, it is better to treat it philosophically - over time, a new generation will grow up, unaware of monetary reforms, defaults and collapses, as well as overdrafts and expropriations. The market will also take shape, because in the United States and Europe, the investment culture has been cultivated for centuries, and people there have some guarantees that they will not lose everything overnight. Hence, the second reason for the neglect of "all sorts of scams" like stocks is the lack of basic financial literacy among people. This is where the situation can be fixed. After all, it is clear why the mattress becomes the most attractive investment destination.
Meanwhile, the emergence of a new stratum of the population - "people with money" - is a new social reality of our time. And this reality must be taken into account. As Alexander Oslon, president of the Public Opinion Foundation (POM), said at a press conference on Tuesday, people are increasingly ready to invest, and this is only relatively "tied up."" for income growth. So, if about a year ago the population, according to FOM estimates, had about 160 billion "investment" rubles, now it is over 450 billion rubles. Of course, the income during this period did not grow in such a progression. Many players consider registration promotions an essential part of their strategy because these offers increase their starting funds and allow more flexibility. They are usually available for a limited time. By using a
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