Russians are pledging allegiance to the ruble

The Russians had lost faith in the dollar and the euro and the increasing preference rubles. 80% of those who have savings, store them exclusively in the national currency. And by itself the number of citizens set aside some of their income continues to grow steadily. According to the research of holding "Romir", now numbering 75%, and the maximum value for the last 20 years. Prior to 2005, more than half of the studies conducted by "Romir," claimed that their families do not do and do not have significant savings. In the years 2006 — 2008. this figure dropped to 40%. In 2009 — 2010 years. he again rose to nearly 50%, and then began to decline steadily. Last year, less than 30% of respondents said that there is no savings in their homes. And in 2013, the only one of four participants (25%) said that in his family savings are made.

 

This clearly reflects the dynamics of the economic situation in Russia in the first decade of this century. Its beginning almost coincided with the beginning of the "fat years" and for a while the people who for the first time in many years, began to receive more or less decent wages, spend all you earn to meet the needs of the backlog — buy home appliances, cars, apartments (who at that lacked ). And only having equipped himself a comfortable life by the middle of the period, were gradually set aside surplus funds. Then came the crisis, went layoffs and pay cuts, and part of the deferred someone had to spend money on patching up in a financial hole. After the first shock came the relative stabilization, however, the Russians used to the new economic conditions, have revised their consumer strategy and again slowly began to make savings, and is much more consciously and purposefully.

However, the researchers their vision. They attribute the trend to an increase in savings, on the one hand, the objective improvement of the economic situation in the country, especially with the growth of nominal income in groups with medium and low levels of disposable income. On the other hand — the psychological reasons, "cry the blues," complaining about the difficult material conditions was not so fashionable and accepted as it was three — ten years ago.

It is noteworthy that while in the West the proportion of households with savings, markedly increases with the age of the respondents, in Russia such a clear correlation is observed. Conversely, the proportion of families with no savings, in the oldest age group (60 years) is 28%, whereas in the younger (under 25 years) — only 19%. In the group of 25 — 34 years, the share is 30%, and the representatives of the age group 35 — 59 years 23 — 24%.

Also quite weakly correlated with the presence of savings income. However, we can not forget the fact that the representatives of the different income groups have different understandings of what a savings. As the saying goes, someone soup liquid, and someone seed pearl. For one thousand and 50 — solid accumulation, for another it is only the size of the monthly salary, and for the third and all "per diem". In 2012, "Romir" has already spent so the issue and found out that different social groups an idea of the minimum amount that can be called savings differ by more than half. And a lack of savings in families with high levels of per capita income can be attributed to the recently advanced a major purchase: real estate, repairs, car, etc.

More than a third of Russians are sincerely convinced that cash ruble is the most reliable way to store savings. During the year, the share of such patriots climbed by 20%. According to researchers, the positive role played here the stability of the national currency against the U.S. dollar over the age of 12. Minor deviations from the level of 30 rubles. $ 1 shall not be considered as they do not exceed the normal vibrations, typical for couples and the dollar / euro, the yen / dollar.

Equally strong commitment to ruble savings exhibited by representatives of different age groups, residents of different types of communities, all federal districts. Only among the wealthiest members of polls proportion of those who keep their savings in rubles is relatively low — 49%. But rather, it is not due to skepticism regarding the national currency, but with a wider range of opportunities to diversify savings.

The once popular enough portfolio, "Ruble + dollar" by March 2013 retained only 5% of the supporters. The "balanced portfolio" consisting of rubles, dollars and euros, selected 3% of the participants (including 8% — among people with high levels of per capita income, and 10% among residents of cities with a population of over a million people). Rubles and euro 2% of respondents chose, only the euro — 2% (last year the figure was less than 1%), only dollars — 1%.

On the issue of reliability of various methods of savings leads cash — 37% of Russians kept "under the pillow" rubles, 19% — currency. Another 18% of respondents prefer deposits in Russian banks. Deposits in foreign banks inspire confidence, only 4% of respondents. It is noteworthy that this figure declined in seven years by almost half. And recent events in Cyprus showed that intuition Russians have developed very well.

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