Russians started spending money more frequently 13:31

The proportion of Russians who prefer to spend their money instead of saving it in the long term is 59 percent. This was known at the presentation of the results of the third wave of the Russians’ Savings and Investment Activities Index (ISIAR) study. Its purpose is to constantly determine the current level of participation of Russians in the field of savings and investment, as well as to evaluate the development prospects of the investment activities of the population.

Moreover, one in four people surveyed during the study believe that it is easier to take out a loan to buy necessary things or achieve new goals than to save for them on their own.

“This approach, linked to the desire to spend money rather than save it, is typical of financial fatalists, which indicates a lack of knowledge and experience to properly manage their money,” commented PSB Senior Vice President of External Relations. Vera Podguzova.

During the presentation, he also stated that 66 percent of Russians prefer ruble investments; These mostly consist of women or the population over the age of 60. Another 27% choose the US dollar – men aged 18 to 43, highly educated and high-income, 25% prefer the euro – as a rule, these are young people aged 18-34. Additionally, 11% prefer RMB and 5% prefer Dirham.

When it comes to barriers to investment, ISIAR research found that one in three people lack information, one in two people lack financial resources and one in four people fear losing their money. Additionally, 19% of Russians are afraid of scammers. At the same time, myths about investing remain strong in society. For example, the majority of respondents believe that this requires too much money, but the study showed positive dynamics in the correct assessment of the initial amount of investment.

“Despite the fact that the majority of pollsters mistakenly believe that several hundred thousand rubles are needed to start investing, we see a positive trend among those who correctly assess the real size of the initial investment, which in fact does not exceed 25 thousand rubles. thousand. Thus, within six months their share increased by 5 percentage points to 48%,” said Vera Podguzova. There is also a common misconception among legends that investing requires special training; 56% think so, while 48% think it takes a lot of time.

He also pointed out that 40 percent of Russians have their own savings, while one third prefer to just save without earning income. “In this share of the population lies the potential for growth in investment along with a change in attitudes and a certain level of confidence. “This is now the part of the population that is ready to invest with the funds they have,” he explained.

NAFI Analytical Center General Manager Guzelia Imaeva stated that investors in general have a more balanced approach to the use of financial instruments and most of them follow a conservative strategy. Only 10% can be called “aggressive” investors, and more often men take this approach.

What are you thinking?

Source: Gazeta


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