MOSCOW, April 4 – RIA Novosti. The financial airbag is an important part of family and personal budgeting. On average, the size of the reserve can be 100 thousand rubles. It is better not to transfer this amount into other currencies, but to keep it in rubles, Anastasia Tarasova, head of the investment department of inv.lu, told the Prime agency.
“An airbag is created in case a person for any reason loses a source of income. These savings are also needed for unforeseen events – both negative (illness, repair work, breakdown of large equipment) and positive (spending on gifts, large-scale unpaid to the budget, but important purchases) “, the financier reflects.
According to her, you can keep your savings in a savings account with a bank or using debit cards with interest on the balance. But there is no need to stop there. With a constant “airbag”, you can consider long-term ways of protecting and multiplying money.
“These funds are best kept in smaller quantities in stocks and in larger quantities in bonds. These are OFZs or bonds of reliable companies (for example, Gazprom, Rosneft, VTB),” Tarasova recommends and suggests taking a closer look at ETFs.