Where to Safely Keep Money in Russia in 2026?

[00:03] I would keep my money. This is , of course, connected with blocking, limits and other risks, which I will discuss later. In essence, your savings are not really yours today. And God forbid,

[00:16] if you write something inappropriate on the internet, like the wrong video, or simply transfer money to someone else, expect to be blocked. And while you're dealing with your block, your money will be eaten up by

[00:30] inflation. Today, Russians have several proven actually work. Let's figure out together how to save and protect your money. You are on Artem Zvyazdin's channel. Let's go. Few people

[00:44] think about it, but the money in the bank is not legally entirely yours. The account does not contain cash; it is not just some kind of safe, as many people imagine. This is the bank's commitment to you to give you this money at some time in the

[01:00] future. And if something goes wrong with the bank , you will be the last one among the creditors. Russians have somewhat forgotten, but in the nineties, banks were collapsing one after another, and no one has yet been held accountable for it

[01:15] . You and I were children, and so this passed us by. But each of you probably remembers the commercials on Imperial Bank TV. And there were a huge number of such imperial banks . We just didn't know about them, and

[01:30] people lost their money. Currently, your deposits are insured up to 1,400,000, but you will only be able to receive insurance if the state remains in its current form. But I'm worried about something a little

[01:45] different. It's not even about the bank going bust, but all sorts of failures, inspections, document requests, freezing of transactions - this has already become so commonplace that it somehow escapes our attention. You may not have

[01:59] violated anything, but you can still be deprived of access to your money for a day, a week, or sometimes even longer. I think each of you has experienced trying to transfer money and not being able to do so because the bank has frozen your transfer for

[02:13] 24 hours on suspicion of fraud. Because then we can say that this is my money in the account, if I cannot manage this account, I cannot transfer my own money anywhere. An important factor, of course, is

[02:27] inflation. Even if the bank promises you attractive interest rates, your actual purchasing power falls much faster. And what you earned with blood and sweat, what you toiled for years to achieve, is simply fading away before your

[02:42] eyes. Moreover, this happens completely unnoticed. Of course, it's unpleasant. We won't dwell on inflation for long. I think each of you has already felt the government's lie about striving for 4% per annum. This is, on the one hand, from, so to speak,

[02:56] television and propaganda. On the other hand, prices have almost doubled over the past 3 years. And over the last 20 years they have literally increased tenfold. The conclusion here is very simple. A bank is a place for transactions, that is, for

[03:11] convenience, for the banal movement of money, but not a place to store my capital, especially if you have something to store. Let's remember the quote by Robert Frost. He said: "A bank is a place where they lend you an umbrella when it's clear and

[03:27] then ask you to return it when it starts raining." And it's reasonable that many of you will say, "Well, what should we do then? Should we not use banks there at all? What other options are there?" In fact, there is a way out, and

[03:39] now I will offer you several reasonable solutions that are relevant for the market in 2026. I won't exaggerate and I 'll avoid sharp corners. You all understand perfectly well, we all understand everything perfectly well, we’re just [ __ ]

[03:52] weaklings and can’t say it. But gold. It's just old school. While enthusiasts and X-lovers are investing

[04:04] in Bitcoin, which has fallen in price by 10% over the past twenty-five years. Gold investors have earned more than 50% in the twenty-fifth year. And no matter what happens, they will no longer go into the negative and will hold on to a real, tangible asset that the

[04:21] planet itself gave them. The things I like about gold are, firstly, that gold is completely outside the system. He doesn’t care who is in power, what sanctions there are, what new rules someone comes up with. Physical gold is not locked with a button and is stored in your

[04:37] home. Even if you are recognized as an innogent, you will have a gold bar that you can eat, and no one will be able to take it from you. Gold does not disappear due to server failures, manipulations, or hackers. It will be

[04:51] very difficult to remove and block. Having gold is not only insurance, but also a tool for earning money. And as we see in the twenty-fifth year, there is a pretty decent income. Of course, not everything is so cool. Gold also has its downsides. Firstly, it does not

[05:05] provide excess income. The twenty-fifth year is more out of sync than completely normal. Gold can remain valuable for years. Plus, besides this, it needs to be stored properly. Well, we only buy physical gold, that’s

[05:18] clear. Coins or bars of small weight. Of course, we keep our gold at home, and preferably away from our wives. I'm not joking now, and this is not a joke. Only you should know about the location of your gold assets . Otherwise, there is a high

[05:32] probability that your wife, due to a change in mood, will decide to leave you along with your money, or your drug-addicted son will decide to take a little for a fix. In general, there are physical object that can be sold. Here, I think, you know without me

[05:47] where to hide your assets. You can also use safe deposit boxes, but if, for example, you are recognized as a terrorist or extremist because of some comment on a social network, don’t think that this will not affect you. We do

[06:01] n't know what will happen next. I'm not entirely sure you'll be able to access your safe deposit box. I hope this is clear. The next option is, of course, cold wallets. If you are a modern person and want to

[06:13] use digital assets, there is a kind of gold reserve for you. I'm talking now about cryptocurrency, how it works. Cryptocurrency is a digital code that has value. We are not going to

[06:27] talk to you about any blockchain or anything like that now. I'll give you a very simple analogy so you understand. Imagine there is a password-protected archive with files from the Pentagon. These files, of course, cost money, and quite a lot of it, but

[06:41] this archive is not located on your computer, but on a network of other computers. That is, every computer has access to this archive, but this archive is password protected, and only you know the password. So , this password is usually stored on the

[06:56] cryptocurrency exchange and often on a promise of honor . That is, there is some entrepreneur who created a cryptocurrency exchange, and all the passwords for all the wallets are located there. Despite the apparent absurdity, this has its

[07:10] advantages, because on the one hand, it will be convenient for you to quickly pay anyone for anything with cryptocurrency, but there is a risk of hacking and fraud. Cryptocurrency exchanges have been hacked and breached more than once. To prevent this from happening

[07:24] , they invented the cold wallet. A cold wallet is a physical medium, and it is slightly larger in size than a flash drive. And you can place there the money equal to the entire budget of Liberia and even more. Your access codes are inside this

[07:38] wallet. It protects your money from hackers and intruders. Neither exchanges nor services have any access to it , and it is impossible to hack it remotely . If you lose this flash drive for some reason, you can always

[07:53] restore it, because this flash drive also comes with a twelve-word password. This is also called sitphrase. The advantage is that you are your own bank and there are no intermediaries. Nobody will freeze your money. There are no limits on the withdrawal of

[08:08] any regulatory transactions. Essentially, it's your personal bank where you can store your cryptocurrency and use it whenever you want. There is also a downside. The responsibility will be entirely yours. If you

[08:20] forget your Sit Phrase, that is, your access keys, you will never be able to get your money back. There are also risks associated with using the cryptocurrency itself. If, for example, you made a mistake with the transfer, mixed up one digit, then

[08:33] no one can cancel the transaction. Therefore, you need to be extremely careful when working with cryptocurrency. You also need to understand that if you store, for example, stapcons there, these are coins that are equivalent to a dollar or, for example, an ounce of gold.

[08:48] They have low volatility, that is, a small amplitude of movement. But if you hold your asset, for example, in Bitcoin or other cryptocurrencies, there is a lot of volatility. At the time of writing today, for example, Bitcoin had fallen by 8%.

[09:02] Few of us would like to see our account drop by 8% in a day. Therefore, there is only one recommendation:

[09:14] exclusively in stablecoins. The fourth option we have left in Russia is cash in different currencies. Another old and, in my opinion, the most underrated tool is banal cash, but not in rubles, of course, but

[09:28] in foreign currency. Moreover, not in one currency, but in several at once. Dollar, euro and yuan. Of course, you shouldn't keep all your money in cash . You are not some kind of mafioso or a Stavropol traffic cop with a golden toilet. But cash is liquidity,

[09:44] it is the ability to quickly turn over money. And in our time this is really important. This is direct access. Especially when, for example, cards don’t work, banks freeze withdrawals, or the internet doesn’t work . And if the internet doesn't work,

[09:58] pay with cryptocurrency. Therefore, cash is a good option. The advantages here are, of course, obvious. This means maximum control and work without intermediaries. And due to the fact that we will buy different currencies in equal proportions, this will provide us with

[10:12] insurance against imbalances and political turmoil. When one currency falls, another rises. So it was, so it is. And it will always be so. Of course, there are also downsides . This is inflation, but in foreign currency it is not as noticeable as in rubles. However,

[10:29] it exists and compound interest works over the years . Of course, it is impossible not to take inflation into account . I do not recommend keeping all your money in one place and keeping it in only one currency. Cash is like a small reserve and freedom of maneuver, but,

[10:43] sure to remember this. Please like and subscribe to the channel. If by now you have understood the value of this video, if the advice I have given has been useful to you. Now let's look at methods for those

[10:57] who have very large capital. Here you will need to not only save and protect them from inflation, but also earn good interest. You probably immediately thought of real estate. According to realtors and agencies, the price increase in the twenty-fifth year

[11:11] was a record-breaking one. The average price per square meter in old Moscow has increased by approximately 29% over the past year, and in various years, in the recent period, the growth has reached 15-20% and higher, well, depending on the

[11:27] market segment. There are estimates that over the past few years, the cost per square meter in the capital has doubled, according to various sources. This means that the rise in property prices has far exceeded inflation and the purchasing

[11:42] power of money. Housing prices rose much faster than the prices of goods and services in general. To put it simply, if your money was in the bank and its purchasing power increased only by the inflation rate, let's take the official

[11:57] inflation rate of 5-6%. Real estate grew threefold, fivefold or more. Therefore, real estate has been and remains one of the most reliable ways to save your money and protect it from inflation. But this option is affordable for only a

[12:12] few. What should those do who, well, only have a million, two or three? Here you can consider real estate mutual funds. The idea is very simple: a management company buys real estate and then issues

[12:27] shares, which you can buy on the stock exchange or directly from the management company. The property is rented out, and you either receive your percentage based on the share you bought, or the fund itself reinvests this money and buys

[12:41] new properties, which increases in value. Through mutual funds, you can invest not just in apartments, but also in commercial real estate, warehouses, warehouses for marketplaces, offices, shopping centers, and so on. The average

[12:55] return on mutual funds over the past year was in the region of 20-23%. depending on what kind of beer it is.

[13:10] Pants." Scan this QR code and check it out. So, let's sum it up . Banks are very convenient for transactions, but not for storing personal capital. Gold and cash provide stability and control, while a cold

[13:26] wallet provides security and independence. Real estate and investing in mutual funds allow you to preserve and increase your wealth. The main rule is, of course, diversification and understanding what

[13:39] you are doing. Don't put all your eggs in one basket and don't keep all your assets and savings in one place. Choose what really works and act wisely. Protected money means peace of mind, freedom and your future.

[13:54] Thank you for your attention. Earn happily.