Where to Keep Your Money: Three Paths to Financial Peace

Without competent money distribution and management, even a large sum will quickly turn into useless paper. The question of asset storage becomes particularly acute in conditions of uncertainty and fluctuating inflation. According to the forecasts of the Central Bank of Russia, its indicators in 2025 will reach 4-5%.

The stability of the financial system and confidence in the future depend on where people store their savings. It can be a bank card, an account, or cash in a safe. The right choice helps protect funds and avoid losses. The approach to choosing should be conscious, based on real data and an understanding of risks. In this article, we will tell you where it is best to store money.

Bank card – benefits and pitfalls

Storing money on a card has long become the norm for most Russians thanks to the convenience of digital technologies. In 2025, the largest banks, such as Sberbank and Tinkoff, offer debit cards with cashback up to 5-10%. This makes them a convenient way to store money. However, digital wallets have serious risks that are important to consider when choosing.

In March 2025, scammers created a fake mobile application of one of the large Russian banks. With its help, they stole over 15 million rubles from clients’ cards. The investigation showed that the majority of the victims made gross security mistakes, ignoring basic recommendations from specialists.

Storing money on a card: professional advice

The digital security of bank cards requires constant attention and compliance with recommendations:

1. Regular password and PIN code updates. Analysts in the financial security field claim that regularly changing passwords helps protect personal data. If updated every 3-6 months, the risk of hacking decreases by 70%.
2. Using virtual debit cards for online purchases. According to bank reports for 2025, a virtual card helps protect the main account from fraudsters. It prevents up to 95% of fraud cases in online payments.
3. Setting limits on daily operations. Banks recommend setting a daily limit within 30-50 thousand rubles. This helps minimize damage even in case of data leakage. Enabling notifications for all transactions.
4. Timely notification helps quickly detect fraudulent transactions. It allows you to identify an attempt of unauthorized debiting within a few minutes, simplifying the refund process.

By following these tips, bank clients reduce the risk of losses when storing money on a card. It also helps increase the overall level of financial security.

How to minimize risks and increase profit when storing funds on a card

In 2025, deposits remain the most popular way to store money. They help protect funds from inflation and generate additional income. The main advantage becomes the state deposit insurance up to 1.4 million rubles. Banks offer savings accounts with an interest rate of 6% to 7.5% per annum. This is higher than the predicted inflation, which is 4-5% according to the Central Bank’s data. If you invest 500 thousand rubles at 6% per annum, you can get 36 thousand rubles in a year. This income helps offset inflation losses.

A savings deposit is a rational choice. For example, a bank client placed 700 thousand rubles in a bank account at the beginning of 2025 at 6% per annum. After 12 months, the savings increased by 42 thousand rubles. This allowed to preserve and multiply the capital, considering the predicted inflation level.

Cash storage – the myth of safety under the mattress

If you ask Russians where to store money, many will mention the good old mattress. In Russia, many continue to keep cash, despite high risks. According to the Ministry of Internal Affairs, in 2025, more than 7000 residential burglaries were registered, during which people lost large sums. In one region, criminals stole 1.2 million rubles from a home safe. The owner relied on the reliability of cash, but they became an easy prey for robbers.

Risks of storing money in cash:

• high risk of theft and loss of funds;
• possibility of damage in case of fire or natural disaster;
• constant devaluation of cash due to inflation (4% forecast for 2025).

Bank deposit vs. home safe: what to choose

The choice between an account and a safe is always difficult. A bank deposit guarantees protection through insurance and provides the opportunity to have a regular income. A reliable home safe costs around 100 thousand rubles, plus maintenance costs. But even it cannot fully protect money from inflation and theft. When comparing, it becomes obvious that a bank deposit provides greater security and convenience of use.

Advantages of a bank account

Savings deposits have obvious advantages over keeping cash in a home safe.

• Firstly, the bank provides deposit insurance up to 1.4 million rubles, guaranteed by the state. This reduces the risk of money loss practically to zero even in case of bank bankruptcy;
• Secondly, the deposit allows you to receive regular passive income. In 2025, interest rates on savings deposits range from 6% to 7.5% per annum. This significantly covers the predicted inflation by the Central Bank (around 4-5%);
• Thirdly, money on a bank deposit is protected from physical loss and devaluation by inflation. Unlike cash stored at home, funds in the account multiply. This provides additional income without effort on the part of the owner.

A bank deposit is the optimal solution for those who value reliability and want to protect their savings from losses.

So where to store money: smart distribution

Financial planning is a key element in choosing a way to store money. Proper diversification and risk distribution help reduce the likelihood of financial losses and increase stability. Financial consultants recommend distributing savings as follows: 60% on a bank deposit, 30% on cards, and 10% in cash.