‘At this troubled moment, a bank deposit is the most suitable way of investing one’s money for no longer than a year. It is the only widely available instrument that guarantees you both the income and all of your money back. The deposits have a certain fixed interest; what is more, they are insured by the state, which is a very weighty advantage,’ says Rus-Bank-Ural’s Head of Treasury Grigory Stepanov.

‘As far as short-term investment is concerned, virtually nothing can beat a bank deposit’s risk/profitability ratio. Unless you engage in stock gambling, everything else either takes much longer (stocks, for instance) or is not liquid enough for a short-term investment instrument (like real estate).

As for investing in housing estate, the housing price growth is not a very certain thing and will largely depend on the amount of mortgage-generated money circulating on the market. There is less money on the market at the moment, so the demand has gone down a bit while the supply is still plentiful due to a great number of construction projects implemented in the region,’ Stepanov notes.