QUESTION: Как безопасно хранить крупную сумму перед покупкой жилья/авто?

When it comes to storing a large amount of money that will soon be required to purchase real estate or a car, absolute safety and preservation of capital come to the fore. In such conditions, it is fundamentally important to abandon the pursuit of high profitability, as it is always associated with market risks.

As the main tools for preserving funds on a short planning horizon, classic bank deposits with the possibility of replenishment and withdrawal, as well as reliable savings accounts, are best suited. These instruments guarantee the return of funds and protect them from inflationary losses within reasonable limits.

An additional reliable option can be short-term government securities with a fixed yield. They have high liquidity and allow you to fix the interest rate for the required period before making a major transaction.

It is strictly not recommended to use risky investment instruments, such as stocks or cryptocurrency, if less than one to three years remain before the purchase. In case of unfavorable market conditions, the value of assets may temporarily fall, which will disrupt your plans to acquire long-awaited housing or a car.