Banker: The bulk of savings are best kept in grivna, a quarter - in gold, and the rest - in dollars

Dean Tkachenko, Deputy Chairman of the Board Tavrika ", believes that an individual basket of currencies by 50-60% should consist of the hryvnia funds at 20-25% - of gold bullion and the rest - in the foreign currency that the investor chooses. "If the choice is between the dollar and euro, for the next year I would have advised to give preference to the dollar, especially those planning to purchase real estate. (As a rule, people collect money to buy real estate in the U.S..) When it comes to term savings of two to five years, the best and most reliable asset than gold, no. The accommodation, medication and other household expenses is better to keep savings in UAH, as in any bank interest rate for the hryvnia deposit close to the level of inflation. " The banker says: "In Ukraine, the gold market is fairly narrow and serves primarily the function save money. In our bank selling of gold is popular enough, and we offer deposits in gold as for physical and legal persons. Annual interest rate for gold - from 3,5% in the period a year with a minimum amount of the contribution bar from 50 grams. The cost of gold nuggets in 50 grams is about 17,900 USD. at a cost of one gram of gold 358 UAH. to date. " Last year, the gold, like silver, has risen in price by more than 30% per annum, and the positive trend, according to analysts' forecasts of the world, will continue throughout 2011. If in October 2010 in the same gold bullion worth 347 USD. per gram, but now only four months, an increase of 11 UAH. per gram. Therefore, the annual interest rate and the growth of a gram of gold prices combine to give a good income. It is simple and straightforward arithmetic, so our customers often opt for gold, because it is a very profitable investment is long term - for the children and grandchildren. The frequency of revision of the currency basket depends on its size. If we are talking about 5 million grn., The investor begins to feel a natural concern about the safety of their funds or are thinking about them multiplying. In this case the basket is reviewed at least once every two years. It is important to understand the purposes for which funds are accumulated. If the depositor has emerged plans related to the purchase of real estate, the basket should be reviewed upwards of a dollar. Estimated proportion of the currency basket worth 5 million USD. may consist of 3-4 million in UAH per 1 mln. - In gold and 1 million USD. - In dollars. Based on the experience of working with clients, DV Tkachenko said that the category of investors who prefer to accumulate money, are people after 50 years. For example, in the bank "Tavrika such - about 50-60%. But it should be noted that recently there is a tendency to accumulate funds and among 25-35-year-old customers who previously were more inclined to spend money. Now they make out time deposits, replenish deposit accounts, and give preference to deposits in the hryvnia, which gives them about 18% annual growth. "For retirees who also prefer savings deposits, we have developed a special product with the highest rate, but to open it required proof of retirement status of the client", - says Dmitry Tkachenko.