Bank customers choose complex savings strategies / News of the Society of Krasnoyarsk and Krasnoyarsk Territory / Newslab.ru

Since the beginning of the year, the number of customers with simultaneously deposit and investment product in their portfolio has grown by almost 1.5 times and exceeded half a million people. The growing demand for comprehensive financial decisions indicates the strengthening of the trend for a more balanced and sustainable financial strategy. This was stated by a member of the Board of VTB Dmitry Breetenbicher as part of the VEF.

In the VTB, the share of customers who simultaneously have both a contribution and an investment product is 16% in the total base of depositors, they account for 38% of the total portfolio of ruble deposits of the bank.

Traditionally, investment products are in high demand in a wealthy segment. Part of the cash from closing deposits, customers with high income are placed in securities and other investment assets. For example, in June, a rewind of money from ruble contributions to brokerage accounts of a wealthy segment amounted to more than 21 billion rubles, in July – about 17 billion.

“For wealthy customers, the time has come for a bond Renaissance due to a decrease in deposits and ambiguous conditions in the shares market. Retail investors are gradually starting to look towards investment strategies that can provide a higher profitability on a long horizon. Nevertheless, the contribution remains a reliable and understandable tool, the profitability of which at a short distance overtakes inflation at times. The combination of a deposit and investment strategies can become a balanced strategy for maintaining and increasing funds, ”commented Dmitry Breetenbicher.

According to Mosbirzhi, in July 2025, individuals invested 232.4 billion rubles in securities. This is almost twice as much as in July last year. Most of the investments occurred precisely for bonds – 206.8 billion rubles (growth of 3.2 times a year by the year).