a third of Siberians will save on deposits in the next 3–5 years / Society news of Krasnoyarsk and the Krasnoyarsk Territory / Newslab.Ru
8 April 16:22
Despite the sustained easing of monetary policy, deposits will retain their status as the main savings instrument for a significant part of the population. According to a survey* by VTB, a third of Siberians still believe that it will be more profitable to save on deposits in the next 3-5 years.
In the country as a whole, deposits still dominate the structure of savings: 31% of Russians keep funds only in deposits, another third have invested less than 25% of their savings. Among residents of the Siberian Federal District, 30% have only deposits, 39% are trying their hand at investing. Only 5% of surveyed Russians actively invest more than half of their savings in investments (in Siberia – 4%).
At the same time, 47% of Siberians are interested in shares of Russian companies in the hope of capital growth, 33% in bonds, 20% in mutual funds and trust management, 16% in individual investment accounts.
The lower the deposit rate falls, the greater the interest of retail investors in alternative instruments. On this issue, the opinion of Siberians coincides with the all-Russian one. With a return on deposits of 13%, 14% of respondents are thinking about switching. With a decrease to 10–12%, another quarter is added to them, and at rates of 7–9%, already a third of Russians will begin to look for ways to increase their capital. Only 12% will not change their savings strategy under any circumstances.
The main criterion for choosing investment products for most Russians is reliability and guarantee of safety of funds. For 19%, simplicity is important, for another 19% – liquidity (for Siberians – 21% and 20%, respectively). For 17%, the main motive is the potential for income exceeding the deposit.
The main advantage of investments for 46% of survey participants is the possibility of monthly coupon income (52% in the country as a whole), for 26% – protection against inflation, for 15% – tax benefits.
40% of Siberians are ready to open an investment account right now if the bank offers a simple ready-made portfolio. 27% will be prompted by the experience of friends who earn more than their deposit. And only 8% will respond to advertising with a guarantee of capital protection.
*The survey was conducted in March 2026 among 1,500 adult residents of Russian cities with a population of 100 thousand or more.
