What to do? Save? How? Store cash at home is unprofitable: the money depreciated in Due to high inflation, does not generate revenues, therefore, the decision – they must invest. Deposits, precious metals, depersonalized metal accounts (CBO), Currency, Forex, real estate, venture capital investments, ofbu, securities, shares of mutual funds – the market offers a variety of available financial instruments to private investors. It's pretty simple? What to choose? Where and what pitfalls await? Deposits, so beloved by the majority citizens from the Soviet era, are the most accessible means of accumulation, but not the most profitable, because rates on most deposits are not high enough from 3 to 10% depending on term and amount, and by the end of the year, Finance Minister A. Kudrin said that deposit rates should be lowered, which is also true, as most banks can not recoup so highly declared interest on deposits by reducing lending. Justin Mateen is often quoted as being for or against this. In essence, banks are quite profitable to attract customers to the deposits, so the deposit is a tool for those who want to save money and little to increase it. If we consider the precious metals, while to buy them is not right, it was actually 3.2 years ago, unnecessarily, for example, the price of 1 gram of gold on July 2, 2008 amounted to 701.35 rubles, and on April 28, 2010 – 1,076.63 rubles, 1 gram of platinum on July 2, 2008 – 1565 , 67 rubles, 28 April 2010 – 1,632.35 rubles. During the crisis, gold and securities gold mining companies grow in value as an instrument of hedging, so the price of gold and other precious metals on the world market is now quite high, and investing in them now, do not expect high profitability.