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The simplest and most reliable way of keepingmoney is a bank deposit. However, this type of investment is low-yield, because the interest on the deposit does not cover the rate of inflation. Despite this, keeping money in a bank is much more reliable than under a mattress. An undeniable advantage of a deposit is a state guarantee, simplicity, accessibility and low entry threshold. Therefore, many people prefer this method of investing. You can save money in a bank in rubles, dollars or euros. The economic situation in the world is very unstable, so what currency is more difficult to say is difficult. Interest on ruble deposits is higher, compared to other currencies. However, there is no guarantee that the ruble will retain its positions and not become cheaper. It is better to keep the money in the currency in which you will spend. This will help to avoid losses in the exchange of funds from one currency to another. To preserve and protect personal savings from inflation, you can divide money into three parts. For example, 50% of your own money is stored in rubles and 25% in dollars and euros. With a reduction in the rate of one and the rise of another currency, there will be a loss compensation. Interest on deposits will bring a small profit. Such a method will avoid default or crisis. It is very profitable and reliable to keep money in different currencies. In addition to the usual ruble and dollar deposits, banks offer a multi-currency deposit. All your money will be stored on one deposit, but in different currencies and in certain proportions. The advantage of such a contribution is the ability, without restrictions, to exchange one currency in another at any time you wish. At the same time, the difference between the purchase rate and the selling rate is lower than when exchanging the usual method in the bank. You can put money in not only money notes, but also in precious metals - gold, platinum, palladium, silver. Banks offer to invest in OMC (depersonalized metal accounts). To make a contribution to the compulsory medical insurance, you need to go to the bank and buy the number of grams of metal you need. On your account will be credited not rubles, and grams of metal. Invest in precious metals is recommended for a period of at least one year. PIF - unit investment funds allow you to invest money in stocks and bonds. The income is higher than that of bank deposits. A low entry threshold makes Mutual Funds accessible to any person. To buy shares and bonds do not need special knowledge. The investment company is engaged in investment management. You only need to choose in which investment fund to invest money. You can also deposit money in securities yourself. The value of securities in the stock market changes every minute. The investor can choose independently, where and when to buy those or other shares and bonds. Trading in the stock market can enrich the investor, and may even go bankrupt in one day. Therefore, in order not to lose all money, it is necessary to have the appropriate education, skills and experience. The most reliable and promising investment of accumulated funds is real estate. There is always a demand for housing. Buying an apartment it can be rented and receive income. In a few years you can resell twice as much. Keep money on the bank deposit only if you are going to buy something. Therefore, all free money should be invested in real estate. Let it be an inexpensive garage or a piece of land. As soon as you save up more money, buy a room in the hostel, then an apartment and so on. Remember that under all circumstances, real estate will be valued dearly. When the financial crisis comes around, do not try to return all your money back. You can lose some of the accumulated funds. Think and calculate the possible risks. During a crisis, it is very profitable to invest money. The most important thing is to diversify your investments, use different financial instruments. The right investments reduce the likelihood of losing all money and bring a high income.