Are bank deposits the best choice in the summer of 2025?
In the summer of 2025, interest rates on bank deposits, especially for short terms, remain at record-high levels. With the key rate of the Bank of Russia at 20%, effective from June 9, 2025, and high inflation (above 9% annually), 3-4 month deposits have become one of the most reliable and profitable tools for capital preservation.
Why are deposits the best choice for the short term?
1. Record-high rates with minimal risks
Average rates on 3-month deposits in the top 20 banks reach 17-18% per annum. At the same time, deposits up to 1.4 million rubles are insured by the Deposit Insurance Agency, offering returns higher than inflation (unlike many other instruments). This is a reliable instrument, and there is no need to understand the intricacies of the stock market.
2. Short terms = flexibility + protection from rate changes
In an environment of instability in the key rate (the Bank of Russia lowered it to 20% in June but maintained a strict rhetoric), 3-4 month deposits allow for quick response to changes in market conditions. Unlike stocks or bonds, term deposits have predictable returns. When opening a deposit, a high yield is secured before potential further rate reductions.
In the summer of 2025, 3-4 month deposits offer maximum return with minimal effort.
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Are bank deposits the best choice in the summer of 2025?
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