The most popular investment instruments for Russian citizens are savings accounts in banks, foreign
currency, real estate, life insurance and cryptocurrencies, according to a study by the World Gold
“Top 5 most popular investment products in Russia: savings accounts, foreign currency, real estate, life
insurance and cryptocurrencies”, the experts found out.
In addition, according to their data, men and women have different attitudes towards investing, but the
main difference lies in their attitude to risk. Thus, men prefer a short-term approach and are more
aggressive in making investment decisions; many consider investing as a hobby (46%).
Women tend to take a less risky approach and seek stability: 78% of respondents reported that they
invested in savings accounts in the past year, and less than a quarter (24%) of female investors use
fluctuations in the financial markets as an investment opportunity.
At the same time, investment portfolios in Russia are relatively less diversified: the average number of
products in it is 2.7 versus 3.4 for investors in the rest of the world, the WGC notes. And gold, in
particular, is the sixth most popular investment asset among Russian investors.
At the same time, 79% of them are considering investing in gold in the future, and 57% admit this
possibility, despite the fact that they have never invested in gold before. However, despite the existing
interest, only 16% of those surveyed said that they currently own it. Young investors aged 25-34 are
most interested in gold: 17% of them reported that they invested in the past year, and 27% said they
would definitely invest in gold in the future.