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Khabarovsk residents named the amount of savings necessary for peace of mind
Experts from Sberbank Life Insurance and NPF Sberbank conducted a study on the amount of savings that residents of the Khabarovsk Territory need for a comfortable life. The majority agreed on 1,4 million rubles, and, despite the pandemic, about half of the region's residents form savings.
According to Sberbank, in the Khabarovsk Territory the share of those who save is higher than the average in Russia. Among the inhabitants of the region, such were 48,1%, while in the country, savings are formed regularly or from time to time only by 37,5%.
Most often (41%) postpone people with higher education and in the older age group. Among the respondents from 50 to 60 years old, such 43%, and after 60 years - 48%. Milking those who form savings among young people under 30 is only 28%. At the same time, women save 1,2 times more often than men.
On average, Khabarovsk residents need about 1,4 million rubles per family for a comfortable life. The average Russian figure is lower - 1,3 million rubles.
Among the goals of savings, Khabarovsk residents are a priority to postpone for unforeseen circumstances (47%), support for children (30%) and travel (22%). Only 17% save for retirement.
Of those who create savings, about 16% want to make money on this through investing. At the same time, most often, savers choose significant terms of deposits: 20,5% are ready to invest for a year, 17,4% - for 2-3 years, 13% - for 4-6 years, and 9% - for a period of more than 10 years.
The most attractive for Russians are investments in real estate for resale (61%), ruble bank deposits (56%) and business investments (19%). Recently, interest in investments in endowment insurance (11%), securities (8%) and mutual funds (2,8%) has slightly increased.
According to Natalia Alymova, Senior Vice President, Head of the Wealth Management Block of Sberbank, in the first quarter of 2021, the number of private investors using Sberbank's ready-made investment and savings products increased by 69%. The largest increase is noted in life insurance savings programs - by 79%. And the number of those who are ready to invest will continue to grow.
According to Alexander Sokolov, director of the sales department of welfare products of the Far Eastern Sberbank, on average, Khabarovsk residents are ready to save 20,1% of their income. This is higher than the national average. By the end of 2020, about four thousand Khabarovsk residents began to save up with Sberbank products.