The project of the Russian Ministry of Finance’s Research Institute of Financial Research “Moifinansy.rf” together with
the media holding Rambler&Co conducted a study of the financial behavior of Russians as part of the All-Russian
educational relay race “My Finances”.
Analysts found out whether citizens manage
their budgets, whether they manage to save and invest, and what tools they use to do this.
According to the survey, 73% of Russians analyze Russians Tell How They Keep Track their income and expenses. Of
these, 53% do this regularly, 20% do it irregularly, 10% do not analyze the budget, but plan to start, and 17% do not
plan to engage in financial planning at all.
Among budgeters, 34% admitted to balancing debits and credits in their heads, 25% keep records by hand, and 22%
use spreadsheets and software.
73% of Russians manage to save money, 34% save regularly, and 39% – from time to time. At the same time, only 33%
of respondents have a financial safety net (a reserve phone number library fund of 3 to 6 monthly incomes), another
24% are forming one, but the amount of savings is still less than desired, 23% only have a reserve fund in their plans,
and 20% admitted that they do not have one and do not expect one.
The most popular tool for storing savings turned
out to be bank accounts, chosen by 55% of respondents, 23% of Russians Russians Tell How They Keep Track keep
their hard-earned money under the pillow, 8% – in foreign currency, the same number (8%) – in pension funds and a
long-term savings program. The least amount of savings are transferred to individual investment accounts and brokerage accounts – only 6%.
Overall, the survey showed that the majority o what are the techniques for creating a photo flipbook Russians Tell How
They Keep Track respondents are not involved in investing in the Russian stock market and do not plan to start – 78%
of respondents answered this way, another 12% plan to invest in the future, and only 10% are currently playing on the stock exchange.
Among the stock market assets, shares are of the greatest interest (15%), and second place is equally divided between
bonds (3%), OFZ (3%) and mutual investment funds (3%). At the same time, 76% of respondents said that they are not
interested in any investment instruments at all.
Nikolay Dmitriev, head of the project “Myfinance.rf”:
“The study demonstrates a pronounced savings model of behavior among Russians. Basic
financial literacy – including the need for budgeting and creating reserves – is recognized by
the vast majority. Another thing is that there are serious challenges. For example, almost
85% of respondents keep track of their income and expenses, although only half record them
electronically or on paper. Most prefer to usa lists save on deposits – which is reasonable in
the context of high rates, but not always the best choice after they normalize. The long-term
savings program and IIS require more Russians Tell How They Keep Track active promotion. Obviously, people do not fully understand all the benefits of government co-
financing and tax deductions. Finally, we see a fear of investing in securities, and hence low
interest in the stock market. We need to improve investment literacy, explain to potential
investors how to work with risks. This is what we are doing as part of the All-Russian educational relay race “My Finances”. Right now, the thematic stage “Save and Multi
ply” is taking place.”
The s
urvey was conducted on the
resources of the Rambler&Co media holding from March 28 to April 3, 2025, covering more than 65 thousand Internet
users.
The survey involved 57% of women and 43% of men. Half of the respondents (52%) live in cities with a population of
one million or more, 12% in cities with a population of 500 thousand to 1 million people, 16% in cities with a
population of 100 to 500 thousand people, and 20% in settlements with a population of less than 100 thousand.
