In response to the growing public demand, analysts at KIT Group, one of the largest currency exchange market operators in Ukraine, published a detailed review, which outlines basic strategies for protecting savings, taking into account the terms and goals of their formation.
The key approach, according to experts, is diversification — the distribution of capital among different types of assets, each of which performs its own stabilizing function in the portfolio. This minimizes the risks of losing purchasing power due to inflation, devaluation or a liquidity crisis.
The optimal strategy for preserving capital today is a diversified portfolio. This refers to a combination of several assets with different risk and return characteristics. This approach is especially important against the background of unstable exchange rates, inflationary challenges and general economic uncertainty both in Ukraine and in the world
In the long term – more than five years – it is considered appropriate to include 50–60% of banking metals in the portfolio. As experts explain, these assets have a protective nature and are able to maintain their value during periods of macroeconomic shocks. Up to 20% of the portfolio may consist of crypto assets, which, despite high volatility, show positive dynamics in the long term. The rest are freely convertible currencies (including the US dollar, euro and British pound).
KIT Group also draws attention to medium-term accumulation scenarios, such as the purchase of housing, a car or payment for education. In such cases, it is advisable to focus on stable currencies and stablecoins pegged to them. "Even despite the current turbulence in international markets, this set provides the best balance of liquidity and reliability," the publication says.
Analysts advise against using the hryvnia as a savings instrument. "Even in a horizon of six months or a year, the hryvnia loses a noticeable part of its purchasing power," experts state. Therefore, the hryvnia should be considered exclusively as a unit of account for everyday expenses and a short-term liquid reserve for unforeseen needs.
KIT Group pays special attention to the issue of ways to store funds. The blog notes that cash at home is an extremely risky solution, as it not only does not generate income, but also requires significant efforts to ensure security. Instead, it is recommended to use bank accounts with constant free access to money or bank vaults. Another more modern analogue is digital wallets with stablecoins that are pegged to reliable currencies. "Stablecoins can also simply be stored on wallets with constant access and even put on interest on verified international platforms in order to receive additional income," analysts clarify.
The proposed set of recommendations applies to the vast majority of people who do not have experience in active investment and management, or those who do not want to actively manage their savings portfolio and devote a lot of time to it
Thus, the proposed approach is not investment advice in the classical sense, but a basic instruction on financial self-defense. It takes into account current risks and the level of accessibility of solutions for anyone who cares about their savings or has only started to form them.