Savings supported Russians – Kommersant FM
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Every fourth Russian reported having passive income.
True, for most it does not exceed 20% of the main one. This is data from a survey by SberLife Insurance and Rabota.ru. The most popular source of passive income is bank deposits and savings accounts; 16% of respondents have them, 4% of respondents invest in securities, 3% rent out real estate, and 1% of survey participants transferred their money to management.
The majority of those who have passive income are people with average earnings, Deputy General Director of the Rabota.ru portal Alexander Veterkov told Kommersant FM:
“The study involved 3.5 thousand respondents across Russia with completely different incomes, with the majority of respondents being people with an average salary of up to 70 thousand rubles. This is the main segment of the population: sellers, drivers, waiters, couriers, workers. A larger number of them took part in the study than managers and top managers.
We did not divide the survey participants into age groups, but the majority of site users are people aged 23 to 45 years, so about 70% of respondents are in this category. In recent years, starting with the 2020 pandemic, more and more people prefer stability and security, and this encourages them to have the opportunity to both receive passive income and accumulate some funds for the future.”
Most often, respondents stated that they use passive income to create a financial safety net. But Vasily Anikin, associate professor of the Faculty of Economic Sciences at the Higher School of Economics, considers this an exaggeration: “This is what in sociology is called “savings on which you can live for less than a month,” a small part of savings that simply allows you to maintain the level of current consumption.
Those whose passive income actually constantly forms their main income, in my opinion, make up only 4%. To create a certain safety cushion, it must be equal to approximately 100% of income, because if it is less, the consumption profile will be transformed, that is, it will be necessary to give up something. The average salary is approximately 60 thousand rubles, and if we are talking about deposit income, savings in the account should be about 2-3 million rubles.
Why were there more people with passive income a year ago than today? It is obvious that the group of the population that mainly had savings has seen their earning potential decrease over the past two years, as employers who provide high salaries have left Russia. Some jobs have been eliminated, including in high-tech sectors of the economy; this creates risks associated with the fact that people begin to use their savings. Perhaps their passive income is dwindling. People start buying property somewhere abroad, this can also reduce their percentage.”
According to the results of last year’s survey by Rabota.ru and SberStrakhovanie, the share of Russians with passive income was 29%. And at the end of the summer of 2023, VTsIOM conducted a study that showed that a third of citizens do not have any savings.
Everything is clear with us – Telegram channel “Kommersant FM”.
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