Hello everyone! This is Nastya and TCP-MARKET.
Recent changes in exchange rates have raised many questions:
"Maybe it's time to buy currency?"
"Are the old dollars still accepted?"
"Is this a good time for investments or large purchases?"
"Or, on the contrary, is it worth rushing to sell?"
Today we will analyze in detail what is happening in the market and how to approach currency issues sensibly.
What is happening now?
As we predicted earlier, the short-term geopolitical positivity allowed the ruble to strengthen. Many panicked in December and started buying currency at unfavorable rates, although in that analysis we warned that it might be unreasonable. The market is calmer now.
Real exchange rates and currency availability
News often mentions the dollar rate 'at 85', however, this is the interbank market quotes, where private investors do not operate.
In fact, for ordinary people:
The futures market offers a rate of about 88 rubles, but this is more of a tool for speculators.
The actual purchase of cash currency or stablecoins (USDT) costs more — about 89-90 rubles.
Currency versus savings account
If we talk about returns for 2024, bank savings accounts proved to be more effective than simple dollar storage. For currency purchase to be more profitable now, the dollar needs to exceed the mark of 105 rubles.
Thus, for long-term savings, the current dollar rate already looks reasonable, but one should not expect quick jumps upwards in the short term.
My conclusions and recommendations (not investment advice!)
In the long term, the current rate (around 90 rubles) looks acceptable.
For large overseas purchases (real estate, cars), the timing is quite convenient.
If forming a 'currency safety cushion', buy currency gradually, averaging the rate.
For short-term speculation in 2025, it's better to look at other instruments: deposits, bonds, cryptocurrencies, or stocks. There, the returns may be higher.
What about currencies?
The US dollar is the most stable and predictable asset.
Euro — uncertainty due to political and economic problems in Europe, risks are higher.
The yuan is promising for stock market investments, but vulnerable due to the trade war between the USA and China.
An alternative to regular currency may be the stablecoin USDT, which is easier to exchange and store.
How to approach currency instruments? (Using TCP-MARKET as an example)
For example, there are platforms that allow easy management of assets and conversion of funds without difficulties and unnecessary losses. An example is TCP-MARKET, where users can freely and quickly exchange currency and cryptocurrency, make purchases of goods and services, and store assets in the most convenient form, such as USDT.
Using such platforms, investors reduce dependence on bank rates and restrictions on cash currency, as well as gain more control over their finances.
In conclusion
It is important to remember that currency is just one of the tools for asset diversification. It is important to understand your financial goals, not to succumb to emotional decisions, and to remember that investments require strategy and a calm approach.
In the next materials we will discuss:
Which indicators show good moments for buying and selling currency.
How geopolitics affects the long-term rate.
Make a conscious choice and remember: investments are a balance, not a chase for fashion.
