Ukrainians planning to build a financial cushion in 2026 should start by analyzing their own capabilities and setting savings goals. Experts advise carefully assessing how much money can realistically be set aside regularly, as well as determining the primary purpose of the savings — whether to simply preserve the accumulated funds or to generate additional income.
This is reported by Finway
How to Properly Allocate Savings
Andriy Novak, head of the Committee of Economists of Ukraine, emphasizes that before making investment decisions, one must consider the regularity and amounts of money being set aside. If the amount of savings is small, the expert recommends not keeping them at home but rather using the services of the largest commercial banks in Ukraine. He also advises dividing the total amount into three parts — in hryvnias, dollars, and euros or other stable currencies.
“If you have the opportunity to save, and the amounts are not too large, I recommend keeping them not under the mattress but in commercial banks that are among the top ten largest banks in Ukraine, and dividing the total into three equal baskets: hryvnia, dollar, and euro, or other strong currencies. In hryvnias, you will receive the highest interest, and by holding funds in dollars, euros, or other strong currencies, you protect yourself from devaluation and inflation. This way, you can maximize your protection and achieve a more or less decent income,” added Novak.
Investments in Real Estate and Land
Andriy Novak also notes that for those who can accumulate significantly larger sums, investing in real estate or land can be a profitable option. Currently, according to him, the Ukrainian market is seeing minimal prices for these assets — they are already at cost price or even lower. The expert is confident that prices will not go any lower, so now is the best time for such investments.