As economic expert Veaceslav Ionita noted, while the whole world is looking for investments with decent yield, Moldovan citizens are slowly and measuredly practicing the technique of losing money in the bank by placing deposits in banks without interest or with minimal interest.
The expert estimated that Moldovans have more than 1.9 billion euros in so-called “dead deposits” – money that does not bring income and loses its value over time due to inflation. These are accounts without interest and demand deposits with an interest rate of 0.9% in lei and 0.38% in foreign currency.
He emphasizes: the share of such deposits in the total structure of deposits of individuals increased from 12.7% in 2015 to 33.8% in 2020 and to 45.2% at the end of the second quarter of 2025.
The situation is explained by the following factors: lack of financial knowledge, fear of buying real estate, poor access to alternatives, security psychology of the population.
At the same time, the expert offered several options for profitable investment of citizens’ savings. One of the ways is investment in real estate.
In Moldova, it provides a yield of 8.5%, while a new strategic opportunity is investment in real estate in Romania. For example, in Bucharest, the market is more stable and the rate of return amounted to 7.4%.
Veaceslav Ionita notes that such investments are easy to manage, as Moldova and Romania have a common language and understandable legislation.
Another option for investments is state securities, for example, for 10 years – they provide an annual return of 8.2%, the population can buy them on their own – it is a simple, safe and worthy instrument.
The expert also recommends to keep money on term bank deposits – at 3.8% per annum in Moldovan lei (1.4% in foreign currency, which is practically 0%, taking into account inflation and commissions).
Veaceslav Ionita urged to invest money in a way that generates higher incomes, which, among other things, contributes to the development of a healthy economy.
