— The thesis that there is no particular sense in saving money during periods of rising inflation is highly debatable. Firstly, we will have constant inflation and this is not a reason to forget about reserves. Secondly, you can save money not only in rubles — yes, hard currencies also depreciate, but there is gold, silver, and there are instruments on the stock market, although people have little confidence in it now. Thirdly, an asset is something that can quickly become money. It is clear that money is the most liquid story, but, for example, an apartment that is rented out can also be relatively quickly turned into cash, and we invest mainly in real estate.