Deposits or domestic government bonds: how to preserve capital in 2026??

A classic dilemma often arises between the good old deposit and domestic government bonds. Both instruments are reliable, but they work differently. We’re breaking down the pros and cons to help you decide which is best for you.

The Profitable Plus deposit is suitable if:

• You have the minimum amount required for placement at a branch or through the app.
• You wish to make additional contributions to the deposit.
• You want to receive monthly interest payments.
• You do not plan on making early withdrawals (term options from 3 to 12 months).

 Domestic government bonds are suitable if:

• You want your income to be tax-free.
• You want the option of early sale on the secondary market.
• You seek a secure investment with a full state guarantee.
• You want your funds to support Ukraine’s financial resilience.

Tip: You don’t have to choose just one thing. Diversify! Keep some of your funds in short-term deposits for 3-6 months, and the rest in bonds for maximum profit.