Expert names three best ways to create a financial cushion by 2026.

According to ТСН: When planning a 'financial cushion' for 2026, it is important for Ukrainians to first assess their financial capabilities and savings goals.

Assessment of financial capabilities

The head of the Committee of Economists of Ukraine, Andriy Novak, emphasized that before making investment decisions, it is necessary to understand whether there is a possibility to regularly save money, in what amounts it can realistically be done, and what goal a person pursues — simple preservation or income generation.

‘If there is a possibility 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 amount into three equal 'baskets': hryvnia, dollar, and euro, or other 'hard currencies'. In hryvnias, you will receive the highest interest, while keeping funds in dollars, euros, or another 'hard currency', you protect yourself from devaluation and inflation. This way, you can maximize protection and receive a more or less decent income,’ added Novak.

Investments in real estate

The expert noted that if there is a possibility to save more, now is indeed the best time to buy real estate and land, as prices in Ukraine are currently at a minimum level — they cannot go lower (they are already at production cost or even lower).

It is also worth noting that experts have presented a forecast for the exchange rate of the dollar and euro for January 2026. Most analysts agree that the first week of January (up to the 8-10th) will be a period of calm.

Considering forecasts for exchange rates and the real estate market situation, Ukrainians should carefully assess their financial capabilities. Careful planning and the right choice of investments can significantly impact financial stability in the future.