This article discusses the problem of investing free money of the population of our country, taking into account the peculiarities of the current state of the economy and the outside world. Therefore, first, the priority areas for investing capital for the population are presented, among which bank deposits are in the first place, due to the ease of conducting the placement operation. The statistics of the state of deposits in the country's banking system is given and the most relevant proposals of banks to attract funds from the population and stimulate savings are analyzed. This reflects the efforts of the National Bank of the Republic of Moldova, pursuing a policy of curbing inflation. Acquisition of real estate for the purpose of renting it out remains an urgent direction for investing free cash of the population. In this regard, the article provides some data on the dynamics of housing prices, and the approximate level of profitability of such investments. A special indicator is given - P / R ratio, which can help a potential investor evaluate an investment in real estate, which is very important at this stage due to a noticeable increase in prices for housing and other buildings. The article contains some information about cryptocurrency as a relatively new direction of investment, although in the Republic of Moldova, operations with cryptocurrency are not regulated by the state, and therefore can pose a significant risk for potential investors.