FX savings

average purchase rate → what your savings are worth now and whether you're up

Purchases

Amount $Rate

Current buy rate

Sell spread

Position

Total FX

1 300,00 $

Spent

51 890,00 ₴

Average purchase rate: 39,92 ₴/$break-even sell 40,52

Value at sell rate 41,90

54 470,00 ₴

+2 580,00 ₴ (+5,00%)

DCA effect: buying in parts smooths the rate — your average is below the peak, and you don't need to time the bottom.

You sell at the bank's buy rate — so break-even = your average + spread. Cash spreads run 0.3–1.5 UAH; the NBU rate sits between. There's no tax on FX gains when exchanging cash, but FX investments (USD-denominated bonds) have different rules.

Over Valutasparen

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