What is the term of the contribution you consider the optimal explanation. How to choose an optimal term for bank deposit? The ability to take a loan

The urgent contribution, in contrast to the perpetuity, is stored in the bank a certain period, after which the depository returns along with the percentage. This may be a contribution for 2 months or a few years. At the same time, the removal of funds is not allowed. Such deposits are less convenient due to limited score management, but more profitable than demand deposits. Rates on urgent deposits are much higher than in perpetual.

Urgent deposits are divided into:

• cumulatives that can be replenished;
• savings not subject to replenishment.

An example of a cumulative contribution is a replenished deposit. It is accomplished for a specific period with a preliminary initial amount. This is a good solution for money accumulation on large purchase. By selecting a long term, you can get for the contribution of 10 percent per month or more.

The urgent deposits also include an indexed deposit. It is a structural product (yield depends on several factors: prices for shares, changes in indexes, options, etc.) and differs by the presence of risk. This makes it possible to get for short-term deposits 20% per month, but does not guarantee this. The scheme of such a contribution is as follows:

• the revenue of the deposit is tied to prices for stocks, goods or stock indices;
• if at the end of the investment period, the yield does not change or falls, the amount of the deposit is returned to the client and adds minimum percentage (about 1% per annum, as an indefinite contribution);
• if the indicators equal to profitability have grown, the client receives an additional income with the amount of deposit.

The metallic account may also be an urgent contribution. His difference lies in the fact that instead of money, the deposit is placed in the form of precious methols (silver, gold, platinum or palladium). It may be short-term deposits for 8 months or for a longer period.

At whatever time, the contribution was not opened, even if it was less than a year, its rate is declared in annual percentages. Calculate interest on an urgent deposit in this way:

1. Citizen Petrova, receiving money from the sale of a car in the amount of 150,000 rubles, issued a contribution for 9 months under 11 percent per annum.
2. 1 percent from 150,000 rubles. \u003d 1500 rub.
3. 11 percent, respectively \u003d 16500 rubles.
4. For the year, a citizen of Petrov would receive 16,500 rubles. By deposit.
5. For 9 months she will receive: 12375 rubles: 16500 rub. It is necessary to divide for 12 months and multiply by 9 months (16500/12 * 9 \u003d 12375 rubles).

But since banks mainly determine the deposit period of the days (the same period is determined in the contract), it is more correct to consider this:

• 9 months (from April to December inclusive) numbered 275 days;
• 11 percent of the annual amount of 16500 rubles. - This is 45.2 rubles. per day (16500/365);
• multiplying 275 days by 45.2 rubles, it turns out 12430 rubles.

It turns out that Citizen Petrov for a deposit for 9 months in the amount of 150,000 rubles. Under 11 percent of the annual get 12430 rubles.

To calculate the yield of the term deposit very convenient tool Are online services. For example, using an online calculator can be quickly, within a few minutes, calculate the amount of profit. It makes it possible to get the most profitable proposals from banks with regard to the region or other requirements. To do this, you need to enter into the appropriate calculator fields the amount of the deposit, its term and, if necessary, additional features:

• the presence of capitalization;
• the possibility of replenishment;
• currency type.

There are online services that provide the latest and up-to-date information on interest rates, deposit programs and other data on urgent deposits. Attention should also be paid to regularly compiled ratings on Russian banks and financial products provided by them.

Choosing a bank, you need to consider a few moments and very carefully study the contribution contract. The profitability and profitability of the contribution is not always determined by the high rate.

Favorable conditions are considered:

• the possibility of placing funds in different currencies at the same time;
• low initial fee;
• profitable for the client and at the same time the average mining interest rate (for short-term periods, it is mainly contribution to 5% per month, no more);
• the ability to replenish the contribution and choose its validity period;
• the presence of capitalization;
• partial removal of money.

A very important factor is the insurance of the deposit. This allows in the case of bankruptcy bank returns invested money.

Get the maximum profit from the available funds by placing the contribution of 15% per month or a contribution to 20% per month, it will not work in banks. Such rates can afford only microfinance organizations specializing in the provision of urgent loans to the population. Because The percentage of loans "to salaries" is considered every day, such institutions can receive up to 300% per annum and more.

However, the placement of urgent contributions in microfinance companies has its own limitations. So, the minimum amount of investments they have very significant, and is about 1.5 million rubles. Although there are highly rates in such organizations, the conditions for deposits are quite strict. On average, to arrange a contribution to 15% per month, the amount will be required by the amount of at least 1.5 million rubles. For a period of 2 years.

• Registered urgent contributionLearn whether the capitalization is held on it. For short-term deposits, such as a contribution for 4 months or less desirable to be daily.
• When making a multiple contribution, it is necessary to take into account that the percentage is charged by banks in all convertible operations. And since B. different banks The course is different, the percentage, respectively, will be different too.
• Despite the fact that many domestic banks are insured, it is better to check the availability of deposit insurance in a concrete credit institution. The reliability of the Bank increases its partnership with the ASV (Deposit Insurance Agency).

Most potential contributors are interested in the question regarding the terms of the deposit programs that are offered by banking institutions. Today, it is possible to place a deposit in different currency, as well as for different time. So for what period is best to open a deposit in order to get the maximum benefit, while avoiding various troubles and maximize the means from influencing inflation? Today we will give you some tips on how to choose the best time for the deposit in the bank.

Long-term deposit program

Paying attention to the period of action of the deposit, it is recommended to navigate the following: Does the value of the term on which the contribution is made? How long do you intend to store funds on the deposit? IN this case It is necessary to proceed exclusively from personal preferences, their own financial opportunities, as well as concerns.

Today, banking institutions are developing a wide variety of deposit and bonus programs For its customers. First, they try to encourage those depositors who have their own money for a longer period. Moreover, conditions such as capitalization of accrued interest to total amount Deposit. Those depositors that make a deposit for a longer period of time receive additional service - lending to the deposit. Consequently, the general results are as follows: more profitable to put money for a period of more than one yearSince the conditions for such a deposit program will be much more profitable.

Long-term deposits have one significant disadvantage: the lack of opportunity to pick up their funds immediately before the expiration of the period of the deposit agreement. However, in this case, everything is determined individual conditions One or another banking institution, since there are programs that provide for early termination of the long-term deposit, but without further paying the client of previously accrued interest.

Short-term deposit program

Short-term contributions are made to the population relatively more often, since this method acquires confidence in the stability of invested funds. As a rule, in a short period of time, global changes in the country's economy may hardly occur, so the cash will not be lost and will not be impaired. In parallel with this, it is worth not to forget about the state guarantee and protect the contributions of individuals.

In the event that the interest rate on deposits grows, it is better to give preference to short-term deposit programs. The most optimal option is the deposit period for one year. As for the deposit currency, this issue is ambiguous. Free cash is better to store in the currency in which all costs are carried out or there is a bank loan. And, of course, an important factor is the correct and competent choice of a banking institution, which in turn should be reliable, financially stable and necessarily under the control of the state.

In addition, it is worth not to forget that alone bank deposits opportunity favorable investment funds are not limited. If you need to invest in a short time, while actively driving them, it is recommended to spend your capital for the purchase of shares or share investment Fund. If a long-term contribution is planned, it is preferable to invest in government bonds or in precious metals.

Investment options There are many: to open the contribution to the Bank for a percentage, buy real estate, securities Or precious metals, become a co-founder of a business project or.

Today, investing methods are becoming popular, which make it possible to increase their own capital.

But how to make money work on yourself if you do not understand financial aspects And you do not have investment skills? Many profitable investment options.

But to manage monetary assets, it is necessary to properly distribute them and choose profitable spheres. It is impossible to learn this for a month.

Therefore, with insufficient financial literacy, It is recommended to entrust your money to professionals or open accumulative contribution in the bank.

Today, many novice investors due to the lack of experience risk losing invested capital for a month and even the day, so the opening of the deposit is optimal option For storage and enhancement of funds.

Features of the choice of bank

So, you decide finally: I want to discover the contribution. The next mandatory step should be the choice of the bank.

From reliability, the effectiveness of a particular financial and credit institution depends on the size of your profits.

Therefore, to minimize risks, it is necessary to approach its choice with extreme caution.

Important: For a novice investor, discover the contribution to the bank is a profitable and rational solution. And if the chosen financial and credit institution is reliable, the invested funds will bring good profits.

The most common mistake that inexperienced investors allow is to believe the bright "screaming" promises of banks.

Remember: too high percent Must persist, as often leads to risky or even forbidden operations with money.

Losing your investments, therefore, it is possible for one to two months.

Not every financial and credit institution is worthy of your trust.

And, although all services today can be provided only by institutions, at the Deposit Guarantee Agency, this does not indicate that the depositor does not risk losing its savings.

Naturally, when choosing a bank, you need to repel from the profitability of the proposal. But a high percentage is not the only criterion for accommodation financial assets.

Criteria when choosing a bank for deposit implementation:

• Participation chosen financial organization Among the participants in the insurance system for a period of at least a month.
• The amount of financial assets. Than baby BankThe less likely the likelihood that it will become. Although there are exceptions to this rule. Find information about the size of the asset stakeholders credit organization You can online on the website of the Bank of the Russian Federation.
• Reporting. Information can be requested in the Bank you are interested in or viewed by downloading the organization's official website. Analyze the growth of profits in recent years, the level of liquidity, yield within a month. Overdue debt should not exceed 5%.
• Shareholders. The composition of shareholders should not cause suspicion, even if they own. The availability of international organizations has recently testified financial stability bank. Today, in the period of sanctions by foreign counterparties, some assets can be frozen, therefore, it is better to avoid banks with a large number of shareholders from Europe or the United States.
• Period of work of the bank. It is possible to talk about the reliability of the bank if he "crossed" the period of at least two years of successful activity. Investing money in a bank that did not work and the month risky, especially if a high percentage is offered.
• Completeness of the information provided. The percentage, the minimum amount of investments and other deposit conditions must be transparent. You can view them online on the official website. The bank employee must clearly and concisely answer the questions. Many financial institutions Provide the ability to apply online, then in the telephone mode serve customers.

Also, when analyzing the bank, pay attention to international and national ratings. The most authoritative of them are Moody's Investors Service (Moody's), Standard & Poor's (S & P), Fitch Ratings.

In Russia, the banks are assigned to the organizations of Expert-RA, AK & M, Rusrating and the National Rating Agency (NRA). The results of their forecasts and conclusions can be viewed in specialized financial publications or online on official websites of organizations.

For how long make contribution

Answer this question is definitely not easy. What will arrange one depositor for another can be unacceptable.

If the money in the soon need, choose short-term deposits or savings deposits with an opportunity early removal money for a month.

If the money will not urgently need, it is better to choose a long-term deposit under a high percentage.

What you need to consider when choosing a deposit time to get maximum profits:

1. the purpose of the opening of the deposit;
2. inflation rate (should not be confused with);
3. dynamics of reduction / growth interest rates on deposits (information can be found online on the site Central Bank Rf);
4. indicators of stability and growth of the selected bank.

With a constant increase in the average interest rate in the country, it is not entirely beneficial to open long-term deposits. This trend occurs during crisis phenomena and high inflation. It is recommended to choose deposits for 3-6 months.

Important: If the percentage of deposits is stable, the normalization of the economic situation and the tendency to reduce the profitability of deposits is observed, it is recommended to choose longer times. This will give the opportunity to fix the high percentage, which will be distributed for the entire long period of the deposit.

With critical inflation growth, it is better to conclude transactions on deposits with the possibility of early termination of these conditions.

Also choosing the deposit period depends on investment purposes. For example, to discover the contribution to the child, it is better to choose the maximum time to increase the degree of profitability.

Currency selection

The devaluation of the national currency establishes certain obstacles for investors. Often, reduction quotes in rubles lead to the absence of confidence in domestic banks.

But at the same time in foreign currency It is not always convenient to make deposits, as difficulties can be created with a decrease in yield during the exchange of money.

Modern banks in our country offer deposits in rubles, dollars and euros. But what is the most profitable? This question is worried about millions of depositors.

In addition to the contribution in rubles and the euro there are deposits in the "exotic" currency that have their advantages and disadvantages (pounds sterling, Swiss francs, Canadian dollars, yen, hryvnia, etc.).

When choosing a currency, each depositor must analyze the goals of investing and determine for itself priorities.

It will help to take the right solution to the Calculator online, which will quickly calculate the degree of profitability. Use it online is very simple, you must specify the amount, time and percentage.

Rapid falling per last year The ruble, despite all the forecasts, is the most frequently used currency for the deposit.

And physical and legal entities often deal with transactions in rubles, besides, they do not need to be changed in contrast to foreign moneywhich lose their profits in the implementation of exchange operations.

In stabilization monetary system Russia, when foreign currency starts to fall, the ruble will become a real alternative.

Important: Today none financial market It is impossible to be called stable. Therefore, deposits in dollars and euros, which today are quoted with high liquidity, in a month can be irrelevant.

Contributions to the euro often inspire more confidence in domestic citizens than their "ruble analogs". Such an approval is based on the fact that a foreign currency is inherent in a lower profitability percentage.

In foreign currency individuals Most often deposits are opened in dollars, the second place is owned by the euro.

According to experts, such contributions are more resistant to crisis phenomena. Today, at deposits in dollars or euros, the investor receives income not only from interest, but also on the growth of foreign currency relative to national.

You can open this deposit in almost every financial and credit institution for a period of 1 month. Minimum amountAs a rule, is 100 euros or dollars. Percentage and other conditions can be viewed online and choose an optimal option.

Who benefits money in dollars and euros profitable:

• persons receiving in foreign currency, for example, the euro;
• persons who are going to travel abroad;
• persons who are going to buy real estate abroad;
• persons who have a high percentage of distrust national currency and the economy as a whole.

The first "golden rule" of investment is not to invest all means in one source. Money is better divided into parts and invest in different spheres.

This rule is worth applying when choosing a deposit currency: put a small percentage of money on a deposit in euros, keep the remaining amount in national currency.

It diversifies possible risks and gives more confidence to the depositor.

Open a contribution with high yield and normal levels of stability is not as easy as it may seem at first glance.

The level of profitability fully depends on your financial literacy and caution. Therefore, choosing one of the types of deposits, consider some nuances:

1. In various financial and credit institutions with similar bets, your income level will differ due to the fact that interest may be accrued in different ways.
2. It is better if the term of the contract will be registered in the days, and not in months or years.
3. The percentage of deposit may be accrued to 1 number of each month or at the end of the quarter.
4. At the time of signing the contract, check all the questions of the institution's employee - the possibility of replenishing or early withdrawal, force majeure circumstances and termination of the agreement, which schedule of paying off payments, etc.

Most citizens contribute contributions for any particular period. And, for example, the settlement accounts are more suitable for companies and organizations that use it for the purpose of committing monetary operations. Depositor, entruscing my money to the bank, hopes not only to preserve them, but also to increase them, so they conclude an agreement on an urgent contribution, because the percentage on such a deposit is much greater than on simple, and you can return it at any time without any LOSS.

What deposits are Russian banks offer?

Urgent deposits, as a rule, open on a strictly defined time - at least 1 month (however, such "short" deposits are now offering very few banks, most of the minimum deposit period - from 3 to 6 months), a maximum of several years. The interest rate on such a deposit directly depends on how much time the money will be in the bank, that is, the longer the term of the contract, the bigger profit will bring a deposit. Basically, the rate of the ruble deposit is now 6-11% per annum and 3-7% for deposits in other currencies.

If you contributed to the bank an urgent contribution, then this does not mean that it will be possible to bring money only after the expiration of the contract. Each bank, according to the existing GK, is obliged to return to the depositor all means on his request, regardless of how much time it remains until the end of the deposit. In this case, the loss suffers not only the bank, but also the contributor itself, because the early seizure of funds entails the loss of interest. It may happen when the termination of the contract is made literally a couple of days before its end. Thus, the depositor can only get 0.1% per annum instead of laid 8-11%.

If the depositor did not have time or could not pick up his deposit at the end of the contract, the Bank has the right to extend the term of the deposit. In this case, the interest rate of the contribution is set at the rate operating in the bank at the time of the "reservoir" of the contract.

What is the optimal deposit period?

However, the answer is not yet given to the question: what is the best period to open a deposit in the bank to get the maximum profit and avoid various troubles (for example, related to the decline in the rate in early dissemination of funds and so on)?

To get an answer to the question, it is necessary, first of all, to determine the goal for which money will be spent. Thus, if you plan to buy an apartment in a year, the contribution is better to do for a year. However, most often depositors contribute their funds to their savings. In this case, you will have to choose between the short-term and long-term deposit. The first allows you to more freely manage the invested means, and the second will bring more income. Of course, this question will have to solve independently, but in any case it is not recommended to make deposits as too small time (month), as well as for a very long time (more than a year).

It should be borne in mind that deposit for a short period will be not too favorable event, especially if the amount is not too large. But the discovery of the contribution for a longer period may also not bring tangible profits, as no one knows what can happen in our country in a couple of years. What level will inflation reach and do not "eat" it all accumulated with difficulty, savings?

That is why it is better to follow the old one, but the proven Golden Mid rule is to enter into contracts for a period of 3 to 12 months, in other words, make deposits for a certain period.

Do not forget that we are not limited to one bank deposits of money deposits. If you want to make a contribution for a short time and you want to actively manage the invested means, then you should spend your money for the acquisition of a promotion or share of the investment fund. But if you plan to make a long-term contribution, you should invest in government bonds or precious metals.

Today, many depositors are interested in the question: for how long make contributionTo get the maximum benefit from your investment? The question is reasonable, taking into account the high inflation and the current situation in the country, therefore requires a detailed analysis.

To begin with, let's consider the average timing of the placement of funds of the largest Russian banks.

Parameters / names of banks	Sberbank	VTB	Gazprombank	Alfa Bank
Minimum deposits	From 1st month with intervals a few months / year	From 3 months with the possibility of placement until a certain day	From 91 days	From 90 days
Maximum details of deposits	Until 3 years according to standard deposits and indefinitely on a savings deposit	Up to 5 years with the possibility of placement until a certain day	Up to 1097 days. Depending on the name of the deposit, you can choose a period up to date	Up to 3 years. Depending on the name of the deposit, you can choose a period up to date

As can be seen from the table, the only bank offering deposits from 1 month is Sberbank of Russia, all other largest banks of the country offer customers deposits for a period of 3 months. As for the maximum storage period, then the first place behind VTB Bank. It is also noteworthy that VTB is the only bank who has a single placement period in all deposits. money. All other banks installed the maximum bar at a mark at 3 years.

Pros and cons of deposits opened for different time

When choosing a term you need to take into account several main factors that will help "squeeze" maximum income From any amount:

• Goal placement of money in the deposit
• Rising inflation in the country
• Dynamics of increasing / lowering average% deposit rates. Such data can be viewed on the official website of the Central Bank of the Russian Federation

Almost all factors are interconnected and depend on each other. Correctly calculate and find out the exact income using a special deposit calculator or simple formula, the calculations on which the level of demand was made in the article.

What are the advantages of the minimum term?

With the unstable increasing level of the average interest rate on deposits, short-term deposits on 1, 3 or 6 months are much more profitable. The fact is that with a constant increase in interest rate on the deposit, it is absolutely uncommon to open it for a long time. For example, if today to discover the contribution at a rate of 8% for 3 years, it will be fixed and for 3 years will remain unchanged. It is much more profitable to issue this deposit for 3-6 months, given that in a few weeks and months the percentages will rise, not much, but still. In this case, you can again discover the contribution to a more advantageous%. When placed large amountThis factor will be very significant as the income itself.

What are the advantages of the maximum term?

By analogy of jumps of the middle rate on deposits, it is possible to make focus on the long-term placement of funds. When stabilizing the rate or tendency to decrease, it is more profitable to discover the contribution for a longer period. This will fix relatively high bidwhich will continue to be maintained throughout the entire deposit period. While interest rates Deposits will be addressed, your deposit will work and make a profit on old percentages.

Against the background of increasing inflation, it is better to open long-term deposits with the possibility of early termination at acceptable conditions. The main factor in choosing a bank and contribution should be interest. According to the Ministry of Finance, by the end of 2014 - the beginning of 2015 will be the peak growth of inflation, which can achieve a two-digit value, and not 7.5%, as approved initially. Therefore, preference is better to give a long deposit, which will cover inflation, it will be possible to save and slightly increase your capital. As for short-term deposits, in the near future they are not beneficial, as interest on them is lower than inflation indicators.

For how long make contributionif you copy to the apartment? The choice of contribution to the maximum period of accumulation to buy an apartment will be similar. The reasons are the same and were voiced earlier. The current state of affairs in the country dictates exactly the rules that will continue - the question is philosophical.

In addition, the initial rates on long-term deposits are always significantly higher than short-term. This is caused by the possibility of bank use the money of the deposit owner for a long time, knowing that it will not require a refund of funds in six months.

Why do Russians prefer short-term deposits long-term?

The question is interesting, especially given the fact that the registration of a long-term deposit is more profitable in most cases. The first reasons for this phenomenon can be called instability of the economic situation in the country, high inflation growth, as well as depositors of depositors for their money against the background of licenses with a central bank.

Even analysts are difficult to make a forecast for the development of the country and inflation for the long-term perspective, where to ordinary citizens. The average depositor, far from complex terms and definitions, is easier to contribute to a short time and reliable bankTo be confident in full return of money at any time.

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