One of the areas where you can invest available funds - savings certificate.This is a security certifying the bank's obligation to pay a certain amount of an individual.Decorate it in any credit institution.Savings certificates of the Savings Bank of Russia, the interest on which is higher than for all other contributions the organization, are in demand in the market.As at 11.17.2014, in circulation 26 th. Forms with total assets to 14.5 billion rubles.This is for several reasons: security of demand is made quickly, it can be transmitted to others and offered for payment ahead of schedule.From this article you will learn in more detail the conditions under which the certificate is issued and addresses of the Savings Bank (interest, which promises to pay the holder of the institution, the timing and amount of deposits will also be considered).
Investments
People who have spare cash, at some point wonder about where they invest.Investing in shares requires specific knowledge.Precious metals do not bring a fixed income.To reduce the risk, you can invest in financial instruments of a large public institution, which is the Savings Bank:
- certificates, the interest on which is paid at the maximum rate (10%);
- deposits, which are insured deposit views, but bring much less income.
Features certificates
A security demand is issued only in the currency of the Russian Federation for a period of 3 to 36 months.Extend the expiration date will not have to issue another certificate Sberbank.Interest accrues on the minimum amount of 10 thousand. Rub.at a fixed rate.Number of securities, the term of their turnover, and the nominal value of the investor can determine their own within a specified range.The customer has the right at any time to present a certificate of redemption of the Savings Bank.The interest in this case will be converted at the rate of "on demand".
it can be sold, leaving a bequest, gift, used as collateral or for calculations.If you urgently need to recover a large sum of money and time to run to the bank there, you can just give the certificate to a third party instead of cash.Most importantly, its validity period has not ended.This is a big advantage of this type of CB.Client can choose, for what amount he should open a deposit "Savings certificates."Sberbank of Russia, in some cases, goes to meet and issue forms in excess of stipulated.This Central Bank is a reliable tool for storing tools, as it has several degrees of protection.It's worth to buy for people who intend to transfer large sums of money, but do not want an operation that became known tax.That is why the Ministry of Finance proposes to delete this financial tool of the trade.
Purchase
for processing the transaction will only need a passport.In a security must be filled in all the fields.The lack of text on one of the details makes the document invalid:
- name "Certificate of Deposit Savings Bank";
- interest for the use of the contribution;
- cause of issue;
- the date of registration;
- deposit amount (in figures and words);
- unconditional obligation of the bank to return the money;
- date of demand;
- address of the issuer;
- signatures of two experts of the credit institution, stapled print.
Sberbank of Russia: certificates, interest, service conditions
On 12/24/2014, on these securities is paid such remuneration:
| Turnover months | Deposit Amount, rub./ Annum interest | ||||
| 10 - 50 | 50 - 1000 | 1000 - 8000 | 8000 - 100000 | over 100,000 | |
| 3-6 |
0,01 | 12.25 | 12.50 | 12.75 | 13.00 |
| 6-12 | 12.52 | 12.75 | 13.00 | 13.25 | |
| 12-24 | 11.25 | 11.50 | 11,75 | 12.00 | |
| 24-36 | |||||
| over 3 years |
Here are the terms on which you can purchase Savings certificates of the Savings Bank of Russia.Interest is paid at maturity.Letterhead declared that interest rates are set higher than on deposits.It really is.Certificate in the amount of 100 thousand. Rub., Which will be brought to maturity in 367 days, will bring revenue of 12.25% of the deposit, ie. E. 12 557.53 rubles.On deposit "Save" on the same terms provided the interest rate is 8.25%.That is a profit of 8 647.12 rubles.It should also be noted that the yield on securities denominated in 10-50 thousand. Rub.almost zero.So it is more profitable to purchase one security to a maximum amount.If
prematurely redeemable savings certificate Sberbank, interest will be paid at the rate of 0.01% per annum.CBA may be transmitted at any time to a third person.Locking in this document is not necessary.But this operation is only possible during the term of the deposit.
Other options
addition to Sberbank, the certificate can be purchased in Russia and in other institutions.But the rates and availability of services may vary by region."TCB" prepares this product to order, forms brought from Moscow for 2-3 days.If the customer is willing to wait, he can invest the amount of 10 thousand. Rub.for a period of 3 months to 2 years under 9-11,5% per annum.In some organizations, the certificates referred to as VIP-line, and "threshold" have very high.Thus, in the "IBA-Moscow" deposit amount starts from 0.5 million rubles, and in the "Bank of Moscow" - 3.5 million rubles.The branch offices in the capital can be invested and 200 thous. Rubles.
Types
There are also personal certificates.They contain information about the owner.The transfer of the Central Bank by means of assignment - cession.The form is intended for this special field on the back.If the certificate is transferred several times, and one of the "links" falls, the document becomes invalid.
Benefits
They pretty much:
- high yield;
- minimum package of documents for registration;
- Mobility: The product can be cashed or donate at any time;
- transfer of rights is carried out by mere delivery of the form to a third party;
- can be presented for payment in any city of the Russian Federation;
- to receive payment need to contact the department with a passport and a certificate;
- Bank in case of loss of the right to the funds can be restored through the courts.
Cons
main disadvantages of the product "Savings Certificate" Sberbank:
- Interest and the risk is very high.These Central Bank does not participate in the deposit insurance system.Those interest that banks pay to DIA, it returns to the client.Therefore, in case of bankruptcy of the issuer, or revocation of a license individuals will not be able to obtain the funds accumulated in such securities;
- in case of loss of the Central Bank is not the nominal third party may submit it to the payment to the Savings Bank;
- Certificates (interest is calculated on a simple formula) does not provide for capitalization;
- repaid paper is not at all branches of the credit institution;
- for early submission rate is reduced to 0.01% per annum;
- extend the Central Bank can not.
Some statistics
In February 2015, the maximum average rate on the certificate is 13.28%.According to the Central Bank, the similar indicator for deposits closer to the mark of 13.85%.This is higher than the average rates on nominal Central Bank (12.92%), but less of bearer certificates (15.71%).The maximum rate on this product is 18% ("FiaBank") and 16.5-17% (UBRD).
Insurance is still possible
With the increasing attractiveness of the service offered DIA banking community to consider options for the certificate in the amount of 3 million rubles.Credit institutions need long-term liabilities.The sources of their formation can become certified.According to ACB, the last 5 years the Russians have invested in the Central Bank of 1.4 trillion rubles.What follows from this conclusion?If we consider that the average period of turnover amounted to 3 years, the probability of the use of certificates as a source of long-term liabilities is very high.
Summary
Having available cash, individuals can reverse them in financial instruments.For example, to issue certificates to the bearer of the Savings Bank, the interest on which is higher than for other deposits.To make a deal would only need a passport.Submit the form to the best payment at the end of its validity, or the interest rate to fall to 0.01% per annum, which is extremely disadvantageous.The high level of profitability is due to the fact that the payment of such investments are not guaranteed by the Deposit Insurance Agency.Therefore, the bank pays the customer a higher reward.
