Contributions - it is one of the most popular services offered by modern financial institutions.Deposits are the easiest aspect of investing.All that is required of a man - is to choose the right financial partner in the face of a major bank, take their money and put it on the bill.At the end of the period of cooperation the amount of capital will be increased.The only question is, who is to decide on the eve of registration deposit - is to determine what is the most profitable bank deposit is in the present moment.
General questions
Focusing on the period of placement of capital in a bank account, you can allocate time deposits and demand deposits.The latter format program provides an opportunity to withdraw funds from the account at any convenient time, but the advantage is to the detriment of the interest rate.It will generally be the minimum among all the offers available on the market.Indent and focus our attention on what is the most profitable bank deposit provides for a large capital and long-term partnership with a financial institution.Small deposits on short notice may not provide the same percentage of profitability.We must always consider the rule: the more extensive access to the bank customer has to their savings, the less it will have a rate of return.Maximum deemed profitable deposits for a period of one year or more.
most profitable formats deposits
most profitable deposits in banks can be both savings and cumulative.Savings deposits can not be replenished, and the designated primary interest will accrue on the amount of initial capital.The second format of the program allows for the completion of the contribution, and the interest will be counted in the amount, which will be based on the account at any given time.
maximum growth funds on deposit guarantees compound interest, also known as capitalization.Its essence lies in the fact that the basic monthly amount paid for the deposit, with interest recalculated, and beyond their charging is carried out not only on the size of the basic contribution, but also on the interest previously accrued.The process is repeated constantly until such time as the term of the deposit expires.
calculated, and CHI-indexed deposits
For certain categories of clients profitable deposits in banks in St. Petersburg and other cities - is calculated.The format of the partnership with the bank provides the ability to recharge.The client receives a debit card to hand.Mandatory condition - is the existence of an agreed upon signing the partnership agreement the amount in the account.Another interesting option deposit - is a structured product.He can bring the profitability of several orders of magnitude higher than the standard program.This category is considered a high-risk investment, but with luck factors, the yield on the deposit can be up to 20% in a few months.Another interesting and non-traditional version of the augmentation of their funds - is CHI (or unallocated metal accounts).They can be extremely high-yield, and in some situations, the most profitable.Banks pay no interest on such deposits, but the jump in the price of the precious metal in the international market during the deposit can provide a yield to 100% and higher.There are already as lucky.
What is the contribution of the most profitable, and each his own
To accurately calculate what the most profitable bank deposit can be done, you need to start from their needs and goals.Depending on the priorities of different people will have different preferences.For example, the MLA is the perfect solution for those who are working for the future.Gold, being a finite resource, is constantly getting more expensive, and in the next few years, its price can not only double, but triple.Probable yield simply not comparable with typical contributions.People who plan to carry out the purchase of expensive equipment, assess the contribution to the replenishment as an opportunity to not only save part of the money, but getting to them a percentage.Simple accumulation of capital will bring maximum benefits only to the capitalization of interest.
interest rate - maximum attention
Profitable deposits in banks in Moscow and other cities - is not the same for the proposed maximum interest rate.It is important to know that the Bank of Russia tightly controls this rate, keeping it more or less stable.If the financial institution offers a rate several orders of magnitude higher than the average in the financial market, it is a signal to the fact that financial institutions have liquidity problems.Temporary administration introduced in the institutions that are trying to attract investors uncharacteristically great deals.
Why give up the biggest bets on the market?
selecting the highest possible rates on deposits in the market, then it is possible and does not see the money.Big bets can offer small banks, which only brings ever imagine customer base.The main thing - not to miss and do not invest in an institution whose existence is in question.After studying the issue, in which the banks profitable investments, it becomes clear that it is better to agree on the average interest rate on the average commercial bank by optimizing the ratio of profitability and risk.The optimum size of accruals in 2015 ranged from 10% to 12%.
Deposit currency matters
The yield of a deposit depends on its currency.According to experts, we need to invest in one monetary unit in which they plan to spend.Otherwise, the result jumps course possible not only to lose interest, but also lose some means.For example, you can take the recent contributors who have chosen the most profitable bank deposits in rubles in Moscow, planning to make a purchase later, while in dollars.Program selection was made taking into account the fact that the deposits in national currency were higher percentage.As a result, an abnormal jump in the course of the past six months, not only "eat" the entire income, but also a large part of the capital.In order to regain their lost in dollar terms, it is necessary to invest at 50% per annum, which is simply impossible for the domestic financial market.The most reliable and profitable considered to contribute to the dollar as a reserve currency.Even with the exchange rate fluctuations, it is growing, and in the light of recent economic developments in the chance of its decline is virtually nonexistent.
Which deposit can be classified as profitable?
Today, against the backdrop of fierce competition in the financial sector, many banks favorable interest rates on deposits offered to all its customers.Most of the big bet may be hiding additional fees or stringent conditions of partnership.Some financial institutions may completely deprive percent, and even impose a penalty for premature termination of the contract.This possibility should also be provided.Favorable bank deposits St. Petersburg should be flexible.Welcome: the choice of currency and deposit several periods of storage, charging compound interest and beskomissionnoe partial withdrawals.To the decision proved to be correct, and was chosen the most profitable contribution to the bank should be sent after a thorough examination of all information.
