most common and affordable way to save money is the bank deposit (deposit).When you open the main requirements for banks is reliable.Today in Russia, operates about 950 licensed banks.The most well-known and reliable, no doubt, is Sberbank.
Most thrifty Russians prefer to deposit in the Savings Bank - its share of all bank deposits is 45% (at the end of the 1st quarter of 2013).This contributes to an impeccable reputation, a wide network of branches and long history of the institution.
consider the contributions Sberbank of Russia for the population.Thus, the proposed six options of fixed deposits.Of the table below will help you choose a deposit in the Savings Bank, according to your preferences, and plan for the amount of money invested.
| Title deposit | description, purpose | % in rubles | % in dollars | % in euro |
| "Keep" | obtain maximumincome - Deadline: 30 days - 3 years; - you need to make at least one thousand. Rub .; - accrual of interest once a month; - interest is added to the deposit; - replenishment and partial withdrawal is not provided; - interest can be removed or be sent to the card; - especially for seniors set the highest rates on deposits. | 8 | to 3,25 | 3,25 |
| "Recharge" | creating savings + income generation - period: 90 days - 3 years; - you need to make at least one thousand. Rub .; - accrual of interest once a month; - interest can be removed or be sent to the card; - interest is added to the deposit; - especially for seniors set the highest rates on deposits. | to 7,25 | 3 | 3 |
| "Manage" | receive income + the use of the contribution - Deadline: 90 days - 3 years; - you need to make at least 30 thousand. Rub .; - accrual of interest once a month; - interest can be removed or be sent to the card; - allowed replenishment of the deposit in the amount of 1 thousand. Rub., 100 dollars / euros; - allowed the removal of part of the contribution; - possible increase in interest rates before the next accrual gradation;- the maximum possible amount of the deposit - the first installment multiplied by 10. | to 6,5 | to 2,8 | to 2,8 |
| "Give Life" | income generation +blagotvritelnost - time - exactly one year; - you need to make at least 10 thousand. Rub .; - accrual of interest every 3 months; - income from protsenov to shoot or be sent to the card; - interest is added to the deposit; - Depositing and withdrawing money is not provided; - 0,3% per annum on the contribution of every three months, goes to charity. | 7,25 | - | - |
| "Multicurrency" | receive interest income + income from favorable changes in exchange rates - a period of 1-2 years, to the day; - the minimum possible amount of 5 RUR / USD / EUR; - accrual of interest every 3 months, the rate depends on the size of the deposit and the minimum possible residue; - interest can be removed or be sent to the card; - interest is added to the deposit; - a partial withdrawal is not provided; - popolnenyat can be from 1 thousand. Rubles, $ 100 / EUR; - possible to convert. | 0,01-6,1 | 0,01 - 2,7 | 0,01-2,7 |
| "Savings Account" | use savings + monthly income - contributionunlimited; - there is no minimum amount; - accrual of interest - once a month; - the minimum possible amount of replenishment is not limited; - allowed the removal of the sum to zero, the account is not closed. | to 2,3 | to 1,15 | to 1,15 |
addition, there is a very interesting opportunity to open a deposit in the Savings Bank "International" in the yen, pound, Swiss franc.
Foreign currency deposits of Sberbank of Russia provides an opportunity to make money on currency fluctuations and have interest income.It should be noted that foreign currency accounts are quite risky investments because the exchange rate may be as a significant fall, and rise against the ruble at the time of the expiry of the deposit.Terms of contracts established between one month and three years, the period up to the day.If you need to withdraw money early, you can close the input before, but keep in mind that when this accrued interest is void.
weighted average interest rate on ruble bank deposits at the end of the 1st quarter of 2013 is about 8.5% per annum.As we can see, Sberbank offers less favorable conditions, but for the majority of Russian investors, it seems, is more important than reliability and safety of savings, rather than a few percent of income.
If you decide to open a deposit in the Savings Bank, you need to come back with a passport, sign a contract on opening contribution (pre-read it carefully) and deposit money into account.
