Savings are one of the items to ensure the financial stability of the family or individual.And one way or another, understands that the money should be kept in the bank, and not under my pillow.But before we ask the main question in what currency to keep their money, we explain a few important aspects.
term and interest
on long-term deposits can be no question: the stability of the economic situation in the country over the next five years, no one has dared to predict.Therefore, the only reasonable way out would be to put the money into the account for a year or two under a large percentage.
Speaking of percentages, as everyone wants to make their money work, iegenerate income.Therefore, all we are looking for offers of banks on ruble deposits from 10% in dollars between 4% and 5% of the euro.But, unfortunately, these deposits require a substantial amount of money for their discoveries - from 1 million rubles.After making 10 thousand rubles, you can not claim more than 6% per annum.And this is understandable, the bank profitable to store your money, let them into circulation, making them, giving you a small percentage.What can bring your modest savings bank?
currency deposits
with the term deposit amount and interest, we figured.And now, our main question - what currency to keep their money?The mass of options: not only the "notorious" the euro, the dollar and the Russian ruble.But the Canadian dollar, Japanese yen, Swiss franc, pound sterling, the Czech crown.And despite the fact that some of these currencies more expensive euro is still the most common suggestions banks are deposits in rubles, dollars and euro currency.
After the economic crisis that came to us from the United States a wave after a terrorist attack, the dollar fell incredible, allowing the euro to take his position in the market.Today, these two competing currencies have stabilized: slightly more expensive euro dollar (32 rubles to 39).How will develop this struggle - is unknown.In what currency to keep their money in 2012 - it is also not clear.But analysts recently warned the public about rising inflation, which means that the term deposits in rubles is not to be repaid.How to be?
compromise version
Modern experts in the field of economics and finance approached the problem in what currency to keep their money, creatively.Analysts recommend citizens to keep their money in several deposits in different currencies equally.They argue that in this way it will be possible without loss due to currency fluctuations cash out their savings.
choose the best conditions for the deposit
One of the attractive conditions of bank deposits is the opportunity to take charge of every month without spending a nested sum.As well as the loyalty of the bank in respect of the early closure of the account (the situation because there are different).
to select a suitable contribution everyone can benefit from the appropriate service on the official website of the bank.Sberbank of Russia, for example, took care of the creation of such a service to their customers.
What else can keep their savings
addition to the claimed issue here, in what currency to keep their money, you can consider the alternatives.
Savings certificates (securities) yield the highest returns - up to 12% per annum.
Precious metals steadily rising in price: 1600 rubles.- Gold, 1400 - Platinum.The investor is able to remove the income earned by the rising cost of metal.Despite the conventional wisdom about the complexity of the acquisition and opening of such a contribution, metal is purchased immediately, in the time of treatment.And quickly sold.Banks thus offer free maintenance and account opening.
investment coins will be the perfect gift for a friend or yourself, and a great way to save money.In one of the new precious coins may contain 7-8 grams of gold.
In the light of what has been said about the contribution of money and storage options, of course, on what currency to keep their savings, I want to emphasize the following.Proposals were received from banks weight, and now we have to choose: the usual option, or more profitable ... Everyone decides for himself.The main proposals seek to understand and monitor the economic situation, not to lose savings.
