well known that the money should not be in the safe, but should work.Opinions about how and where exactly they should do it, there are many.But one thing the experts are unanimous everything: the safest place to store savings - a bank.Here you can leave the funds intended to pay for expensive purchases or simply accumulated over a certain period of time.
But to keep money in the bank, too, can be different.This safe box, which simply add up the bill and leave a multi-level security and a normal current account and deposit accumulation.Despite the wealth of choices, most customers prefer to bank term deposits.
Each financial institution, as a rule, there are several programs, which can leave the money at interest for a specified period.Some of them provide for the early withdrawal of money, others - no, there are deposits with replenishment accounts, and there are no.There are other nuances in an agreement for.But any time deposit in any bank knowingly bring more revenue than cumulative or current account.
opening deposit, the customer wants to be sure that it can freely get your money back and take interest.In order to sleep, do not recommend investors to chase higher returns, and open accounts in banks with proven reliable major credit and deposit portfolios.In this regard, as popular fixed-term deposits of the Savings Bank.After all, the agency checked, not years but decades.Sberbank has a huge number of branches and offices across the country, and its deposit portfolio indicates a high level of confidence on the part of existing customers.
Some financiers, however, referring to the fact that all private deposits insured, is recommended in the reliability of the bank not to pay special attention, and look only at the benefit, ie the interest rate and its charging scheme.Basically they are right, but not in all.Firstly, there is a limit on the maximum amount in the deposit insurance.Secondly, in the case of force majeure to run the chain of command, and then literally "knock out" the money - not a pleasant one.And it is of no quiet sleep in the cases of the question.
course, making out a deposit, it is better to ask, whether the bank participates in the system of insurance.So it will be quieter, but too it is not worth to expect.It should be noted that banks are insured all deposits: term, savings, demand deposits, but only under the condition that the sum of them does not exceed the maximum allowed under the current legislation, and the client is a private person.
money to work, they can invest in various funds, buy real estate or precious metals.But the easiest and safest option was nevertheless remains fixed deposit.Firstly, in this case the client does not need to worry about the quotes or price fluctuations of the market.Secondly, you can pick up convenient deposit options, for example, to receive their monthly interest or take them off in a year.And third, any term deposit can be terminated in advance.Of course, it lost interest, but that in any other case, the money will not turn back so quickly and easily, as is the case with the deposit.
