Someone saving money for a rainy day, someone on a bright future.But before every sooner or later the question arises - how to keep them?Keep the house in the closet under a pile of laundry is absolutely senseless, that leave little inflation from labor cents, and even dangerous.
in which bank to invest?Most recently, I tried to resolve this issue for themselves.Here is my brief research on the subject.
First of all - it must be in the system of state deposit insurance.Now the amount of compensation is 700 thousand. Rubles.But the government is considering increasing this limit to 1 mln. Rubles, since January 1, 2013.
Therefore, rationally will leave in one banking institution an amount not exceeding the current limit.Then, in case of withdrawal of the license of a bank deposit will be fully returned to its owner.
The next question that needs to decide for themselves, is the period for which we can safely withdraw from the accumulated amount of the family budget.Often banks offer fairly attractive terms of deposits, but the period of 3-5 years is hardly suit us.It is not known what the situation would by this time in the financial market, and in our personal lives, too.
now define the currency in which to store their money better.Financial analysts unanimously advised to give preference to the ruble.These contributions are now the most profitable.
But if you set aside money for a trip abroad, it may make sense to open an account in the currency that will eventually be needed.
Many banks offer multi-currency deposits or metal.Here, as they say, a matter of taste.But in the case of opening the metal deposit is worth considering that it is not subject to insurance.
Even if you have already decided which bank to invest, not too lazy to carefully examine the conditions of deposits that it offers.Namely: whether it is possible to replenish the expense of prematurely close it without much loss of interest in this case, whether the envisaged partial withdrawal of interest.
also want to pay attention to the various holiday shares of banks, during which they can raise interest rates for individual contributions.And sometimes open and new, more profitable deposits.I made my final choice so.
In addition, you can offer a debit card, which will be transferred to the deposit interest.
In my opinion, the important question - whether the service is provided online banking.When it is available it is not necessary to come to the bank to check the status of your account, you can at any time to do at home, sitting at a computer.
So, in which bank to invest?I think you make the right choice, taking into account their life situation.Maybe for you the decisive factor will be that this bank is not far from home ...
to someone else the best option - the investment of money in the currency.While analysts have warned that the financial market in Europe is not the best of times.The euro in such a situation is hardly reaches dizzying heights.And the US economy does not bode too large growth of the dollar.
If you stop for investing in precious metals (I mean the purchase of coins and bars), then, according to the dynamics of the market, it is preferable to buy silver becausethe largest price increase is projected on him.
But it will be a question again about keeping their purchase.There is no safety deposit box is not exactly get along.
Now you know which bank to invest.But if one bank? ..
There are other profitable investments.For example - real estate.Housing prices are increasing.Yes and surrender its lease will bring a steady income.But there is a caveat that it is desirable to take into account.If you suddenly need money urgently, then the sale of real estate - a rather lengthy process.
Few yet decided to invest in mutual funds (mutual funds).Here, your profit will be entirely dependent on the choice of the mutual fund.Make a selection of yourself properly is almost impossible.Be sure to need expert help.
Where to invest correctly?This question should be solved almost everyone sooner or later.
But always bearing in mind the popular wisdom.I mean the eggs, which can not be put in one basket.
