"He retired and lives on interest"magic phrase. So immediately it seems - the sea, yacht, villa, cigar ... what else should there be under the script? But how realistic is it for "mere mortals"? Well, most likely, just "live on interest" will not work. But why not try to get your money to work for us? Well, at least a little ... Still it will be easier! How to do it? Take their bank. Although, to begin with, we must understand what kind of contribution to choose.
Select deposit period
"How soon can I need money?""Perhaps this is the first question that a person who has decided to open a bank account should ask himself. Responding to it, you will be able to determine the term of your deposit. The choice here is huge - banks provide deposits for almost any period of time - a month, a year, several years. And some of them went even further - you can set an exact closing date for the account. Let's say that after 52 days, one of your close jubilees and you, of course, will need money. So, you can open a deposit exactly for 52 days. Convenient, right? As a rule, when opening a deposit, people pursue one goal - to make sure that money starts to bring the maximum profit. But, unfortunately, life sometimes presents unpleasant surprises - there may be an urgent need for money. Even if before that you were sure that you will not need them in the near future. What contribution do you need to make to make money work efficiently, and it was most convenient for you? All banks work on the same principle - the less you have the freedom to manage your deposit, the greater the percentage on it. And this is quite understandable. After all, knowing precisely that you can not "pull out" your money before the deadline, the bank can freely dispose of them throughout this period. It's another matter if you can take money at any time. Of course, banks are not profitable.
Main types of deposits
- Contribution Classic
By this deposit, you will receive the maximumincome. It works very simply. You put money and, before the set deadline, they "freeze". That is, you can not replenish the account or withdraw money from it. If you are absolutely sure that you can "forget" about your money for a while, then it is better to choose it.
- Deposit with the possibility of replenishment
As a rule, this deposit has an average yield. The idea is that you can add money to your account, but you will not be able to withdraw them. This type of deposit is very convenient for those who have money "all the time disappearing somewhere." Having received the next payment, you simply put it on the account. Thus you will protect yourself from unnecessary temptations.
- Deposit with possibility of replenishment and partial withdrawal
The interest on this deposit is the smallest, butfreedom - much more. You can not only make money, but also withdraw them from the account. True, within the amount determined by the bank. This contribution is convenient for those who are not very confident in the future and want to have "ways of retreat".
If you are far from the world of finance, all thesetraders, brokers, currency exchanges, etc. - then you can only determine the currency that is most profitable for investments, intuitively. By the principle of "I believe / do not believe". Although there is another possibility - to open a multi-currency deposit. It is believed that this is a good way to reduce risks. The bottom line is this. When you open a deposit, you receive several accounts in different currencies. As a rule, the three most popular ones are used - the ruble, the euro and the dollar. All your money is distributed in bills in any proportion. The Bank sets a separate rate for each currency. If necessary, you can give the bank an order and transfer money from one account to another. In this case, all the terms of your deposit remain in effect. Deposit is one! There are three accounts on it. The only problem - for this account you will constantly have to "keep an eye on", tracking fluctuations in rates. Otherwise, what's the point in it?
Select a bank
First, you need to decide which banks you have moretrust - private or public. In private, as a rule, interest rates are higher. But are they so reliable? In Russia there is a system of insurance of cash deposits. It extends to commercial banks. What does it mean? This means that if your contribution is less than 700,000 rubles, then you will get your money back anyway. Whatever happens to your bank and whatever it is - public or private. The state agency for deposit insurance will return them to you. However, if you have several accounts in one bank and the total amount of money on them exceeds 700,000, then immediately you will still receive only this amount. And the rest of you will be paid in installments. What to do? Specialists recommend opening several accounts in different banks. Then all your deposits will fall under the state "insurance". In order to decide which bank to entrust its money to and what contribution to choose it is necessary to study the conditions for deposits of various organizations. So you can find the most suitable and advantageous offer for you.
Attention and once again attention!
Before opening a deposit, the bank will offer yousign a contract. This document will determine all your further relationships with the organization. The interest rate, the type of deposit, penalties for early termination - all this information is spelled out in the document. You must clearly understand what you are agreeing to. In order to protect yourself from unpleasant surprises, it is recommended to study the contract in advance, in a relaxed atmosphere. You can just go to the bank and ask to print the document. Read it "from cover to cover" - especially what is written in small print. If you have any questions, be sure to ask them before signing.
Banking commissions are the money thatyou will be taken for deposit operations. The problem here is that not all of them are spelled out in the contract. You did read it, did not you? Sometimes the commission is "hidden" in the tariffs for transactions on accounts. Be sure to study these rates - they can significantly affect the profitability of your deposit. Well, it seems more or less understood how to choose a contribution. Shall we try? And let the villa and yacht for the time being remain only in dreams, but maybe at least for a pair of shoes and a new dress they - our money - will be able to earn us? We advise you to read: