The task of preserving and increasing their savings has always been important for pensioners. Ensuring the safety and growth of their savings is not so simple as it may seem.
But with a competent approach to the analysis of availableproposals for the most well-known and popular method of saving funds - bank deposits - you can, in any case, receive small incomes and a fairly high level of investment security without having any special knowledge. So, let's see what are the profitable deposits for pensioners, interest rates on pension deposits, and in general, where should I apply to open a deposit?
How to make a deposit for retirees?
But a small financial literacy is still required in determining the appropriate bank. In order to make a deposit, some documents are required:
- passport or other document for personal identification;
- TIN and, if necessary, other documents required by the bank (before going to the bank, this list is best clarified in advance);
- pensioner's certificate - if it is planned to open a pension deposit.
In a situation if the pension will be transferred withanother account, you should provide its details. The rest of the deposit opening operation is very simple: it takes no more than one hour to draw up a contract and deposit money. Special requirements profitable contributions for pensioners do not provide. In addition, the reason for retirement does not matter. If there is a pension certificate in the hands, the bank has no right to refuse to open a deposit, even if the pension is not granted due to old age.
What are the conditions for making deposits?
Since retirees are not a separate category of bank customers, therefore, it is worthwhile to consider both simple bank deposits and special pension ones.
When choosing the most advantageous offer, first of all, one should pay attention to several criteria:
one.Interest rate is a key parameter of any deposit. For the real profitability of the contribution, it should be higher than the rate of inflation (in 2014, inflation was 6.5%), and the more such an indicator is, the more profitable it will be to invest. The most profitable deposits for pensioners do not always open at high interest rates. This, too, should be remembered when opening a deposit.
2. The minimum deposit amount. Pension deposits, as a rule, are made from one thousand rubles (although there are deposits with a minimum threshold of one hundred rubles).
3. The possibility of depositing funds in the future, and how interest is charged when the amount is increased.
4. How interest is calculated. They can be added to the total amount of the deposit and increase it.
5. Is it possible to partially withdraw funds without early closing of the deposit. The longer its duration, the more important this condition becomes.
6. In addition, retirees are also very important that the contribution could be disposed of in the event of death without performing additional operations. Fortunately, banks have provided such an option.
7. The possibility of extending the contribution (its prolongation). The interest rate will be determined depending on the conditions of this deposit at the time of its extension.
In addition, attention should be paid tojar. Given the current state of the banking system in our country, trusting your savings to even the largest institutions should be very careful: it is almost impossible to predict in advance which bank will come into the view of regulators. Profitable deposits for retirees can be found in almost any financial institution, you just have to look at what conditions are offered.
For this reason, if the contribution is required to open onmore than the maximum amount that can be reimbursed under the deposit insurance program (seven hundred thousand rubles), it is best to contact several banks at once and divide the amounts or contact one of the state banks.
What is the difference between a pension deposit and a simple deposit?
Формально такие вклады различаются только тем, that registration of a pension requires the presentation of a pension certificate. In addition, in most banks, profitable deposits for retirees are allowed to open only to those customers who keep their pension in the fund of this financial institution. The terms of simple deposits and pension can differ according to two criteria:
- Процентная ставка.Pension deposits tend to open at a higher interest rate. But do not forget that the banking market has regular deposits, in which the rate is higher than on pension.
- More lenient conditions for early termination of the contract.
What main deposits can banks offer to pensioners?
The two main types of pension depositsdemand deposits and term deposits. The first ones are very convenient to open for simple receipt and preservation of pension savings, and the latter allow you to save and increase them.
Not every bank can be offered.special product for the elderly. Basically, only large organizations have such products that actively develop work with retirees, offering them new products.
Other conditions of deposits for pensioners are practically the same as those of simple deposits:
- Opening dates range from one month to five years.
- The currency can be any, in addition, some organizations may offer a multi-currency contribution.
- Interest rates range from three to eleven percent, and their transfer is mainly carried out on a monthly basis.
- If the contract is terminated early and all money is withdrawn from the pension deposit, the interest will be determined on the basis of the refinancing rate using a banking formula.
Where can I open the most profitable deposits for retirees?
one.Sberbank is traditionally very willing to work with people of retirement age. Of course, they are not offered special deposits for this category of the population, but, depending on the term of the deposit, they are given the highest interest rate.
2Gazprombank offers deposits on special conditions for Gazfond clients. The amount to open is one hundred rubles, the interest rate is a maximum of six percent, and the term is from six months to one and a half years.
3The Agricultural Bank has a special contribution "Pension Plus". The minimum amount for registration is 500 rubles, and the rate - up to 8.5%, the term - from one to two years. At the same time, it is possible to partially withdraw funds, keeping the rate until the minimum threshold of 500 rubles is reached. The contribution is prolonged in case of its non-demand automatically.
four.Profitable deposits for retirees are also offered at Eurokommerz Bank. Today, it has one of the highest rates - 10.5% of the “Pension Income” deposit and 10.25% of the “Pension Capital” deposit. These deposits are opened for a period of one and a half to three years, the minimum amount for opening is two thousand rubles. Also, both deposits have the possibility of replenishment. The only difference between them is that the second one assumes capitalization of interest, that is, an increase in the deposit amount by adding interest to it.
5. In addition, Unicornbank can boast high interest rates - up to 10%, the minimum opening threshold is one thousand rubles, the deposit term is up to one year, and partial withdrawals are not provided.
In addition to the above, many other banks can offer pension deposits.
Conclusion
Pension deposits are the most affordablemethod of preserving and a small increase in savings over a short or long term. Today, a variety of banks can offer lucrative deposits for retirees. Search and comparison of sentences in this situation is the most appropriate. Although interest rates today are not very high, but to find an offer in which the rate will be higher than inflation is not difficult at all, even in the largest state-owned banks.
