Contributions are one of the most sought after.services offered by modern financial institutions. Deposits are the easiest investment format. All that is required of a person is to choose a suitable financial partner in the person of a large bank, take their savings and deposit them in an account. At the end of the cooperation period, the amount of capital will be increased. The only question that should be resolved on the eve of a deposit is to determine which is the most profitable deposit in the bank at the present time.
General issues
Focusing on the term of capital allocation on the accountBank, you can select time deposits and demand deposits. The latter format of programs provides for the possibility to withdraw funds from an account at any convenient moment, but such an advantage comes at the expense of interest rate. It, as a rule, will be minimal among all offers available on the market. Let's indent and focus on the fact that the most profitable contribution to the bank involves the presence of large capital and a long partnership with a financial institution. Small deposits for short periods can not provide such a percentage of profitability. It is always necessary to take into account the rule: the more extensive an access a bank customer has to his savings, the lower his return level will be. The most profitable are considered deposits for a period of one year or more.
The most profitable deposit formats
The most profitable deposits in banks can be assavings and accumulative. Savings deposits can not be replenished, and the initially assigned percentage will be charged on the primary amount of capital. The second format of the program allows the replenishment of the deposit, while the percentage will be calculated on the amount that will be on the account at a certain point in time.
Maximum increase in depositsguarantees compound interest, also known as capitalization. Its essence lies in the fact that the monthly base amount deposited is recalculated based on interest, and in the subsequent period their accrual is carried out not only on the size of the principal contribution, but also on the previously accrued interest. The process is repeated continuously until the deposit expires.
Calculated, indexed and MHI-contributions
Profitable deposits for some categories of clientsin banks of St. Petersburg and other cities - this is calculated. The format of partnership with the bank provides for the possibility of replenishing the account. The customer receives a debit card. An obligatory condition is the availability of the amount specified in the partnership agreement when signing the partnership agreement. Another interesting deposit option is a structured product. It can bring profitability several orders of magnitude higher than standard programs. This category of investment is considered to be high-risk, but with a successful combination of factors, the yield on a deposit can reach up to 20% over several months. Another interesting and unconventional option to increase one's own funds is the MLA (or impersonal metal accounts). They can be very profitable, and in some situations, the most profitable. Banks do not pay interest on such deposits, but a jump in the price of precious metal on the international market during the deposit period can provide returns of up to 100% or more. There is already as lucky.
What is the most profitable contribution, or to each his own
In order to clearly calculate which oneProfitable contribution to the bank can be made, you need to build on your needs and goals. Depending on priorities, different people will have different preferences. For example, the MLA will be the ideal solution for those who work for the future. Gold, being an exhaustible resource, is constantly becoming more expensive, and in the next few years its price can not only double, but also triple. Probable returns are simply incomparable with typical deposits. People who are planning to buy expensive equipment will appreciate deposits with replenishment, as they will be able not only to save some of the money, but also to receive a percentage on them. Simple capital accumulation will bring maximum benefit only with the capitalization of interest.
Interest rate - maximum attention
Profitable deposits in banks of Moscow and other cities- These are not the ones for which the maximum interest rate is offered. It is important to know here that the Central Bank of the Russian Federation tightly controls this indicator, keeping it at a more or less stable level. If a financial institution offers a rate several orders of magnitude higher than the average in the financial market, this is a signal that the financial institution has problems with liquidity. The temporary administration is introduced into those institutions that are trying to attract investors with atypically favorable offers.
Why it is worth to refuse the biggest bet on the market?
Choosing the highest deposit rate onmarket, and then you can not see your money. Big bets can offer small banks that only accumulate their customer base. The main thing here is not to miss and invest in an institution whose existence is in question. After studying the question of which banks have profitable deposits, it becomes clear that it is better to agree to the average interest rate on the average commercial bank, optimizing the ratio of profitability and risk. The optimal size of charges in 2015 varies from 10% to 12%.
Deposit Currency Matters
The yield of a deposit depends on itscurrency. According to experts, you need to invest money in the monetary unit in which they are planned to be spent. Otherwise, as a result of rate hikes, it is possible not only to lose a percentage, but also to lose some of the funds. For example, you can take the recent depositors, who chose the most profitable deposits in Moscow banks in rubles, planning to make a purchase after a while in dollars. The choice of programs was made taking into account the fact that deposits in national currency went with a higher percentage. As a result, the anomalous jump in the course over the past six months has not only "eaten" all the income, but also most of the capital. In order to return the lost in dollar equivalent, you need to make investments at 50% per annum, which is simply impossible for the domestic financial market. The most reliable and profitable deposit is considered in dollars, as the currency is a reserve. Even with the fluctuation of the exchange rate, it is growing stronger, and against the background of recent economic events, there is practically no chance for its decline.
What deposit can be classified as profitable?
Today, amid fierce competition in the financialsegment, many banks offer profitable interest on deposits to all their customers. Often, a big bet may hide additional commissions or strict partnership conditions. Some financial institutions can completely deprive interest, and even impose a penalty for premature termination of the contract. This possibility is also worth considering. Profitable deposits in St. Petersburg banks should be flexible. Welcome: the choice of currency and several periods of storage of the deposit, the calculation of compound interest and commission-free partial withdrawal of funds from the account. To make the decision correct, and the most profitable deposit was chosen, one should go to the bank after careful study of all the information.
