Retired people are a special category of investors. Most of them have home savings. Understanding this, banks offer deposits for senior citizens with favorable interest. Bankers enable people to understand that it is better to store funds not at home under the pillow, but in a bank account.
Why is it better to keep money in a bank?
Pensioners are quite trusting people who can often let strangers into their apartment. Those who want to rob a pensioner know where the money is most often with him, and they introduce themselves as employees of a pension fund or charity. The visual purpose of their visit is to provide some assistance to a pensioner, but in reality, after a visit, the latter lose money. Not every pensioner claims such cases to the police, and finding such “benefactors" is then quite difficult, because they change clothes and appearance (hair color, wear dark glasses, etc.). Keeping money in a bank is much more reliable than at home, in addition, the funds can be in safe hands and bring customer income. That is why many financial institutions offer deposits for senior citizens with favorable interest rates.
Binbank: deposits for pensioners
This financial institution offers for its clients of retirement age profitable options for placing funds for accumulation and additional income.
The contribution “Maximum Percentage”, although it is not provided by the developers of the product as purely retirement, will be interesting for this category of citizens. The minimum deposit amount is 10 thousand rubles. The interest rate varies depending on the term and amount of the deposit. For example, when making a deposit for a period of 31 to 90 days, the rate of income with an increase in the amount will increase from 6.2% to 6.5% per annum. If you conclude a contract for a period of 91 to 180 days, you can make a profit in the amount of 9.7 to 10% per annum. It is possible to open a deposit for a period of 6 to 12 months. In this case, the rate of return will range from 9.95 to 10.25%. The maximum term of the deposit is 1095 days.
Deposits for retirees at Binbank - it is profitable! The worthy pension deposit program is an opportunity to invest in several currencies. A deposit in rubles can be opened for a period of 181 to 365 days (9.25%), from 366 to 729 (8.35%) and up to 1095 days (7.50%). A deposit can be opened in dollars. The rate of return on deposits for a period of 181 to 365 days is 2.2%. If you open a deposit for a longer period (for example, from 366 to 729 days), then the yield will increase slightly and amount to 2.65%. The interest rate on dollar deposits for a period of 730 to 1,095 days is 1.95%. The deposit is also valid in euros.
Bank of Moscow: offers for pensioners
This bank offers for people of retirement age deposit programs exclusively in national currency. For example, the conditions for the deposit "Maximum income" are as follows:
- minimum deposit amount - 1000 rubles;
- term of the contract - at the option of the client (from 91 to 1095 days);
- deposit interest rate - 9% per annum.
Deposits for pensioners in the Bank of Moscow - it is very profitable! The bank also developed a program for the passive earning of additional funds “Maximum growth”. The deposit period and minimum amount is the same as in the deposit described above. Interest rate - 8.68%. The Bank of Moscow offers its customers a Savings Account, which is valid for an indefinite period. Pensioners can replenish their account and withdraw money without restrictions, while receiving 5% per annum as income. Also, bank experts developed a program called "Current Retirement". The deposit amount and the placement period depends only on the pensioner's desire, and the income will be 4% per annum.
Deposits for pensioners in other banks
Many Russian banks have developed special deposits for clients of retirement age. For example, "Sberbank of Russia" offers a deposit "Replenish". The minimum deposit amount is 1000 rubles. The interest rate on the investment is 8% per annum. Money can be placed for up to 3 years. The yield of the deposit may gradually increase. The “Save” deposit can also be issued at this financial institution. At a rate of 9.07% per annum, pensioners can place money for a period favorable to them.
Rosselkhozbank also works with pensioners. Elderly people can also increase their cash reserves by working with this bank. "Rosselkhozbank" offers profitable deposits for senior citizens with maximum interest. The Pension Plus deposit provides for replenishment, and the minimum amount for the first deposit is 500 rubles. The interest rate will suit all customers, because Rosselkhozbank provides its customers with the opportunity to earn 9% per annum when opening a deposit for 1 year and 8% - when placing a deposit for 2 years.
Deposits for seniors are a profitable way to save money in a safe place and a good opportunity to get additional income.