In the article, we consider what term deposits with banks can be opened.
Even under the conditions prevailing in 2018–2019. In a difficult economic situation, there remains the opportunity to invest your money in such a way as to generate income. One way is to invest in a fixed deposit. When choosing a bank for a deposit, you should first study the offered products to find out which one is the most profitable, where are the highest interest rates and convenient terms.
Traditional ways of investing money - deposits of individuals
There are many ways to invest in passive income. Some people buy currency and wait for its value to rise. Others make money on Forex, invest in PAMM accounts, trade binary options, trying to earn income.
All these methods of obtaining passive income allow you to get a fairly high profit, but they are associated with certain risks. Term deposits in banks, offered to individuals, and in the modern world remain the most traditional and reliable way to invest their own savings in Russia.
Recommendations on choosing the most profitable contribution
When choosing a bank that can be trusted with money, potential investors usually turn their attention to several key parameters:
- Interest rate. This allows you to choose the banking product that will bring the maximum income.
- Reliability of a banking organization. This parameter allows you not to worry about the safety of money, even if a crisis occurs.
It is quite difficult to find a banking organization that combines these two parameters — sufficient reliability and a high percentage of the deposit.
The most profitable deposits in the most reliable banks in Russia
Each bank has its own line of the most profitable products having unique conditions that it offers to its potential customers. Today, there are quite a few term deposits for 3 months or longer offered by reliable organizations and having rather high interest rates.
At the beginning of 2019, the most profitable deposits are the following (it is worth noting that the information may change if the bank decided to change the terms of the product, so it is recommended to check with a specific bank).
"Profitable online"
This time deposit can be made at Rosselkhozbank. A potential client can count on making a profit on such a contribution of up to 8%. You can place an amount of at least 3,000 rubles. The terms of placement are 31-1460 days. The deposit can be prolonged at the request of the client. Interest on it is accrued at the end of the term.
"Maximum income with Halva"
This name has the contribution offered by Sovcombank. The client can count on making a profit on such a contribution of up to 8.65%. The minimum amount to be paid into the account is 50,000 rubles. The terms of placement on the deposit are 31-1095 days. In accordance with the terms of the product, the client can replenish the deposit. Prolongation is also provided. Interest on the product is accrued at the end of its term. Today, this is the highest percentage of all banking offers.
What other term deposits in banks are popular?
"Dreams"
This deposit is offered by Moscow Credit Bank. The offer is valid until 01/31/19. The investor can place a minimum of 50,000 rubles, and replenish the deposit whenever possible. The term of the deposit is 380 days. This product has an interest rate of 8%. The deposit is extended by the bank, but, unfortunately, there is no partial withdrawal of funds. Interest, as in previous cases, is accrued at the end of the product.
"My income"
This contribution is offered by Promsvyazbank. Its validity period is 122–731 days, and the interest rate can reach 6.75%. Upon opening the product, the depositor may deposit at least 10,000 rubles into the account. Banking organization provides for the possibility of prolongation of the deposit, preferential termination, capitalization. Interest is accrued at the end of the validity period.
Maximum Online
This profitable term deposit is a product of VTB24 Bank. The offer is valid until 01/31/2019. The client on such a deposit will have to deposit at least 30,000 rubles into the account, but at the same time he can expect to receive up to 8% of the profit. The term for placing funds on the product is 380 or 1080 days. The Bank provides for the possibility of capitalization. Partial withdrawal and replenishment is not possible. Interest is accrued monthly.
Everyone wants to make an urgent deposit at a high percentage .
"Big jackpot"
This product is an offer of Alfa Bank, valid until 01/31/2019. The client can expect to receive 8.18% of profit if he places at least 50,000 rubles in the bank. Terms for deposit placement - 1-3 years. This product provides for capitalization. The possibility of partial withdrawal and replenishment is missing. Interest is accrued every month.
"Percentage higher"
Profitable product offered by Gazprombank. This offer is valid until 02.28.2019. A client, placing 100,000 rubles or more in a bank account, can count on receiving 7% of income. The term for placing funds in this case is 270 days. The deposit provides for extension, partial withdrawal, no replenishment. Interest on the deposit is accrued at the end of the product.
"Reliable"
Otkritie Bank offer. This is a term deposit of 3 months or more (up to 730 days). The minimum deposit amount is 50,000 rubles. The interest rates on this deposit are 6.27–7.5%. The contribution provides for capitalization. Partial withdrawal and replenishment are not possible. Interest is calculated every month.
“Without a passport”, “Big plans”
Quite popular Sberbank products. The offer of the bank is valid until 01/31/2019. The terms of placement on these deposits are 5 and 12 months, and the minimum deposit amount is 50,000 rubles. The client on such deposits can count on making a profit in the amount of 7–7.4% of the amount of invested savings. The Bank does not provide for any partial withdrawal or replenishment. Interest on the product is accrued at the end of the deposit.
What other urgent deposit can be made at Sberbank?
Save Online
Perhaps the most popular contribution. Its popularity is due to the fact that the minimum amount of accommodation is only 1000 rubles. Moreover, the interest rate is 5.15%. The placement period for this product is 31–1095 days. It is possible to prolong this term deposit in Sberbank, capitalization and monthly interest accrual.
That is, there are currently many profitable banking offers that are constantly updated. Therefore, absolutely anyone has the opportunity to choose the product that will be convenient for him.