Modern banks offer many different deposit programs. Each of them has its own conditions, therefore, the interest on them will be different. But in every financial institution there are profitable deposits suitable for high profits. To choose a reliable organization, several factors must be considered.
Bank selection
The most profitable deposits should be made in a reliable bank. Today, financial institutions such as Sberbank and VTB24 are popular. Many believe that bankruptcy will not affect these organizations, and therefore they boldly carry their funds at an unprofitable percentage. But a reliable bank is one that takes part in the state deposit insurance system.
Even if a financial institution goes bankrupt or its license is withdrawn, depositors will still receive their savings. The maximum insurance payment is 1,400,000 rubles. Therefore, it is best to divide the amount and invest it in several banks. Customer reviews indicate that you need to invest only after a thorough audit of a financial institution. Only then can you not worry about the safety of your savings.
Bet selection
Profitable deposits have a corresponding rate. But a high percentage does not mean profitable. It all depends on the size of the amount and the rate that is charged. It should be borne in mind that the size of the percentage also depends on the duration of storage of the amount. Typically, large financial institutions set a small rate on deposits, while small organizations attract customers with high interest rates. But you must carefully choose the institution, as some banks do not participate in the insurance system. It is necessary to choose medium-sized organizations whose rates are in the range of 14-18%. The percentage is floating and fixed. The first changes downward and can increase throughout the entire contribution.
Interest capitalization
There are 2 options for calculating the rate:
- at the end of the entire period;
- after a specific time, for example, every month.
The latter method is also called capitalization. It can be performed every month, as well as once a quarter, a year. These are the most profitable deposits, since the amount on which interest is accrued increases. If capitalization occurs frequently, then it is more profitable for customers. The reviews show that it is this option that most people choose.
Deposits with replenishment and withdrawal of funds
Income deposits are:
The latter option is considered more convenient. A customer can always demand their money. But for such a service a small percentage is charged. In practice, it is clear that the yield is determined by the amount of the deposit and the term of placement. It is best to open a contribution for a long period.
Fixed-term deposits are savings and savings. You can put money on the second type, but not on the first. If a fixed-term deposit is opened, after which the client wishes to take it back, that is, the probability of losing interest or the entire amount. The reviews show that both of these contributions are in demand.
Currency selection
The client needs to determine the currency. Low rates are offered on foreign currency deposits, so many clients use ruble programs. The best choice would be a projected currency with little inflation. Experts believe that it is desirable to divide the contribution into several currencies. Some organizations issue multi-currency deposits.
Profitable deposits are also made in precious metals. Often used platinum, palladium, silver and gold. This is an excellent choice if you place a contribution for a long period, because the prices of materials are only rising. Before concluding a transaction, you need to familiarize yourself with the contract. Banks take a small percentage for conversion operations, this will be known from the contract.
Sberbank
To invest, you can choose Sberbank. Profitable contribution is called “Save Online”. The rate on it is 6-7.7%. To open a deposit, an investment of 2,000,000 rubles is required. For example, you can make a deal for a year with a rate of 7.3%. When this period passes, the account will be 2 150 745 rubles. This result is obtained with capitalization of interest. If desired, interest can be charged every month.
These are the most profitable deposits in banks, since the client receives a stable profit. If you make a deal in foreign currency, the result will be different from the ruble deposit. It is necessary to replenish the account by at least $ 100,000, and in three years the income will be $ 7,000. Due to the advantages of the bank, many customers speak positively of it.
Home Credit Bank"
Get the most profit will allow a profitable contribution. Home Credit offers to use the Profitable Year program. Only it does not provide the ability to manage money without loss of interest. Partial withdrawals are not allowed. If you still withdraw funds before the contract expires, the bank will charge 0.1% per annum. The client can invest from 1,000 rubles, and the maximum amount is not limited. The rate is 7.75%. The interest is capitalized, and it does not change throughout the term. Many customers have already appreciated the benefits of the program, because the reviews about it are only positive.
VTB24 Bank
The most profitable deposits in rubles include the program of VTB24 Bank. On it you can invest free funds for a specific period at interest. Replenishment and expense throughout the entire period is not required.
Interest is accrued every month. Capitalization is made and funds are paid to a separate account. Early termination of the contract is possible only after 181 days. On the “Profitable” deposit, 7.02% is charged.
Gazprombank
The organization proposes to make a “Perspective” deposit, at which the rate is 8%. If issued in dollars, then the benefit will be 1.2%, and in euros - 0.1%. You can invest for 3 years and 1 day. The minimum is 15,000 rubles. Attachments need to be done only once, when opening. Partial withdrawal is not allowed. Interest income is paid after the expiration of the contract. The percentage may be different depending on the amount and term. The rate of 8% is used if the deposit is opened in the amount of 1 000 000 rubles for 181 days.
Russian Agricultural Bank
This bank offers several programs, and one of them is Interest Forward. A deposit opens for 395 or 548 days. A minimum of 3,000 rubles can be invested, and a maximum is unlimited. Interest is accrued the next day for the entire amount. Funds are transferred to a card opened with Rosselkhozbank.
You cannot replenish the deposit. If you open it for 395 days, then the rate will be 7.2%, and for 548 - 7.4%. For amounts in excess of 50,000 rubles, the Amur Tiger card is provided free of charge with a yield of 7% per annum. Each profitable contribution has its own design features and conditions. Before you open it, you need to familiarize yourself with the offers of several banks, and then choose the appropriate one.