If you want to keep your earnings and savings from depreciation through inflation, a bank deposit is the best way to achieve this. By placing money in the bank, you will regularly receive interest accrued on this amount.
It is necessary
- -money;
- -access to the Internet;
- -passport.
Instructions
Step 1
Placing money on a bank deposit is a way to save and increase your funds with the least risk. The financial market offers a large number of deposits with various conditions, which must be carefully studied before concluding an agreement. It should be remembered that deposits of up to 700,000 rubles are insured in our country, because banks working with nat. persons are required to participate in the deposit insurance system. If you want to place a large amount on accounts, it is better to split it into several banks or open accounts for different members of your family.
Step 2
Decide in what currency you will keep your funds. It is believed that saving savings or taking out a loan is better in those banknotes in which you receive your salary. But since there is no complete confidence in the stability of the ruble exchange rate for the long term, financial analysts advise dividing funds into several currencies in approximately the same proportions to reduce risks. In this case, the losses arising from the depreciation of one of them will be covered by the profit from the growth of the other.
Step 3
Find the investment that's right for you. You should not rush to the nearest branch of Sberbank or another large bank. Interest rates in them, as a rule, are below the market average. In order not to be buried under an avalanche of information from different banks, it is recommended to visit the Internet portal www.banki.ru. Enter on this site the amount on hand, indicate the parameters you are interested in and study the offers.
Step 4
Having chosen the deposit you like, go to the bank's page with detailed conditions for the deposit. Pay attention to the following things: the type of interest accrual (at the end of the term or every month), the presence of capitalization of interest (attaching them to the amount of the main contribution), the possibility of additional deposits and early full or partial withdrawal of money from the account. Banks often offer various bonuses for people opening a deposit with them. This could be a free credit card or a gift of some kind. Don't be lazy! Count several deposits in different banks. A seemingly insignificant difference in conditions can have a significant impact on the total amount of your income.
Step 5
Go with your passport and money to the bank branch, conclude an agreement and deposit them at the cashier. It should be remembered that deposit is a conservative saving tool for your funds. If you keep money under your pillow, each year your savings decrease in proportion to the rate of inflation. Deposit interest is usually slightly above this level. Thus, it will come in handy in the process of saving for a large purchase, but it is not worth pinning hopes on it for making money. For this purpose, it is better to use other financial instruments.
