A bank deposit is a common way of saving money for most citizens. However, the conditions for deposits are different. To choose the most profitable option, you should not trust the advertisement or your neighbor; it is better to carefully study the available information and make a deliberate decision.
It is necessary
an identity document
Instructions
Step 1
According to the information posted on the Internet or in the prospectuses of the banks most attractive from your point of view, study the conditions for deposits. Evaluate them by such parameters as the term, the possibility of replenishment, the possibility of withdrawing part of the amount and early termination without loss of interest, the frequency of interest payments, the presence or absence of their capitalization.
Step 2
If you prefer not to keep your savings in rubles, pay attention to foreign currency or multicurrency deposits. For the sake of fairness, it should be noted that interest rates on them are usually significantly lower than those on ruble deposits. Take a closer look at deposits in precious metals (gold, silver). The cost of the latter, as a rule, only grows, and quite significantly.
Step 3
Choose from all active offers for deposits 2-4 the most suitable. Calculate income on them. Stop at the most profitable option.
Step 4
Inquire about the reliability of the financial institution in which you are going to open a deposit. International agencies Standard & Poor's, Fitch and Moody's provide ratings of trustworthy large organizations. If the bank is local, of course, it cannot appear on such lists. Nevertheless, financial statements, as well as information on the composition of shareholders, the amount of capital and the term of work, are usually available on its official website. If there is no such information or it is very scarce, it is worth considering whether it is worth trusting your money to this "dark horse".
Step 5
Be sure to make sure that the bank to which you are going to take your savings is a member of the Deposit Insurance Scheme (CER). If so, then the amount up to 700,000 rubles deposited is guaranteed to be returned in full from the special fund.
