For those who want to increase the profitability of their bank deposits, today there is an investment opportunity. For this, banks offer a relatively new option for investments - an investment deposit, which assumes that in addition to the usual bank deposit, part of the funds is placed on the stock market.
Active investors who wish to personally become the creators of their financial destiny can open individual investment accounts. With their help, they can independently manage their funds, buy and sell shares, take risks, take profits, invest further, etc. Good fun for gambling people.
For those who want a quiet life and do not want to delve into the nuances of the stock market, banks offer investment deposits. Then all transactions will be carried out without the participation of depositors, who, however, will have the opportunity to choose the shares where they will trust to invest their funds, but only from the list provided by the bank.
An investment deposit consists of two parts - a regular deposit, on which a bank interest is accrued in the usual way, and a part of funds that will work with mutual investment funds.
Before making this choice, each person should remember that the game in the stock market, as well as in any other place, is a game. You can win or you can lose. Therefore, making an investment, no one knows what the final percentage will be on it. It can be very high, very low, or not at all.
But there is one very fundamental difference between this game and others - you cannot lose your contribution. With or without interest, it is guaranteed to be returned to the owner. Therefore, the entire risk comes down to the loss of interest if the deposit were a regular deposit, and such a risk for many depositors may seem quite acceptable.
However, banks provide an opportunity to increase risks, an investment deposit agreement can be concluded in two ways: with or without a risk premium. In the first case, it is possible to significantly increase the profitability of investments, but the risk premium paid from the deposit is not subject to return.
With the second option, the client does not have to worry about the state of the stock market. As already mentioned, the contribution will be returned in full.
Thus, in a successful combination of circumstances, the depositor at the end of the contract is guaranteed to receive a percentage from the deposit part, plus an even greater percentage from the investment part of the deposit.
Now, briefly about the banking conditions, where first of all you need to take into account an important detail. If the deposit part of the deposit up to the amount of 1, 4 million rubles is insured by the state and it will be returned even if the bank disappears, then the return of the investment component in force majeure circumstances is not guaranteed by anyone.
That is why you need to think ten times with which bank to conclude such an agreement. Well, a person who has decided to conclude an investment deposit agreement needs three things: a passport, a completed application and money.
However, he must know several conditions. It is possible to withdraw the invested money ahead of schedule, but only the entire amount in full and without interest accrued at the moment, which are possible to receive only at the end of the deposit placement period.
During the term of the agreement, it is impossible to replenish the deposit, just as it is impossible to prolong its validity, it is only possible to conclude a new agreement later.
On the income received, you must pay 13% of taxes, not counting on any investment benefits.
