Keeping money in the bank is still better than at home under the bed. At least the accrued interest will somehow allow you to protect your savings from inflation. In addition, in the event of a bank collapse, the state will return the invested money to you in the amount of up to 1.4 million rubles. But nowadays, money is not an asset to be kept. If there is any substantial capital, it is better to transfer it into more reliable or profitable assets: real estate, business, securities, gold.
It is also worth considering that licenses are often taken away from most banks. Therefore, it is recommended to keep savings in several banks registered in the deposit insurance system at once, while the amount of the deposit in each of them should not exceed 1.4 million rubles. - the maximum amount of deposit coverage in case of revocation of the bank's license.
Most people wonder what currency is the best way to store their savings. The most preferred currency is the dollar. But if possible, it is better to keep money in several currencies. If the bank in which you kept a deposit in foreign currency suddenly revoked the license, then the amount of the deposit with insurance compensation will be converted into rubles at the exchange rate on the day the license was revoked. It is best to leave funds for a long period (1-3 years) with the possibility of partial withdrawal.
Is it worth trusting all the savings to manage the bank?
You should entrust your own funds to the management of the bank, especially if it is a large amount. It is necessary to approach this with responsibility, since there are still risks. It is best to choose banks that have a guarantee from the government.
Which banks are systemically important in Russia
Banks play one of the main roles in the country's economy. In addition, during the period of economic crisis, these organizations can suffer quite badly, but the state can prevent this from happening. This year, the rating of the 10 most reliable financial institutions was updated, according to the Central Bank. There are special requirements for such banks. Below are the top ten banks that have been awarded the status of systemically important organizations:
UniCredit Bank is a commercial institution that has been operating since 1989. Today it is the representative of the European banking group UniCredit in Russia.
Gazprombank is one of the most reliable Russian banks. Designed to finance infrastructure projects in the oil and gas industry.
VTB is also a fairly large and reliable bank. It ranks second in terms of equity capital, the amount of deposits and the size of assets (Sberbank is in first place).
Alfa Bank is also one of the largest private banks. It is assigned ratings from an international rating agency.
Sberbank is the largest bank in terms of assets and equity capital.
The opening is a private and, no less than all the others, a large credit institution. Ranked fourth in terms of assets. Founded in 1993.
Rosbank is part of the Societe Generale, a universal European bank group, which has more than 150 years of history.
Promsvyazbank is one of the top 3 private banks in the country and is a commercial and universal lending institution with more than 20 years of history.
Raiffeisenbank is a subsidiary. Has been operating since 1996.
Rosselkhozbank is intended to finance the population of villages and villages. Offers a huge list of services for the rural population, provides loans to farmers, as well as funds for infrastructure projects in rural areas.
In addition to cash deposits in banks, you can buy securities, invest in goods that can be stored for a long time and which you can then easily sell. Another option is to invest a large amount of money, for example, in real estate. That is, buy an apartment and rent it out.
