The most profitable contributions: overview, conditions, percentages and reviews
Modern banks offer many differentprograms on deposits. Each of them has its own conditions, and therefore the interest on them will be different. But in every financial institution there are profitable deposits, suitable for obtaining high profits. To choose a reliable organization, you need to consider some factors.
Selecting a bank
The most profitable deposits must be registered in a reliablebank. Today, financial institutions such as Sberbank and VTB24 are popular. Many believe that these organizations will not be affected by bankruptcy, and therefore boldly carry their funds at a not very favorable interest. But a reliable bank is one that takes part in the state deposit insurance system.
Even if the financial institution goes bankrupt orwill be deprived of his license, investors will still receive their savings. The maximum payment on insurance is 1 400 000 rubles. Therefore, it is best to split the amount and invest it in several banks. The clients' testimonies indicate that it is necessary to invest only after a thorough check of the financial institution. Only then you can not worry about the safety of your savings.
Select a bid
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 amount of interest depends on the length of storage of the amount. Usually large financial institutions set a small rate on deposits, and small organizations attract customers with large percentages. But it is necessary to carefully choose the institution, as some banks do not participate in the insurance system. It is necessary to choose medium-sized organizations, in which the rate is in the range of 14-18%. The percentage is floating and fixed. The first changes in the direction of decrease and can increase throughout the contribution.
Capitalization of interest
There are 2 options for charging:
- in the end for the whole period;
- through 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 clients. According to reviews it is clear that this is the option that most people choose.
Deposits with replenishment and withdrawal of funds
Profitable deposits are:
- poste restante.
The latter option is considered more convenient. The customer can always demand his money. But for this 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 deposit for a long period.
Time deposits are savings andaccumulative. You can put money on the second kind, but not at the first. If a term deposit is open, then the client wants to withdraw it, that is, the probability of losing interest or the entire amount. According to the reviews, it can be seen that both of these contributions are in demand.
The client needs to determine the monetary unit. By currency deposits are offered low rates, so many customers use ruble programs. The best choice will be the forecasted currency with a slight inflation. Experts believe that it is desirable to divide the deposit into several currencies. In some organizations, multicurrency deposits are issued.
Profitable deposits are also made in preciousmetals. Platinum, palladium, silver and gold are often used. This is an excellent choice if you place the deposit for a long period, because the prices for materials only grow. Before entering into a transaction, you need to familiarize yourself with the contract. Banks for conversion operations take a small percentage, it will be known from the contract.
To invest, you can choose Sberbank. The income is called "Save Online". The rate for it is 6-7.7%. To open a deposit you will need an investment of 2 000 000 rubles. For example, you can make a deal for a year with a rate of 7.3%. When this time passes, the account will be 2 150 745 rubles. This result is obtained with a capitalization of interest. If desired, you can withdraw interest each month.
These are the most profitable deposits in banks, sincethe client receives a stable profit. If you make a transaction in foreign currency, the result will differ from the ruble deposit. It is necessary to replenish the account by not less than 100 000 dollars, and for three years the income will make 7 000 dollars. Due to the advantages of the bank, many clients respond positively to it.
Home Credit Bank"
To receive the greatest profit the contribution will allowprofitable. "Home Credit" offers to use the program "Profitable Year". Only on it is not given the opportunity to dispose of money without loss of interest. Partially you can not withdraw money. If you still get the funds before the end of the contract, 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 during the whole period. Many customers have already appreciated the benefits of the program, as feedback about it is only positive.
The most profitable deposits in rubles include the program of VTB24. On it you can invest free funds for a specific period at interest. Replenishment and consumption throughout the term is not required.
Interest is accrued every month. Capitalization is made, and the funds are paid to a separate account. Early termination of the contract is possible only after 181 days. 7.02% is accrued on the "Favorable" deposit.
The organization proposes to make a deposit"Perspective", according to which the rate is equal to 8%. If you make out in dollars, the profit will be equal to 1.2%, and in euros - 0.1%. You can invest money for 3 years and 1 day. The minimum is 15,000 rubles. Attachments must be performed only once, upon opening. Partial withdrawal is not allowed. Revenue with interest is paid after the expiration of the contract. The percentage can be different depending on the amount and time. The rate of 8% is used in the event that the deposit is opened in the amount of 1 000 000 rubles for 181 days.
The bank offers several programs, andone of them - "Percentage forward". The deposit is opened for 395 or 548 days. A minimum of 3,000 rubles can be invested, but the maximum is unlimited. Interest is accrued on the next day for the full amount. The funds are transferred to a card opened in Rosselkhozbank.
You can not replenish your contribution. If you open it for 395 days, the rate will be 7.2%, and 548 - 7.4%. For a total of more than 50,000 rubles, a "Amur Tiger" card with a yield of 7% per annum is provided free of charge. Each profitable contribution has its own design features and conditions. Before opening it, it is necessary to familiarize yourself with the proposals of several banks, and then choose the right one.