The most profitable contribution to the bank. The most profitable deposits in banks

Deposits are one of the most popular services that are offered by modern financial institutions. Deposits are the simplest form of investment. All that is required of a person is to choose a suitable financial partner in the person of a large bank, to take their savings and put them on the account. At the end of the term of cooperation, the amount of capital will be increased. The only issue that should be decided on the eve of making a deposit is to determine which most profitable contribution to the bank is at the moment.

General issues

Focusing on the term of placement of capital on the bank account, you can identify time deposits and demand deposits. The latest format of the program provides for the possibility to withdraw funds from the account at any convenient time, but this advantage goes against the size of the interest rate. As a rule, it will be minimal among all the offers available on the market. Let's indent and focus attention on the fact that the most profitable contribution to the bank provides for a large capital and long term partnership with a financial institution. Small deposits for a short time can not provide such a percentage of profitability. It is always necessary to take into account the rule: the more extensive access a bank customer has to his savings, the less he will have a level of profitability. The most profitable are deposits with a period of one year or more.

The most profitable deposit formats

The most profitable deposits in banks can be both savings and savings. Savings deposits can not be replenished, and the initially assigned interest will be accrued to the primary amount of capital. The second format of the program allows replenishment of the deposit, while the percentage will be calculated by the amount that will be on the account at a certain point in time.

The maximum increase in deposit funds guarantees a compound interest, also known as capitalization. Its essence lies in the fact that the monthly base amount deposited on the deposit is recalculated taking into account the interest, and in the subsequent period their accrual is carried out not only on the size of the main deposit, but also on the previously calculated interest. The process is repeated all the time until the deposit term expires.

Calculated, indexed, and OMS-deposits

For some categories of customers, favorable deposits in banks of St. Petersburg and other cities are estimated. The format of partnership with the bank provides for the possibility of replenishing the account. The customer receives a debit card on his hands. An obligatory condition is the availability of the amount stipulated in the signing of the partnership agreement on the account. Another interesting variant of the deposit is a structured product. It can yield profitability several orders of magnitude higher than standard programs. This category of investment is considered highly risky, but with a successful combination of factors, the yield on the deposit can reach 20% in a few months. Another interesting and unconventional option of multiplying their funds is OMC (or impersonal metal accounts). They can be very highly profitable, and in some situations the most profitable. Banks do not pay interest on such deposits, but a jump in the price of precious metal on the international market during the deposit can ensure a return of up to 100% or higher. Here already as will carry.

What is the most beneficial contribution, or to Each his own?

In order to clearly calculate what the most profitable contribution to the bank can be made, it is necessary to build on your needs and goals. Depending on the priorities, different people will have different preferences. For example, OMS will be an ideal solution for those who work in the future. Gold, being an exhaustible resource, is constantly becoming more expensive, and in the next few years its price can not only double, but also triple. Probable profitability is simply incommensurable with typical deposits. People who plan to purchase expensive equipment will appreciate the deposits with replenishment, as they will have the opportunity not only to save some money, but also to receive interest on them. Simple accumulation of capital will bring maximum benefit only with the capitalization of interest.

Interest rate - maximum attention

Advantageous deposits in banks of Moscow and other cities are not those for which the maximum interest rate is offered. It is important to know that the CBR tightly controls this indicator, supporting it at a more or less stable level. If a financial institution offers a rate several orders of magnitude higher than the average on the financial market, it is a signal that the financial institution has problems with liquidity. The interim administration is introduced into those institutions that try to attract investors atypically beneficial offers.

Why should we abandon the biggest bet on the market?

Choosing the highest possible deposit rate on the market, you can and then do not see your money. Large bets can be offered by small banks, which only earn themselves a client base. The main thing here is not to miss and not invest in an institution whose existence is questionable. After examining the question of which banks have profitable deposits, it becomes clear that it is better to agree on the average interest rate in the average commercial bank, optimizing the ratio of profitability and risk. The optimal amount of charges in 2015 varies from 10% to 12%.

The currency of the deposit is

The yield of a deposit depends on its currency. According to experts, it is necessary to invest money in the monetary unit in which they are planned to be spent. Otherwise, as a result of the course jumps, you can not only lose interest, but lose some of the funds. For example, you can take a recent depositor who chose the most profitable deposits in Moscow's banks in rubles, planning to make a purchase later in time in dollars. The choice of programs was made taking into account the fact that deposits in national currency came with a higher interest. As a result, an abnormal jump in the rate over the past six months not only "ate" all the income, but also a large part of the capital. In order to return the lost in dollar equivalent, you need to make investments at 50% per annum, which is simply impossible for the domestic financial market. The most reliable and profitable is the contribution in dollars, since the currency is a reserve currency. Even with the fluctuation of the rate, it is getting stronger, and against the backdrop of recent economic events, the chance of its decline is virtually nonexistent.

What deposit can be classified as profitable?

Today, amid stiff competition in the financial segment, many banks offer beneficial interest on deposits to all their customers. Often, at a high rate, additional fees or harsh conditions for partnerships may be hidden. Some financial institutions can completely deny interest, and even impose a fine for premature termination of the contract. This likelihood should also be foreseen. Favorable deposits in banks of St. Petersburg should be flexible. We welcome: the choice of currency and several periods of deposit storage, charging compound interest and commission-free partial withdrawal of funds from the account. That the decision has appeared correct, and the most favorable contribution has been chosen, in bank it is necessary to be sent after careful studying of all information.