What is the most profitable contribution to Sberbank? What is the most beneficial contribution to Sberbank?

The well-being of Russians is gradually growing. Some can even save small amounts for certain needs. It is desirable that these savings generate revenue. For these purposes, there is a deposit service in banks. They differ in terms of terms, amounts, rates, currency and category of borrowers to which they are oriented. From this article you will learn which is the most profitable contribution to Sberbank.

Organization Details

Sberbank is one of the stable and reliable financial institutions, to which Russians trust their savings. For 2015, the credit institution did not develop new programs. The funds will be attracted by the old ones. What contribution to Sberbank is more profitable in 2015?

For every taste

Depending on the currency, you can invest in rubles, dollars and euros. For fans of "non-traditional" programs there is a special deposit "International" with a minimum amount of 10 thousand (in pounds, francs or yen) and an interest rate of 4.5%. For those who want to save money for travel abroad, there are 7 different options - "Refill", "Manage", "Save" (you can open in the office or personal cabinet on the site), special offers for pensioners.

What is the most profitable contribution to Sberbank in 2015?

Today, a deposit is a way to save money from inflation. According to economists' forecasts, this year it will reach 15%. The rates for the most profitable programs do not exceed 11%. Therefore, if you have a small amount, it is better to choose a program under which the money can be deposited into the account after signing the documents. Deposits from the "Manage" series are provided for customers who intend to withdraw money during the contract period. Interest rates on them are lower than in "Save" and "Refill", but this is a fee for free disposal of funds. The benefit depends on the term of the deposit. If you open the "Recharge online" for the amount of 100 thousand rubles for 6 months, then at the end of the term the client will receive 10.5% per annum (with capitalization), for 1 year - 10.6%.

Types of investments

To understand what the most profitable contribution to Sberbank is for you, you need to answer a few questions:

• Do you plan to replenish your account?
• Will you cash out the money?
• How long do you want to deposit?
• What amount do you have?
• Which currency do you prefer?

Answering these questions, you will be able to choose the most optimal option for yourself. To date, Sberbank offers such types of deposits.

"Save" :

• Without the possibility of replenishment and early withdrawal of funds;
• The minimum amount is 1000 rubles;
• Term - up to 36 months;
• The rate is 6.4-7.7%.

Taking into account the capitalization, the maximum benefit can be obtained by depositing a deposit for 3 years.

"Refill" :

• The name of the program itself indicates that money can be added during the contract period;
• The amount is 1000 rubles;
• Term - up to three years;
• The rate is from 6% to 7.28%.

"Manage" :

• Possibility of replenishment and early withdrawal;
• The minimum amount is 30 thousand rubles;
• Term - 3 months - 3 years;
• The rate is from 5.05% to 6.1%.

These are the basic programs of the Savings Bank. They have "online" -analogues, which can be issued directly in the personal account on the bank's website. And in this case, the interest rate will be increased.

Unique programs

"Multicurrency":

• Term - 12-24 months;
• Currency - rubles, dollars and euros;
• Minimum balance - 5 monetary units;
• The rate depends on the period; It can fluctuate from 0.01% with a balance on the account of 5 rubles to 6.21% if 100 thousand rubles are invested.

"Savings" gives an opportunity to receive additional income, even if the funds were invested for 1 day. The rate fluctuates between 1.5-2.3%, depending on the amount. Capitalization and partial withdrawal are envisaged.

"Profitable" - a deposit without the possibility of replenishing funds during the validity period of the agreement. The relationship between the rate and the term of the deposit is reversed. That is, if you open an account for 365 days, the profitability will be 8%, 12-18 months - 5%, longer term - 3.7%. The minimum amount is one thousand rubles.

"Give life" is a charitable program. Its feature is that once a quarter deductions are made to the fund for helping children at a rate of 0.3%. You can open a deposit for 1 year with a minimum amount of 10 thousand rubles. The rate: from 6.40% to 6.55%.

Option for pensioners

For the most vulnerable category of the population, Sberbank developed special conditions. What is the most beneficial contribution for people in old age? Depends on the purpose of the deposit. If a person invests money in order not to be "eaten" by inflation, then it is better to choose the simplest programs. The percentage of them will be the highest. Terms of programs for pensioners from the basic ones differ at rates.

• "Keep" : from 5% to 7.76%.
• "Replenish" : from 5.3% to 7.28%.
• "Pension Plus" : quarterly rate from 3.5 to 3.67%. You can immediately transfer the pension to this deposit.

Advantageous deposits of Sberbank: interest rates on deposits

For better perception, we have compiled for you the table below:

What is the most profitable contribution to Sberbank? As you can see from the table, "Save online". Since it is impossible to replenish or withdraw money in installments, the rate for using funds is the highest. And taking into account the capitalization, the basis for calculating interest is not the original amount, but increased by the monthly remuneration.

How to make a decision

The ideal deposit consists of the following items:

• Reliable bank;
• Optimal timing;
• Maximum bid;
• capitalization;
• Possibility of replenishment.

Find a deposit that will meet all these parameters is quite difficult. Rushing at high interest rates is dangerous. The CBR officially publishes the refinancing rate. If the bank offers to invest at a much larger percentage, it means that it is experiencing financial difficulties and is trying to attract customers by any means.

It is also important to pay attention to the terms of service. The possibility of replenishment can become relevant for customers. Who save money for the trip. Interest is best received at the end of the term together with the principal amount of the deposit, unless you are going to deposit 1 million rubles. It is important to pay attention to the type of bet. It can vary during the contract period. People who save money on a "rainy day", it is better to look for a deposit with the possibility of withdrawing funds ahead of schedule.

Conclusion

The most optimal variant of the deposit each client chooses himself. Someone invests in order to protect them from inflation. Others save money just in case. Still others even trust their funds to the bank, but they want to be able to control the account. Deposits from Sberbank of Russia are the most profitable offer on the market. Customers can not only control the account, but also invest directly through the Internet at a higher rate.