What profitable contributions for pensioners can banks offer?

The task of preserving and increasing their savings has always been important for pensioners. Ensuring the safety and growth of their savings - it's not so simple as it may seem.

But with a competent approach to analyzing the available proposals for the most famous and popular method of preserving funds - bank deposits - you can, in any case, receive small incomes and a sufficiently high level of investment reliability, without having any special knowledge. So, let's figure out what are the beneficial deposits for pensioners, interest rates on pension deposits, and in general, where should I go for a deposit?

How to make a deposit for pensioners?

But little financial literacy is required in determining the appropriate bank. In order to issue a deposit, some documents are required:

- passport or other document for identification;

- TIN and, if necessary, other documents required by the bank (before going to the bank, it is best to specify this list in advance);

- certificate of a pensioner - if it is planned to open a pension contribution.

In a situation, if the pension is transferred from another account, then its requisites should be provided. The rest of the operation for opening a deposit is very simple: contract processing and depositing takes no more than one hour. Special requirements are not provided for beneficial contributions for pensioners . In addition, the reason for retirement does not matter. If there is a pension certificate on the hands , the bank has no right to refuse to open the deposit, even if the pension is not old-age.

What are the conditions for making deposits?

Since depositors-pensioners are not a particular category of banking clients, it is therefore worthwhile to consider simple bank deposits and special pension plans.

When choosing the most advantageous offer, first of all one should pay attention to several criteria:

1. The interest rate is the key parameter of any contribution. For the actual profitability of the deposit, it should be higher than the inflation rate (in 2014, inflation was 6.5%), and the more such an indicator, the more profitable it will be to invest money. The most profitable contributions for pensioners do not always open at high interest rates. This should also be remembered when opening a deposit.

2. The minimum amount of the deposit. Pension deposits, as a rule, are issued from one thousand rubles (although there are also deposits with a minimum threshold of one hundred rubles).

3. The possibility of making funds in the future, and how interest is accrued when the amount is increased.

4. How exactly are interest accrued. They can be included in the total amount of the contribution and increase it.

5. Is it possible to partially withdraw funds without early closure of the deposit. The longer the term, the more important this condition becomes.

6. In addition, pensioners are also very important that the contribution can be disposed of in the event of death without performing additional operations. Luckily, banks also have this option.

7. Possibility of extending the deposit (its prolongation). The interest rate will be determined depending on the terms of this deposit at the time of its renewal.

In addition, attention should be given to the bank itself. Given the current state of the banking system in our country, one should be very careful with trusting their savings even for the largest institutions: it is practically impossible to predict which bank will fall into the regulators' field of vision. Advantageous deposits for pensioners can be found in almost any financial institution, you just have to look at what conditions are offered.

For this reason, if the deposit is required to be opened in excess of the maximum amount that can be reimbursed under the deposit insurance program (seven hundred thousand rubles), then it is best to apply immediately to several banks and divide the amount or apply to one of the state banks.

What is the difference between a pension deposit and a simple deposit?

Formally, such contributions differ only in that a pension certificate is required to register a pension. In addition, in most banks it is only possible to open beneficial deposits for pensioners to those clients who keep their pension in the fund of this financial institution. Even the conditions of simple deposits and pension schemes can differ according to two criteria:

- Interest rate. Pension deposits, as a rule, open at a higher interest rate. But do not forget that the market of banking services has also ordinary deposits, for which the rate is higher than for pension ones.

- Mild conditions concerning the early termination of the contract.

What major contributions can banks offer to pensioners?

The two main types of pension deposits are demand deposits and urgent. The first is very convenient to open for simple receipt and saving of pension savings, while the latter allow you to save and increase them.

Not every bank can be offered a special product for the elderly. In general, such products are only large organizations that are actively developing work with retirees, offering them new products.

Other conditions of deposits for pensioners practically do not differ in any way from the conditions for simple deposits:

- The opening dates are from one month to five years.

- Currency can be any, in addition, some organizations can offer a multi-currency deposit.

- Interest rates range from three to eleven percent, and their transfer is mainly carried out monthly.

- If the contract is terminated ahead of schedule and all the money is withdrawn from the pension deposit, the interest will be determined based on the refinancing rate for the bank formula.

Where can I open the most profitable contributions for pensioners?

1. Savings Bank is traditionally very willing to work with people of retirement age. Of course, they are not offered special deposits for this category of the population, but at the same time, depending on the term of the deposit, they are given the highest interest rate.

2. Gazprombank offers deposits on special terms for Gazfond's clients. The amount for opening is one hundred rubles, the interest rate is a maximum of six percent, and the term is from six months to one and a half years.

3. Rosselkhozbank has a special contribution "Pension Plus". The minimum amount for registration is 500 rubles, and the rate - up to 8.5%, the period - from one to two years. In this case, it is possible to partially withdraw funds, keeping the rate to a minimum threshold of 500 rubles. Extends the contribution in the event of its unclaimed automatically.

4. Favorable deposits for pensioners are also offered in the bank Eurokommerz. To date, he has one of the highest rates - 10.5% on the contribution "Pension income" and 10.25% on the deposit "Pension capital". These deposits are opened for a period of one and a half to three years, the minimum amount for opening is two thousand rubles. Also, both deposits have the possibility of replenishment. The only difference between them is that the second one assumes the capitalization of interest, that is, the increase in the amount of the deposit due to the addition of interest to it.

5. In addition, Unicornbank can boast of high rates - up to 10%, the minimum threshold of opening is one thousand rubles, the deposit term is up to one year, and partial withdrawal of funds is not provided.

In addition to the above, many other banks can offer pension deposits.

Conclusion

Pension deposits are the most affordable way to save and increase the savings for a short or long term. Today, a variety of banks can offer lucrative deposits for retirees. The search and comparison of proposals in this situation is the most expedient. Although interest rates for today are not very high, it is not difficult even to find an offer in which the rate will be higher than inflation, even in the largest state banks.