Deposit interest rates fell to historic lows, and today, a good yield is considered to be slightly above 5% per annum. These rates were not conceivable a few years ago. To the chagrin of investors, is no reason to raise rates there, while further decline is more than likely. “B” understands the options available today, investing.Without conditions and obremenenija the decrease in the key rate of the Central Bank (currently 4.5 percent) decreases and the yield of deposits. “If until recently, the decline in yields to below 7% per annum was some psychological barrier for investors, now we are witnessing a historically lowest level in recent history,”— said the Director of Department of retail products of the SMP-Bank Alyona Tuzova. The average maximum rate in the top ten largest banks during the first ten days of July was only 4,63% per annum — another historic low. Only with the beginning of the year it decreased by 1.4%. Thus, the contributions finally ceased to be perceived as a tool for enhancement funds, although to compensate for the real (not official) inflation is unlikely to have fit.If we consider a classical Deposit, conditionally they can be divided into three types: it Is necessary to note that the maximum rate of banks always give the first type of deposits. The ability to freely vary the amount of the contribution, the client will have to agree to a substantial discount on the rate. “Thus, in the first place investor should pay attention on the urgency and optional product and you must start from their own needs placed the funds in the short, medium or long term”,— says the Deputy Chairman of the Board, Bank Vozrozhdenie Natalia Shabunina.”If you want to get the maximum income, then the investor will have to extend the term up to 1,5–2 years”,— says the head of retail sales of Absolut Bank Anton Pavlov.According to the site banki.ru the best rates for deposits for a period of 1 year suggest the following banks: Some banks also offer similar rates but for an amount considerably in excess of the insured by the state (1.4 million rubles). You need to be very conservative in choosing a Bank. Should trust only banks with a high rating, rated one, but better several rating agencies. Especially should guard offer rates that significantly exceed rates from the largest banks.”Account for raschetlivyh the last year have become increasingly popular savings account as an alternative to traditional deposits. The main difference of this product is that you can freely recharge and withdraw your money at any time and in any amount. The banks pay interest on it usually once a month. The banks are more willing to introduce a line of such products, often declaring them relatively high yield.However, in the case of savings accounts you should pay attention not only on the size of the bet. “Deposit interest rate fixed in the contract for the whole period of its validity, although it may be different for different ranges of the amounts and periods within the Deposit, and can not be changed by the Bank unilaterally. At the same time on the savings account, the yield may be changed at any time by notifying clients through anticipated changes in tariffs,” says Alyona Tuzova. Needless to add that few clients is closely monitoring these changes, relying on the originally reported by the Bank rate. “The rate on this product varies by Bank, usually once a month, and this means that yield not projected. Today 4% per annum, and tomorrow it could be 0%”,— comments Anton Pavlov.In addition, the range and scheme of accrual of income. Variants can be different — the calculation on actual or minimum balance a floating rate and so on. At some banks the maximum rate you can get at certain rpm on the map. “Feature of some savings accounts in that the stated rate is valid only up to a certain amount, warns Yuri Gribanov.— The means after this amount, the rate will be lower.” However, this is not a reason to keep on this account only a limited amount of funds — just have to take this characteristic into account. The more that open the same account in the same Bank will not work.Contributions for fans shampanskogo conditions where rates sink to the bottom, many investors trying to catch the elusive profitability, choose deposits with the maximum bet, not always paying attention to the fact that it is not a classic, but the “investment” deposits. Today, a number of banks offer investment deposits at a rate of 7.8–8% per annum, which is almost 2-2,5 percentage points above the maximum interest rates on classical deposits. According to the website banki.ru the highest rates on such products offer the following banks: However, the large banks – “FC Opening”, Gazprombank, Promsvyazbank, ICD — rate of such combined contributions reach 6-7. 5% per annum.To place funds in these deposits is only those advanced users who are well aware of the working conditions of the stock market and the unpredictability of the final earnings. “Investment contribution includes two parts — the classical Bank Deposit and an investment component, which is placed in various financial instruments,— says Alyona Tuzova.— Dokhodnostiü the investment component depends on the performance of investments”.As the investment component are insurance policies savings or investment life insurance products, individual investment account. Moreover, investment product is at least 20% of the total investment, and its term exceeds the term of validity of the Deposit.It is important to remember that unlike conventional Bank deposits the investment part is one that promises maximum income contribution is not subject to the Deposit insurance system. And yield him no one has the right to guarantee. Thus, we are talking about a complex combined product where a high yield is associated with a number of significant conditions. “Upon expiry of the investment Deposit profitability may be significantly lower than if it was a classic contribution, which gives a 100% guarantee,” warns Anton Pavlov.Maria Sinichenkova on deposits from RUB 1 million in the top 10 bankautomat next
