What long-term investment to put money on. Settlement and cash services

Long-term deposits in banks are essentially strategic savings and are opened in a bank for a year or more. Along with increased interest, which guarantee passive income, they also carry increased risks.

The concept of a long-term deposit stands for a deposit in a bank for a period of more than a year. It is possible to withdraw the deposit only after the expiration of the term. There are cases when long-term deposits in banks were kept for more than ten years.

What is the difference between deposit and deposit? The difference between a deposit and a deposit lies in the fact that it is deposited. A deposit is money that a client transferred to a bank for the purpose of keeping and making a profit. But a deposit is a kind of storage of valuables, but not necessarily money. The deposit can be securities, shares, precious metals, etc.

It happens. A person makes a contribution for a long time for a child. As an example: a contribution in favor of a third party. When the child turns eighteen, he will be able to use the savings. All the time the deposit exists, interest, additional contributions, etc. are accrued to it. Such a contribution, as a rule, is replenished.

What are the deposits? Deposits fall into three main categories: demand deposits, term deposits and conditional deposits.

If you live in Ukraine and make a long-term deposit, it is better to open a deposit in hryvnia. This currency is stable, and the dollar or the euro is constantly “falling” or “rising”. Also, on hryvnia deposits, quite decent interest. Some Ukrainian banks offered up to 27% per annum. Last years interest rates are decreasing due to the soft monetary policy of the NBU.

Long-term investments have disadvantages...

It is dangerous to trust money to a bank for a long time. A few years ago, in Ukraine, several banks “left”. The bankers have not yet paid the depositors the money and have not returned the savings. According to experts' advice, you should not make deposits in banks that are not members of the Deposit Guarantee Fund for individuals. Also, you do not need to invest more than the sum, the return of which is guaranteed by the state.

For a bank depositor, the Fund guarantees the amount of money for his deposit and the amount of money in the amount of the deposit, including the amount of money, arrears on the day the National Bank of Ukraine decides to make a decision to the bank to the category of non-platform, and the amount of money in the amount of deposits is not successful, and .www.fg.gov.ua/depositors/guarantee/

If something happened to you and you urgently need money, you can close the deposit account without waiting for the expiration date. Of course, you will have to make a payment for material costs. Usually this is a write-off of interest charges or their reduction.

Also, the bank may impose a penalty for non-compliance with the contract. Before you sign the papers for the agreement to open the deposit, read it carefully. The bank may demand a payment for closing a deposit that has not yet expired. As you can see, it is not profitable to close the deposit before the expiration date. Bank employees will never agree to your terms, because they also protect the rights of the bank.

Profitable long-term deposits with replenishment: main tasks and interest rates

The main task long-term deposits with replenishment - to accumulate and increase. Such deposits are chosen by people in order to raise a significant amount for an expensive purchase. For example: to buy a house, a car, to pay for education, start a business or go on vacation.

What is a bank deposit? A deposit (bank deposit) is an amount of money placed by a depositor in a bank for a definite or indefinite period. The placed funds are used by the bank as working capital, which are used to make a profit.

Today, interest rates for placements in foreign currencies are lower. Also, financial experts strongly recommend placing cash in different currencies, diversifying monetary assets.

What is investment diversification? Diversification of investments - (from lat di versus different + facere to do; English diversification of investments) distribution of the investor's capital by investing in different types valuable papers. In our version: for different currency deposits.

A person who wants to manage funds wisely will be guided by personal desires and needs. If a long-term deposit is chosen for a period of 1 year or more, then a person’s needs are reduced to the following points:

- The desire to receive passive income, expressed in the monthly receipt of dividends in the form of an interest rate
- Accumulation of funds to make large and expensive purchases. People save up to buy dachas, apartments, cars, household appliances, and so on.
- The ability to protect funds from the harmful effects of inflation

These are the main tasks that are solved when placing funds on long-term deposits not only of Russian banks. With the help of the financial instrument in question, profit is fixed and insured against an unplanned reduction in interest rates.

It is recommended to choose those programs for which the bank offers a fixed or growing interest rate. Variations that link to volatility, especially floating rate offerings, are best left to experienced and knowledgeable investors.

It is worth noting that the client, having placed funds in a large volume and for a long time, often receives privileges and preferential terms for other types of banking services from a financial institution. Accordingly, the profitability of such an investment will be higher. Use insurance for guarantees. A good example is the issuance of a loan at a minimum interest rate, the possibility of lending secured by a deposit, minimizing commissions and other incentives.

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What interest on deposits can be expected in case of long-term placement of funds on deposit?

Rates for long-term programs will be higher than for short-term ones. So, the average interest on offers from 1.5 years and above will be higher than on deposits for up to 1 year. Today, the average rate on a long-term profitable deposit for a period of 3 years can reach 14-15% per annum. If we take in comparison similar programs for 3, 6 and 12 months, then here you can count on the maximum percentage of 10-11% per annum. Check the relevance of interest rates, as they change constantly. It depends on many economic factors of this or that state. For example: in Russia, deposits can become cheaper, at the same time, in Ukraine, Belarus, they can rise in price, and remain stable in Kazakhstan and Moldova.

What is the interest rate on a deposit? Interest rates on deposits - interest paid by banks to customers for the use of money placed in a deposit account. A bank is an organization whose income consists of the difference between the price of attracting and placing financial resources.

If a person chooses a cumulative long-term deposit with replenishment, then in this case the rate will coincide with deposits opened for up to 1 year. The more opportunities the program gives the client, the lower the return on investment will be.

What is the real interest rate? The real interest rate is the nominal interest rate minus the expected rate of inflation. For example, the nominal interest rate is 10% per annum and the projected inflation rate is 8% per annum. Then the real interest rate will be: 10 - 8 = 2%.

When choosing long-term deposits, you have to pay attention to the type of currency. Today, interest rates for placements in foreign currency are lower than in Russian rubles and hryvnias.

Also, financiers recommend placing funds in different currencies, since when the exchange rate of one falls, the exchange rate of the other automatically increases. Thus, this method is used to protect against inflation and generate a stable income on the deposit. Investors use this method when working with long-term investments in the Russian, Ukrainian and foreign financial markets. An example for our region is as follows: 30% in US dollars, 20% in euros and 50% in national currency.

Long-term investment: serious risk or high return?

How to choose a long-term deposit, and this is not only an increased return, but also an increased risk. The Client may terminate the bank deposit agreement ahead of schedule. In this case, many financial institutions recalculate the interest rate at the “on demand” rate. The savings will be returned, but the income will be minimal. Given inflation, you can lose on this.

Not everyone knows how to handle money carefully. If a large and expensive purchase is planned in the coming years, then learn how to correctly use the financial instruments that are available today. One of these solutions is long-term deposits offered by domestic banks.

Advantages of long-term deposits

Remember that investing money for a long time on the terms of a long-term deposit is always a risk. However, long-term investments have inherent advantages that need to be taken into account. What are the benefits?

- Unlike most programs, higher interest rates are charged on such deposits. At a minimum, such deposits offer 0.5-1% more than traditional ones.
- According to experts working in the financial market, up to 90% of banks allow you to replenish a long-term deposit opened for a long time. This is a good factor for people who seek to accumulate a significant amount in their account.
- Profit will increase if the client has chosen a deposit, which provides for the transfer of interest with capitalization, as a rule, on a monthly basis.
- A client, when opening a long-term deposit, can count on a reduction in expenses for other banking services. It is worth remembering that many banks have loyalty programs for customers. Special conditions are expected when placing funds on deposits: discounts on the rates of certain types of banking services, discounts on opening accounts, preferential car loans, minimizing interest rates on loans, mortgages, microloans, etc.

What is the capitalization of interest on a deposit? In other words, the calculation of interest on interest. Thus, the capitalization of interest increases the effective rate on the deposit and the total amount of income received. The most common is monthly capitalization of interest, when accrued interest is added to the principal amount of deposits once a month.

There are always pitfalls

Choosing a long-term deposit is no exception. One example is the lack of capitalization and the ability to replenish savings. However, this is not the worst. The client signing the agreement needs to be sure that the interest rate will be at the same level during the entire validity period. Often, banks go to tricks and tie deposits to a hidden indicator. Thus, during the term of the history of the deposit, the interest rate may decrease.

How to choose a reliable long-term deposit, so as not to “burn out”?

1. Select reliable bank with a good reputation
2. Independently study the conditions of the programs. Pay special attention to footnotes and text written in small print. As a rule, additional fees and restrictions are hidden here.
3. If your own knowledge is not enough, then involve an experienced specialist who will study the documentation himself and help determine the program with the most favorable conditions for investing capital

Finally, it must be remembered that the client can terminate the bank deposit agreement ahead of schedule. In this case, financial institutions recalculate the interest rate at the demand rate. This factor should also be taken into account when choosing a deposit for several years.

Today, a lot of people are thinking about where it is profitable to invest money with minimal risk and good income. Investing is one of the most popular options for making a profit, but not all methods are safe. Therefore, before investing your savings in a particular project, you should weigh the pros and cons, and only then make an informed decision. In our difficult and economically unstable time, the best option for investing funds is a bank deposit, where the state is responsible for the money of depositors. In the event of bankruptcy of a financial institution, an amount not exceeding 1.4 million rubles is paid. But this is provided that the bank is in the lists of the register of the deposit insurance system. That is why you should choose with maximum responsibility the bank to which you want to entrust your funds in order to make a profit.

Today, hundreds of banks operate in the country, offering customers a variety of deposit products. There really is plenty to choose from. Particular attention should be paid to long-term deposits, which enable the investor to make good money. What is the peculiarity of such deposit programs? This issue requires more detailed consideration.

What are long-term deposits

It is worth saying that more recently, this investment option caused fear among people, some are still afraid to trust the bank with their savings for a long period. Basically, these fears are that the economic situation in the country is not stable, and even experts cannot predict what will happen in a few years. However, the desire of people to earn money, while doing absolutely nothing, still turns out to be stronger. Yes, and it makes sense to keep financial resources at home if you can easily earn money on them.

Long-term deposits in banks are a type of investment where the depositor puts his money into a deposit account on a long-term basis without the possibility of early withdrawal. That is, you can withdraw funds only after the expiration of the contract.

Attention! Long-term deposits can be opened for any period at the request of the client from 1 year and last for tens of years. Most often, banking organizations offer deposit programs for up to 10 years. At the same time, among the variety of deposit products, there are very often long-term replenished deposits, which, if desired, can be replenished at any time, thereby increasing the amount of the deposit.

What you should pay attention to when choosing a long-term deposit:

this is a replenishment opportunity. In this case, one should take into account the moment that a slightly lower interest rate will be offered on the replenished deposit, but the interest is always charged on the final balance. That is, the larger the amount on the deposit account, the greater the benefit;
pay attention to the moment of withdrawal of funds. Each investor must understand that profitable long-term deposits do not imply such a function as partial or early withdrawal of funds from the account. Therefore, giving preference to such a deposit, one should take this moment into account and choose the optimal time period for the deposit agreement;
whether capitalization is provided for the deposit. This feature makes it possible to calculate interest on both the initial amount and the monthly balance. Most often, the most profitable long-term deposits have interest capitalization. But here it is worth considering all the terms of the deposit agreement, since they may differ in different banks, and the benefit of the depositor will depend on this.

Many financial and credit organizations also offer such a type of deposit as a long-term savings deposit. In this case, the very name of the deposit speaks for itself, namely, that it must accumulate funds. Depositors give banks their savings, and they, in turn, offer favorable terms of cooperation and an attractive interest rate. But it is worth considering the moment that in this type of deposit, the more favorable the conditions for the investor, the lower the interest rate. Most often, credit institutions offer the following types of savings deposits:

with a nominal rate. That is, throughout the duration of the deposit agreement, interest will be accrued at the interest rate that is prescribed in the agreement and was originally set;
with rising interest rates. As a rule, here you will need to immediately deposit a rather large initial amount and without the possibility of further replenishment. Over time, a small interest rate will increase, and at the end of the deposit, the investor will be able to get quite a decent income;
with interest capitalization.

Deposits, Long-term

Deposits placed for long periods, as a rule, have a higher yield. If the client is willing to wait up to 5 or more years, the bank is willing to pay higher rates for such patience.This means that a long-term bank deposit will help not only save, but also increase savings.

Long-term deposits are the most profitable for several reasons. First, the nominal interest rate on them is initially higher than on deposits for shorter periods. Secondly, the effective interest rate (with capitalization of interest, when interest accumulates from month to month like a snowball) can be even higher. For example, for deposits for 5 years, it can exceed the nominal value by more than 3%.

In addition to higher returns, long-term deposits have another advantage. They make it possible to fix the interest rate for a sufficiently long period. And if banks start to reduce rates, this will not affect your profitability, since the rate remains unchanged high throughout the entire term of the deposit. Let's find out what Russian banks offer the most attractive conditions for long-term deposits.

Maximum income - up to 11.25% per annum in rubles - provided for the deposit "Nota - Capital" in Nota-Bank. Such a rate can be obtained by placing an amount of 1 million rubles or more for a period of 3 years or more (the maximum deposit period is by agreement of the parties). By placing a smaller amount - from 30 thousand to 1 million rubles - for the same period, you will receive a yield of 11.1% per annum in rubles. The deposit can also be opened in US dollars, euros (yield - 0.6-3% per annum), Swiss francs (yield - 0.3-2.75% per annum). Interest is paid at the end of the term, to the current account or bank card account. Interest capitalization - no. Replenishment and partial withdrawal of funds are not provided. Early termination - at the demand rate. The deposit can be opened in Moscow, Yekaterinburg, Irkutsk, Krasnoyarsk, Korolev, Nizhny Novgorod, Orenburg, Rostov-on-Don, St. Petersburg, Surgut, Tyumen, Ufa.

Preservation of the rate in case of early withdrawal of funds from the deposit provided for the deposit "Without loss of interest" in the Russian Trade Bank. Interest is accrued at the rate for the actual term of funds in the deposit: 181-369 days - 5% per annum in rubles, 370-546 days - 10.52% per annum, 547-730 days - 10.53%, 731-912 days - 10.54%, 913-1095 days - 10.86%, 1096-1460 days - 10.9%, 1461-1825 days - 11.15%. That is, you decide to place funds for 5 years, then the rate (11.15%) will remain if the funds lie in the deposit from 4 to 5 years. The minimum amount to open is 50 thousand rubles. Interest payment - every month, to the current account. Interest capitalization - no. Replenishment is possible, but no later than 30 days before the end of the deposit period. Partial withdrawals are not allowed. The deposit can be opened only in Moscow.

Monthly payment of interest is also provided for the "Monthly income" deposit in Interactive Bank. This option is suitable for those who do not want to wait for the end of the deposit to receive income . Interest is paid every month, capitalization of interest - at your request. The minimum amount to open is 500 thousand rubles. The rate is 11.01% per annum in rubles for placement of funds for 5 years. Replenishment and partial withdrawal of funds are not provided. Early termination - at the demand rate. The deposit can be opened only in Moscow.

Monthly interest payments are also provided for "Term" deposits in RTS-Bank, "Stable Income" in Ivy Bank, "Universal" in Noosphere Bank, "Savings Plus" in Taatta Bank. Quarterly payment of interest - on the deposit "Nadezhny" in the bank "Kansky".

And the deposit "On your terms" in the bank "Credit-Express" suggests that the depositor himself can choose when he will receive interest - once a month, quarterly or at the end of the term. By placing funds for a period of 1 year or more (the maximum period is not limited), you get a yield of 9% (amount - from 50 thousand rubles) or 10% per annum in rubles (amount - from 50 thousand rubles). In dollars and euros - 3.75% per annum (the minimum amount is from 1 thousand dollars or euros). Interest capitalization - no. Replenishment is possible, the minimum amount is 3 thousand rubles or 200 dollars / euros. Partial withdrawals are not allowed. Early withdrawal of funds - at the demand rate. The deposit can be opened in Moscow, Mytishchi and Rostov-on-Don.

Maximum freedom of disposal of funds provides a deposit "Universal" in the bank "Noosphere". The minimum amount to open a deposit is 10,000 rubles. The rate for placement of funds for a period of 5 years or more is 10.5% per annum in rubles. Interest payment - monthly, without interest capitalization. The investor can both replenish the deposit (in order to end up with a higher yield), and withdraw part of the funds (if necessary). The minimum replenishment amount is 1,000 rubles. The minimum minimum balance for partial withdrawals is equal to the initial deposit amount. Early termination - at the demand rate. A deposit can only be opened in the Altai Republic (in Gorno-Altaisk, Ongudai, Ust-Koks).

If you do not have large sums for placement, then the Savings Plus deposit at Taatta Bank will suit you. You can open it with only 3 thousand rubles (100 dollars or euros). The term is 5 years. The rates are 10.38% per annum in rubles, 4% per annum in dollars and euros. The rate in rubles is indicated for the entire term; only two interest periods. The first 730 days - 10.2% per annum, the next days - at the refinancing rate of the Central Bank of the Russian Federation +2.25% per annum. Interest payment - monthly, interest capitalization - yes. Replenishment and partial withdrawal of funds are not provided. Early termination - on preferential terms. On the deposit, you can get an increased rate by placing a large amount: 5-10 million rubles (or the equivalent in foreign currency) - by 0.3% per annum, 10-15 million rubles - by 0.6%, more than 15 million rubles - by 1 % per annum in rubles. A deposit can be opened in Achinsk, Kansk, Krasnoyarsk, Moscow, Nizhny Ingash, Rostov-on-Don, Simferopol, Sevastopol, Uzhur, Uyar, Ytyk-Kyuel, Yakutsk.

Open online (via Internet banking) you can deposit "Strategist online" in the bank "Saint Petersburg". The rate for placement for a period of 3 years or more (the maximum period is not limited) 9.5 (amount - from 10 thousand rubles) and 9.6% (from 1.5 million rubles) per annum in rubles, 3.9 (amount - from 500 dollars) and 4% (from 50 thousand dollars) per annum in dollars, 3.4 (the amount - from 500 euros) and 3.5% (from 50 thousand euros) per annum in euros. At the request of the depositor, a bank card of VISA / MasterCard payment systems is issued without charging a commission for servicing the main card, or for 50% of the cost of annual card servicing (depending on the amount of the deposit). Interest payment - at the end of the term. Capitalization is not. Replenishment is possible, the minimum amount is 5 thousand rubles, 300 dollars / euro. If an additional deposit is credited to the deposit account 30 days or less before the deposit expiration date, then interest is accrued on its amount at the current demand deposit rate. Partial withdrawals are not allowed. Early termination - at the demand rate.

Table 1. "Top 12 most profitable long-term deposits"

Bank, deposit	Min. sum	Term
	1 million rubles
Russian Trade Bank, "No Loss of Interest"	50 thousand rubles	4 years - 5 years
Interactive bank, "Monthly income"	500 thousand rubles
NK Bank, "Urgent"	10 million rubles
Bank "Kansky", "Nadezhny"	100 thousand rubles
RTS-Bank, Urgent	50 thousand rubles
Ivy Bank, "Stable Income"	700 thousand rubles	6 years and 6 months
Bank "Noosphere", "Universal"	10 thousand rubles
Bank Taatta, Savings Plus	3 thousand rubles
"Credit Express", "On your terms"	390 thousand rubles
"Investment Union", "Cumulative"	3 million rubles
Bank "Saint Petersburg", "Strateg online"	1.5 million rubles

Data for September 2014

In all the variety of ways to use free funds, bank deposits are one of the most profitable options. Since they allow you to earn income in the form of interest paid, and at the same time do not require any serious effort from the client, more and more people choose them. The most important thing to do is to find a suitable deposit program. For example, deposits with capitalization in Moscow are one of the most profitable types of deposits. It can bring you a very good income even without the highest deposit interest rate in Moscow.

Deposit calculator with capitalization in Moscow

Despite a long contract with a lot of conditions, almost every one of us is looking for a program option that will allow you to open a deposit at a high interest rate in Moscow, and practically does not pay attention to other conditions. Meanwhile, such an important deposit parameter as the capitalization of interest on a deposit account in Moscow has a huge impact on the level of income that can be received.

A deposit with interest capitalization in Moscow differs from the classic type of deposit in the following parameters:

in a classic deposit, interest is calculated based on the initial amount that you placed on the deposit;
a deposit with interest capitalization in Barnaul implies the addition of accrued interest to the "body" of the deposit, and the subsequent calculation of interest based on this increased amount.

Obviously, even without taking into account the rates on deposits with capitalization, in this way you can get much more income than on deposits without capitalization. And if we consider a deposit with replenishment and capitalization in Moscow, when you yourself can further increase the “body” of the deposit, then this is an even more profitable option.

There is only one important nuance regarding the interest of this type of deposit: without a detailed calculation of the deposit with capitalization in Moscow, do not rush to immediately choose a deposit program only upon the availability of such an opportunity. Without taking into account all the important parameters and values, you can miscalculate and face uncomfortable conditions for yourself.

It is quite difficult to make such a calculation on your own and choose the best deposits with capitalization, so use the calculator for deposits with capitalization in Moscow, which you will find on this page:

Enter the initial conditions.
Click on the search button.
The system will select for you a complete list of suitable options with a description of the conditions for each.

After that, you will be able to quickly study all the necessary information and make an informed decision on opening a deposit in Moscow.

Where is it better to open a deposit with capitalization in Moscow?

It will not be difficult to find where the best deposit with interest capitalization is: many banks work with this type of program in 2020 (Sberbank, VTB, Russian Standard, etc.), so there is plenty to choose from.

The main criteria for a successful selection are:

high interest rate;
acceptable closing conditions, partial withdrawal and replenishment of the deposit;
bank reliability.

“Remember that money has the ability to multiply” - these words belong to the outstanding American politician Benjamin Franklin. And he already knew a lot about money matters, not without reason his portrait is depicted on a hundred-dollar bill.

This statement is echoed by the common Russian expression: “money to money”, which is especially fond of being used by fellow citizens who are insolvent in financial matters, justifying their unwillingness to delve into these issues in order to manage money wisely. But money, indeed, goes to money, and they are really capable of "multiplying". All over the world, at all times, people invested any money surplus in any business or value in order to preserve and increase their capital. Money must work.

But how do you get them to work for you without any investment skills or any special knowledge? It would be useful for each person to master at least the basics of managing their own money in order to be able to competently manage them, because losing what has already been accumulated is as easy as shelling pears (just remember the millions of gullible compatriots who once invested money in financial pyramids). If financial literacy leaves much to be desired, then it would be wiser to turn to professionals, entrusting them with investment issues, or arrange cash deposit in a reliable bank. Deposits can not only save your savings, but also increase them.

High competition forces banks to offer very attractive conditions for depositors. You can place your funds for a variety of periods - you can open a short-term deposit (for up to one year), you can open a long-term one. The longer the deposit period, the better conditions are offered to customers. This is natural, because it is more profitable for the bank to borrow money for a longer time. So, the interest rates of deposits for the same amount, but for different periods, can differ quite significantly. For example, if you invest 10 thousand rubles in a conditional bank for a three-month period, then the yield will be about 6.6%, and a deposit of the same amount for 3 years will bring more than 10%. If the amount is large, then the difference in profits will be significant. Depositors of higher amounts receive, accordingly, a higher interest rate.

Banks strongly encourage the opening of long-term deposits, developing various bonus programs for this. One of the "sweet" proposals is interest capitalization - a variant in which the monthly accrued interest is added to the principal amount, which is thus constantly growing, and the next interest is accrued on the increased amount. Clients who open a long-term deposit are often offered by banking institutions on the security of this deposit. A long-term deposit has, perhaps, one significant drawback - the inability to withdraw money before the expiration of the established period without losing interest. But, if earlier, a depositor who withdraws funds ahead of schedule was subject to penalties, today banks behave more loyally in such a situation.

Thus, the conditions offered by banks are clearly more favorable for long-term deposits than for short-term ones. Therefore, if you have the opportunity to set aside a certain amount of money for several years, a reasonable solution would be to open a long-term deposit. But, if in the West long-term investments are a very common practice, then for some reason our compatriots are in no hurry to give banks their savings for a long time, preferring deposits for up to a year. This happens, first of all, because the Russians do not have firm confidence in the stability of the economic situation in the country. Uncertainty about the future, distrust of banks that has become habitual, sad past experience and the unpredictability of how quickly savings may be needed are good reasons for not wanting to take advantage of bank offers on long-term deposits. It is much easier to predict the short term, so the Russians prefer short-term deposits.

But is it worth dramatizing the situation? Yes, the Russian economy is not in the best shape today, and there is a high probability of a further slowdown in economic growth, and inflation does not stop growing. But there is no doubt about the reliability of the banking system, at least you should not worry about your deposits. After all, any Russian bank that accepts funds from individuals is included in the deposit insurance system, which means a state guarantee of saving depositors' money.

DIS protects deposits of citizens, both in rubles and in foreign currency, as well as funds on current accounts. An insured event is the termination of the bank's activities, first of all, the revocation of the license. In this case, depositors must receive compensation from the DIA (Deposit Insurance Agency) within 14 days, which is paid through an agent bank. The return to the depositor of funds, including interest accrued before the insured event, is guaranteed in the amount of up to 700 thousand rubles in each bank. A special fund has been created for this. If the deposit amount exceeds the established limit, it will be possible to receive the rest of the money, but with big losses. Therefore, it is better not to put larger amounts of savings in one bank, but to distribute them over several. Let it not be too convenient, but it is safe. Thus, the most important rule of investment will be observed - the distribution of assets in the investment portfolio.

What is the opinion of experts about which deposits are more preferable - long-term or short-term? What should be considered when choosing a deposit? Marina Nadtochiy, head of the deposit products development department at Alfa-Bank, advises opening short-term deposits in the face of rising rates, then you won’t have to reopen an account with each increase in rates. When the market drops (as is happening now), it is better to make a long-term deposit in order to fix a high percentage for a longer period.

Andrey Stepanenko, Deputy Chairman of the Management Board of Raiffeisenbank, head of the Directorate for Servicing Individuals and Small Business Enterprises, is sure that the preferences of depositors depend on the level of interest rates. At high interest rates, clients opt for longer term deposits in order to lock in the high rate. Deposits with the possibility of replenishment and withdrawal are especially convenient. Deposits opened through the Internet bank are becoming very popular, as they are often given higher rate and saves the client time. A. Stepanenko informs that today mostly short-term deposits are being opened. This is not least due to the slowdown in economic growth, in which people are not willing to save money for a long time. He also noted that recently the average size of the deposit has increased. This concerns, first of all, the segment of deposits up to 400 thousand rubles. According to Stepanenko, this is the savings of the middle class, which would be more correct to call "deferred consumption", and not long-term savings.

As for the most preferred currency when choosing a deposit, here it is necessary to take into account if the client has loans, in what currency he receives wages and carries out the main expenses, what investment plans he has - short-term or long-term. This is a complex question, so it is impossible to give a definite answer. From the point of view of Marina Nadtochy, if a client has a loan, then the funds should be accumulated in the currency of the loan and basic expenses. And the term of the deposit in foreign currency also depends on the frequency with which the depositor plans to use foreign currency savings.

Whatever deposit you ultimately prefer - short-term or long-term, currency or ruble - do not forget that choosing a bank is a serious matter. A more or less large bank can be considered a reliable credit institution, it is good if it is, one way or another, controlled by the state. In difficult times, the state usually provides support to such banks in order to preserve the banking system as a whole, as it was, for example, during the 2008-2009 crisis.