Bank deposits (deposits with banks) - what is it and what types of deposits are + 4 stages for calculating a deposit

Hello dear readers of the Rich Pro online magazine. Today we will tell you what deposits are in banks and what types of bank deposits (deposits) exist, and also give instructions on how to independently calculate a deposit.

From this article you will learn:

• What is a deposit and why is it needed;
• What types of bank deposits are the most popular;
• How to calculate the profitability of a deposit and where it is profitable to put money on a deposit.

Also at the end of the publication we will give answers to frequently asked questions on this topic.

About what a bank deposit is, what types of deposits banks offer, how to calculate interest on a deposit using an online calculator - read in this issue

1. What is a deposit or a deposit in a bank - an overview of the concept of bank deposit in simple words

Obtaining passive income has always been an attractive method of making money. For it to be stable and constant, investments must be reliable and profitable.

You can invest in securities, play on the stock exchange, make real estate investments. All methods are good in their own way and have their own risks, pluses and cons. Placement of funds in contributions or deposits is one way conservation and augmentation savings.

The terms “contribution” and “deposit” have the same nature of origin. Usually the term "contribution" It applies to private individuals, and the term "deposit" - to legal.

Bank deposit (or bank deposit) - this is money placed in a credit institution in a specific amount for a certain period in order to generate income.

Take note! Deposit is a more generalized concept. In addition to cash, it includes:

• securities investment;
• contributions to the judiciary to ensure judicial proceedings;
• fees to customs organizationsto ensure payment of customs duties;
• ensuring participation in auctions.

In the context of our article, the concepts of “deposits” and “deposits” will be considered synonyms.

Deposits carry 2 (two) main functions:

1. They ensure the safety of savings and savings.
2. Interest accrued on deposits is a stable income.

Deposit currency may be national or foreign. Currently, the Russian ruble is not stable, so there is an increase in popularity dollar deposits or deposits in euros.

Note! One of the reliable ways to save savings is to place them in different currencies.

Bank deposits, when compared with other investment methods, have good advantages.

Advantages (+) of bank deposits:

• The deposit guarantees a stable passive income.
• Making a contribution is simple, it does not require special knowledge. It can be opened without leaving home, online.
• The deposit amount may be small.
• Bank deposits are insured. If the deposit amount is not more than the insured amount, you can not be afraid to lose it.

Main lack of (-) contributions - low interest. Sometimes it does not overlap the inflation rate. You can talk about income only if there is a large amount of cash.

In addition, when withdrawing a deposit earlier than the contractual term, the accrual percentage is minimal. Despite this, large investors prefer to keep some of their own savings in the form of bank deposits.

Having large savings in hand, one must be able to place them correctly in order to be calm and confident in the future.

Next, we will analyze what types of bank deposits are.

2. The main types of bank deposits (deposits)

Banks, attracting customers' funds and placing them later, earn their own profit. Therefore, it is important for them to constantly expand the circle of customers with their own savings. Credit institutions are constantly developing new conditions for deposits, improving the mechanism for their opening and operation.

There are many different deposits, which are different in amounts, terms, terms of provision and interest accrual.

All contributions can be divided into 4 major species. Let us consider in more detail each of them below.

View 1. Term deposit

A fixed-term deposit is the most popular and widespread, has a wide variety of conditions.

Under fixed deposit understand investing money in a bank for a certain period.

Income percentage It depends on the amount and duration of the placement of funds. It may be within4-8% per annum (in rubles), in some banks above. But if the contract is terminated ahead of schedule, the minimum amount is charged.

For example: If put 50 000 rubles the term for a year under 4,85% APRthen taking into account capitalization, the income will be 2 427 rubles.

Type 2. Savings deposit

This contribution can be called "piggy bank". It is characterized by soft placement conditions, it can be replenished, partially or completely removed.

Often he becomes attached to debit card, then it becomes convenient to transfer a certain amount of salary to it so that there is always a sufficient amount of money at hand in case of unforeseen situations. About what a debit card means and how it differs from a credit card, we wrote in a previous publication.

Interest rate on such deposits from 1.5% per annum, i.e with an average deposit balance 50 000 rubles, for the year the income will be 800 rubles.

Earn on it does not work, you can only save your own savings.

View 3. Cumulative contribution

It is opened for the accumulation of funds for an expensive purchase in the future.

It is urgent, it can be replenished, but can not be removed until the contract expires. For such deposits minimum deposit threshold, interest rate - 5-8% per annum.

For example:For calculation, we take the following deposit parameters: amount 50 000 rubles, monthly additional contribution 1,000 rubles, percent 8% APR.

For the year on the account will be the amount of 65 440 rubles: 50 000 - contribution body + 11 000 - replenishment for the year + 4 440 - interest charges.

Type 4. Demand contribution

Their validity period is determined until the time of demand by the investor. These deposits are not intended to generate income. The main purpose of such deposits is to save money or to accumulate a certain amount.

The interest rate on them is only 0.01% per annum, there is practically no minimum threshold - 10 rubles and 5 dollars or euros i.e. from placement 50 000 rubles, the income for the year will be only 5 rubles.

The yield on interest in the same bank varies significantly, it depends on the conditions of the deposit. Have the highest profitability hard-specific deposits: more than a year, specific percentage, impossibility of partial withdrawal etc. The interest rate is higher on long-term deposits, on deposits for significant amounts.

Due to the fact that there are many financial organizations that are involved in raising funds from investors, it is quite difficult to make a choice.

To facilitate the search profitable contribution exists special servicesin which the bank offers on deposits are collected. They offer the function of selecting investment conditions for individual parameters. User must enter the amount, term and other significant deposit conditions and the service will offer the most optimal investment conditions.

5 main signs by which bank deposits can be classified

3. Classification of bank deposits by main features

Anyone, even a novice financier, understands that cash impossible save by putting them back "under the pillow". There is always the temptation to spend or borrow them.

Good to know! A bank deposit may not protect against inflation, but it will save accumulations from unplanned spontaneous spending and ensure the safety of funds.

When deciding to put a deposit in a bank, it is first necessary to understand the conditions and profitability of deposits, to understand the principles and requirements of banks for placing funds in deposits. The main features of the classification of deposits are: term, target, currency, indexing option, investor status.

The following is a classification of bank deposits by main criteria.

Symptom 1. Term of deposit

Standard terms of deposits are from 30 days to 3-5 years. A separate group is allocated deposits without a fixed term - poste restante.

Worth considering!The longer the deposit period, the above guaranteed income on it.

There are deposits for a period tied to a specific event: birthday, Victory Day. Variety are deposits with individual maturities. They allow you to rationally place your own savings and get maximum income.

Symptom 2. Purpose of the deposit

Distinctive features of contributions are the tasks assigned to it:

• There are deposits, the purpose of which is to accumulate funds for an expensive purchase - savings deposits. Credit institutions offer special savings programs: for "New Auto", "Replenish and buy" etc.
• The contribution by which the minimum balance of the account is determined is calledsettlement deposit. It is opened for a specified period, but it is not prohibited to use it for a period of time (except for the minimum balance) Such deposits allow you to effectively manage your own savings, while earning a small income.
• Deposits offered to certain categories of people are called specialized contributions. Their feature is that interest is accrued on an unused account balance. For example: when the pension is credited to the pensioner's account, and he does not withdraw it within a month. The average balance in the account will accrue interest.

There are deposits that open without a specific purpose, their task is to preserve savings in case of unforeseen situations.

Sign 3. Deposit currency

Deposits are ruble, currency, multicurrency.

Ruble deposits have a maximum interest rate in par. It depends on refinancing rates, but may be changed due to the economic situation. There are deposits with a fixed percentage. This condition is specified in the deposit agreement.

Foreign currency deposits accrual of low interest is characteristic. But it is stable and, due to the high level of inflation, despite its size, in total terms, the yield on these deposits may be higher than on the ruble (depending on the exchange rate).

The most profitable are multicurrency deposits. As a rule, they are opened in three currencies: rubles, Euro, U.S. dollars. The advantage of this type of investment is the ability to transfer one part of the contribution to another depending on the exchange rate of currencies. Interest is calculated separately for each currency and converted at the request of the depositor.

Good to know! Deposits can be made out not only in money, but also in other values.For example, in precious metals. The profitability of deposits in this case will depend on the market value of the precious metals at the date of their exchange for money.

Symptom 4. Depositor status

Have the right to put cash on deposit physical and legal faces.

To category individuals include all citizens of the Russian Federation, foreigners. Their deposits are insured by the deposit insurance agency (DIA) in the amount of before 1 400 000 rubles. Read more about personal deposit insurance in one of our articles.

TO legal entities Various enterprises and organizations belong. Their contributions not insured and completely depend on the bank-holder of funds. Profitable interest on such deposits is set by the bank individually depending on the amount and term.

This type is not particularly advertised by banks. It is more profitable for them to use the amounts accumulated by enterprises in their current accounts for free. Although such deposits are quite profitable for companies, due to the fact that the funds in current accounts are accumulating considerable.

By the way there are contributors not being customers of the bank, their goal is to earn on bank deposits.

A variety of deposits allows the depositor to choose the best conditions for investing money and ensure good profitability of the operation.

Phased contribution calculation guide

4. How to calculate the contribution - 4 main stages of calculating the yield of the deposit

Banks, accumulating the money of depositors, distribute them and make a profit. Savings holders get their percent of bank profit.

All sites of credit organizations have deposit calculators, allowing to clarify the amount of return on a particular deposit. In case of difficulties, you can contact the bank manager, who can give an answer to any question.

You can calculate the profitability of the deposit yourself to be sure of the choice of deposit. This process consists of several steps, presented in more detail below.

Stage 1. Determination of interest accrual scheme

The rate in nominal terms is fixed at deposit agreement, the method of calculating interest is also determined there.

There are 2 ways to accrue interest:

1. simple;
2. capitalized charge.

A simple formula is to accrue interest on a contribution for a certain period, provided that this amount is unchanged.

In case of capitalized accrual, the accrued interest with a certain periodicity is added to the total amount of the deposit, the body of the deposit increases, the interest is accrued already for a large amount. This accrual method is more profitable for the investor, but the difference will be significant only with large amounts of deposits.

We described in detail in one of the previous issues what deposit capitalization is and how to calculate deposit income with interest capitalization.

Stage 2. We apply the simple charge formula

To do this, simply calculate the percentage of the amount, taking into account the placement period, according to the formula:

Deposit Interest Calculation Formula

For example: Deposit amount 50 000 rublesduration 90 days, interest rate 5% per annum.

Income for 3 months will be: 50 000*90*0.05/365=616 rubles.

Stage 3. We consider the capitalization and effective interest rate

The final amount of income will depend on the frequency of joining the accrued interest to the main deposit amount.

It is important to consider! With monthly joining, the interest rate will be belowthan quarterly, etc.

Value effective bid depends on the number of capitalizations made and will be proportional to this number.

For example: Upon contribution 50 000 rubles, for a period on 3 of the month with monthly capitalization, under 5% per annum for the second month interest will be calculated already from the amount 50 205 rubles (205 - interest for the first month), etc. For three months, the total amount will be 50 633 rubles. The effective interest rate is 5,02%.

Stage 4. Calculation of the final profit

You can calculate profits using compound interest, or you can simply use deposit calculatorthat any bank has.

To determine the maximum return on deposit, you can analyze various methods of accrual:

Example: Based on an annual deposit of 100 000 rubleswith various capitalization and the same interest rateswithout replenishment.

The table of the effect of capitalization (its frequency) on the effective rate and final profit on the deposit:

The example clearly shows how capitalization affects the effective interest rate on the deposit. The more often it occurs, the higher the yield (provided that the depositor does not withdraw the accrued interest).

On practice, deposits with a monthly capitalization have a lower nominal rate than with a quarterly one.

How to put money on deposit - step by step instructions for beginners

5. How to put money on a deposit in a bank - 4 simple steps

Banks offer various deposit programs to attract customers. In any lending institution, there are many options for investing money.

Worth understandingthat such a variety of programs is more of an advertising move than an offer of radically different conditions.

Having decided to put a certain amount of savings in the bank, the depositor pursues the goal of preserving the savings and earning a little. The magnitude of such passive income depends primarily on the choice of credit institution.

Below is considered in detail step-by-step instruction by opening a deposit, having familiarized with which, you can avoid many mistakes and save your time.

Step 1. Choosing a bank

Despite the fact that deposits in banks are insured by the DIA (Deposit Insurance Agency), you need to choose a stable, reliable organization. Who would like to wait for the return of their own funds when revoking a license from a bank?

When choosing a bank, you should pay attention to 2 main indicators:

1. Reliability.You can check the bank by rating; customer reviews; reporting published on the site.
2. Availability.When choosing a bank, one should take into account the fact of its remoteness from the place of residence or activity. It is convenient to have a deposit in the bank "walking distance".

It is better to open a deposit in the credit organization in which you are already a client (eg, get a loan or open a current account for individual entrepreneurs) Banks are loyal to their customers and can offer very attractive deposit conditions (especially to VIP status customers).

Step 2. Choosing a program for placing funds

On the websites of banks there is all information about the conditions and types of deposits. It is possible to calculate income using the online calculator. Therefore, you must carefully consider all investment options and choose the best one.

The main parameters of the contribution, which must be given special attention:

• percent;
• the possibility of replenishment / withdrawal;
• the frequency of interest accrual, the availability of capitalization;
• requirements for early withdrawal.

It is important to consider! You can not rely on the value of the interest rate as fundamental. It is better to use the calculator to calculate the income for a particular type of deposit.

Also important placement period. It is better to prolong the contract than to withdraw the deposit ahead of schedule without interest.

You can contact deposit selection services. There it is possible to enter the parameters of the deposit and the program will offer optimal investment conditions.

Step 3. Signing the contract

The conclusion of a deposit agreement is a standard procedure and does not present any difficulties.

Presented to the bank passport (for citizens of the Russian Federation) or other identity document (for foreign citizens), and also fill out a card with sample signatures for the possibility of identification. Additionally may be required military ID and residence.

The contract form is standard, when signing, pay attention to the amount, term, interest rate and other material terms of the contribution. After signing, one copy of the contract is transferred to the depositor. When making a deposit online, the contract is sent to the depositor's email.

Step 4. Depositing funds into the cash desk and receiving confirmation of deposit opening

The depositor deposits cash to the bank's cash desk, receives the bank's acceptance cash warrant with the signature and stamp of a bank employee and deposit agreementsigned by both parties. These documents are confirmation of the opening of the deposit.

In some cases, the depositor may be issued savings book. They are slowly becoming a thing of the past, now more often deposits are provided with opening a card account. If you connect an Internet bank to such a card, then you can track all deposit operations.

Many banks provide online deposit opening service. Her advantage that you don’t have to go to a banking organization, stand in lines, wait.

For online contribution you need to go to the site of the selected bank, register on it. In your personal account, activate the service "Open contribution".

Further, depending on the type of deposit, you need to make the necessary information, indicate the details of the account from which the funds will be debited. A confirmation of the opening of the deposit in this case will be a web document marked "Done".

Thus, it can be noted that opening a deposit is not difficult, the main thing is that it brings the expected profit.

6. Where are the best conditions for deposits - TOP-3 banks with favorable conditions for deposits

In order to be sure of their investments, choose deposits of reliable banks. The pursuit of high returns can lead to a disastrous result.

If a credit institution is taken away a license, then the maximum that you can count on is the return of the deposit amount with interest that has already been credited to the account. Interest after revocation of the license is not accrued, you will have to wait for the receipt of funds from 1 months and longer. This is provided that the contribution has been insured.

Take note! Choosing where to invest money, it is better to be guided by the principle "better less is better".

Below matched TOP - 3 bankswhich offer good conditions for depositing and have a fairly high degree of reliability.

1) Sberbank

The largest and most reliable bank in the Russian Federation - Sberbank. His customers are more 139 million people Worldwide. It has the most extensive branch network, representative offices and subsidiaries in the countries of the near abroad, Europe, Asia, and the USA. In this regard, customers are convenient to use its services.

Worth considering, the scale of the bank allows it to be not very mobile, attract deposits not at the highest rates, but be strong and reliable.

The range of offered deposits at the bank is very wide. Suggested here various targeted programs for large investors and for those who need to save money, charity programs.

You can open a deposit in rubles, Euro, dollars. All conditions are presented on the company's website with the possibility of calculating the income percentage. It is possible to open a deposit using personal account Sberbank online.

Minimum deposit threshold low, therefore, bank depositors are customers with different income levels. Interest rate not maximum. You can get a good income only subject to investing a large amount of funds.

The Bank attracts customers with its brand and the presence of a large number of branches and additional offices.

2) VTB 24

The bank is one of the largest Russian credit companies. Focused on working with private individuals, small business, entrepreneurs. Counts about 12 million customers individuals, has an extensive branch network. Has high expert ratings.

Offers wide selection of deposit programs, the opening conditions of which are presented on his website on the Internet. The yield of the deposit is also considered on the site. The bank offers the service of opening a deposit remotely. Deposits open in any currency (rubles, Euro, dollar).

High enough deposit threshold provides an influx of wealthy customers. Higher interest ratethan in Sberbank, the duration of deposits before 5 years, with a good level of reliability makes contributions VTB 24 A popular investment target.

3) PJSC Bank "FC Opening"

The bank operates in the financial market more 20 years, is the largest private bank in the Russian Federation. According to rating agency "Expert RA" takes 7-th place in terms of equity. It has branches in 52 regions of Russia, about 3.5 million customers private individuals.

The Bank has a fully automated range of services for individuals. You can arrange, manage, withdraw deposits on a personal visit to the bank or through the mobile application. Also have Internet bank.

You can open a deposit in any currency. Credit organization offers wide selection of deposits.

The bank is medium contribution thresholdavailable to many customers. Comfortable conditions and high interest rateprovide good return on deposits.

Credit organization offers increased interest on deposits open online to increase the popularity of this service.

For clarity, a summary table is also presented below. by 6large banks with a minimum deposit amount and a maximum amount of interest on it.

Comparison table of deposits with various banks with indicators of the minimum deposit threshold and income interest on them:

Thus, the variety of conditions and values ​​of interest rates provide the client with the opportunity to choose a bank with a good income percentage.

7. How to choose and draw up a bank deposit - 5 useful tips from experts

Previously, in order to open a deposit, it was necessary to bypass the banks of the city, choose suitable conditions and stand in line at the selected credit institution. It required time (the schedule of banks often coincided with the schedule of enterprises) and focus.

Now do it significantly easier, more convenient and faster.

In order to get the maximum profitability and profitability of the transaction, we suggest that you familiarize yourself with expert advice in this area.

Tip 1. The interest rate should not be the cornerstone for choosing

When opening a deposit, the main attention is paid to the interest rate. It would seem that everything is correct, deposits are insured, no need to worry about their loss. But it is true only provided that the bank has no financial difficulties.

Worth consideringthat during the term of the deposit agreement a license may be revoked from the bank. Then you will have to get back the deposit amount with minimal interest. At the same time, when placed in a reliable credit institution at a lower interest, the amount of the depositor’s income for the same period will be higher.

The individual conditions of the program must be taken into account: Availability and periodicity of capitalization on deposit, the possibility of replenishment and withdrawal etc.

Tip 2. Break one contribution into several

It’s important to remember: “You cannot store all eggs in one basket.” This saying perfectly describes the following advice.

If there is a large amount of savings, it is better to distribute them among different banks.

Compared to a single deposit, opening several deposits at various banks has the following advantages:

• reduction of the risk of loss of income with possible financial difficulties at the bank;
• the ability to choose the most convenient individual conditions for placing funds.

Can open multicurrency deposit, which also has its advantages.

Advantages of a multicurrency deposit:

• the ability to freely manage the account;
• if necessary, you can convert the contribution;
• reduction of losses from inflation.

The best option is to place a deposit proportionally in three currencies: rubles, dollars, Euro.

A person who is not afraid of risk and wants to learn how to manage his own investments can be opened investment contribution.

A feature of an investment deposit is the separation of the deposit into 2 parts:

1. contribution;
2. investments in mutual funds (mutual investment funds).

Interest on the deposit is accrued in the standard mode. The profitability of investments in mutual funds depends on many factors. Moreover, the investment object is selected by the client independently.

Thus, opening an investment deposit, you can make good money under a successful set of circumstances or lose half of the deposit if the investment was unprofitable.

Tip 3. Place funds only in credit organizations

If by placing his savings in a deposit, the investor expects to return them back, then not allowed trust unverified companies that entice customers with fabulous interest.

Need to contact only to those credit organizations in which deposits are insured in Deposit Insurance Agency (DIA). Their list is available on the website of the Agency and the Central Bank of the Russian Federation.

Important! Often, various credit cooperatives, unions and other financial communities disseminate information about the insurance of their activities. Usually it is advertising move.

If the interest rates offered by them are very attractive for the client, then it is worth checking the information about such companies.

There are several ways to evaluate the reliability of a credit institution:

• For a personal visit to the company officewhere all documents should be in the public domain;
• View company website. In this case, it is worth paying attention to the experience of its activities, the size of assets, the amount of liability for obligations;
• Examine customer reviews on independent thematic forums.

It will be difficult for a non-specialist to understand all the nuances, there is a high probability of falling into the hands of dishonest partners.

Tip 4. Realistically evaluate the term of the deposit

The longer the deposit period, the higher the interest rate on it. If the funds are placed for the long term, then no doubt they should be put at the highest percentage.

However, it’s worth considering that in case of early termination of the contract (no one is safe from unforeseen circumstances), interest on the deposit is accrued the minimum, that is, you can’t make money on it.

If the savings are not made for specific purposes: buying a house, traveling, etc., it is better to choose the average term for placing funds.

Tip 5. Better choose the simplest and most clear sentences.

Advertising campaigns of banks are carried out in order to attract as many investors as possible. Invented various "beautiful conditions" and nice bonuses. In fact, often it turns out only propaganda.

If you are not a financial expert, it is better to choose simpler programs, the profitability of which can be calculated independently.

Convenient and clear conditions, reliable bank - all you need for a profitable placement of your own savings.

Having a free amount of cash, you can make a permanent source of passive income, which will be a pleasant bonus to the family budget.

8. Frequently asked questions about bank deposits and deposits

Next, we will answer popular questions on this topic.

Question 1. What is investment deposits?

Investment contribution It is a diversified financial instrument for placing funds. Its main feature is the division of funds into actually contribution and on investments in investment funds.

Such a service is offered by credit institutions at which they are affiliated. mutual funds (Mutual funds). Usually the deposit amount is divided 50/50. But only the deposit amount will be insured in the DIA.

Today, these types of deposits are a fairly popular type of financial services. This is due to getting them greater profitabilitythan with standard deposits. In addition, the contributor acquires investment experience with minimal risk.

One sideThe division of the contribution into two parts guarantees the safety of the deposit and the receipt of a stable small income on it.

On the other hand, an opportunity is given to get many times more profit with a successful investment or to lose funds invested in mutual funds.

Terms of investment deposits are:

• high entry threshold;
• short term;
• inability to roll over.

Question 2. Indexable deposit - what is it?

There are bank deposits, the condition of which is interest rate indexing option depending on the value of certain assets. for example, securities, the dollar, the RTS index, inflation, etc..

In case of growth of the asset, the depositor receives an additional percentage, and in case of a fall, the rate is charged as for deposits "poste restante".

Question 3. What is an online bank deposit calculator?

More recently, in order to understand how profitable it is to place money on a deposit, you had to go to the bank, stand in line for an individual consultation. Now everything has become easier and more convenient.

All banks have information on the proposed programs for raising funds in deposits. A convenient innovation is the availability online deposit calculator (deposit calculator). It provides an opportunity to calculate profitability for a particular program to determine the most favorable conditions.

Online Deposit Calculator It is a program specially adapted for a specific financial organization, which includes all the conditions for depositing a specific bank.

Using the online calculator, you can calculate how many percent, or what income, will bring you a bank deposit (deposit)

The deposit calculator helps determine the type and term of the deposit, they are interested and quickly work.

In addition, it is quite difficult to calculate the amount of income manually when there is a capitalization of interest and replenishment of deposits. Online calculator to cope with this task instantly.

Question 4. How to calculate interest on deposits using the online calculator?

An online calculator helps to calculate the profitable percentage of money invested in a deposit of a credit institution.

The standard parameters of the deposit calculator that must be entered for the calculation are:

• deposit amount and currency;
• interest rate;
• capitalization information;
• deposit term (opening / closing date).

Additional parameters depending on the specific type of contribution may be type of bet, the amount and replenishment frequency/ withdrawal etc.

After entering data in the column "Result" the possible income on a specific deposit will be automatically calculated.

It's important to know! The interest calculation formula is the same in all banks, therefore, if the site of the selected bank does not have an online calculator, you can calculate using another program by entering your parameters in it.

9. Conclusion + video on the topic

In the article we tried to cover all the main aspects of investing in bank deposits. Introduced you to popular deposit terms; showed how to calculate the income percentage.

The main conclusions that can be drawn by analyzing the deposit market are as follows:

1. To get a significant profit you need to have a large amount of money;
2. A deposit is a good option to save and save money from inflation and from oneself, as well as a great way to save for a future major purchase;
3. This transaction has lower risks compared to other investment methods;
4. Receiving any even insignificant, but constant amount of passive income, make transactions on investing funds in deposits / deposits attractive and in demand.

We also recommend that you watch a video on how to choose the right deposit:

Place your savings profitably and reliably, any risks should be conscious and uncritical for the family budget. Good luck to everyone and see you soon!

P.S. Our team "RichPro.ru" will be very happy if you share your experience and opinions on the topic of publication in the comments below!

Watch the video: How do Bank Deposits Work? When are Funds Available? (November 2024).