One of the most important issues that needs to be addressed isDecide before opening a deposit, - decide on the currency. After all, from the right choice in many respects will depend on the obtained profitability from the placement of savings in the bank.
Terms of bank deposits in various currencies
The largest number of bank deposits todayOpens in rubles, dollars and euros. At the same time, ruble deposits are characterized by higher rates in relation to foreign exchange. Therefore, it can not be said that the latter are more profitable than the ruble in the conditions of the devaluation of the national currency.
Thus, according to the Central Bank of Russia, the average rate for rubleDeposits in May 2014 with terms of the year was 7.19%. At the same time, at such an interest rate, all profitability can be offset by the devaluation of the ruble and high inflation.
Then, as for dollar deposits, the average rateIs 2.74%, for deposits in the euro - 2.29%. Foreign exchange deposits tend to fall rates. At the beginning of the year the average rate on dollar deposits was 4%. It turns out that such deposits will be more profitable than ruble ones only if the ruble falls by more than 4-5%. It should be taken into account that the ruble may fall by a smaller amount or even play its position relative to the dollar. In this case, the yield on foreign currency deposits is reduced in the exchange of currency by 1-2%. Therefore, such deposits are more profitable for those who have sources of income in foreign currency.
There are also proposals forExotic currency (yen, Swiss franc, yuan, etc.). But they can be opened in a limited number of banks, but interest rates on them are minimal. In this case, it will be necessary to deposit a fairly large amount in foreign currency. For example, for the "International" deposit from Sberbank it is necessary to invest not less than 10 thousand Swiss francs (rate - from 3.25% per year), in OTP Bank - from 50 thousand (rate - 2,3-2,5%) .
In what currency is it better to open a deposit today?
Experts disagree about the currencyIt is more profitable to keep money, but they are similar in one - it is desirable to distribute all savings between different currencies. Some of them are kept in rubles, some in dollars and euros. This will reduce the negative impact of currency risks on available savings.
Diversification of savings can be ensured by twoWays - to open several deposits in different currencies, or open a multi-currency deposit. With the first option, you can put 50% on the ruble deposit, distribute the rest between dollars and euro. The bulk of the savings should be in the currency in which you make the most of the cost. The advantage of opening different accounts is higher interest rates, and the downside is the impossibility of operative management of savings and the redistribution of the share of different currencies. Thus, this type of deposits is suitable for those who do not have earnings goals on the exchange rate difference.
Multilateral deposits allowSpeculatively increase the portfolio of a currency at the right time. But rates on them today are not the most profitable. For example, on the "Multicurrency" deposit from the Savings Bank, the ruble rate is 5.3% -5.9%, in euros and dollars - from 0.85 to 1.75%. In Alfa-Bank, the rate varies from 4.4% to 7.4% in rubles and from 0.1% to 2.4% for the currency. At the same time, part of the profitability is lost on exchange transactions for buying / selling currency.