In the Savings Bank today presented a wide range of deposits to the population.
Among them, one can choose the best option based on their goals.
Types of bank deposits in the Savings Bank
Bank deposits of the Savings Bank can be classified on various grounds - is, for example, the placement period, the functionality, as well as their purpose.
In terms of the placement period allocate urgentdeposits and demand deposits. In the latter case, the client has the opportunity to withdraw money from your account at any time. The interest rate on such deposits often nominal - by 0.1%.
The difference between the fixed-term deposits is that theyplaced on a strictly specified in the contract period. For example, at 3 months, or a year. But if the investor decides to withdraw money from the deposit ahead of schedule, the interest is not paid to him - they are set on the level of contribution rates on demand.
Term deposits are heterogeneous, including isolated storage, savings and settlement subspecies.
Savings deposits make it possible to replenishdeposit for the duration of the contract. They are designed for those who are planning to accumulate on any expensive purchase. For example, bank deposits "Recharge" suggested rate in rubles up to 6.6% per year with a maximum amount of 2 million rubles. for up to 3 years.
Savings deposit does not imply anyoperation with the account (for example, replenishment or partial withdrawals). These contributions are distinguished by the highest interest rate. For deposits "saves" the maximum rate of 7% in rubles (0.4% above the "Top up" contribution).
Estimated contribution (also calleduniversal) allows the client to control his own expense, for their money, manage their savings, make transactions on depositing and withdrawing money. In the Savings Bank deposits are called
Control the maximum rate on them is 6.1% in RUR (0.9% lower than in the "Keep" contribution).
From the standpoint of placing currency distinguishruble, currency and multi-currency deposits. Latest allow you to change the ratio of currency to a basket of currencies that can be worth changing market conditions. On the contribution of "Multicurrency" on ruble deposits rate is up to 5.9%, the contribution in dollars - up to 1.75%, the euro - up to 1.75%. Sberbank also have the opportunity to discover the contributions for lovers of exotic foods - "International" for three years. In this case, you can select a deposit in Japanese Yen (interest rate - up to 2.25%), Swiss franc (2.5%) and pound sterling (to 3.25%).
In the Savings Bank and specialized banks have charitable programs ( "Give Life") and contributions for pensioners.
Yield Savings Bank Deposit
For comparison, the yield of various contributions can betake similar parameters of the deposit (the amount - 1 million rubles, the term -. 1 year, without capitalization) and assess the profits. On the contribution of "Recharge" income will be 59 th district, "Recharge SHC @ dh" -.. 61.5 thousand p.. On the contribution of "Manage the SHC @ dh" income will be 57.5 thousand district, "Manage." -. 55 thousand p.. The most profitable are the contributions "Keep SHC @ dh" and "Keep" - their yield will be 64.5 and 62 thousand p.. respectively.
More favorable are the contributions with monthlycapitalization of interest, they will get a better return than the removal percent. Thus, the maximum difference in interest rates on deposit "Recharge SHC @ dh" is 0.73% (6.85% without capitalization and 7.58% - with a market capitalization).
Deposits that are opened through "Sberbank Online" distinguished by higher interest. The interest rate on such deposits replenished reaches 6.85% per year (compared to 6.6% for the classic deposits).
With regard to currency deposit, the more profitableare denominated. Maximum rate on dollar deposits in the Savings Bank of 2.15% for ruble 4 times more - 8.07%. Foreign currency deposits will be beneficial provided that if the dollar will lose one year more than 6%.