Deposits in Russian banks

Commercial banks continue to offer their customers higher interest on deposits. Special Offers - 14-16 per cent per annum for ruble deposits regularly appear in commercials. The percentage seems to be high, but when you consider that inflation will eat at least 12 percent, the proposal is not so attractive. There are 2 - 4 percent. It's nice if you deposit at 100 000 and 10 000 if the income from them is unlikely to suit you. In addition, experts believe such contributions risky. Offer interest on deposits above this solid bank rates today is not profitable: according to law, the amount exceeding the refinancing rate, the customer must pay a tax of 35 percent. In normal, such as savings bank, the average rate on ruble deposits for individuals is 10.8 percent. This lower level of inflation. Putting money on deposit in the bank today, you can minimize losses, but they can not be avoided.

Those interested in high-yielding deposits, analysts are advised to inquire about the business of generous banks. After the incident with Sodbiznesbank experts also recommend that investors try to find out who owns the bank and how it's going to evolve.

According to experts, within a few years, commercial banks abandon the practice of high interest rates on deposits. As conceived by the government, strengthening the reliability of the banks will contribute to the deposit insurance system. Conscientious banks it will include, but remain questionable for the gate. But it happens that the good faith and burn through. If a bank entered the insurance system, the investor has the right to expect that it will pay its contribution for the insurance, but without interest. But we must remember that this applies only to those banks that are officially declared bankrupt. But this procedure can last for years. Thus if a bank in the first stage of bankruptcy selected a license, the client can not receive long contribution. During this time, his loss could be more than a dozen percent.

Advantages and disadvantages of bank deposits there. Russians until they see more negative than positive, as a result while only 5 percent of the population are customers of banks. Money is often referred to savings bank.

Deposits in foreign banks

Recently came into force the Law "On Currency Regulation and Currency Control" states that individuals can open accounts in banks in countries outside the Organization for Economic Cooperation and Development, and FATF (Financial commission on money-laundering).

Another important rule, written into the law - no need to show a passport when selling or buying foreign currency. But all this would only be possible in the coming year. Today, in order to open a foreign bank, a Russian citizen needs permission of the Central Bank.

Today in Russia there are about 30 banks with 100 percent participation of non-residents. While most of them Russian private customers are not interested. Seriously engaged in service delivery, only five banks. Of which two are specialized respectively in mortgage lending and loans to small entrepreneurs, and only three serve all customers.

Interest on deposits, which offer customers the banks are attractive, but our standards are extremely low - 2 percent per annum. This may be interested in only very rich people, for which the principal is not income, and reliability, the reliability of the bank, access to their money anywhere in the world.

Most foreigners are still not too interested in money of Russian citizens.

As recently told a Swiss banker, who opened an office in Moscow: "We are not interested in Russian customers with free 50-100 thousand dollars." What to say about those who have a rainy day postponed some thousand "green".

Pye in the investment fund

Mutual Funds (PIFs) - this is an opportunity for private investors to invest in Russian stocks and bonds, if he does not possess the necessary knowledge and experience for independent work in the stock market, but it is savings, and knows that by investing in securities, you can earn more than the interest on deposit in the bank.

This way of savings has its advantages. First, your funds are managed by professionals - management company (MC) of mutual fund that invests in securities. Mutual Fund is a "money bag", which is controlled by the company.

Second, a mutual fund can invest a minimum amount - from $ 1000. Due to the fact that mutual fund combines the money of many shareholders, the management company is formed sufficiently diversified portfolio of securities. And every shareholder becomes the owner of shares of such portfolio in proportion to the purchased shares.

Shareholder income consists of dividends and no not from interest on invested funds, and the growth of unit value. If the value of the fund's assets grew, the shareholder will receive a profit when the sell their shares back to the management company. No advance does not guarantee the shareholder return on investment - it all depends on the professionalism of the management company.

Strategy management companies to manage a portfolio of mutual fund is different, so different funds provide different levels of yield and reliability for shareholders. Funds that invest only in stocks, potentially the most profitable, but also at the greatest risk as compared with bond funds, which offer a more stable, but relatively less income. The optimum ratio of risk-return funds provide mixed investments, investing in stocks and bonds.

In mutual fund shares have to invest either in a few years, or by itself to follow the general trend in the stock market to sell time shares. Periodic boom-bust in the stock market occur every six months or a year. This lack of investment.

Bid Bond

Investments in bonds - the most secure investment in the securities market. History bond goes back to Soviet days. Many people remember these papers, which were stored for years in almost every Russian family. They participated in the circulation. From time to time to "repay" that is paid money for them. Today, the bond back into our lives, but few in other capacities.

Bond - debt security: buying the bond issuing company, the investor becomes a creditor of her. The Issuer agrees to pay the holder of the bonds at the end of her treatment of the nominal value of bonds and a known or easily predictable stable income as a percentage of par value.

Unlike stock value of the bonds is not subject to sharp fluctuations. Bondholder expects to receive from their investments in the form of fixed-income interest payments. In addition, in many cases, bonds are sold at a discount and redeemed them by the borrower at face value. The difference between the purchase price and face value - as the income of the investor.

Traditionally, investments in government bonds (GKO/OFZ) - risk-free. Because government bonds and the yield on the 4 - 5 percent per annum lower yield corporate bonds. Government bonds always sell well, and this is one of their advantages.

St. Petersburg and Moscow let its bonds, they are almost as reliable as the state, but slightly more profitable.

Corporate bond market - the youngest and most promising. Yield of such bonds depends primarily on the reputation and credit history of the issuer.

Treasury returns to the idea of ??establishing a national savings system (NSS) - government securities to the public. Market participants believe that the NCC could theoretically compete with bank deposits. However, most market participants do not yet see the NSS for the special advantages over other instruments. Bankers believe that one of the attractive features of HCC might be to use these securities as collateral means physical persons.

Playing the stock market

Investments in securities - recognized worldwide as a way of augmenting personal capital. He is available in Russia. In recent years, Russian stocks have been very profitable financial instrument.

For example, an indicator value of the shares of domestic issuers, the RTS index, only in March rose by 12.3 percent. Individual stocks have risen in price even higher than the index. On the day of "blue chips" may add more than 5 percent, while those who bought shares in the "Yukos affair" before the "big jump", could suddenly add to their savings of 30 percent. But here you can play decently. This is to some extent, all the same tape or, better, tote. Most experts agree that the game can not use more than 20 percent of your savings.

To play the stock market does not necessarily have dozens or hundreds of thousands of dollars or be hardened professional. The stock market is open to all, and the only thing to do before you come to it - choose a mediator between you and the market or broker.

There are two main trends in the brokerage services of individuals - the classic Brokering and Internet trading. Classic Brokering available at major investment - from 100 thousand dollars. Internet trading - to people completely different frame of mind and character. It will interest primarily those who are going to play every day, watching for the slightest changes in quotations.

Brokerage firms in Russia is now about two hundred, and most of them offer both types of services. The broker must follow all your instructions to buy and sell securities, to deposit funds into your personal account. Naturally, all this he does by no means free of charge. You have to pay for maintaining a brokerage account, for opening and maintaining accounts, depot, and to pay commission to the broker and stock exchange. Internet traders you'll need to pay up to $ 30 a month. "Admission" in the system costs about $ 1,500.

It should be noted that the stock market - a very complex and intricate mechanism, and see it as a panacea for all the financial problems are not worth it, even if you are lucky and it begins to seem that you are well versed in its tendencies.

Precious metals gold, platinum and curiosities

, and gold and platinum will never let you down, consider our ancestors, and from them we have inherited a faith in the reliability of investment in jewelry. But do not think that everything here is simple: buy a bar of gold or platinum bling - and secured a good future earnings.

banks offer private investors to buy gold bullion or platinum - from 1 to 1000 grams, but when buying physical persons pay a tax of 18 percent. It must be borne in mind that when you go to the bank with intent to sell your bullion credit institution, no one paid you earlier VAT returns.

However, the sale price of ingots in Russian banks, usually at 20-25 above the world. After purchasing, say, a gold bar, you can sell it to the bank or the dealers. In Russia there is no civilized secondary precious metals market, experts say.

If it comes to selling gold and platinum dealers, the loss could be from 100 to 300 rubles per gram of gold, as the private owner will buy your bullion price of scrap gold. Bank purchases at the price of bullion, which is definitely lower than the original cost.

Normally we have decided to store jewelry at home. The cost of gold jewelry shops in the Russian overstated. By some estimates, prices in the Russian stores is 1.5-2 times higher than abroad.

Citizens who buy the "back burner" gold or silver, metals, traditionally made from the "expensive" jewelry, overlooked at least one important point: the price of jewelry of precious metals is not the only component. In determining the final product cost is estimated the wizard. As a result, ten years later you sell your rings or earrings only as scrap.

Of course, you can purchase rare thing. The annual yield of the antiques market is 25 percent. But this need a good understanding, not to "burn" on the forgery.

One of the most profitable ways of investing money in the market of precious metals investment today is called the golden ducat. Gold ducat - it's almost 8 grams of pure gold. Banks now sell it for an average of 3,000 rubles. But the bank can sell the coin at a discount 100 - 300 rubles.

millions of copies and of no value, except they contain gold, do not.

Commemorative coins are produced in limited edition - 100 units to 10 - 15 000. Than "older" is a coin, so it is more expensive.

Analysts believe that in order to multiply the money to buy the best investment coins, which also publishes the Central Bank of Russia. Such coins are not subject to VAT and quickly begin to generate revenue (Figures 4, 5).

Acquisition of real estate

Acquisition of real estate around the world is considered a reliable way to preserve the acquired capital. These investments are considered less risky than, say, stocks or bank deposits.

In real estate, tend to invest money, those who do not trust the banks too. The risk of irreparable loss of investment in this case is minimized. In extreme cases (for example, business development at a dead end or object does not make the scheduled income) building or a separate room can be sold and at least return the money.

"investment" apartments in the capital market real estate. Currently, apartments, purchased with a view to their subsequent resale, up 30 per cent of the total market.

Increase in the number of apartments purchased for profit ("investment"), started in the last year and accompanied by a rise in market prices by an average of 40 percent. Now prices are rising at 20 - 25 percent per year. This promises a good return. But even in this market are many pitfalls.

To invest in housing is now easier than ever. But to sell at a profit is much more difficult - in the market is full of sellers who have the opportunities that a private investor and never dreamed of. There is a danger of a collapse of the market.

According to analysts, investors may start selling apartments in the event that the profitability of investments in this market will fall below the bank rate. Sales will be pressure on the market, driving down prices.

Analysts believe that at the turn of 2005-2006, a transition from higher prices for their decrease due to a sharp increase in supply caused by the same private investors.

Invest in quality of life

Save money for the money foolishly.








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