The purpose of any monetary instrument is to increase and save funds. Most conservative investors do not want to take risks, they seek to protect their investments. You can do this in several ways: open a deposit or buy a savings certificate. These tools have a lot of advantages, they are worthy of attention even of the most conservative investors.
Definition
A savings certificate is a bearer security that allows you to receive income in the form of interest on the deposit amount. They change in direct proportion. Sberbank Savings Certificate, unlike regular deposits, is not involved in the system deposit insurance. Therefore, the interest rate on it is higher. Such securities can be sold, inherited or transferred to a third party without a power of attorney.
A savings certificate of Sberbank is issued to bearer. However, the bank does not open an account for a specific person. You can issue a security in any of 10 thousand branches throughout Russia. For this procedure, you will need a passport or other identification document. In terms of protection, a bearer savings certificate is not inferior to conventional banknotes.
Terms of Service
- Duration: from 3 months to 3 years.
- Currency: rubles.
- Minimum amount: 10 thousand.
- Interest rate (per annum): 0.01 - 9.75%, accrued at the end of the term.
- Replenishment and partial withdrawal: not provided.
- Interest rate (per annum) for early termination: 0.01%.
How to apply for a savings certificate
- Contact your local branch of Sberbank with a passport in hand.
- Select the quantity, face value and expiration date of the certificates.
- Pay for your purchase.
- Get your savings certificate.
The rate is fixed once and subsequently cannot be changed by the bank. You can pay for your purchase not only in cash, but also at the expense of the current deposit.
Benefits
First and foremost, this security can be presented to any person. He will not have problems with withdrawing funds. In this case, the new owner can either pay it off immediately with a minimum income, or wait until the end of the term and get big benefits.
Savings certificates of Sberbank of Russia can be used as a traveler’s check when traveling around the country. This Central Bank is converted into cash at any branch of a financial institution.
Bank deposit and savings certificates are designed to increase the invested funds. The second tool is more suitable for this purpose. Moreover, Sberbank has increased rates for services. First of all, this concerns deposits for the long term. Now an annual certificate of 200 thousand rubles. bring the bearer income of 16 thousand rubles. at a rate of 8%. And a million rubles in 36 months - 277 thousand.
disadvantages
In addition to the above advantages, bank savings certificates have several disadvantages. One of them has already been described above:
- In case of early termination, the interest rate is reduced to 0.01% per annum.
- This security cannot be extended.
- Deposits are not insured. In the event of a bankruptcy of a financial institution, it will be impossible to return its funds.
- In case of loss / theft of the certificate, you must immediately go to court to restore your owner’s rights. Otherwise, the attacker will seize the opportunity and quickly cash out the money.
Features
In 2013, the amount of citizens' funds raised through a savings certificate increased 1.4 times and amounted to 342 million rubles.90% of this amount the population has invested in the Central Bank of the "people's" Bank of Russia. Despite the risks, the most popular instrument for attracting funds from legal entities is a savings certificate. User reviews confirm this. Judge for yourself: even commercial banks, in particular Ugra, purchase this product.
This Central Bank is interesting to those customers who intend to transfer large amounts of cash to third parties, but do not want to inform the tax authorities about this. Soon, a legislative norm will be adopted, according to which banks are obliged to inform the state of all deposits and customer accounts. And the fact that certificates are issued to bearer served as an incentive to cancel them. But a final decision has not yet been made.
2013 financial results
2013 was a very successful year for the largest bank in Russia. Non-standard deposit programs were able to attract even the most conservative customers. The growth of population deposits amounted to 20.6% and approached the figure of 8 trillion rubles. Even the country's largest retail financial institution, VTB 24, which ranks second in terms of this indicator, was able to attract only 1.3 trillion rubles. Halyk Bank is the leader in terms of net assets - 16.7 trillion rubles, which is 5 times more than Gazprombank, the second largest in the Russian economy. For 2014, experts predict a slight decline in the volume of attracted deposits. With cheaper credit rates, the cost of borrowed funds also decreases.
Types of deposits
Today, Sberbank customers can open a deposit with various options: replenishment, capitalization, partial withdrawal, etc. There is a separate line of online deposits, which are processed from the Internet banking system. Interest rates on them are higher: by 0.75% per annum in rubles and 0.15% in foreign currency. Terms of service for standard deposits are presented in the table below.
| Name | Min the amount | Term | Replenishment | Accrual conditions% | Rate in dollars, euro (%) | Rate in rubles (%) |
| Save | 1000 RUB / 100 USD (EUR) | 1-36 months | - | Monthly, with capitalization | 1-3,25 | 4,90-8 |
| Replenish | cash - not less than the minimum deposit amount | 1,1-3 | 4,85-7,25 | |||
| Drive | 30 000 RUB / 1000 USD (EUR) | 3-36 months | 1-2,8 | 4,05-6,50 | ||
| Growing | 1000 RUB | 2 years | - | after the end of each month period specified in the contract | - | 6,15-9,5 |
The table above shows that the Growing program is the most profitable. But in order to fall under its conditions, it is necessary to invest one million rubles for 1.5-2 years. Such conditions are not suitable for every client. Taking into account interest capitalization the best deposit is Save, especially if you make it through the Internet banking system. In case of early termination of the contract less than 6 months after signing the documents, the income is paid at the rate of demand. With a longer period - two thirds of the specified in the contract.
Retirement programs
Most of Sberbank's clients are elderly people. For them, the credit institution creates more favorable offers on deposits. December 6, 2014, Sberbank once again raised interest rates.
Save for retirees:
- from 1000 rub. for 12 months - up to 10.29%;
- from 100 to 400 thousand rubles per year - 8.57%;
- from 100 dollars (euros) - 0.6-3.08% and 0.6-2.7%, respectively.
Rates are maximum. Interest is accrued monthly. They can be sent to another account / card or withdraw. If the interest is left untouched, the income will automatically be added to the deposit amount. This process is called capitalization.
Benefits of the program for senior citizens:
- automatic prolongation;
- in case of early termination of the contract, interest is recalculated at a rate of two-thirds of the base;
- the deposit can be issued to another person or included in the will.
Deposit "Replenish"
- Minimum amount: 1000 rubles (100 euros or dollars).
- Maximum income: up to 9.58% in rubles; up to 2.86% in dollars; up to 2.49% in euros.
- The largest profit can be obtained on the contribution made for three years.
Pension Plus contribution
The account is replenished with monthly social payments. The accumulated amount accrues income in the amount of 3.5% per annum (3.67%, taking into account capitalization). Money can be withdrawn at any time. Interest is accrued quarterly.
Other programs
“Give life” (charity)
- The term is 1 year.
- Amount - from 10,000 rubles.
- Interest rate - 6.4% (every three months 0.3% is withdrawn from the deposit amount).
Multicurrency
- Min amount: 5 thousand rubles. (euro, dollars).
- Duration: 1-2 years.
- Rubles: up to 5.9% per annum.
- US dollars: up to 1.75%.
- Euro: up to 1.75%.
“International” (not valid in all bank branches)
- Minimum amount: 10,000 pounds (francs, yen).
- Duration: 1 month - 3 years.
- Interest rates: British pounds - 0.55-3.25%; Swiss francs - 0.1-2.5%; Japanese yen - 0.3-2.25%.
How to open a deposit
It is necessary to contact the nearest branch of Sberbank with a passport in hand and choose the optimal program. The account is always tied to a plastic card or savings book. So the investor will be able to manage the funds. The employee himself will offer you to start a savings book for 10 rubles to receive social benefits. The same amount should always remain in the account in order to avoid its closure. A plastic card is produced for 3 weeks, and is valid for three years. Then you need to order her reissue. At the same time, the bank independently monitors all terms. The client does not need to write any additional statements.
Summary
Savings and certificates of deposit are the safest types of deposits, especially if money is invested in a large bank in the country. With the advent of new cheap credit products, the cost of raising funds decreases. Therefore, banks reduce interest rates on deposits. But an alternative remains - savings certificates. Funds raised on such securities are not insured, and therefore service fees are higher than standard programs.
