If you have at your disposal a certain amount of money that you do not plan to spend, but, on the contrary, want to save and increase, then opening a replenished deposit of Sberbank is perhaps the best solution.
About bank deposits
Of course, each for himself decides where to invest his personal savings. Unlike other sources of preserving capital, bank deposits are reliable, which you must agree is very important in our turbulent times.
What is a bank deposit? In a language that is accessible to a simple layman: it is money entrusted to the bank for storage in order to save and increase the amount by receiving interest. The yield of bank deposits is relatively small, but it exceeds the level of inflation, therefore, it allows you to make the necessary savings without risk. Interest rates on deposits differ significantly among different financial institutions, as well as depending on the type and term of the deposit.
Choosing a bank to open a deposit
The first thing to decide is the choice of the institution where your funds will be stored. The main criteria: reliability and the availability of favorable offers. Do not forget about the deposit insurance system. After all, deposits in banks connected to this system are mandatory protected from the likelihood of the bank terminating. The amount of compensation upon the occurrence of an insured event is one million four hundred rubles. If your ultimate goal exceeds this limit, then the issue of bank reliability must be approached more responsibly. The main indicators of reliability:
- popularity among the population, entrepreneurs and legal entities,
- duration of banking activities,
- stability of the financial situation of the institution.
Recommendation: Sberbank replenished deposit
In connection with the above, such a conclusion suggests itself. Of course, this is just a recommendation, when choosing a method of storing and accumulating money, everyone is obliged to make a choice on their own. Why Sberbank? Because it meets all of the above indicators.
- Popularity is undeniable! It is here that the lion's share of the savings of our compatriots is stored. Sberbank deposits for seniors, "Replenish", "Manage" and others are the most popular types of deposits in the Russian Federation.
- The official year of opening of Sberbank is 1841. It was then that savings banks known to every resident of Russia appeared. And 1991 was the date of the formation of Sberbank of Russia OJSC, the bank in the form that we are currently observing. The figures speak for themselves, the duration of activity is estimated at least tens of years.
- Stability (capital stability) of Sberbank is an indicator confirmed by annual reports and interbank ratings, reflecting the constant growth of assets.
Deposit selection
Having decided on a bank, it is necessary to familiarize yourself with the types of deposits offered by it and to choose one in accordance with personal needs. For example, what does Sberbank offer us?
The “Replenish” deposit will make it possible to increase the deposit amount, allowing replenishment of accumulations. But first things first.
Consider what to look for when choosing. You may have already come across information about what is the “Replenish” deposit (Sberbank), you read the reviews, but you still couldn’t decide without understanding the difference between the various deposits. Further information for you!
- Decide if you need a replenished deposit of Sberbank. You want to put money only once, and then only receive the interest accrued on it, or you will increase the contribution.
- Decide if you want to be able to withdraw funds.
- In what currency will the money be stored in your account?
- Can you afford to set a deposit term, or choose a termless deposit.
Term deposits, i.e., allowing you to withdraw at any time any required amount, as well as to replenish the deposit without any restrictions, are not profitable from the point of view of the bank, therefore, interest rates on them are the smallest. There is only one replenished Sberbank deposit with the possibility of zeroing at any time - this is the "Savings Account", but it is only suitable for saving, it will be practically impossible to earn with it, the interest rate on it at the moment is only up to 2.3% per year in rubles, and up to 0.4% - in other currencies.
Term deposits
If your goal is to block inflation by earning money on bank interest, then your choice is a term deposit, that is, a deposit with a minimum term. For example, the “Replenish” deposit of Sberbank, reviews of which are very good, must be created for a period of three months to three years. The most profitable deposits do not have the ability to replenish and withdraw funds in the period specified in the contract. At the moment this is a “Save” deposit, the minimum amount of which is 1000 rubles, the term is from 1 month, the interest rate (in rubles) is up to 7.76% per annum, and when creating it via the Internet (“Save Online”) - up to 8, 07% off.
If your choice nevertheless fell on the replenished deposit of Sberbank, then stop at the already mentioned "Replenish" or "Replenish Online", which can be opened on the Sberbank-Online website or through the Sberbank mobile application. Its parameters: amount - from 1000 rubles or 100 dollars or euros, term - from three months, interest rates - from 7.28% per annum in rubles (from 7.58 online) and from 2.11% in other currencies.
