Perhaps one of the most reliable and relevant options to save savings and increase the level of financial security. Deposits in large banks are insured by the Deposit Insurance Agency (DIA). If a financial institution has problems, for example, the Central Bank of the Russian Federation revokes its license, depositors will receive compensation from the state in the amount of up to 1.4 million rubles (in some cases, this amount can reach 10 million rubles).
The income from deposits is stable and easy to predict. Banks offer changsha mobile number database a wide range of programs with different interest rates, terms of placement of money and conditions of replenishment/withdrawal. The main disadvantage of this financial instrument is low profitability.
Savings accounts
A savings account combines the features of a deposit and a current card account. The term is not limited - money can be withdrawn at any time. In this case, interest will be paid in full. However, unlike a deposit, the bank has the right to change the interest rate during the term of the agreement (usually downwards).
A savings account is a kind of piggy bank. It allows you to gradually increase your savings and actively use the money (unlike a deposit). You can transfer all your income to this account - after paying current expenses, interest will be accrued on the balance. The money in the account is insured by the DIA, which has a positive effect on ensuring financial security.
Investments
In securities. This financial instrument implies a higher yield, but purchase and sale transactions with shares, bonds and mutual funds are always associated with risk.
In real estate.
Main options:
invest in an apartment at the excavation stage, and after completion of construction, sell it at market price;
buy shares of closed-end mutual investment funds.
And experienced investors, relying on the basic rules of financial security, prefer to invest money in commercial and foreign real estate.
Into gold. Another relevant financial instrument that guarantees capital growth. Gold prices rise even in those difficult periods when the rest of the stock market falls.
Investment options:
purchase a gold bar or coins;
open an impersonal metal account;
invest in gold mutual funds and/or buy securities of gold mining companies.
However, you won't be able to make money quickly on gold. Significant dividends can be received in no less than five years.
There are other investment areas - information about profitable projects can be found in the public domain. It is better to avoid risky investments and act in accordance with the rules of personal financial security.