Bank deposits have been and remain the most common way of investing savings for most Russians. It is not easy to navigate in all the variety of offers from different banks. Therefore, today we offer the Top 10, which included the most profitable bank deposits as of the end of August 2013.
We analyzed only deposits in Russian rubles as the least risky and most profitable. Noteworthy are the combined products included in our top ten, which are a combination of a deposit with mutual funds or insurance.
10. Promsvyazbank - "My benefit"
The deposit allows you to earn up to 9.7% per annum. The minimum deposit amount is 50,000 rubles. The term ranges from 91 to 1095 days. The peculiarity of the deposit is preferential conditions for early termination if the funds are placed for a period of more than 3 months. When withdrawing a deposit after 91 days, does the bank pay income at the rate? the rate in effect at the time of the conclusion of the contract.
9. MDM Bank - "Profitable" with payment of% at the end of the term
A profitable deposit for a period of 30 to 1500 days allows you to receive income from 5.8% to 10% per annum. The maximum rate is applied for amounts of RUB 1.5 million placed for a period of 2 years or more.
8. Rosbank - "Summer"
For those who manage to make a deposit before August 31, 2013, there is an advantageous offer - up to 10.5% per annum. The term of the deposit is from 3 to 36 months, the minimum amount of placement is 15,000 rubles.
7. Home Credit Bank - "Profitable year"
The minimum amount for opening a deposit is 1 thousand rubles. The placement period is 1 year. The interest rate is 10% per annum. According to the terms, monthly capitalization is provided, i.e. interest is added to the principal amount of the deposit.
6. Raiffeisenbank - "Insurance premium for an insurance period of more than 10 years"
This offer involves a combination of the deposit and one of the insurance programs of IC Raiffeisen Life. If the insurance period is over 10 years, the income on a deposit with a placement period of 366 days will be 10% per annum.
5. Credit Bank of Moscow - "Savings"
The contribution will provide up to 10.5% income per year. The minimum deposit amount is only 1,000 rubles. When making a deposit through the MKB Online remote banking system, income increases by half a percent - up to 11% per annum. The term of the deposit is from 95 to 370 days.
4. Uralsib - "Deposit + UIF Dynamic"
This proposal of Uralsib Bank involves the simultaneous placement of funds in a deposit and the acquisition of shares in a mutual fund. The term for the placement of funds is 91, 181 or 367 days. Payment of income is made at the end of the term to a separate bank account. Uralsib also offers one of the the most profitable mortgage programs.
3. Alfa-Bank - "Pobeda"
This highly profitable deposit provides up to 10.94% per annum. The minimum deposit amount is 10 thousand rubles. The placement period varies from 92 to 1095 days. According to the terms of the deposit, monthly capitalization is provided taking into account the accrued interest.
2. Vostochny Express Bank - Vostochny
The deposit rate is up to 12.83% per annum. The term is 1, 2 or 3 years. The minimum investment amount is 100 thousand rubles. The peculiarity of the deposit is the ability to partially withdraw the deposit without losing interest once during the placement.
1. Russian Standard - "Fabulous investment"
The most profitable investment... It is not even a pure contribution, but a combined product. The client's funds are placed simultaneously in a deposit and in a mutual fund in a ratio of 70 to 30 or 50 to 50. The interest rate will depend on the amount of the deposit, the term and the share transferred to the mutual fund. The minimum amount for placement is 30 thousand rubles, the maximum is not limited. The term of the deposit is from 180 to 720 days.