Roskachestvo revealed ways to maximize income from bank deposits

Despite the reduction of deposit rates by banks in January, the average rate remains above 21% (according to the Central Bank of the Russian Federation). There are several simple strategies for placing your funds on deposits with maximum benefit. This was told to "Izvestia" on February 16 in the press service of Roskachestvo.

The first way is a combination of long-term and short-term deposits or savings accounts. Money can be divided into several parts and placed both on annual and three-month deposits or savings accounts. Thus, part of the money will always be at hand when you need it, and the main part on annual deposits will continue to bring income.

Such diversification will also allow you to monitor changes in the key rate of the Central Bank of Russia. In case of rate increase and thus increase of deposit rates, funds can be transferred under more favorable conditions. Deposits can be combined with or without capitalization, as well as with or without the possibility of replenishment.

It is also possible to use the transfer of funds from one bank to another. Banking organizations like "new money" and offer more favorable conditions under them. Thus, it is possible to close old accounts and deposits after expiry and transfer funds to other banks with higher rates. In addition, at the moment, transfers to yourself without commission are almost not limited to a specific amount.

At the same time, you can open deposits in several currencies. For example, in rubles and yuan, which are currently more attractive than the euro and dollar in the case of fewer risks. At the same time, the rates on yuan are quite high, which allows not only to cover inflation, but also to get income.

The information in the material is not an investment recommendation.

A feasible deposit: the average size of Russians' deposits has grown to 500 thousand rubles.

It increased by almost 22% in the past year

Sergey Mikheev, SRO of UTEX investment platform, shared with Izvestia on February 15 that in recent years the precious metals market has been attracting investors' attention more and more. The expert called investments in gold especially attractive. Investors may also consider such metals as platinum, silver and palladium, which have both investment and industrial value.