Investment Deposit: reviews on income

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2018-03-27 08:58:28

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Many people have the habit of keeping funds on Deposit at financial institutions. For many years the existence of this tool has proven its reliability in securing the safety of money, besides to open it at any Bank in minutes.

But despite the obvious benefits, Deposit there is a lack of – low interest rate. In most cases, accrued interest is impossible even to cover inflation, the contribution only allows to save own funds but not to increase them. This disadvantage is not happy depositors and compels them to look for higher-yielding Bank instruments. One of them is considered an investment.

investment Deposit

Concept

An Investment Deposit is a Deposit whose amount is divided into two parts:

  • Base – it is usual contribution.
  • Additional – funds that will invest in mutual funds (mutual Funds).

Money invested in investment funds used by banks to play the stock market, where shares are purchased in different businesses.

We Must understand the difference between individual investment account (IIA) and investment Deposit. IMS – investments, which the client can manage independently (for example, the well-known Bank organization savings Bank. Investment Deposit feature there involves trading on platforms after passing the training course).

A Client that invested in the investment Deposit, shall not take part in the process of making further deals, he just hands money to the Bank and forgets about them, spelled out in the terms of the contract.

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investment reviews

Investment of contributions

Pick up tools for investment it may be your own, however there are certain restrictions. The banking institution provides a list of mutual funds from which the customer can choose what he wants. Opportunities to acquire shares of other companies he will not have this item in the contract.

In addition, the Bank is solely responsible for decisions on the allocation percentages of contributions and payment in mutual Funds given the fact that the Deposit may be issued in an amount not exceeding the value of the purchased shares.

The Basis of the investment of deposits is that the Bank creates a Fund of money made a large number of owners of capital, and then distributes funds on the grounds of the stock market. Earned as a result of trading the profit is divided between all depositors, taking into account the deduction of interest the management company as a fee.

Minimum Deposit amount is set by the Bank and, most often, it is equated to the value of 100 thousand rubles.

Sberbank investment

Insurance

The Following feature is the insurance investment deposits. If the usual Deposit may be insured on easy terms, investments in mutual funds are not insured, because investments in this case are different.

As mentioned above, the mutual Fund consists of funds of its depositors and managed by a third party for a fee. The positive moment of a unit of deposits is that funds can be redirected to any area of the economy to maximize profits.

For this reason the income received from mutual funds, are not subject to insurance. Often in the stock market is a game, the results of which are impossible to predict. Profits from mutual Funds are not less subject to various risks and leaps, nonetheless it has the potential to bring the greatest benefit.

The Requirement for registration of the investment Deposit

The conclusion of an agreement on investment with a mutual Fund you need to fulfill several conditions:

  • Confirmation by the client of the fact of age. To make an investment Deposit only after reaching the age of majority. This limitation is associated with self-management of capital and taxation.

The Game in the stock market, one way or another, involve risks. The money invested can be multiplied, but their total loss is also possible. In accordance with the law, to dispose of the state to take responsibility for their actions, fully knowing the consequences, allowed to persons who reached the age of majority.

insurance investment deposits

The Next moment – it is a taxation. Depositing funds in mutual resources is considered as entrepreneurship, accordingly, is taxed. Despite the fact that underage persons may be payers of taxes, the legal side of this issue is so inaccurate, all discussions that occur on this issue can only be resolved by the judiciary. Actually, this is the reason to make the investment deposits can only be of full age and received a full capacity.

  • Proof of employment. When making large amounts of money to banking institutions to ask the client a certificate on the earnings of individuals. This is due to the legal side of the agreement, where the float mutual funds.

In case of loss or loweringassets of mutual funds all issues are resolved in a judicial order, and in accordance with the current legal system there is a requirement for confirmation of ownership of deposits.

The Legislation does not allow major investment without confirmation of the status of citizen, but at the same time requires no explanation, from what sources were taken savings. For registration fee only need a document from the workplace even if the client employed a janitor.

  • To Make the investment contributions can only residents of the Russian Federation. This condition does not require any discussion as investing in mutual funds — is, in fact, entrepreneurship. So the way the state systems of all countries. Investment Deposit has the right to open the only person paying taxes.
  • Deposit Amount can not be higher than the size of the mutual Fund. The essence of interest rate. Deposit part multiplies profit by getting the best increased rate due to the contribution of investment funds. That's why are mainly deposits for short periods of time. Thus, banks are protected from inflation. Fairly common programs that you can purchase more shares, giving you the opportunity to increase revenue and replenish the Deposit.

the contribution of investment income

Where you can open an investment Deposit

The first thing to consider banking institutions located in close proximity to your area of residence. In the event of the need for personal presence you can quickly get.

Many financial institutions offer the registration of investment contribution, consider the most popular of them:

  • Loco Bank;
  • PSB;
  • Gazprombank;
  • Bank Rosgosstrakh;
  • Raiffeisenbank.

Comparison chart of conditions of the investment Deposit

Bank Name

Logo Bank

PSB

Gazprombank

Rosgosstrah Bank

Raiffeisen Bank

The Rate, in percent

Of 9.05

9,5

8,1

8

6,5

Amount in thousands

100

50

50

100

50

The Term

400 days

From 6 months to a year.

From 100 days to a year.

From 100 days to a year.

From 100 days to a year.

Replenishment

No

Extension

Only Possible PSB

Capitalization

No

Partial withdrawal

Only Possible in Loco Bank

The Preferential terms of early termination

No

How interest is calculated

Every month

At the end of the period

At the end of the period

At the end of the period

At the end of the period

From the table we can highlight the following features of investment products that offer its customers banks:

  • The Term investment Deposit before 1 year.
  • More options in the form of Deposit, withdrawal, capitalization, etc are nearly non-existent, with some exceptions of investment deposits.
  • Income is paid at expiry of the contract.

How to open an investment Deposit

The Process of registration of the investment contribution is virtually no different from opening a normal Deposit.

You have to understand what an investment contribution. Opening it is as follows:

  • The Potential investor selects a financial institution, is studying the program.
  • Clarifies the possibility of processing the contribution through the personal account online and in the office of the Bank.
  • If you choose the second option, the client should visit the Bank with the required documents and amount.
  • The essence of the investment agreement.
  • Paid investment shares and underlying Deposit.

The procedure of registration of the investment Deposit is not difficult, the employee of Bank branches will help the client in the design and acceptance documentation, and advise on all issues.

For customers who previously used similar products the Bank provides the access to Deposit via your personal user account. You need to know beforehand about this opportunity.

investment deposits in banks reviews

Contributions to investment projects

In Addition to investment banking deposits there are so-called high-yield projects, referred to as HYIPs.

HYIP or HYIP (High Yield Investment Project) is translated to English as the investment project with high profitability. However, this investment Deposit, customer reviews, a fraud.

Project Features

The Principle of operation of such projects similar to the Ponzi scheme. A high payout percentage is provided by the incoming of new deposits, which contribute only registered users. Thus, a project fueled by new money, but as soon as the funds cease to flow and ceases to suffice to cover obligations to depositors, payments end and the HYIP closes.

Fraud is that the whole system is disguised as a fictional legend that is invented by history, due to which investors get interest. Investors with experience, well aware of all this and realize possible risks associated with funding such projects.

Conclusion

Such banking products as a transitional form from liability to asset, have all chances to exist. Investment deposits with banks, customer reviews which are quite controversial, it is reasonable to open with the minimum amount and to evaluate the results, especially since the Deposit period is quite short with a relatively high percentage.


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DE: https://tostpost.com/de/finanzen/8826-investment-beitrag-feedback-zum-einkommen.html

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KK: https://tostpost.com/kk/arzhy/8829-investiciyaly-salym-p-k-rler-o-dohodah.html

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UK: https://tostpost.com/uk/f-nansi/8830-nvestic-yniy-vnesok-v-dguki-pro-dohodi.html






Alin Trodden - author of the article, editor
"Hi, I'm Alin Trodden. I write texts, read books, and look for impressions. And I'm not bad at telling you about it. I am always happy to participate in interesting projects."

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