Rus News Journal

How to increase the money and not to give inflation “ to eat “ acquired

the World economic crisis, hearings about a default, jumps of exchange rates - as can affect all these circumstances national money? A leah it is necessary to place the roubles on bank deposits or it is more favourable to start up money in “ growth “ by means of share investment funds (PIFS)? What bank merits the greatest trust? Leading experts of banks have responded to these and other questions of readers “ the Renaissance “ “ Rosbank “ “ rajfajzen bank “ and “ Rusbanka “.

On each merchant there will be good goods


Oleg Shalaev, the head of department of retail operations of the Yaroslavl branch of bank “ the Renaissance “:

- Investors who are directly converted into our bank for registration of contributions, get following advantages. In - the first, this variety of contributions: we have deposits which representatives of different levels of population for the different purposes can use. And for preservation of money resources, and for reception of pensions, and for use of the contribution as the tool for carrying out of any operations - utility bills and etc. the Second that our investors receive, it is adaptability to manufacture. Our products allow, using system so-called “ floating “ Rates to fill up contributions, ahead of schedule to remove means from contributions, thus percent are charged proceeding from actual term of a finding of deposit money. The third: for our investors bank cards which can be used both for replenishment of contributions, and for transfer of percent from these contributions on maps free of charge are issued.   the fourth: the minimum sum of the contribution - all three thousand roubles, and for pensioners - 100 roubles. In - the fifth, in bank there is a product “ the Credit on the security of the rights of the requirement of the contribution “. It is calculated on clients who have the contribution to bank and for which money urgently was necessary. According to conditions of the given product the client should not close ahead of schedule the contribution, losing percent.


Olga Onuchina, a brand - the manager of the Yaroslavl branch of bank “ the Renaissance “:

- I Will add that we have such unique kind of the contribution, as the contribution “ the Renaissance - Children`s “. It opens addressed to the minor child from the moment of its birth and to 14 - letija, can periodically replenish and be prolonged. We expand with the children`s contribution the grocery offer first of all for existing clients who have children. That is, we are guided by a segment “ the client and his family “. The bank by the given kind of the contribution offers higher percent. The client who has opened such contribution, receives a bank card as a present and has possibility round the clock to carry out operations on cash dispenses (including to fill up the children`s contribution). Besides, the deposit helps not only to receive necessary means, but also to grow up the competent person in the financial plan: from your consent the map can be opened and   to the child,   if to it 6 years were already executed. It will help it to do small purchases or,   for example,   to pay for services of cellular communication without risk to lose money. And parents can supervise expenditure of the son or a daughter on this map,   receiving SMS - messages on the mobile phone. Opening of the children`s contribution gives to families a number of side benefits: preferential consumer and mortgage lending, and also possibility of reception of the credit for education for your child under the lowered rates.


Natalia Rakovich, the chief of department on work with private clients of the Yaroslavl branch of bank “ ROSBANK “:

- Our most popular contribution - the contribution “ Provincial “. It can be issued for a year, but after three months these means can be withdrawn both partially, and completely. Thus the client draws the added interest. And for the remained sum of the contribution percent also are charged.


Anna Volkova, the senior manager on work with private clients of the Yaroslavl branch of bank “ ROSBANK “:

- I Will add that a ruler of contributions “ ROSBANK “ it is various enough and capable to satisfy absolutely different requirements of the population therefore as we have deposits both with low level of the minimum sum of the contribution, and with the high. Besides, we offer contributions with the big set of additional options for businessmen. This replenishment, partial delivery of the sums from the contribution, possibility of a choice of monthly reception of percent. I will notice that the most favourable deposit for today is the seasonal offer - the contribution “ the Summer record “ on which the highest interest rate is established. Similar seasonal offers are available in our bank for any season.


Evgenie Svilikov, the head of department on work with clients   the Yaroslavl branch of Open Society “ Russia - bank “:

- For our investors there is small, but very accurate and accessible ruler of contributions. At us only six kinds of contributions, but these contributions can satisfy requirements of any client. Besides, if the contribution sum is equal or exceeds 30 thousand roubles, the client can receive as a gift international plastic   a map on which the credit limit - to 50 % from the contribution sum can be established. The rate on a credit limit - 17 % in roubles of the Russian Federation, 14 % in foreign currency. The difference between the rate on a credit limit and the rate under the contribution is insignificant, therefore the client can, without removing the sum from the contribution, to use the established credit limit. Thus we give out the international maps   - VISA or Master Card that is very convenient for a number of clients. Besides, recently in our bank the program according to which to loyal investors, that is what trust us and regularly prolong contributions for over 9 months is started, we raise the interest rate under the deposit - from 0,25 % to 0,5 %, depending on number of prolongations. Along with it in “Russia - Bank” regularly there pass various actions. So, the action “Contributions - simply song” on June, 2nd has begun. Each client who has opened the contribution for the sum over 60 thousand of roubles for the term from 181 days can receive as a gift MP3 - a player or CD - a radio tape recorder. This sort of actions are spent on all branches “ Russia - Bank “. All it is very productive for us and it is interesting to clients   - we like to give gifts, and to clients - to receive them. During the previous action we presented to active investors of a juice extractor and DVD - players. And the following our action - I will open small secret - will consist in donation of gold ornaments.


  Alexander Dobrjagin, the deputy director of the Yaroslavl branch of bank of Joint-Stock Company “ rajffajzenbank “:

- “ rajffajzenbank “ is one of the largest banks in the central and east Europe, doing business since 1862. Affiliated structures of bank, besides Austria, are in Russia, Poland, Ukraine, other countries. Therefore people, coming to us and trusting the means, become clients of the international bank group having a wide experience in servicing, offering service of the level corresponding to the western standards. Today we offer a ruler of contributions which is capable to satisfy requirements of absolutely various groups of clients. As for those to whom, and higher rate is interesting to those for whom are necessary removal or account replenishment possibility. I want to stop on the deposit " more in detail; the Investor “. Here the maximum interest rate and account replenishment possibility are provided. Percent from this contribution can how to accumulate (to increase to the contribution sum), and to be listed on a current bill of the client from which they can be removed cash, to list on other bill, to pay utility bills, fee of operators of mobile communication and etc. And to do it it is possible by means of the service rendered by us Electronic office allowing through the Internet to operate by own bill. There is the universal deposit, allowing how to fill up, and partially to remove means from the contribution (but not below the certain threshold sum). It gives to the client, first of all, mobility in management of the finance without loss of the percentage income. Also there is offer very attractive, in our opinion, - the investment deposit which opens in case the client gets the share of investment fund. The interest rate under this deposit for a period of 1 month makes 10 % annual. Besides that so high interest rate under the deposit placed for a period of 1 month, is given by not all banks, to the client is given the chance to test as the investor. I will add also that contribution presence in our bank gives the chance to the client to receive subsequently concessionary terms at crediting, in particular, at autocrediting. A leah

It is possible to deceive inflation?

:

- According to the sociological research spent on a site in Yaroslavl, 50 % interrogated will prefer to risk the savings for the sake of high interest rates. 28 % will prefer traditional deposits with low, but as readers consider, reliable percent. And only 21 % of respondents will agree to place money in PIFS. By estimations of the Russian experts, in the first quarter 2008 inflation has made an order of 4,5 %. A leah can save up bank contributions money from depreciation?

Oleg Shalaev, the head of department of retail operations of the Yaroslavl branch of bank “ the Renaissance “:

- And under forecasts of analysts, and by our estimation rouble contributions can save up money resources from inflation, but they have arrived will not give. If inflation is within 10 - 11 % (and at us at all approximately rates identical) certainly from inflation contributions will save up. But it is not necessary to expect a gain.

Alexander Dobrjagin, the deputy director of the Yaroslavl branch of bank of Joint-Stock Company “ rajffajzenbank “:

- If for the first quarter 2008 inflation has made an order of 4,5 %, for a year it will make approximately 16 - 18 %, at least. Therefore to increase money resources by placing on bank deposits it will not be possible. In this situation “ rajffajzenbank “ it suggests to be reoriented on PIFS. If the person has available assets which it does not plan to use in the near future and would like to increase, the PIF - that reference point necessary to it. If to consider intermediate term prospect, at acquisition of shares for term, let us assume, in 2 years, the person remains in plus. Certainly, here there is no state system of insurance, as in a case with deposits. But besides it is necessary to be converted to history. For all time of existence of PIFS any share investment fund, unlike banks, has not gone bankrupt, having enclosed means in the action of the Russian enterprises for the term from 1 year, the probability to receive negative result is extremely insignificant.   Besides, system of insurance of contributions it not panacea, there are restrictions on the sums which are paid in case of bankruptcy of bank.

Clients it is important to them garantirovanno to return own means, let even with the income which size essentially below the size of inflation, is split up by the investments and place contributions to different banks, other part of the population, wishing to increase the means, puts them in the tool, which though and in the absence of guarantees, nevertheless, gives the chance to defeat inflation. Certainly, there is an alternative to bank investments - investments in real estate. But, if to analyse, the real estate for last three years, the same apartments, houses, the ground areas has how much grown in price, and to draw an analogy, how much our clients have earned for the given time interval, placing money in shares, it will turn out that clients of PIFS have earned in 2 - 3 times more.

Advantages of share investment funds

:

- It turns out, what PIFS can become an income source? It would be desirable to learn more in detail about the mechanism of work with funds.

Natalia Rakovich, the chief of department on work with private clients of the Yaroslavl branch of bank “ ROSBANK “:

- the Management company “ Rosbank “ operates the several share investment funds, each of them has the strategy. There are funds that is called, more aggressive, aimed at the maximum profitableness, is more conservative, having thus the minimum risk for clients.

the Greatest popularity the open PIF of the mixed investments " today uses; the Pomegranate “. By results of 2006 this fund has shown very high profitableness - an order of 67 %. As to 2007, here the situation in the market has developed hardly worse, at all PIFS profitableness was more low. At “ the Grenade “ in particular, profitableness has developed at level of 21 %. But it too quite good result if to compare to profitableness of the deposit.

On a broader scale if to speak about advantages of placing of money in PIFS in comparison with deposits, profitableness of PIFS, certainly, above. Besides,   poskolku funds is not the legal body, fund money is not taxed. The tax arises only at share repayment, and it much less, than the tax with which the income under contributions is assessed., if the rate under the contribution   exceeds   the refinancing rate.   the minimum sum of investment of PIFS UK “ Rosbank “ - 30 thousand the roubles, the subsequent acquisition of shares - from 5 thousand roubles. Thus on service of the bill the client does not bear any expenses.

I Will add that our management company has proved as stably working, it becomes regular the winner of national competitions. So, UK “ Rosbank “ became the winner of the National award in the field of business “ the Company of year - 2007 “ in a nomination “ Share investment fund “.

Alexander Dobrjagin, the deputy director of the Yaroslavl branch of bank of Joint-Stock Company “ rajffajzenbank “:

- There is a golden rule: it is necessary to buy shares when their price falls, and to sell, when grows. To sell shares while there is a market falling, it is not recommended.

Our bank acts as the agent of the Management company “ rajfajzen the Capital “ which suggests to get shares of nine funds, among them is more risky, allowing to receive the maximum income, and, accordingly, less risky, the risk of falling of which price of the share is low, and profitableness surpasses the interest rate in deposits. Therefore, if there is a desire to receive profitableness higher, than at placing of money into the deposit, please, be converted in “ rajffajzenbank “ at us perfect advisers for PIFS.

On a broader scale I want to notice that concerning PIFS there was a certain stereotype as if it something difficult for understanding and does not approach the simple person. Actually, all is extremely simple, it is not necessary to possess any special financial literacy since, getting the share, you transfer money resources in the company control which employees are professionals in the given sphere, and behind the company control is carried out from an executive power state structure - FSFR. To start to invest it is possible from quite accessible sum, so according to offer UK “ rajffajzen the Capital “ the minimum sum of initial investments makes 15 thousand roubles, and the minimum sum dokupki shares - 3 thousand roubles. Now we recommend   to our clients to invest the means for acquisition of shares in funds “ rajffajzen - Raw sector “ and “ rajffajzen - Consumer “.  

the Got share, the person should understand that can extinguish it   though next day. But we recommend to do investments a minimum for 1 year and to receive the notable income - on 2 - 3 years. Registration terms does not differ almost from terms of registration of contributions, the basic time is occupied with consultation of the client. And for registration of purchase of the share the passport is necessary only.

Thus, investment in the PIF - operation simple enough   and it   does not demand from the client of any specific knowledge for management of the investments. Certainly, the person can is independent to leave on a stock exchange and to try to play that is called, at random. But if it became the client of the Management company “ rajffajzen the Capital “ its money experts - professionals behind whom the state control is carried out operate. It allows to receive almost guaranteed considerable income.

Anna Volkova, the senior manager on work with private clients of the Yaroslavl branch of bank “ ROSBANK “:

- Thus it is necessary to consider, certainly, that guarantees of reception of the income at purchase of PIFS nobody gives. And results of activity of PIFS in the past at all do not define results of prospect. But if to be converted to management company history “ Rosbank “ at it never was situations when there would be a negative profitableness on PIFS. Risk not to receive the money is only in the event that you have got certain number of shares, and have urgently decided them to extinguish, and have got during this period when correction on a securities market has gone, quotations have fallen. But experts of bank watch tendencies of the market and will consult the client about structure of funds, strategy of investment, share costs.

By the way, on site UK “ Rosbank “ it is a lot of helpful information for those who would like to force to work the money. Every day share costs, cost of a net wealth of funds, and all news which can be anyhow connected with profitableness of securities are published. And clients of PIFS, as a rule, use this information before to make the decision on share purchase.

I Will add that it is difficult to us to give an unambiguous answer about where investments of our clients because all depends on how the market behaves are particularly distributed, what actions will be perspective by sight manager UK “ Rosbank “. Today it can be telecommunication branch, tomorrow - car industry. But, I will repeat, still never experts of the Management company “ Rosbank “ were not mistaken at a choice of an investment of money of our clients. Professionals are capable to understand nuances of the market and to react in appropriate way.

Olga Onuchina, a brand - the manager of the Yaroslavl branch of bank “ the Renaissance “:

However even if you the supporter of risk, I recommend to remember a golden rule of the investor   - never   to put all eggs in   one basket. At least, the part of means is better for putting on   the deposit. It will create to you “ a pillow “ on   a case, if game on   stock market it will appear unsuccessful. The bank contribution   is an optimum tool for capital preservation. Each tool will find the investor. Reliability and   profitableness   are two poles, and   golden mean should choose   you.

Seasonal contributions as a way to receive “ fast “ the income “

:

- Many banks offer today so-called seasonal contributions, with good interest rates. In what appeal of such contributions and a leah it is possible to receive the real income with their help?

Evgenie Svilikov, the head of department on work with clients   the Yaroslavl branch of Open Society “ Russia - bank “: - Seasonal contributions, as a rule,   more favourably standard short-term deposits on 1 - 2 % on the average. But it is necessary to consider that terms of such contributions are insignificant - before half a year, no more. Therefore there is a sense to put means in seasonal deposits if the client does not gather   to prolong the contribution and would like to use at once money after repayment of such contribution.

Natalia Rakovich, the chief of department on work with private clients of the Yaroslavl branch of bank “ ROSBANK “:

- “ ROSBANK “ regularly offers seasonal contributions. Their advantage that the interest rate on them above the rate on “ usual “ to contributions on 2 - 3 percent. Seasonal contributions within 1 year are made out. Thus the investor should observe the terms stipulated by the contract, only then he will draw the interest.

Anna Volkova, the senior manager on work with private clients of the Yaroslavl branch of bank “ ROSBANK “:

- the seasonal contribution Most popular for today which offers “ ROSBANK “ it is the contribution “ the Summer record “. Besides that it has the maximum interest rate, it is given for a period of 6, 9 and 12 months. Besides, this contribution has been added recently by an option “ replenishment “. That is throughout all period of validity of this seasonal contribution the client has possibility to use this raised rate and to do additional payments during all period of validity of the contribution.

Oleg Shalaev, the head of department of retail operations of the Yaroslavl branch of bank “ the Renaissance “:

- I Want to add that placing of money in the seasonal contribution can use when there are free money resources. If those are not present, or they are available already in any traditional contribution to be engaged in transfer, to close one contribution and to open new it is not meaningful. Benefits it will not turn out. A leah

It is possible to become rich suddenly?

:

- There are banks which offer the population high interest rates. A leah it is possible to strengthen the financial position at the expense of such banks?

Oleg Shalaev, the head of department of retail operations of the Yaroslavl branch of bank “ the Renaissance “:

- Absolute size here this gradation “ high - low interest rates “ no. But if to abstract from concrete rates here will play, first of all, a role where these involved means will be put by bank. Because at placing of means in a risky market segment the situation when you or cannot draw your high interest, or on a broader scale " can turn out; will hang “ with return of the sum of the contribution. Such cases already were, and time and again. Therefore we consider that if a certain bank declares the high interest rate under the contribution, potential investors do not need to rush in a whirlpool with a head, and there is a certain reason to reflect.

Evgenie Svilikov, the head of department on work with clients   the Yaroslavl branch of Open Society “ Russia - bank “: - the Size of the interest rate depends on many parametres, in particular, from terms of placing of the contribution, from the sums, from currency. Size of the average interest rate of the majority of banks for today - from 11 to 12,5 % at placing of means in the contribution, for a period of 1 year. If to tell about contributions with higher rates, it, as a rule, long-term investments, for two years, for example. Agree, not each person will go on putting up money for such term and not to have possibility them to use. On a broader scale, at banks which it is accepted to call large which enter, say, in TORAHS - 30, rates about identical. And banks not so big, or what only enter the market,   can conduct the aggressive depositary policy and offer the raised interest rates.

  Alexander Dobrjagin, the deputy director of the Yaroslavl branch of bank of Joint-Stock Company “ rajffajzenbank “:

- Banks offer the raised interest rates under deposits in connection with requirement for the involved resources. And to involve resources they prefer at the population, instead of in the interbank market as it is accepted at the majority of banks. Therefore to potential investors there is a certain reason to reflect why so occurs. And where banks of their means will place. If the bank involves means, say, under 15 % annual, it should place these means under higher rate to justify the expenses. Bank, as one of possible variants,   can place means, by granting of credits to legal bodies, but the last usually involve resources under more low interests. Most likely, these means, will be placed in the market of retail crediting, and this market, considering available tendencies, today risky enough. Application by banks of other tools for investment, however, as it is known is possible, the raised profitableness means by itself the raised risk ….

E.Svilikov:

- On a broader scale before placing money in bank, it is necessary to learn, what is this bank that it from itself(himself) represents, what place occupies in a rating of TORAHS - 30 or TORAHS - 100. The more largely the bank, the is more to it than trust.

 :

- And where ratings of banks are published?

E.Svilikov:

- There is such edition - “ the Bulletin of Bank of Russia “. Here it is published Summary statistical materials on 30 largest banks of the Russian Federation. This list includes large federal banks. Also there are ratings on sites www. bankir. ru, www. klerk. ru on which there is a gradation of banks depending on parametres - the sizes of actives, own capital, a credit portfolio. Actually, the uniform rating scheme does not exist for today, but all of them in something are similar, that is, the bank which, conditionally, in one rating occupies 50 - e a place, cannot occupy in other rating 200 - e.

 :

- To a word about reliability of banks and security of contributions. All of us we know that today the state guarantees return of contributions at the rate to 400 thousand roubles in case the bank will turn to the bankrupt. If to assume such scheme: the client has placed in several banks the sum to 400 thousand under the big percent, there was an illusion that money in security...

Oleg Shalaev, the head of department of retail operations of the Yaroslavl branch of bank “ the Renaissance “:

- would not began to advise to be guided by such scheme. It is possible to get to what situation: you have put money for year, a year later have come to remove, and to you them do not give. As the system of insurance of contributions compensates not at once this money, it is a certain procedure on which passage certain term (licence withdrawal and etc. will leave) And as a result you can not draw interest on the contribution. Therefore I recommend to open   contributions to reliable banks.

Evgenie Svilikov, the head of department on work with clients   the Yaroslavl branch of Open Society “ Russia - bank “: - After licence withdrawal in bank the acting administration which accepts affairs at a bank management is entered, it usually occupies 2 - 3 months then it is appointed either the liquidator or the competitive managing director. Calculations with investors then begin. Under contributions percent in this time are not charged.

:

- And all - taki, the system of insurance of contributions is how much effective?

E.Svilikov:

- the sum Declared in the law - 400 thousand roubles - not completely becomes covered by the insurance. The state guarantees return of 90 % of the sum of the contribution, but no more than 400 thousand roubles. It would be desirable to notice that in Open Society “ Russia - Bank “ The program " operates; the Contribution + the insurance “ in conformity with which   our Bank   offers insurance of contributions with the sums from above 400   000 roubles. The insurer is the strategic partner of Open Society “ Russia - Bank “ - the Group of companies “ Rosgosstrakh “. The bank Premium makes from 0,3 % annual from the initial sum of the contribution, but the investor will pay to bank the given compensation only in case will ahead of schedule terminate the contribution.

:

- Where it is possible to learn about, a leah is included bank into system of insurance of contributions?

Alexander Dobrjagin, the deputy director of the Yaroslavl branch of bank of Joint-Stock Company “ rajffajzenbank “:

- About it it is possible to learn in direct in bank (both at office, and on a bank site), and also on the Agency site on insurance of contributions http:// www. asv. org. ru/. Joint-Stock Company “ rajffajzenbank “ also it is included in the list of banks - participants of system of insurance of contributions.

Should notice, system of insurance of contributions - not panacea. It is the additional tool, allowing to lower risks in strictly certain sizes.

Where to store money? Recommendations to the investor from competent experts

Oleg Shalaev, the head of department of retail operations of the Yaroslavl branch of bank “ the Renaissance “:

- the Ideal variant is a combination of the deposit, the PIF and the contributions adhered to cost of precious metals, and also Real estate purchase. At such combined variant the risks which are available in one segment, will become covered by profitableness in other. As to pure contributions   - it is necessary to orient, for what term to put money. They Be required in the near future or not. And depending on it to choose a contribution kind.

Evgenie Svilikov, the head of department on work with clients   the Yaroslavl branch of Open Society “ Russia - bank “: - I Will remind once again: contributions - not augmentation means, and means of preservation of money. I want to pay attention also jaroslavtsev that 2007 and 2008 show that contributions to currency turn out not so effective, as the contribution to roubles, because   on them there are currency risks, as, for example, falling of a rate of foreign exchange.

Alexander Dobrjagin, the deputy director of the Yaroslavl branch of bank of Joint-Stock Company “ rajffajzenbank “:

- If clients wish to place means in the deposit, first of all, it is necessary to be guided not by the interest rate, and on bank, on that level of service which he offers, financial stability which it has, and only after that to bear there the savings. Joint-Stock Company “ rajffajzenbank “ to the full meets the listed requirements. Are always glad to our clients.