No more bets: what happened to Bank deposits

The ruble depreciates, And the contributions of practice does not generate revenue. Rates nedotyagivaet And up to five %, which just covers the inflation. Citizens of Russia close the deposits, the banks are preparing For the outflow of customers. Last news I figured out where to shift funds with lower risk And higher interest.

The yield of deposits very quickly fell in April, when the key rate was reduced to 5, 5% per annum. In June dropped to 4, 5, now - 4, 25. This is not the limit.

of course, affordable loans need the business And people. But If the Central Bank is ready to issue to credit institutions cheap money to attract new investors it is not So important, And they reduce interest rates.

according to the monitoring controller, the average maximum rate of the ten largest credit institutions in the second decade of July dropped to 4, 55 whereas in the beginning of the month was 4, 63. Experts believe that the Yield of ruble deposits will fall to 4 %, And some banks And below.

This is confirmed by the banks themselves. As said Deputy head of the management Board of VTB Bank Anatoly Pechatnikov, in the end, the situation with deposits will be the same as the mid 1990-ies. Then Inflation exceeded the interest rate on deposits And they were not seen As a tool of protection savings.

Inflation from January to June 3, 21%, And for the year may reach 4, 5-5%. If the Central Bank will continue to reduce the key rate, interest on deposits will fall below inflation.

According Pechatnikova, credit organizations are preparing For the outflow of investors. As shown by research Rosgosstrakh Bank And NAFI, about a third of Russian citizens are prepared to take the personal funds of credit institutions At reduced rates.

that is, It has already begun. According to the Agency for Deposit insurance (DIA) in the 1st quarter of the year, the aggregate amount of deposits of physical persons in size from one to 1, 4 million rubles decreased by 2, 4%, from 100 thousand to a million - 1, 3% And up to 100 thousand - 6, 7%.

"Influenced by the costs of isolation, the citizens spend savings. Moreover, the measures proposed by the government And the President, providing fresh taxes on the Deposit And the increase in the personal income tax to fifteen % for those whose income is above five million rubles a year, has forced many to re-hide the money under the pillow, " says Vitaly Mankevich, head of the Russian-Asian Union of Industrialists And entrepreneurs.

The analyst predicts that in 2021 the real Deposit Rates become negative.

Main question: where Else can you place savings with respect to low risk And acceptable profitability?

"So, Tinkoff Bank launched the product" Investable ", which allows you to invest in the stock market. VTB and implemented in cooperation with "Yandex" project: in a subscription, Plus added expense for investment. The banks increase fee income through the sale of foreign financial products, For example insurance, "explains Sergey Leonidov, Director General of the financial marketplace" to Compare. Ru ".

According to Stanislav Uinskogo, the analyst of Bank " home Credit ", placing savings And debit cards, And deposits And bonds, and work to diversify their on terms. Moreover, due to the long period of investment, the client is rewarded with a higher interest rate.

Another option - opening foreign accounts, But It is more suitable to wealthy investors.

"If the client has a sufficient amount of from 100 thousand dollars, it is with open arms to take the Swiss, Luxembourg, Liechtenstein, Austrian banks, And banks are Andorra, Monaco," says Alexander Alexeev, a partner of GSL Law

sections: Politics