Investment programs are offered by a variety of brokerage companies and official banks, promising rapid growth of cash deposits. Experts say that the safest Russian licensed intermediaries between a client and a broker are banks such as Tinkoff, Sberbank, VTB. In their opinion, the main advantage is opening a brokerage account in 5-7 minutes, depositing and withdrawing money in one system, and the absence of risks. Each financial structure offers its clients its own conditions.
Concept
An investment deposit is a deposit, the amount of which is divided into two parts:
- Basic – this is the usual deposit.
- Additional - the funds from this part will be invested in mutual funds (UIFs).
Money invested in investment funds is used by banks to play on the stock market, where shares of various enterprises are purchased.
You should understand the differences between an individual investment account (IIA) and an investment deposit. IIS is an investment that the client can manage independently (for example, the well-known banking organization Sberbank. An investment deposit registered there requires independent trading on platforms after completing a training course).
The client who has invested in the investment deposit does not take part in the process of making further transactions, he simply hands over the funds to the bank and forgets about them for the time specified in the terms of the contract.
conclusions
Gazprombank’s individual investment account is considered a fairly effective tool for increasing the capital of private investors. The company offers a variety of tariffs that can satisfy the needs of all categories of customers. Opening an account does not require any special skills, which makes cooperation with the bank as comfortable as possible.
It is wise to open new deposits after receiving preliminary advice from specialists. Like any financial product, there are risks, but they are mitigated provided that deposit funds are properly managed. The results of investment activities need to be assessed only after the program is closed.
Features of investment deposits
He can select investment instruments on his own, but there are certain restrictions. The banking institution provides a list of mutual funds from which the client can choose what he wants. He will not have the opportunity to purchase shares of other companies; this clause is stated in the contract.
In addition, the bank unilaterally decides on the distribution of the percentage of the deposit and contribution to mutual funds, taking into account the fact that the deposit can be issued for an amount not exceeding the value of the purchased shares.
The basis of investment deposits is that the bank creates a fund from money contributed by a large number of capital owners, and then distributes the funds on stock market platforms. The profit earned as a result of trading is divided among all depositors, taking into account the deduction of the management company's interest as a fee.
The minimum deposit amount is set by the bank and, most often, it is equal to 100 thousand rubles.
Customer Reviews
Most potential clients turn to the Internet for help before contacting Rosselkhozbank. Here you can find reviews of any product offered by a financial institution. Investments in the form of deposits enjoy numerous positive reviews.
Sergei Vladimirovich : “ We were looking for a bank where we could place our funds at good interest rates. The requirements for the bank were such that it should be large. Rosselkhozbank is one of the TOP 5 banks and at the same time it is 100% state-owned and you can get more interest on deposits than in other banks, or the same. We received comprehensive advice on deposits, provided complete information about the Russian Agricultural Bank, and confirmed that the bank’s sole shareholder is the state. They offered several more services for me, which turned out to be very profitable and they also explained everything about them professionally. Therefore, now Rosselkhozbank is my bank for servicing in all areas.”
Marina : “I would like to express my gratitude to employee Arkady Nebolsin for his professional advice and caring attitude. This is my first time at the bank and the first impression of the service pleasantly surprised me. I hope for constructive interaction in the future. The manager clearly explained all the conditions for registering deposits and helped me choose the optimal conditions for me.”
Andrey Stanislavovich : “I would like to say a huge thank you to the employee of the Russian Agricultural Bank, Yana Aleksandrovna, who represents the Arkhangelsk regional branch. In January, I contacted the branch in Arkhangelsk. It was necessary to: open a deposit account, connect the online banking system and issue a card “Amur Tiger - card for deposit”. Everything was done quickly and professionally, the entire operation took approximately 40 minutes.”
Insurance
The next feature is insurance of investment deposits. If an ordinary deposit can be insured under simple conditions, then investments in mutual funds are not subject to insurance, because investments in this case work differently.
As mentioned above, a mutual fund is made up of depositors’ funds, and they are managed by a third party for a fee. The positive aspect of mutual deposits is that the company’s funds can be redirected to any area of the economy in order to extract maximum profit.
It is for this reason that income earned from mutual funds is not insurable. Often there is a game going on in the stock market, the results of which cannot be predicted. Profit from mutual funds is no less susceptible to all sorts of jumps and risks, however, it can potentially bring the greatest benefit.
Requirements for registering an investment deposit
To enter into an investment agreement with a mutual fund, several conditions must be met:
- Confirmation by the client of the fact of majority. You can open an investment deposit only upon reaching the age of majority. This restriction is associated with independent capital management and taxation.
Playing on the stock exchange, one way or another, is associated with risks. Invested funds can be multiplied, but their complete loss is also possible. In accordance with the law, those persons who have reached the age of majority are allowed to dispose of wealth and bear responsibility for their actions and actions, fully understanding the consequences.
The next point is taxation. Depositing funds into mutual resources is considered as entrepreneurship and, accordingly, is subject to taxes. Despite the fact that persons under the age of majority can be tax payers, the legal side of this issue is so imprecise that all discussions arising on this issue can only be resolved by the judiciary. Actually, for this reason, investment deposits can only be made by those who have reached the age of majority and have received full legal capacity.
- Confirmation of employment. When depositing large sums, banking institutions ask the client for a certificate of the individual’s earnings. This is due to the legal side of the agreement, where mutual funds come into play.
In case of loss or decline in the assets of mutual funds, all issues are resolved in court, and in accordance with the current legal system, there is a requirement to confirm the ownership of deposits.
The legislation of the Russian Federation does not allow large investments without confirmation of citizen status, but at the same time does not require explanations from what sources the savings were taken. To make a contribution, you only need a document from your place of work, even if the client is employed as a janitor.
- Only residents of the Russian Federation can register an investment deposit. This condition does not require any discussion as investing in mutual funds is essentially entrepreneurship. This is how government systems in all countries are structured. Only a person paying taxes has the right to open an investment deposit.
- The deposit amount cannot be higher than the size of the mutual fund. The key is the interest rate. The deposit part increases profits, receiving a profitable increased rate due to contributions to investment funds. That is why deposits are mainly valid for short periods of time. In this way, banks are protected from inflation. There are quite common programs under which you can purchase additional shares, giving you the opportunity to increase your income and replenish your deposit.
Comparative table of investment deposit conditions
| Name of the bank | Loko bank | Promsvyazbank | Gazprombank | Bank Rosgosstrah | Raiffeisen Bank |
| Rate, percentage | 9,05 | 9,5 | 8,1 | 8 | 6,5 |
| Amount, in thousands | from 100 | from 50 | From 50 | From 100 | From 50 |
| 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 |
| Possibility of replenishment | No | ||||
| Prolongation | Available only at Promsvyazbank | ||||
| Capitalization | No | ||||
| Partial withdrawal | Possible only at Loko Bank | ||||
| Preferential conditions for early cancellation | No | ||||
| How interest is calculated | monthly | At the end of the term | At the end of the term | At the end of the term | At the end of the term |
From the table we can highlight the following features of investment products that banks offer their clients:
- The investment deposit period is up to 1 year.
- Additional options in the form of replenishment, withdrawal, capitalization, etc. are practically not provided, with some exceptions for investment deposits.
- Income is paid upon expiration of the contract.
Profitability calculation
Although there is no calculator on the Gazprombank website, as in many credit institutions, nothing prevents you from making all the necessary calculations yourself.
Moreover, in this case this will not cause any particular difficulties, because:
- the deposit cannot be replenished or withdrawn during its term;
- There is only one procedure for calculating interest - adding it to the deposit amount at the end of the term (i.e. there is no capitalization).
Thus, the calculation procedure looks like this:
- the investor finds “his” interest rate from the tables presented above (according to the terms of the current or future agreement);
- multiplies the corresponding deposit amount by a given percentage (if the deposit is made for a year), or by a percentage reduced by half (if opened for six months), or reduced by four (if for a quarter).
Example:
- deposit amount – 350 thousand rubles;
- period – 3 months;
- Interest is calculated according to special conditions.
From the table we find that the rate in this case will be 8.7% per annum. Divide it by 4 and get 2.175% for 3 months. We multiply 350 thousand by 2.175% and get 7612.50 rubles - income on the deposit.
How to open an investment deposit
The process of opening an investment deposit is practically no different from opening a regular deposit.
You already understand what an investment deposit is. Opening it is done as follows:
- A potential investor chooses a financial institution and studies the programs.
- Clarifies the possibility of registering a deposit through a personal account online and at the bank’s office.
- When choosing the second option, the client should come to the bank with the necessary package of documents and amount.
- An investment agreement is concluded.
- Investment units and basic deposit are paid.
There is nothing complicated in the procedure for registering an investment deposit; a bank branch employee will help the client in preparing and accepting documentation, and will also advise on all emerging issues.
For clients who have previously used similar bank products, access to making a deposit through the user’s personal account is opened. It is necessary to find out in advance about the provision of such an opportunity.
Deposit calculator
To estimate the level of profitability from the proposed investment deposit, you can use a deposit calculator.
This program allows you to choose the most optimal conditions for placing free finances, depending on:
- Amounts of funds.
- Terms of the expected contribution.
- Percentage components.
- Method of receiving interest.
Deposit amount
Interest rate (%)
Deposit term (months)
Monthly interest
The resulting calculations are not final. The final amounts will be agreed upon upon conclusion of the deposit agreement.
Project Features
The principle of operation of such projects is similar to a Ponzi pyramid. A high percentage of payouts is ensured by incoming new deposits made by newly registered users. Thus, the project is fueled by new money, but as soon as the funds stop flowing and they are no longer enough to cover obligations to investors, the payments end and the hype is closed.
The fraud consists in the fact that the entire system is disguised as a fictitious legend, that is, a made-up story, due to which investors receive interest. Investors with experience understand all this very well and are aware of the possible risks associated with financing such projects.
