Keep your money

Keep your money
Keep your money
Anonim

Just a few years ago, the only safe place to keep money was at home. Today there are many ways to not only save, but also increase your savings.

Keep your money

Just a few years ago, the only safe place to keep money was at home. Today there are many ways to not only save, but also increase your savings.

How to save money

Private security. If you keep money at home, one of the surest ways to protect yourself is to place your apartment under police guard. The cost of the service is 6000 rubles for installation and 200 rubles monthly. Cons: The installation process can take several months and you will have to sign a lot of papers.

Safe. Installation of the simplest safe built into the wall costs from 50 to 100 dollars. If you have $300, a cash safe that is permanently welded to the floor will suit you.

Traveler's checks. Savings can also be stored in traveler's checks - these are documents that replace cash, they can be purchased at the bank. If the checks are stolen, lost or damaged (for example, due to the fact that you were flooded by neighbors), they are easy to restore at the bank with a passport and purchase receipt.

Safe deposit box. The bank gives you access to the safe deposit box at any time. And if he loses his license, money and valuables from the cells are issued without fail and in the first place. The downside is that you will have to pay from $100 per year for renting a cell.

Highly liquid goods - precious metals, art, coins. Keep in mind that precious metals have value only in bars and coins. In a pawnshop, gold jewelry (if it is not antiques) is classified as non-ferrous scrap and costs mere pennies. Card account. You open a bank account, deposit money into it and receive a plastic card that you can use at any time. If the card is stolen or lost, it must be blocked as soon as possible - and your money will remain safe and sound. As a rule, there is no interest on such a deposit, and servicing a card costs from 100 rubles. per month.

How to multiply

Deposit. The easiest way is to put money in a bank at interest, that is, make a term deposit (deposit). You deposit money for a fixed period, from 1 month to several years, and then receive the amount with interest. Foreign banks and state-owned banks are considered the most reliable, but their interest rates are also lower. For example, in Sberbank for a long-term deposit you can get 12% per annum in rubles, in commercial banks - 14% and more.

Mutual fund. Money can also be invested in securities. For a relatively small amount (from 5 thousand rubles), anyone can purchase a share in a mutual fund. The fund has a management company that manages the invested funds, and investors receive dividends that can reach 50% per year. The advantage is that after investing money you do not have to do anything: it all depends on the management company. But this is also a minus: you cannot influence the situation and if the management company makes a mistake, you lose your money.

Stocks and bonds. By purchasing shares, you decide which company to invest in. If it makes a profit, then it pays a part to the shareholders, that is, to you. But if the company goes bust, you go bust with it. Before buying shares, it is better to consult a broker who will help you complete the transaction and take a small percentage for the work.

Real estate. Apartment prices have been on the rise over the past few years. But the disadvantage of such an investment is that the sale of an apartment is a rather lengthy process. And, if you urgently need cash, it can be difficult.

SIMPLE TIPS

How to assess the reliability of a bank

  • Bank reliability ratings are published in economic publications, and information about Russian banks is available on the Central Bank website www.cbr.ru
  • One of the signs of reliability is the long history of the bank. For domestic banks, this is 5 years or more. The history of reputable foreign banks can be up to 100 years old.
  • As a rule, you can trust Western banks: the failure of a Western bank is an exceptional event.
  • Compare the interest rates of different banks. Too high a percentage should alert you. In 2005, the bank deposit insurance program comes into force. Deposits up to 100 thousand rubles will be guaranteed to be paid in case of bank failure.

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