In which currency to keep money in 2012

Savings are one of the items that ensure the financial stability of the family or individual. And everyone, one way or another, understands that money should be stored in a bank, and not under a pillow. But before asking the main question, in which currency to keep money, we will analyze a couple of important aspects.

Term and interest

On long-term deposits can not be speech: stability of the economic situation in the country for the next five years has not yet been decided to predict. Therefore, the only reasonable way out of the situation would be to put money into the account for a year or two at a high percentage.

By the way about percent, everyone also wants to make their money work, i.e. Bring in revenue. Therefore, we are all looking for bank offers on deposits in rubles from 10%, in dollars from 4%, in euros from 5%. But, unfortunately, such deposits require a significant amount of money to open them - from 1 million rubles. By making thousands of 10 rubles, you can not claim more than 6% per annum. And this is understandable, it is advantageous for the bank to keep your money, to put them into circulation, to earn them, giving you a small percentage. And what can your small savings bring to the bank?

Deposits in foreign currency

With a term, the amount of deposit and interest, we sorted it out. And now our main question - and in what currency to keep money? There are a lot of options: not only the "notorious" euros, the dollar and the Russian ruble. But also the Canadian dollar, the Japanese yen, the Swiss franc, the pound sterling, the Czech crown. And despite the fact that some of these currencies are more expensive than the euro, still the most common offers of banks are deposits in rubles, dollars and euros in currency.

After the economic crisis that came to us from the USA, after the terrorist act, the dollar rate fell incredibly, allowing the euro to take its position in the market. And today these two competing currencies have stabilized: the euro is slightly more expensive than the dollar (32 rubles against 39). How this fight will develop further is unknown. In which currency to keep money in 2012 - is also not clear. But analysts not so long ago warned the population about the growth of inflation, which means that urgent deposits in rubles now will not bring income. How to be?

Compromise option

Modern experts in the field of economics and finance came to the solution of the problem in which currency to keep money, creatively. Analysts recommend that citizens keep money in just a few deposits in different currencies equally. They argue that this way it will be possible without losses due to fluctuations in the exchange rate to cash out their savings.

Choosing the best conditions for the deposit

One of the attractive conditions for bank deposits is the ability to withdraw charges every month without spending an invested amount. And also the loyalty of the bank in relation to the early closure of the account (there are different situations).

To select a suitable deposit, everyone can use the relevant service on the bank's official website. Sberbank of Russia, for example, took care of creating such a service for its customers.

In what else it is possible to store savings

In addition to the question stated here, in which currency to keep money, it is possible to consider alternative options.

Savings certificates (securities) allow you to get the maximum possible income - up to 12% per annum.

Precious metals steadily grow in price: 1600 rubles. - gold, 1400 - platinum. The depositor gets an opportunity to withdraw the income received due to the increase in the cost of metal. Despite the common opinion on the complexity of acquiring and opening such a deposit, the metal is acquired instantly, at the time of the appeal. And also quickly sold. Banks at the same time offer free account maintenance and opening.

Investment coin will be a perfect gift to a friend or yourself and an excellent way to save money. In one of the new precious coins can contain 7-8 grams of gold.

In light of all that has been said about deposits, options for storing money, and, of course, about the currency in which to keep savings, I would like to emphasize the following. Offers from the banks received a lot, and now we have from what to choose: the usual option or more profitable ... Everyone decides for himself. The main thing is to try to understand the proposals and monitor the economic situation, so as not to lose the savings.