Investment deposit: earnings feedback

Many people habitually store funds on deposits in banking institutions. For many years of existence, this tool has proven its reliability in ensuring the safety of money, besides, it can be opened in any bank, in a matter of minutes.

But despite the obvious advantages, the deposit has a disadvantage - a low interest rate. In most cases, it is impossible to even cover inflation with accumulated interest, the contribution allows only to save own funds, but not to increase them. This minus does not please the depositors at all and forces them to look for more profitable bank instruments. One of them is considered an investment deposit.

The concept of

Investment deposit is a deposit, the amount of which is divided into two parts:

• The base is a habitual contribution.
• Additional - the funds of this part will be invested in unit investment funds (mutual funds).

The money invested in investment funds is used by banks to play on the stock market, where shares of various enterprises are purchased.

It is necessary to understand the differences between an individual investment account (MIS) and an investment deposit. IIS is an investment that a customer can manage on his own (for example, the well-known Sberbank banking institution.) An investment deposit issued there assumes independent trading on the sites after passing the training course.

The client who invests in the investment deposit does not participate in the process of making further transactions, he simply hands over the funds to the bank and forgets about them for the time prescribed in the contract terms.

Features of investment deposits

It can independently choose instruments for investment, but there are certain limitations. The banking institution provides a list of mutual funds, from which the client can choose what he wants. Opportunities to purchase shares of other companies he will not, this paragraph is prescribed in the contract.

In addition, the bank unanimously decides on the distribution of the percentage of the deposit and contribution to mutual funds, taking into account 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 of money contributed by a large number of owners of capital, and then distributes funds on the stock market. The profit earned as a result of trades is divided among all the depositors, taking into account the deduction of interest of the management company as a fee.

The minimum amount of the deposit is set by the bank and, more often than not, it is equal to a value of 100 thousand rubles.

Insurance

The next feature is insurance of investment deposits. If the usual deposit can be insured on simple terms, investments in mutual funds are not subject to insurance, because the investments in this case work differently.

As mentioned above, the mutual fund is formed from the funds of depositors, and their management is performed by a third-party organization for a fee. The positive moment of mutual contributions is that the enterprise's funds can be redirected to any area of the economy in order to extract the maximum profit.

It is for this reason that the income received from mutual funds is not subject to insurance. Often in the stock market is a game, the results of which can not be predicted. The profit from mutual funds is no less subject to all sorts of jumps and risks, but potentially it can bring the greatest benefit.

The requirement for registration of an investment deposit

To conclude an investment agreement with a mutual fund, several conditions must be fulfilled:

• Confirmation by the client of the fact of majority. Make an investment deposit can only after reaching the age of majority. This restriction involves the independent management of capital and taxation.

The game on the stock exchange, one way or another, is associated with risks. The invested funds can be multiplied, but their total loss is also possible. In accordance with the law, to dispose of the state, to bear responsibility for their actions and actions, fully understanding the consequences, is allowed to those persons who have reached adulthood.

The next point is taxation. The introduction of funds in mutual resources is considered as entrepreneurship, respectively, is taxed. Despite the fact that under-age persons may be tax payers, the legal side of this issue is so inaccurate, all the discussions arising on this issue can be resolved only by the judiciary. Actually, for this reason, it is possible to make out investment deposits only after attaining the age of majority and having received full legal capacity.

• Confirmation of employment. When making large sums, banking institutions ask the client for information about the earnings of an individual. This is due to the legal side of the agreement, where mutual funds float up.

In case of loss or reduction of assets of mutual funds, all issues are resolved in court, and in accordance with the existing 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 the status of a citizen, but at the same time it does not require an explanation of the sources from which savings were taken. To register a contribution, you will only need a document from your place of work, even if the client is employed by a janitor.

• Only Russian residents can issue an investment deposit. This condition does not require any discussion, since investing in mutual funds is, in fact, entrepreneurship. This is how the state systems of all countries are organized. Investment deposit has the right to open only the person paying taxes.
• The amount of the deposit can not be higher than the amount of the mutual fund. The essence of the interest rate. The deposit part increases profits, receiving a favorable increased rate due to a contribution to investment funds. That is why contributions are mainly for short periods of time. Thus, banks are protected against inflation. Quite common programs are for which you can purchase additional shares, which enable you to increase your income and replenish your deposit.

Where can I open an investment deposit?

First of all you should consider banking institutions located near your region of residence. So that if you need a personal presence, you can quickly reach.

Many financial institutions offer an investment deposit, consider the most popular of them:

• Loko Bank;
• Promsvyazbank;
• Gazprombank;
• Bank Rosgosstrakh;
• Raiffeisenbank.

Comparative table of conditions for investment deposits

From the table, we can distinguish the following features of investment products that banks offer their clients:

• The term of the investment deposit is up to 1 year.
• Additional options in the form of replenishment, withdrawals, capitalization and so on are practically not provided, with some exceptions for investment deposits.
• Income is paid at the end of the contract.

How to open an investment deposit

The process of making an investment deposit is practically the same as the opening of an ordinary deposit.

You have already understood what an investment deposit is. Opening it is done as follows:

• A potential investor chooses a financial institution, studies programs.
• Clarifies the possibility of making a deposit through a private office online and in the office of the bank.
• When choosing the second option, the client should appear in the bank with the necessary package of documents and the amount.
• The investment agreement is concluded.
• Investment shares and base deposit are paid.

In the procedure for issuing an investment deposit, nothing is complicated, the employee of the bank's branch will help the client in the preparation and reception of documentation, and will also consult on all emerging issues.

For customers who previously used similar products of the bank, access to the deposit registration through the user's personal cabinet is opened. It is necessary to know in advance about the provision of such an opportunity.

Contributions to investment projects

In addition to bank investment deposits, there are so-called high-yield projects called haypami.

HYIP or HYIP (High Yield Investment Project) is translated from English as an investment project with high profitability. However, such an investment deposit, according to clients' opinions, is fraud.

Features of the project

The principle of operation of such projects is similar to the Ponzi pyramid. A high percentage of payments is provided by incoming new deposits, which are made by newly registered users. Thus, the project is fueled by new money, but as soon as the funds cease to flow and they cease to be enough to cover the liabilities to the depositors, the payments are over and the HYIP is closed.

Fraud is that the entire system is masked by a fictitious legend, that is, a fictitious story, through which investors receive interest. Investors who have the experience, perfectly understand all this and realize the possible risks associated with the financing of such projects.

Conclusion

Such banking products as a transitional form from a passive to an asset have all chances of existence. Investment deposits in banks, customer references about which are rather contradictory, it is reasonable to open with a minimum amount and evaluate by results, especially since the term of the deposit is rather short with a relatively high interest.