Do you want to make a profit by investing in an investment product? Every Internet user has probably come across such a proposal more than once. Especially if he is interested in Forex trading. Here the number of investment products is growing by leaps and bounds. But is it true that each of them is sure to bring high profits? What is generally hidden under the beautiful and clever phrase "investment product"? Let's try to find answers to these and other important questions.

Investment risks and opportunities.

Actually, investments are just one of the ways to allocate capital. Moreover, not the most reliable and not the most profitable. It is much more profitable to develop your own business. Although, you can achieve success in it only if you have good ideas, knowledge of your business, perseverance and, as a rule, hard work ... It is much safer to invest in a bank (better than some state savings bank, as commercial ones burst from time to time). The risks will be minimal, but the profits will be symbolic.

The advantage of the investor is that, doing practically nothing, he can "cut off" interest from his capital. Profits are higher than in bank accounts. But neither in Russia, nor in other countries of the world, the state guarantees the investor the safety of his capital. Therefore, he must always remember the probability of financial losses and choose the investment product in which the ratio of profit and risk will be optimal.

By the way, any object of investment is called an investment product: a contract, a business plan, property, - anything that can be profitably invested in large or small capital. If you buy a bond, a share in a fund, a share or a piece of property in commercial company, you invest in an investment product. You can invest in a portfolio that is made up of several assets at once. It can be structured by composing both highly reliable and highly profitable, but risky assets.

Just like on stock exchanges, Forex investments are made in order to invest them in profitable projects. Your money is needed by traders who know how to effectively manage capital and conduct profitable trading. Attracting investors is more profitable for them than taking, for example, loans. After all, the loan must be repaid within the agreed timeframe and with predetermined interest. If the borrower has problems, the lender will still demand their money with interest. The investor will receive income only when the product he has chosen turns out to be profitable.

The return on investment directly depends on the success of the manager. If the investment product turns out to be a failure and the trader loses capital, you will also be left without money. Therefore, it is so important to make the right decision when choosing an object for investment.

		Points	votes BEHIND	votes AGAINST	Result	Vote
1		1,025.00	154	34	1,145.00
2		1,025.30	121	31	1,115.30
3		1,034.00	50	6	1,078.00
4		1,032.20	43	13	1,062.20
5		782.00	89	12	859.00
6		335.60	268	7	596.60
7		318.00	79	13	384.00
8		317.50	89	31	375.50
9		329.50	43	5	367.50
10		303.00	74	13	364.00
11		270.20	78	20	328.20
12		226.00	64	23	267.00
13		196.60	34	17	213.60

Types of investment products in Forex.

Various services, financial instruments, portfolios, strategies offered by managers can become the object of your investments. Forex opportunities to invest in a standard product or create your own individual project very large. With all our desire, we could not even list all of them. Let's take a look at some of the popular ones.

• PAMM accounts: You give your money to you management of an experienced trader. He performs operations on the Forex market simultaneously with his own and attracted capital, earning profit for himself and his clients. The manager's services are paid in the form of commissions from turnover or profit.

Advantages : Instead of you, an experienced trader who knows his business well and makes a minimum of mistakes is trading. The profitability of such investments is almost always higher than that of novice Forex traders trying to make transactions on their own.

Flaws : Guarantees for the safety of capital come down to the fact that in the event of bankruptcy, the manager will lose his money along with yours. But for various reasons, many PAMM accounts turn out to be unprofitable.

• Portfolios of PAMM accounts: You can choose several managers among whom you will distribute your capital. The rest is the same as in the previous paragraph.

Advantages : It is reliable that several managers will not drain deposits in unison, making the same mistakes.

Flaws : Portfolio performance looks like a cross between the results obtained from successful and unsuccessful traders. That is, you earn less.

• PAMM account indices: The product is very similar to a briefcase. The index is compiled by the brokerage companies themselves from several of the most profitable accounts. Profit is calculated as the arithmetic average of the results of all PAMM accounts included in the index.

Advantages : Specialists are engaged in the selection of accounts for investment brokerage company, which avoids most errors at this stage. If the manager does not provide profitable trading, he is excluded from the index.

Flaws : All the same, the assessment of investment prospects is made on the basis of past performance of managing traders. We have to believe that in the future there will be no changes for the worse.

• Autotrading: Automatic copying of trades successful traders, trading on signals or setting up robotic advisors. Transactions are made on your account, but without your participation.

Advantages : You can stop auto trading if you are not making a profit.

Flaws : Strict requirements for minimum size invested capital. When the nature of the market changes, the signals may not work effectively.

• Strategy Portfolios: The broker tests a number of auto trading strategies, choosing the most profitable ones on this moment. A portfolio of strategies is being formed, which are offered to be set up on the trader's trading terminal. You just have to subscribe and start the transactions in automatic mode.

Advantages : Higher risk protection than investing in individual auto trading EAs or signal providers.

Flaws A: Usually an even larger deposit is required than for autotrading.

• Precious metals, CFDs, futures and other financial instruments in the Forex market: Actually, they can be traded as currency pairs. But it makes sense to keep positions open for many months, waiting for a significant change in quotes, which will actually become an investment.

Advantages : Prices for gold, oil, shares of the world's largest companies, etc. behave more predictably than currencies, which makes it easier to find a strategic entry point into the market.

Flaws : Despite the fact that you do not have to sit in front of a computer monitor all day, your risks are as great as those of other traders.

• Active investor- investment product of the brokerage company PrivateFX:

Advantages : you can work from one trading account in several directions at once;
can be used best strategies every manager. At the same time, in real time, you can monitor the course of trade of traders, the investor selects to his taste those of them that correspond to his personal preferences. Get more profit compared to classic PAMM managers.

Flaws A: Usually an even larger deposit is required.

What investment products do the Forex market leaders offer?

The rating of the best investment products of 2017 includes companies that occupy leading positions in the Forex market. Let's see what investment products are available for clients of brokers who have received the highest scores from MasterForex-V Academy (more than 500 points).

1. PrivateFX. The company offers PAMM-accounts, indices of PAMM-accounts and a new service "Active Investor", which is something between PAMM and autocopy, and also implies the ability to trade independently. By the way, this service helped the broker win the status of "Discovery of the Year" in 2015.
2. fxpro. The company develops for its customers trading strategies, offers risk management systems, as well as special platforms for automated trading.
3. Saxo Bank. The broker offers to invest in bonds, stock indices, futures, stocks, options and other instruments.
4. You can invest in PAMM accounts, PAMM portfolios, investment funds and structured products.
5. Swissquote. You can invest in funds, bonds, indices, futures and other instruments.
6. Offers PAMM accounts, auto trading and creating trading strategies.
7. FBS. The broker offers its traders and investors investments in the Forex currency market.
8. . The broker makes it possible to invest in the following investment products: Project "Personal Trader", "PROFIT-COPY", " Passive income"26% per annum.
9. The broker provides an opportunity to invest in CopyFX trade copy service and RAMM accounts.
10. . This broker foreign exchange market Forex gives its traders the opportunity to invest in its PAMM service.
11. . Forex market broker allows traders to invest in PAMM
12. Alpha forex. You can invest in precious metals, raw materials and energy, Eurobonds, US stocks, European stocks, Russian shares, indices, forwards.
13. . The Forex company gives you the opportunity to invest in LAMM and PAMM accounts. It is possible to connect trading signals from MetaQuotes.
14. Instaforex. InstaForex provides the following investment instruments: Forex Options, ForexCopy System, PAMM System, InstaWallet System.

How to choose an investment product?

First of all, decide on two points:

• How much money do you head to invest?
• What is your goal?

Once you answer these questions, the choice of investment object will narrow down on its own. However, try to answer them correctly.

Unfortunately, the Russian layman still has to explain that it is better to keep the money set aside for treatment or education and not invest in risky enterprises. And even more so, you do not need to take a loan secured by a single apartment in order to make a profitable investment. Invest only available funds, the probable loss of which will not lead to a significant decrease in the standard of your life. If you calculate the amount of investment based on these considerations, no disaster will ever happen. Even if attempt number one fails, the second or third time you will beat off the losses.

Now about the goal. The primary task of an investor is to protect his capital from inflation. Over time, even the most reliable and highly liquid currencies depreciate. If they are not multiplied by at least the percentage of inflation, capital will evaporate like water from a puddle on a hot summer day. Alas, not all bank deposits can achieve at least this goal. On the other hand, conservative investment products with high guarantees make it possible to overtake inflation, receiving not only nominal, but also real profit.

There are many products in the Forex market that promise very fast capital growth. Naturally, the risks of such investments are high. Therefore, investors are not advised to invest all their money in strategies and traders that are characterized by an aggressive way of trading. Risky investment, of course. They may be present in your portfolio, but their share should be small, and possible losses should be covered by income from reliable instruments.

People pursuing the goal of getting rich quickly and easily, in 99% of cases “quickly and easily” lose capital. Choose investment products offered by serious companies. Check the effectiveness of strategies, managing traders, auto trading systems, etc. Do not rush to immediately invest more than the required minimum. Invest serious capital only in those products that you managed to test in the process of long-term cooperation.

Why do you need a MasterForex-V Academy rating?

The winner in the nomination will be the broker who, by the end of the year, will gain the largest number points (the sum of points received from the experts of the MasterForex-V Academy and the votes of ordinary Forex market participants minus the “against” votes).

To take part in the voting, it is enough to register on the website of the MasterForex-V Academy and click on the appropriate button in the rating table. Only one vote for or against each broker can be cast from one IP address. Accordingly, each vote adds or subtracts one point.

The MasterForex-V Academy encourages voting participants to take a responsible approach to their choice. Vote only for (or against) those companies whose proposals you understand. It largely depends on you which of the nominees will become the winner of the rating of the best investment products of 2017.

Ratings of MasterForex-V Academy make it possible to determine the leaders of the Forex market by various parameters. For many traders and investors, they have already become a reputable platform for right choice a brokerage company in which you can effectively and safely place capital.

• What is a structural product?

  Structural product (derivative financial instrument, fixed-term OTC contract) is a ready-made investment strategy, a complex financial instrument with a predetermined maturity. It makes it possible to invest in a certain asset and at the same time fully or partially protect investments from possible losses. Investors should be aware that structural financial products are not bank deposits and investments in them are not insured by the DIA.

• Why is the product called structural?

  A structural (sometimes structured) product is based on simpler financial assets and consists of several parts, each of which performs its own function, protective or investment. The structure of the product may include deposits, securities, currency, precious metals, raw materials and other assets, as well as derivatives on them.

• Who are structured products for?

  A fairly large circle of investors, in particular those who wish to invest in market instruments and at the same time have guarantees of full or partial safety of funds. For example, you want to invest in successful companies (Google, Apple, Lukoil, Gazprom, Sberbank, etc.), make a profit, but are not yet ready to enter the stock market on your own by buying shares.

• What are the benefits of structured products?

  Saving time for the investor - funds are placed in different assets with one investment; Flexibility - the choice of terms, amount, risk level; Accessibility - special knowledge and skills are not required.An additional advantage of Premier BCS is the choice of more than 100 options for ready-made structural products or the possibility of developing an individual product .

• What are the types of structural products?

  Structural products are divided into several categories: protective products with full capital protection - suitable for conservative investors, as they exclude risk or clearly limit it; profitable products with partial capital protection and aggressive - have a high profit potential with an increased level of risk; products with individual conditions.

• How much can I start investing with structured products?

  The minimum amount is 80,000 rubles. The minimum amount recommended by Premier BCS is 300,000 rubles. It will allow you to create a simple investment portfolio for certain purposes, for example, means for reserve fund or a starting base for future savings. To obtain a regular income or achieve serious financial goals, it is worth considering amounts from 1-3 million rubles. In this case, the maximum amount is not limited.

• What are the investment terms?

  From 3 months to several years.

• Where to begin?

  Before investing with structured products, it is important to determine your financial goals in the near and distant future. The choice of the structural product category will largely depend on this. A personal financial advisor Premier BCS will help you to develop a strategy for achieving your goal for free.

Hello! In this article we will talk about the features of investment deposits.

Today you will learn:

1. Is it worth opening an investment deposit;
2. How to open an investment deposit and which bank to choose;
3. What risks exist for an open deposit;
4. Are investment deposits insured?

Investment deposit as a way to increase capital

The investment deposit is suitable for novice investors. If you are at the stage of active study of the stock market, but still cannot trade on your own due to lack of skills, an investment deposit will be the first step on the way to professional asset trading.

If you are conservative and do not allow a possible loss of funds, then an investment deposit should not be considered. It is also not suitable for those who are ready to invest their last money, since in the end you will find yourself without a significant share of the latter.

With a successful result, the investment deposit will be able to bring high profits, which will bring additional funds. They can be used for personal purposes or, again, transferred to an investment deposit. This method of investment is gaining momentum, which means that everything more people interested in a new way of savings.

Whether you become one of them is up to you. The main thing is to correlate all the pros and cons, to realize which part of the capital you will calmly bear the loss of, and choose the appropriate tools for trading.

On what conditions the bank will open an investment deposit

As you already know, an investment deposit can be opened in banks. The main condition here is that the bank has its own management company, which has the purchase and sale of units of mutual funds.

However, not everyone can become a contributor. In view of the "non-standard" features of the deposit, requirements are imposed on the owners of free capital. in different credit organizations they may differ.

The main conditions under which banks conclude an investment deposit agreement:

• You must be at least 18 years old. An investment contribution implies that you are aware of your actions and understand possible consequences from investments (in the form of losses). Therefore, the responsibility for the money on deposit lies solely with the owner of the funds, who must be of age;
• Only persons permanently residing in the territory of the Russian Federation, that is, residents, are accepted as depositors. This is primarily due to taxation. All taxes from investment activity in our country should go to the treasury of Russia;
• It is not allowed to open a deposit for a deposit amount greater than the funds invested in mutual funds. This is due to the guarantee of the return of the deposit part. If its amount is significant, then such a transaction will be unprofitable for the bank. In this regard, the terms of investments do not exceed 12 months. Such a condition is necessary to protect banking organizations from rising inflation rates;
• For large deposits, the bank has the right to demand. It doesn’t matter to a banking organization where you get the funds for a deposit, but it can control your financial solvency. Therefore, if you officially do not work anywhere, you will have an obstacle to opening a deposit.

If you are an adult who lives most of the time in Russia, then opening an investment deposit will not be a problem for you.

Having a source of income, you need to document it for the bank. This is largely due to prohibited species. economic activity. They prevent the bank from legally accepting your funds for subsequent trading on stock market.

Opening an investment deposit

Opening a deposit is not much different from the process of concluding an agreement on a regular deposit. Difficulties arise only with the choice of the bank, instruments and terms of investment. If you are a beginner in this business, then it is better to consult with a competent specialist who will tell you how to take the first step correctly.

To open an investment deposit, you will need to go through the following steps:

• Choose a bank and management company. The latter will be one of the divisions banking organization. Here you need to pay attention to the bank's experience in opening investment deposits. You should not trust your money to a recently opened organization: choose a reliable leader among the banks represented in your city. Pay attention to the conditions for opening a deposit (amount, percentage deposits and unit amounts, mutual fund instruments and other features);
• Buy mutual fund shares. You should clearly realize that the fate of your money depends on this action. Any miscalculation can lead to loss of capital and negative experience. Get a consultant's opinion management company about certain shares and draw your conclusion;
• Open a bank deposit. To do this, a contract is drawn up for new customers or an application for existing ones. Your passport will be required and in some cases . The application form will indicate the period for placing funds and the features of opening a deposit;
• Bring documents confirming the purchase of shares to the bank. The bank must verify the transaction you have completed, and therefore you must transfer the fixed number of shares in the mutual fund to a banking specialist;
• Deposit money into account. This can be done by bringing cash to the bank teller. In this case, the operator will print and give you a copy receipt order, which is better to save for the duration of the deposit. You can also deposit funds online. If you are an active client of the bank, then you probably have a connected Internet bank and, for example, a savings account. After transferring money from one account to another, print out a payment receipt and submit it to the bank.

After you have entered cash on an investment deposit, the latter is considered open. The countdown date is specified in the contract you signed.

You can observe the investment deposit in personal account Internet banking. The funds you receive as income will be credited to your account automatically at the end of the deposit period.

TOP-12 banks offering investment deposits

If you decide to open an investment deposit, then you need to do it in a reliable and experienced bank. We have selected for you 12 banks that have longest term opening investment deposits and high percent profitable deals.

We have compiled the conditions for investment deposits of the TOP-12 banks in the table.

Bank's name	Minimum deposit amount in rubles	Minimum placement period in days	Maximum interest rate (%)
Bank Rosgosstrah	100 000	91	8,5
Sberbank	100 000	31	12
Gazprombank	25 000	91	9,1
Russian standard	30 000	180	12
Rosselkhozbank	50 000	180	8,75
VTB 24	350 000	180	11,75
ATB Bank	167 000	182	10,5
Promsvyazbank	50 000	184	9
Renaissance	100 000	181	9,25
Binbank	50 000	270	12
Uralsib	50 000	181	9
Rosbank	100 000	92	9,2

As you can see, the most acceptable deposit term for banks is six months. At the same time, the table shows the interest rates that you can receive as a result of investing funds. They may vary slightly depending on the amount and term of the deposit.

The highest interest rate covers periods of 6 months. If you leave funds for a longer time, then the interest decreases. The same happens with a period of up to 6 months.

What risks await the owners of investment deposits

You have probably already understood that opening an investment deposit is a rather risky business. Before concluding an agreement with a bank and a management company, weigh all the pros and cons.

If risk and money are incompatible concepts for you, then it is better to trust such a proven way of saving money as a deposit.

And investment shares carry the following risks:

• instability market economy does not allow predicting the result of investments. Jumps and volatility on Russian market- ordinary phenomena as a result of which in a short time you can lose all the money (in the event that the deposit amount is minimal). The management company does everything possible to ensure that clients' funds bring income. This is due to the fact that its profit depends on the success of the result. But in any case, the bank will remain in the black, since even for unprofitable transactions, a commission is provided in favor of the management company. In case of an unsuccessful scenario, you will lose up to 50% of your capital;
• You can lose a lot of money. It should be understood that banks are not responsible for the results of transactions. If the latter are unprofitable, you will not be able to return your money for which the shares were purchased. In this case, even the court will not help. You signed an agreement in which it was initially indicated that you are aware of the possible consequences and have no claims against the management company;
• Reduced liquidity. Not all banks are ready to part with money so easily, even if they are yours and are on investment deposit. Be prepared for the fact that if at some point you urgently need to withdraw money from the deposit, it may take some time. When drawing up an agreement, ask a banking specialist about the conditions of its early termination so they don't surprise you.

These are the main risks that will affect you when opening an investment deposit. It should be understood that any investment is associated with risks. If you want to get high returns, then be prepared for possible changes.

An investment deposit is a transitional form from a simple deposit to investment. It is considered the least risky, as it guarantees the return of part of the investment for any result.

As you gain experience as an investment contributor, you can move on to more serious forms of capital injections. This is where your risk assessment comes in handy.

Are investment deposits insured?

An investment deposit is a deposit and an investment in one product. We know that deposits are insured for state level, but no one undertakes to insure investments.

How is the situation with the investment deposit in this case? Let's figure it out.

The adopted deposit insurance system guarantees that in case of revocation of the license from the bank, each depositor will be returned the amount of the deposit, but not more than 1,400,000 rubles (previously it was 700,000 rubles).

This means that if you opened a deposit for 500,000 rubles, then when you close a banking organization, the entire amount will be returned to you. If you deposited 3,000,000 rubles to your bank account, then only 1,400,000 rubles will be accepted for return.

Those who hold millions of deposits have the right to recover the remainder through a lawsuit.

The investment deposit has a deposit part, which is insured according to this system. In other words, everything that is in the form of a deposit will be returned to you on a losing trade. If you placed an amount of more than 1,400,000 rubles, then you have the right to apply to the judiciary.

The rest of the funds that you deposited for shares of mutual funds, in case of a loss-making transaction, will not be returned! They are not covered by the law. This is the biggest risk of an investment deposit.

Such important feature the deposit is indicated in the contract and is announced to the client in the first place. If the management company was unable to profitably place the capital entrusted to it, then no one will cover your losses. You will also not be able to challenge the actions of the bank in court, since you yourself signed the contract and agreed to the proposed conditions.

Thus, the deposit part of the deposit is insured, as expected, for 1,400,000 rubles, and everything related to shares falls on your shoulders.

That is why the choice of a bank and a management company is so important. You transfer your funds, which may not return to you. Therefore, it is necessary to carefully choose a bank and analyze the proposed instruments for trading.

Russian banks offer their clients to master new personal finance management technologies that have long been practiced in the West. In the segment of deposit operations, there are very special solutions that simultaneously combine classical contribution and other investment instruments more typical for insurance, brokerage or management companies. Such an investment portfolio can be called differently - a structural, complex, or index product. Its meaning is that while one part of client money is guaranteed to increase its volume, being in a bank deposit, its other share works, for example, in a more potential (in terms of profitability) mutual fund market.

Among structural banking products, the most common are investment (with the mandatory purchase of shares in investment funds) or insurance (when the client accumulates enough money in parallel with a short-term bank deposit). a large sum money over a long period of decades).

If we consider the participation of a citizen in endowment life and health insurance, then it is somewhat different from traditional savings banking programs not only for a long period (from about 5, more often from 10 to 30 years). A distinctive feature here is called non-guaranteed investment income(i.e., surplus value), as well as the option of early payment of the amount upon the occurrence of an insured event.

The advantages of mutual investment can turn into disadvantages under unfavorable circumstances in the stock market. Therefore, the investor either risks losing profits, or vice versa, wins several times more than the highest deposit interest in the bank. Usually, the bank guarantees at least the return of the investment share invested in the structural product, for which units of mutual funds are purchased. In this sense, the largest funds cooperate with the bank, which build their strategy on the market, placing bets on "blue chips", i.e. on highly liquid companies in the field of production, mining, finance, energy, etc. Moreover, a bank depositor does not have to be an “advanced” investor, all decisions on the stock market are made by management companies.

Thus, by diversifying personal savings and opting for a structured product, the depositor can receive not only increased profitability in the most reliable Russian banks. Other benefits await him in the form of unlimited investment income or the possibility of a much longer-term accumulation of family finances. Note that the structural product is often referred to wealthy people have been using insurance and investment instruments for a long time.

NOMOS-Bank

The Nomos Investment Deposit product divides the client's funds into two parts: classic Bank deposit and mutual funds managed by NOMOS-BANK Management Company. The investor himself decides where his shares will work - in the stock market, bonds, gold or in an alternative emerging market. In order to receive increased income, no less must be stored in a deposit account than in a share account. Minimum for each of these two parts: 15 thousand rubles or 550 dollars or 500 euros. The deposit rate depends on the term: in a month -11.74% per annum in rubles or in 3 months - 9.89% in rubles, 5.09% in any foreign currency.

The term deposit "NOMOS-insurance deposit" allows you to receive an additional 13.25% in rubles and 6.6% in foreign currency, subject to the execution of a life insurance policy (from 10 years) in the Generali Life Insurance Pension Fund. The minimum contribution is from 60 thousand rubles or the equivalent in foreign currency.

Binbank

"Investment in the Future" opens after registration insurance policy. For insurance, you can choose one of several investment programs with different conditions for saving and receiving additional income. For example, long-term investment in a savings or investment policy. Here funds are deposited gradually over a long period of time. At the end of the term, the investor receives not only the planned amount, but also investment income. Another program "Wealth Management" offers to invest in rising oil prices, RTS shares, precious metals, the BRICS index.

The terms of the bank deposit require a minimum amount of 100 thousand rubles. The contract is concluded for 366 days. An annual income of 13.25% is paid at the end. Additional contributions are not provided.

Russian Standard Bank

Russian Standard Management Company manages several shares investment funds. Bank depositors have the opportunity to buy shares of the fund precious metals"Catherine the Great" or shares of "Peter I" or mutual investment fund "Empire" through the investment product "Fabulous Investments". This deposit combines a classic deposit with an increased interest rate and share investments.

A certain share is invested in each of these instruments. common funds client. For example, 70% remains in a bank account at 11-13%, and 30% is invested in mutual funds. Or another option, when all the money is divided into two equal parts, in this case the bank account grows by a slightly higher percentage of 11.5-13.5% per annum. The specific rate depends on the period (180-720 days) and the amount, the minimum of which is 30 thousand rubles.

Investment Republican Bank

Here they offer a choice of three deposits at once, combining bank deposit classics and others financial solutions for capital gains. Each of the deposits is opened in the amount of 10 thousand rubles, for a year, at 11.5-12%.

The special terms of the "First Investment" agreement assume that the amount of interest income on the deposit is accrued at the beginning of the term with its simultaneous transfer to the account brokerage operations to buy Mosoblbank shares. The "Second Investment" deposit obliges to buy in the amount of at least 50 thousand rubles. shares of such reliable and large companies like Gazprom, LUKOIL, Surgutneftegaz, etc., where dividends are paid to shareholders. Finally, in the deposit "Third Investment" in the amount of 30 thousand rubles. highly liquid bonds and stocks are purchased through mutual funds.

Bank Uralsib

Investors of this bank can choose from two deposits "Deposit + Mutual Fund Conservative" and "Deposit + Mutual Fund Dynamic", which differ in a set of stock instruments and quite a bit in size deposit rates(9.1-11.5% in rubles or 1.7-2.7% in foreign currency). Both have the same terms (91, 181, 367 days) and minimum amounts (from 50 thousand rubles, 2 thousand dollars / euro). The volume of purchased units must not be less than the amount of the deposit. There are no additional contributions to the contribution.

The owner of the "Conservative" agreement invests in the mutual fund "UralSib Gold" and "UralSib Fund Conservative". The Dynamic deposit makes it possible to invest in mutual funds of both shares and bonds, as well as to make mixed investments in such well-known funds as UralSib Oil and Gas, UralSib Metals of Russia, UralSib Energy Perspective, etc.

Citibank

This bank also has two complex products that combine a deposit and another investment instrument.

The first offers to connect to endowment life, health and disability insurance. The policy is issued for a period of 10 to 30 years, at the end of which the accumulated amount plus investment income is paid. The frequency of payment of contributions - quarterly, annually or another at the choice of the client. At the expense of the insurance company, you can undergo a medical examination. A term bank deposit in this set is opened for 150 days at 11% in rubles or 5.5% in foreign currency.

Another contract "Urgent (with investment products)" is concluded for 33 or 100 days at 6 or 7% per annum. Its equity instruments are managed by financial VTB Group, Sberbank, Alfa Capital, Deutsche UFG, TKB BNP Paribas, Uralsib.

Bank Rosgosstrah

IN tariff scale deposit "Investment" four terms - 1, 3, 6, 12 months. In addition, the rate (10-11% per annum) also depends on the range of amounts, minimum value which is 25 thousand rubles. By the way, 11% can be earned in 31 days if you invest more than 450 thousand rubles. Additional contributions are not accepted.

But first you need to purchase shares for an amount not less than the size of the deposit. Under the management of "RGS Asset Management" there are 9 funds that operate with such assets as bonds, stocks, index and industry funds, mixed investments. Mutual fund specialists play on the increase and decrease in value valuable papers leading companies Russian economy(blue chips) with stable forecasts development in the field of oil, gas, metal ores and precious metals.

Promsvyazbank

Due to the fact that the interest of the "Financial Protection" deposit is capitalized, the effective rate will increase to 11.57% in rubles and 6.7% in euros or dollars, although the depositor can choose another form of payment - a monthly annuity. A contract for a period of one year is concluded for an amount of 1 million rubles or 30 thousand rubles. foreign currency. There are benefits for early termination of the agreement when ruble rate will drop to 7%.

For maximum amount the deposit limit is set, which depends on the already accumulated contributions on the life and health insurance policy from IC Alliance ROSNO Life. The policy is purchased as part of the "Financial Protection of Loved Ones" program by participants Private Banking for the implementation of personal and family plans. Clients have a guaranteed income on the accumulated sum insured after 5 or 30 years.

Nordea Bank

This capital bank can offer potential investors the deposit "Your Future" with the obligatory joining to one of the accumulative life insurance programs in IC "Alliance Life". The deposit is opened no earlier than one month after the purchase of the policy. The rates of this special deposit are higher than in other Nordeev products. In a year, the depositor will receive an additional 10.5%. The minimum rate of 9.5% is charged after 3 months, and after six months 10%. The maximum for euros and dollars is 4% per annum. The minimum amount for savings is 30 thousand rubles.

Specialists of the insurance company will help you choose the best option for an insurance program. For example, financial plan Pass to Life is designed to be an investment in the future of children. For their parents, there is a Future Guarantee plan that allows them to save money by a certain age.

Raiffeisenbank

Tariff scale Russian bank with purely Austrian capital contains several structural products at once, designed for investments in mutual funds or endowment insurance. You can choose from six deposits, each of which has its own term (30, 181 or 365 days), rate (maximum 10.5% in rubles or 8% per annum in euros/dollars after a month of validity of the “Insurance premium” deposit (with an insurance term of 10 years)”) and the minimum amount (from 15 thousand rubles or 500 euros / dollars).

A feature of the insurance policy is its term (from 6 to 30 years). Mutual investment funds, where private investments are placed, are managed by the eponymous "daughter" of the Austrian financial group - Raiffeisen Capital Management Company.

For more than 10 years, Sberbank of Russia has been involved in financing long-term investment projects in all sectors of the Russian economy, being the market leader in terms of the amount of financing provided, in terms of the degree of industry and product diversification.

The Bank has accumulated extensive experience both in terms of providing classic investment lending and project financing services, and in terms of implementing non-standard complex financial products.

The bank offers the following services for corporate clients

• Medium and long term financing investment projects
• Financing of mergers and acquisitions (M&A)
• Financing of leasing deals
• Organization of placement of bonded loans
• Providing bank guarantees within funded projects
• Lending under export financing under the insurance of an export agency

Forms and conditions of lending

Lending is carried out in the form of a one-time loan or by opening credit line both within the limits set for the enterprise and on the basis of consideration of individual investment projects.

Credit can be provided in rubles or in foreign currency for a period of up to 10-15 years under various forms of security.

With more detailed information on financing contracts for the import of capital goods and services at the expense of foreign banks under the cover of an export credit agency.