Federal service state statistics, monthly average wage in Russia as a whole for the third quarter of 2017 amounted to 37,723 rubles, which is 5.5% higher compared to same period 2016. Wherein minimum fee for studying at Moscow State University named after M.V. Lomonosov in 2017 was 310,000 rubles per year; cost of the MGIMO bachelor's program in the direction of " International relationships» for the current academic year - 530,000 rubles, at MSTU. N.E. Bauman in the direction of “Applied Mathematics and Computer Science” - 206,380 rubles.

It turns out that the average Russian cannot pay for a child’s education at the country’s leading universities. Prestigious education, even on credit, creates a significant burden on the family budget. Obviously, in these realities, most Russian parents have no other choice but to create savings for their children for the future.

However, this practice is not yet widespread. According to the observations of experts interviewed by Forbes, it is mainly Russians who have their own business or those whose income is more than 100,000 rubles per month who think about long-term financial support for their children. The top popular goals include education, real estate, wedding expenses (organizing a celebration), and less often - a car.

“For others it’s like this financial goal, as providing for children, is more ephemeral than real. More relevant is the acquisition of assets for the family as a whole, which will then be inherited by the children,” says Associate Professor of the Department of Insurance and Social Economics of the Financial University under the Government of the Russian Federation, independent financial advisor Saida Suleymanovna, sharing her observations.

General Director of the Personal Finance Organization Alena Nikitina adds that the issue of creating investments for children is most often thought about by people who have their own business. They are aware of the risk of financial loss at any time, so they create capital for their children to mitigate the consequences of possible damage. In addition, this category of people is convinced that large expenses need to be planned in advance.

According to the study think tank NAFI (the survey was conducted in 2016, 1663 people participated), Russians are best informed about savings products for children and adolescents. These tools were named by 61% of respondents. At the same time, 44% of respondents knew about educational loans, a third of respondents (30%) indicated debit cards, issued as additional to parent ones, 29% called prepaid bank cards.

However, the majority of respondents (74%) did not register any financial products and services listed above. 17% of respondents have experience opening savings accounts for children and grandchildren, 8% have used prepaid bank cards for children, 7% of respondents have used debit cards as additional to their own.

Which tools to choose

Considering a bank deposit as the only way to save a significant amount of money in the long term is a dubious option, since the return on it usually does not compensate for the increase in expenses even for essential goods. Over the past year, food prices in a number of regions increased by 9.5%, which exceeds official inflation three times. Key rate The Central Bank rate is now 7.5% and will continue to decline. For bank clients, this will mean a drop in deposit rates, which are currently around 8%.

“To solve the problem associated with the accumulation of children's capital, there is no need to look for special products. On financial market There are many tools that can be used to save money for a child, including strategies trust management, bonds, investment funds, structural products and so on,” says Katerina Mileeva, head of the Large Private Capital Management block at Alfa Bank.

When choosing an instrument, it is important to understand that it corresponds to the investment goals that the parent sets for himself, to be aware of the risks and capital protection mechanisms, the expert adds. Creating capital for a child is also a great way to learn how to work with various financial instruments.

Choice investment instruments- an individual question, the answer to which depends on the client’s risk profile. “There are investors for whom 2.5% per annum in dollars is an attractive return, and there are those who are not ready to discuss figures below 5% per annum,” explains Katerina Mileeva. Today, almost all banks and brokerage companies offer clients at the start to undergo a profiling procedure, which reveals how ready and able they are to accept risk, their expectations regarding profitability and other parameters. As a result, this allows you to select the optimal investment proposal.

Investments with moderate risk

NAFI representative Olga Dolgova believes that choosing a savings method for children should be conservative: long-term savings associated with a start in life should be protected as much as possible. Besides bank deposit she suggests considering the option of the so-called people's bonds(OFZ-n). The yield on them is now at the level of 7-8% per annum, there are no taxes, and the brokerage commission for buying or selling is minimal. “Investing in bonds is generally more profitable than investing in a deposit, and for amounts over 1.4 million rubles it is also more reliable,” the expert comments.

A good option may be to open an individual investment account (IIA) with the purchase of OFZ or corporate bonds of large Russian companies issued in 2017-2020, adds the deputy general director JSC "Finam" Yaroslav Kabakov.

“These securities are highly reliable and, in addition to the potential return higher than a bank deposit, have preferential taxation (coupon income not taxed). In addition, you can “park” any amount in bonds, while deposits have an insurance limit of 1.4 million rubles,” explains the expert. He also recommends including foreign currency assets in the portfolio to protect the ruble component from exchange rate fluctuations.

IIS allows you to get tax deduction at the rate of 13% on deposited funds(maximum 52,000 rubles) - this factor can also be considered as an additional source of income. Reinvesting tax deductions into IIS will provide an opportunity to further increase profitability. Maximum amount, which can be deposited into the IIS within calendar year, now amounts to 1 million rubles.

Alena Nikitina from the “Organization of Personal Finance” suggests using a scheme that involves a combination of several tools: the required minimum is the purchase of real estate and a deposit (preferably in dollars and/or other currencies) plus tools for foreign investment. The expert mentions savings programs from foreign insurance companies, which can bring good returns, but only subject to regular payments. So this instrument can be called profitable only if the parents have a financial reserve that will allow them to make contributions throughout the duration of the agreement with the investment company.

For those who need more

Investors focused on higher returns and a long investment horizon may consider investing in shares, including through Russian or foreign funds, experts agree. “The risk of such investments is significantly higher, but the historical return on investment in stocks over the long term usually exceeds the return on bonds,” explains Katerina Mileeva.

Financial consultant, founder of the Personal Capital company Vladimir Savenok notes that only shares can outpace inflation in the long term. “The historical average annual return of US equities was 9%. Today, with such low interest rates on the dollar and euro, the yield will decrease, but it will still outpace inflation, which is also very low,” the expert comments. He advises investing 100% of your capital in stocks and equity funds in the first six years, and dividing your investments between stocks (70%) and bonds (30%) in the next seven years. In the last five years (before the child's 18th birthday), it makes sense to increase the share of bonds by 10 percentage points each year, he concludes.

“Today I would invest 90% of my capital in equity funds developed countries: USA (40%), Europe (30%) and Asia (20%). The remaining 10% goes to developing countries. In the future, this ratio can be revised depending on who will be the main driver of the world economy. The instruments can be exchange-traded funds (ETFs) or mutual funds,” the expert specifies.

The expert also recommends investing in long term in foreign currency through foreign intermediaries: brokers, banks, Insurance companies. “In Russia, the legislation has not yet been worked out; it changes almost every year. Therefore, it is better to keep your money where everything is more stable (in a country with a higher rating) and in more stable currency than the ruble,” explains Savenok.

Natalya Smirnova, general director of the Personal Advisor company, adds that if parents are not afraid of risks, then an individual investment account can be opened for one of them, adding shares, exchange-traded funds (ETFs) plus Eurobonds to minimize taxes. “As capital accumulates on an IIS, especially if the child’s future is seen outside Russia, the savings can be transferred to a foreign brokerage account and form a completely foreign currency portfolio,” says Smirnova.

Insurance for the future

IN last years Offers have appeared on the market that are positioned specifically as tools for parents who want to create capital for their child. We are talking primarily about endowment life insurance. “Almost any insurance company has them in their product line with the ability to flexibly customize the product for the client: you can choose the desired period, frequency of contributions, a scheme for paying savings after a specified age (for example, there are programs that provide for the annual payment of part of the amount to a child during his education in university) and so on,” Katerina Mileeva describes the parameters of the programs.

Endowment insurance life (NSJ) works according to the following scheme. One of the parents enters into an agreement with the insurance company, indicating the child as the insured. You can choose a period acceptable for family budget volume of regular deductions (insurance contributions). The company invests the received contributions, generating additional income, which, together with the insured amount specified in the contract, will be paid at the end of the program.

The advantage of the NJ is the protection of the family budget in case of unforeseen circumstances with insurance amounts for each of the risks included in the program. “If a child is injured at school and needs care, the insurer will compensate for the parents’ loss of wages,” explains Evgeniy Gurevich, General Director of RGS Life.

The payment guarantee remains even if something unexpected happens to the parent and the transfer of contributions stops. The expert adds that Lately The functionality of life insurance savings programs is being actively expanded by adding new options. For example, this may be to provide protection not only to the child, but also to the policyholder for a wide range of risks, including protection from deadly diseases.

In comparison with other methods of savings, for example, deposits, NSG programs have such advantages as tax benefits(13% tax deduction) and high level legal protection of investments: money directed to purchase insurance policy, are not subject to penalties and seizures, and are not included in the divisible property. Beneficiaries who are specified in the policy cannot be challenged. The inheritance under the policy is paid to the named beneficiary without waiting 6 months and so on.

Meanwhile, NSZh products also have their drawbacks. “You need to understand that this is a life and health insurance policy and this comes first, and accumulation is only an additional option,” explains Vladimir Savenok. “At the same time, the savings conditions here are not particularly attractive: the return is very low and it is quite possible that upon expiration of the program the client will receive an amount less than he invested.” Insurance and savings can be combined with two programs: risk insurance life and health (it will be much cheaper) and investing according to a different, more profitable strategy, Savenok sums up.

Deputy General Director of JSC Finam Yaroslav Kabakov points out among the disadvantages of such programs the lack of flexibility in managing funds and the inability to influence decisions on asset management. "In addition, when early termination contract will have to lose a certain amount. Let me remind you that investment policies are not insured state program, as deposits, and this point must also be taken into account,” the expert adds.

However, endowment insurance can be used as a component investment portfolio, experts agree. Natalya Smirnova recommends making the parent both the policyholder and the insured, since the accumulation process depends on the adult’s ability to work. “If parents are 100% sure that the child will study in Russia, then contributions can be made in rubles. If you are not sure, it is better in currency. Sum insured must be in the amount of the minimum required amount for training. The deadline is until the child enters university,” she clarifies.

When drawing up a contract, it is necessary to take into account the risks: disability for any reason, dangerous diseases, exemption from paying contributions. Then, if an insured event occurs, the program will continue to operate at the expense of contributions from the insurance company.

• Before making a decision to invest, you need to formulate the main objectives for yourself: the period of placement of funds, the desired level of capital protection, acceptable risks, expected profitability, as well as requirements for the liquidity of the instrument - is there, for example, a need to receive regular payments or the possibility of early sale of the instrument.
• You need to carefully understand all the terms and conditions of the product before purchasing it. You should not rely on information obtained from only one source, for example, from a bank representative. Ideally, you should compare offers from several banks to make an informed choice.
• It is necessary to think through tax consequences associated with a specific tool.
• The terms of the contract need to be studied in detail. You can engage financial advisors who can help you understand the terms and specifics. Since there can be so many nuances, it is difficult to single out the most important and necessary ones. For example, when concluding an insurance contract, you need to look at exclusions from payments and insurance rules. Upon conclusion of the contract brokerage services- make sure you have a license and check the service rates.
• The key to success is regular portfolio replenishment. Let your monthly fees will be small but regular.
• You should not use high-risk instruments (for example, cryptocurrencies).
• You need to teach your child how to handle money wisely, otherwise all investments will be in vain.

Life insurance has been very popular around the world for decades. The advantages of such programs allow you to protect your loved ones from sudden waste, for example, in the event of illness, an accident or death of the insured, relatives will receive financial capital, which will help not only bury the deceased, but also solve the financial difficulties of the family.

Today there is standard life insurance, which is issued for a specific period. The insured under this program pays premiums, and in the event of illness, injury or death, the trustee receives compensation. Endowment life insurance is a program that allows you not only to protect yourself and your family from unplanned financial losses in the event of illness or death, but also provides the opportunity to secure your old age by increasing family capital.

Specifics of endowment insurance

The essence of the program is that the insured person undertakes to pay contributions on time within the period specified in the contract. At the end of the specified periods, the insured person receives payments with interest (specific amounts of contributions and interest rates are negotiated); most programs insure for a minimum of 5 years. At the end of the program, the participant can choose convenient way payments:

• payment in one lump sum at once;
• payment in installments, the so-called Lifetime pension.

Savings capital insurance in Russia is offered by private and public insurance companies. Each company offers its own conditions, so before concluding an agreement with the first company you come across, it makes sense to find out what conditions their colleagues put forward.

As soon as an endowment insurance policy is purchased, its effect is activated. In cases where, during the period of validity of the policy, the insured person becomes disabled, for example, group I, the insurance continues to operate in accordance with the agreed conditions in the contract, but there is now no need to make contributions, the insurance company will make contributions independently. All refunds and end-of-program payments must be paid at 100%.

How does accumulation of funds occur?

According to the concluded agreement, at the end of the program, the insured person receives a specific amount, as well as the income portion that has accumulated due to the investment of personal funds. The agreement can be concluded not only in rubles, but also in the desired currency.

The cost of the pole, as well as the amount of the final payment, depends on many criteria:

• age;
• duration of insurance;
• amount of monthly payments.

The monthly payment is divided into 2 parts. One part goes towards the guaranteed payment amount, the second part is invested and accumulated as income. If the insured person wishes to receive the principal part at insured event, then the amount of savings will be less. Regular notification of the insured person about the current situation of his savings is considered mandatory.

Endowment life insurance programs are not a way to become rich, but they are unique opportunity save financial position your family, and in the event of an insured event, also receive compensation. In the most difficult cases for the family - death, relatives will receive significant financial capital. Moreover, this type of insurance allows you to save for a child’s education or for a large purchase, but most often the insurance is used to ensure a decent old age.

What to do if an insurance program participant faces financial difficulties

If during the validity period of the contract the insured person experiences unforeseen circumstances or financial difficulties that do not allow him to continue paying premiums, the contract is subject to termination, while the program participant receives what he earned from his investment deposits income, as well as the redemption amount.

Attention: Not all insurance companies provide for the payment of the ransom amount, i.e. the amount that the company undertakes to pay in the event of termination of the contract with the insured person.

Mandatory clauses in the insurance contract

1. A complete list of information about the relatives of the insured person; they must be indicated as beneficiaries and nothing else.
2. Contact information (residence address, current telephone numbers, details of the parties).
3. Date of signing and duration of the contract.
4. A complete list of discussed and agreed risks, as well as the procedure for action in the event of accidents.
5. The selected currency in which contributions will be paid, as well as the final payment at the end of the program.
6. The interest must be applied to the program agreed upon by the insured person.
7. The procedure for terminating the contract in the event of financial difficulties.

If the contract misses at least 1 of the above points, then before signing, you need to make sure that the insurance company is serious.

In addition, the insurer and the insured person must sign the contract, and after that the company must put a wet stamp. The program participant must receive an insurance policy confirming the successful conclusion of the contract.

Medical examination when applying for endowment life insurance

Before the insurance company agrees to enter into an agreement to participate in the savings program, the applicant will have to undergo a full medical examination. No one can say how long it will take to receive test results, so if you plan to join the program within a certain period, you should start filling out documents, including undergoing a medical examination, in advance.

For example, at the age of 25 a person wants to become a participant in a funded insurance program lasting 5 years. To receive a large payment at the age of 30, you need to contact insurers at least 2-3 months in advance.

Sometimes, after passing a medical examination, the insurance company is forced to deny the savings program. The reasons for refusal may include the following factors:

1. Oncological diseases, including the presence of malignant tumors in the applicant’s body.
2. Severe diabetes mellitus.
3. The presence of mental disorders and hereditary diseases.
4. Presence of diseases of the cardiovascular system.

What risks does the endowment insurance program include?

Each company can set its own criteria and its own list of risks in relation to the insured person, but most often the risks taken into account are the same, these include:

1. Death of an insured program participant (due to illness or accident).
2. Appearance of legal capacity due to serious illness.
3. Injury or accident resulting in temporary disability.
4. Disability due to accident or illness.

Significant advantages of endowment insurance

The main advantages of insurance are:

• financial protection and independence in case of unforeseen circumstances;
• The savings system allows you to gain financial stability in the near future and allows you to purchase long-awaited purchases;
• thanks to annual indexation, the company protects the savings of those insured against inflation;
• this program allows Russian citizens to act as investors;
• when considering risks, the broadest possible scope is specified under which the insured person may suffer to one degree or another;
• the insurer makes regular accruals interest rate according to the terms of the contract;
• if an insured event occurs, the insurer pays the entire amount, as well as accrued interest, to the relatives specified in the contract;
• The insurance payment is not taxed.

The most popular endowment insurance programs

Endowment insurance programs are divided into several categories:

Today, large companies offer Russians profitable endowment insurance programs. One of the most successful and sought-after insurers in Russia this year become:

• "Alfa Bank" offers profitable children's and pension savings programs;
• "Renaissance Life" concludes 40% of transactions on the Russian insurance market;
• "Russian standard" offers decent insurance conditions, the insurer concludes more than 12% of transactions in the domestic market;

When choosing a savings insurance program, you must pay attention Special attention for deaths and accidents.

Particularly noteworthy are programs from Sberbank that allow you to accumulate a certain amount by the desired date, as well as insure your life and receive decent financial assistance in the event of your first accident. The insurer offers to collect targeted children's capital, preserve and increase the family financial situation thanks to favorable conditions and the benefits of the program. An important fact is that the amount invested in the insurance program is not subject to collection, taxation or confiscation, and also is not jointly acquired property if a married couple decides to divorce. If the insured person dies, relatives will be able to receive financial assistance after calendar month, in contrast to the registration of an inheritance, which lasts for six months.

All details about this program - "Accumulative life insurance": what it is, what conditions are offered, the amount of payments and the duration of the program must be found out before concluding a contract.

In recent years, various non-state funds, offering their clients insurance services, as well as savings for future pensions. Some non-state pension funds (NPFs) combine these two services - the client of the fund can both insure his life and ensure a comfortable old age.

Investments in savings programs have become a popular type of investment, however, the increase in the number of non-state pension funds makes us cautious when choosing a fund suitable for investment.

Object of investment in savings programs

A non-state pension fund is a special form of organization social security. The basis of its activities is non-state pension provision depositors, which is carried out in accordance with concluded agreements. The legal basis for the activities of such funds is the federal law No. 75-FZ dated 05/07/1998 “On non-state pension funds”.

The essence of the work of NPFs comes down to the accumulation of contributions, placement of pension reserves according to current legislation, as well as distribution of income by issuing payments to fund investors.

Classification of investing in savings programs

Transfer of funds to the NPF is made on the basis of a pension agreement, upon conclusion of which the investor immediately selects a pension scheme. According to this scheme, the depositor's funds will be accumulated and payments to him will be processed.

There are several classifications of pension schemes:

• according to the methods of forming the fund’s obligations to the investor - according to this criterion, schemes are divided into insurance, savings and mixed.

Insurance schemes enable the investor to receive regular pension payments upon reaching a certain age. These schemes do not provide for inheritance or transfer of rights to another person.

Savings models allow the saver to receive his pension over a pre-determined period. In the event that the investor is no longer alive, the remaining savings in his account may be paid to his heirs or assigns.

Mixed schemes are a combined version of the two previous models. Broadcast property rights for such deposits it is possible, most often, exclusively during the period of accumulation Money investor.

• According to the terms of settlements, two types of schemes are possible: with defined payments and defined contributions.
• For accounting of pension obligations of NPFs, investment schemes are distinguished, taking into account either registered or joint accounts. For investors - individuals- accounting of contributions on a personal account is provided for enterprises and legal entities- on a joint account.

Based on the results of accounting for funds in a joint or personal account, the pension fund creates a reserve. Most funds, in turn, invest these reserves in safe assets. Thus, the fund acts as an intermediary between its participants (investors) and large companies, into whose assets reserves are directed. The income received by the fund as a result of investing in assets is distributed among the accounts of investors, which increases their future income. However, not all funds are transferred to the accounts of investors - part of them is transferred to the manager, and is also spent on maintaining the fund and replenishing insurance reserve organizations.

Goals and objectives of investing in savings programs

Investments in savings programs have gained popularity in developed and developing countries, since they make it possible not only to “unload” the country’s budget, but also to provide investors with stable increased payments.

The essence of investing in savings programs is quite simple. The contribution itself can be roughly divided into two stages.

At the first stage, funds are accumulated. The investor regularly contributes funds to his account in the fund. The accumulation is carried out over several years, which ultimately allows you to collect a fairly substantial amount.

The second stage occurs when the term of the savings program comes to an end or when the investor reaches retirement age. From this moment, the accumulated funds begin to be paid to the investor monthly. Most programs provide lifetime payment of funds.

In addition to increasing your pension, investing in funds provides an opportunity to get more reliable insurance protection than what is envisaged compulsory insurance. The funds that the investor transfers to the insurance fund are deferred with interest. The policy issued by the company to the investor guarantees payments in case of accidents, serious illness, or payment to family members in the event of the death of the investor. This allows us to guarantee protection not only for the investor himself, but also for his family and friends.

Methods and risks of investing in savings programs

In Russia there are a huge number of funds in which you can invest. Most of them provide open access information about the profitability and reliability of the fund. Many large funds are backed by reputable companies - JSC Russian Railways, Lukoil, etc. The assets of such funds are securities precious metals, real estate, etc. For investors, the benefit of working with such funds is, first of all, to receive income above the current inflation rate.

When choosing a fund for investment, it is advisable to focus on large organization, which has proven itself in terms of profitability, reliability and competent management of depositors’ funds. Most funds allow investors to monitor their accounts online, receiving comprehensive information about the status of the account at any convenient time. For comparison, the state pension fund sends reporting letters only once a year.

If for some reason the investor is dissatisfied with the work of the fund, he can transfer his savings to another fund - before concluding an agreement, you should clarify whether this is possible. Risk in in this case is that the fund may require part of the accumulated funds as compensation.

When choosing a fund, you should rely on such reliability criteria as:

• composition of the fund's founders,
• the size of the fund reserve,
• total number of fund participants,
• the volume of contributions and the volume of paid savings,
• the amount of the fund's property, which is intended to support its statutory activities.

The Foundation must provide publicly available information about its financial indicators, as well as about available schemes for accumulating funds.

The result of investing in savings programs

The most obvious result of investing in a fund is the opportunity to receive additional income, as well as a cash “reserve” in case of unforeseen circumstances.

In addition, the funds allow investors to open accounts in the name of their children - by the time the child comes of age, a substantial amount will already have been accumulated in his account, which he can spend on getting an education, organizing a wedding, or starting his own business.

Dear our clients!!!

Before moving on to the description of endowment insurance programs, I propose to start with general definitions. Let's talk about what money is, personal capital, financial planning, financial unsinkability....

Dear, are there anyone among you who are not interested in money at all? If there is, then this site will not be useful to you. If not, and you are really interested in laws and mechanisms related to money, then we are on our way.

Money has its own laws. Both in Soviet times and, alas, now, we were taught anything, but they did not teach us the two most important things: how to make money and how to spend it! Communism never came, no one abolished money and will not abolish it in the near future, so let's look at our life from the point of view of money.

For all people, life is divided into three periods:

1. Study - until approximately 20 -22 years old

2. Work - from the moment you start earning money from 20-22 to 55-65 years.

3.Pension - from 55 to 65 years

Perhaps some, especially young guests of our site, will find it strange that they are being talked about about retirement (after all, they have their whole life ahead of them!). But we are talking not only about pensions, but about our life from the point of view of money. After all, free education, free medical service, guaranteed state pension. This means only one thing - if you are a serious person, you are responsible primarily to “your loved one,” to your family or people who are financially dependent on you, you must understand:

No one will take care of you except you!

And there is no one to shift this responsibility to! While we are working in the second period of our life, youth, health, energy allow us to earn money and increase our material well-being. But as you get older, you want to work less and get more, or at least the same. What conclusion can be drawn from this? While you have the opportunity to earn money today and ensure your comfortable existence tomorrow, do it! Invest in your own future today! Every person has the right to choose. What choice does a citizen of our country with unstable economic, political and social spheres? Let's say right away - small. The majority of the population does not trust Russian banks, pension funds, insurance companies. Yes and the legislative framework leaves much to be desired. Invest in real estate? According to the latest data from the State Statistics Committee and the Association of Moscow Realtors, today the profit from purchasing real estate for its sale does not exceed the level of inflation. Invest in business? So this is active capital, which at any moment can become risk capital. We are talking about creating reserve capital. What to do?

Lack of attention to your finances is severely punished.

Remember how often and how much money have you lost on the advice of home-grown “experts”? Maybe you invested in MMM to earn a lot at once? Or did they deposit money in a bank at a high interest rate? Now remember who advised you to do this? Relatives or neighbors who once received high interest rates and immediately imagined themselves to be major financiers?

Do you think this is only our problem? Not at all! The same problems exist in developed countries. People are chasing high, quick profits, risking all their funds, without thinking about their loved ones. Many people act on someone else’s advice, without analyzing at all what they are doing. We do not offer you fabulous profits and the opportunity to lose all your savings, but we advise you on how to invest your finances wisely and reliably, which will allow you to live calmly and confidently, protect yourself and your loved ones. We are here because we want to help you in this difficult matter for you.

WHY should you listen to us? How are we better than “experts” - “analysts”, on whose advice you have already lost your money and decided that the safest place is a glass jar?

Because:

We are experienced consultants with many years of experience in all segments of the financial market.

We do not give advice on where to invest money today - in a bank or in stocks. We encourage everyone to analyze their investments, assess the reliability of a company or bank and teach how to assess reliability

We don’t just answer individual questions about finance and financial planning, we offer and help you make sure that your finances not only bring you income, but also protect you.

90% of people in the world do not understand enough financial issues. At best, they place their money in banks, at worst, they simply keep it under their pillow at home. Some people get involved in risky things financial operations without understanding what they are doing. Seek advice from specialists. We will show you how to objectively evaluate and analyze every investment you are about to make.

We often hear from people: “I have no free money, I have nothing to manage and nothing to plan.” We believe that they have no money, but we cannot believe that they have nothing to manage. They are not unemployed people, they have families. Every month they spend their earned money on food, clothing, and transportation. Every year they go on vacation. So why do they have un-free money set aside? Why don't they have personal capital?

It doesn't matter how much a person earns per month. As statistics show in our country, 95% of people have no savings free funds. Why? Why don’t they think that tomorrow they may have problems with work, business, health, and even life? Don't they love their loved ones? They believe that they are loved and cared for. But, nevertheless, they do not protect them from possible problems because they don't have any financial plan.

Finance should protect you and your loved ones and bring a constant stable income!

Can $10,000 turn into $2,000,000? Of course they can! The only question is how quickly this can happen and what is the risk of such a transformation. You can invest these funds in a risky business and double them within 2-3 months. But you can also lose them completely.

What is financial planning?

Is it possible to risk all your money?

Are you and your loved ones protected from unforeseen circumstances?

Is it safe to store money in a glass jar?

How much are you losing if you don't invest your money?

A series of questions that can be very difficult to answer. But if you think about it, then you have taken your first step towards financial independence.

How to save $25,000 by saving just $50 a month, without risky investments?

This is not a bluff. This is reality and many richest people the world started with small amounts and became billionaires thanks to their clear investment strategies.

Someday you have to start. And if you don’t have free funds now, it will be easier for you to start from the very beginning. Financial planning is what every person needs to achieve financial independence. Don't be intimidated by this difficult phrase. The action itself is simpler than the name.

How much do you regularly save for your future? In other words, have you set yourself a specific percentage that you set aside for every amount you receive? Or do you simply put money into a piggy bank that, for whatever reason, remains unspent? Or even worse, do you find that you have nothing to put aside?

It is wise to set yourself a savings limit at a certain level. In any case, the most important thing is to establish a regular savings “rhythm” and stick to it, even if this means living frugally for a while than your current funds allow.

You should also have enough funds at your disposal to survive three to six months without resorting to emergency measures, and these funds should be in a checking account or stored in another accessible location. So, one of the storage options in a flexible account is offered by insurance companies.

An insurance funded pension program (or a funded insurance program) is basic financial planning. By opening such a program, you oblige yourself to annually save a certain amount for your future. You don't need to waste your time making other plans. If you can't or don't want to do this, just open the program and you will gain serious financial protection.

Are you and your loved ones protected? Do you have pension savings? Not thinking about it today means putting yourself at risk. How to save money for retirement and protect your loved ones at the same time? Endowment insurance programs kill two birds with one stone.

If you think that you know everything you need about finance and do not need advice or consultation, we are happy for you and sincerely wish you never to lose your money. We recommend that you double-check those companies to which you have entrusted your funds.

But how can you determine whether a company is reliable or not? To do this, you need to have your own criteria for assessing the company's reliability.

The reliability of the company or bank to which you entrust your personal funds is the most basic criterion when choosing a partner. Neither profitability nor liquidity comes first. ONLY RELIABILITY. Therefore, when choosing a company, you must evaluate this very reliability according to a number of criteria. Below we will present the most basic of them, by which you can understand how reliable the company is.

So, what do you need to pay attention to first?

This is the simplest and most effective method reliability assessments for those familiar with this concept. A company's rating is an assessment of reliability given by independent rating agencies. That is, they do all the work for you in researching the company and make the results of their research public. Companies are almost always interested in such an assessment from agencies, since attracting clients and developing their business depends on their rating. Ratings are usually indicated by letters - a large number of the letters "A" mean a higher degree of reliability.

For example, US government bonds have the highest reliability rating - AAA. Further, the degree of reliability decreases as follows:

AAA.

AA.
. A.
. BBB.
. …
. D. The letter D means that the company with this rating is bankrupt.

The question arises - if finance company registered in the USA, does this mean that it has the same rating as the country itself - the USA? AAA rating? This is not an idle question.

The answer is no! Just because a company is registered in the USA or Switzerland does not mean that it has the same rating as the country. In any country there are different companies with different ratings. Therefore, regardless of where the company is registered, you should look not for the country’s rating, but for the rating of this particular company.

Where to look for ratings? I am using the site standardandpoors.com Standard Poors agency There you can find ratings of companies, banks, etc.

Important note: a company (bank) cannot have a rating higher than the rating assigned to the country of registration of the company. This means that if you are told that some Russian company has an international rating of the highest reliability AAA, do not believe this, since Russia’s rating is much lower - BBB.

But, in addition to international rating agencies There are country agencies that assign ratings to companies and banks in a particular country. For example, a Russian agency might assign an AAA rating to a large Russian corporation such as OAO Gazprom. And at the same time, the company OJSC Gazprom really deserves this rating, since it is a leading and reliable company in Russia. But this rating is not international, but Russian. That is, the company OJSC Gazprom has the highest reliability rating within Russia. The international rating of this company cannot be higher than the rating of Russia (today it is BBB).

2. The company's asset structure or, more simply put, how the company allocates your money. If a company (bank) promises its depositors a return on US dollars of 15−20%, then it is obvious that the company (bank) is making risky investments. Therefore, it is quite reasonable to ask the company where it plans to invest your money in order to pay you that kind of interest. None of the affected MMM investors asked the company about this at the time. That is why they are the victims today.

All famous investment companies world-famous ALWAYS show their clients where they place their money: in what securities, currencies, countries, etc. At the same time, they also talk about what potential profitability can be received by a client when investing according to one or another strategy.

Foreign insurance companies offering endowment insurance programs are limited by legislation on the methods of investing raised funds. They are prohibited from risking the money they attract from individuals for a long period of time. For example, an Austrian companyGRAZER WECHSELSEITIGE VERSICHERUNG AG (GRAWE) , founded in Austria in 1828, invests as follows:

* state loans and mortgage bonds (rated A and above) - 74%;

* shares 5%

I deliberately indicated in parentheses next to each of the assets that the ratings of these assets cannot be lower than A. This means that if a company buys real estate, it purchases it only in those countries that have a rating of A and above. It (the company) does not buy real estate in Russia or even in Poland. The same applies to securities, banks, and other investments.

This structure indicates a very high degree of reliability of the company and provides investors with a guarantee of the safety of their funds in the company. In Russia, I often hear about companies that attract money by promising clients high investment income(15−30% per annum).

If you ask them a question where they invest money, the company will tell you this only in general outline: “We invest in blue chip stocks, real estate, bonds, etc.” But, as a rule, they can never (or do not want) to tell in what proportions and in what assets the money is invested at one time or another. If such a company gives you its guarantees not only for the safety of your funds, but also for high profitability, then they have little weight, because they disappear along with the liquidation of the company itself.

Therefore, I will return once again to the same recommendation. If you are given a guarantee by a company or bank that has neither a rating nor a long history, ask them why not take such a guarantee from some reputable financial institution? For example, if the company told you that all clients are guaranteed safety of capital, and such a guarantee is provided by Sberbank of Russia, this could be considered a completely safe investment in Russia. For example, a companyGRAWE gives full obligations and guarantees under all contracts of its subsidiaryMEDLIFE .

Such a question very quickly puts the interlocutor in his place and makes him think about why his company really cannot obtain such a guarantee.

3. Main founders and managers of the company

This information is very important for assessing the reliability of the company. It is unlikely that any sane person will invest in a company whose founder is S. Mavrodi.

The founders must have an impeccable reputation and trust from investors.

If you want to invest your money in shares of a company, read the biographies of the main founders and managers of the company. If, for example, the president of a company previously led five different corporations and all five of these corporations successfully “sank”, that is, went bankrupt, then the chances are that new company will be prosperous, miserable.

If we take the company mentioned above as an exampleGRAWE , then she is the founder of the set financial structures in different parts of the world. This means that the company strictly controls its structures, not allowing any questionable transactions from their side. Why can you trust these child structures?GRAWE ? Simply because a company that has built its reputation through its work for 186 years will never allow anyone to destroy it through their actions. This will entail a decrease in the company's rating, an outflow of investors and other negative consequences that will lead to huge losses.

4. Financial reporting

If you can assess the condition of the company by financial statements, it never hurts to do this to feel calmer. A company's balance sheet and income statement can tell you a lot about the health of the company. It is important to pay attention to the following articles:

The amount of short-term loans in the “Current Liabilities” section of the balance sheet, that is, loans that must be repaid in the next 3 months. If the debt is large, then it is important to understand how the company is going to pay off this debt. To do this, we need to look at another part of the balance sheet.

. “Current assets” and the following articles in this part:

* Funds in the bank. This is the best article. It shows how much funds are available in the company's account. This money is the most liquid, meaning it can be used at any time.

* Accounts receivable, that is, those funds that a company must receive from its customers for goods or services sold. It is important to look not only at the size of accounts receivable, but also at its dynamics. If accounts receivable grows from quarter to quarter and from year to year, this may mean that the company’s customers are not paying it well for the goods they purchased, and the company may have financial problems because of this.

* Products in stock. This article shows how much goods are in stock. That is, this article reflects how much money can be received if you sell all the goods in stock.

The sum of these three items must be greater than the item “Short-term debt”. If this is not the case, then the company has problems and may not be able to pay off its existing debt.

HOW TO CREATE PERSONAL CAPITAL, MAKE PENSION SAVINGS AND PROTECT YOUR LOVED ONES BY TAKING ONLY ONE STEP???

Insurance companies offer you to take this step by opening an endowment insurance program. What this is, you will see below in the example of programs offered by an insurance company.GRAWE (Grazer Wechselseitige)/ Medlife Insurance Ltd, of which we are partners and associates - employees of an international brokerage information companySI Save - Invest.

Unfortunately, we have all been taught for a very long time to the idea that the state will take care of us (when we stop working) and our loved ones (if something happens to us). But today, looking at all the problems existing in countries former USSR All more people They understand that they should only expect help from themselves. Pension reforms conducted in the Baltic countries, Russia, Kazakhstan and other countries, confirm the validity of this postulate. So should you wait for someone to tell you that you should take care of yourself? Why waste time?

Start thinking about your future today.

Insurance savings pension programs (or savings insurance programs) offered by insurance companies solve the issues of your pension (pension savings), protection of your loved ones (life insurance), protection of the future of your children (savings for children to study abroad), as well as simply reliable preserving your available funds in a comprehensive manner.

YOU DO NOT JUST KEEP MONEY IN AN ACCOUNT WITH AN INSURANCE COMPANY, YOU KEEP IT IN A SAFE PLACE, GET A GOOD INCOME FROM IT, AND PROTECT YOUR LOVED ONES!

Having discovered endowment insurance programs for yourself and your loved ones, you:

You receive pension insurance and provide yourself with a decent lifelong pension, which will be paid to you at any address you wish and under any circumstances, regardless of what happens in the country where you live;

* Protect your loved ones from unforeseen circumstances (insurance of your life) and ensure their existence so that nothing happens to you;

* Make your children truly happy by giving them initial capital for education, wedding, opening a business, etc.;

* Ensure the complete safety of your available funds in the most reliable companies, which themselves diligently look for the owners and heirs of accumulated funds in the event of a breakdown in ties and loss of contacts;

You will feel more confident in the knowledge that you are completely protected.

This is prestigious and beneficial for you!!!

How can one program provide so many benefits to its clients? What other financial institution can offer so many services to its clients? Bank? Look at the TABLE OF COMPARISON OF BANKS AND INSURANCE COMPANIES and you will understand that you need a bank only for current needs, but not for accumulating funds for the future.

Over the past 30 years, 70% of personal capital has flowed from banks to insurance companies!

I understand that it can be very difficult for people to accept advice from a stranger, especially if it concerns financial issues. But believe me, it is very difficult for us, like you, to see the problems of our today’s pensioners and to realize that our problems will be even worse if we do not take care of our future today.

Endowment insurance programs offered by insurance companies are a simultaneous combination pension fund, insurance company and bank rolled into one.

If you decide to take an important and necessary step in your life...open the savings program and find out more detailed information, welcome.

So what is an insurance savings program???

Let's turn to the experience of developed capitalist countries. For example, to such generally recognized international financial institutions as Switzerland and Austria. In these countries, young people are required to purchase their own social savings programs from the age of twenty.

If a young person cannot do this on his own or with parental help, then the state finds him a job and transfers money to these programs. Since 1991, residents can also use such programs post-Soviet space. What kind of programs are these?

A well-known Austrian company offers these programs in the form of insurance policies to residents of the CISGRAWE , founded in 1828 by the brother of the Austrian Kaiser. Management of the company is still inherited and this privilege is only for members of the royal family. The company distributes policies through its partner - a Swiss international consulting companySi Save Invest, of which we are employees, and serves clients in more than 120 countries. The point is. that each client, concluding an agreement with the company, pays his annual fee (minimum - 300, maximum - 10,000, (currency dollars and euros)), the client chooses the amount and denomination of banknotes himself. The minimum option is to invest 10% of your annual income in the future. And you will part with this amount painlessly (remember church tithes). 10% per year from total amount income is exactly the amount that you can invest in your future easily and without limiting yourself Everyday life. The company, in turn, responding to your trust, undertakes to preserve and increase your deposits.

For example: the client pays $2 thousand per year for 15 years. Over 15 years, his account accumulates $30 thousand profit in the form of interest. Moreover, throughout the entire term of the contract, from the first day and for all 15 years, the client is under insurance protection. If he becomes disabled as a result of an accident, the company will pay him insurance benefit and, despite the payment, he will remain a client of the company until the end of the contract. If the client dies as a result of an accident or dies of natural causes, the company will defend his family or those whom the client indicated as heirs when concluding the contract. The heirs receive a substantial insurance payment, the amount of which depends on the amount of the contract. In addition, the client has the opportunity to use one more account within the framework of the agreement. This account is similar to a bank account, with the only difference being that the money in this account is not subject to taxation. At the end of the contract, the client has the right to either withdraw his money with interest or leave it in the company, become a lifelong Austrian pensioner, and receive his pension annuity for the rest of his life. Did you know, our dear guests, that you have the right and opportunity to become a rentier, like any resident of developed countries and on the same conditions as them?

The accumulated capital under an endowment insurance policy is not divided between spouses in the event of a divorce. Form of agreement - POLIS (this is security). Under this policy, the client can take out a loan (in foreign currency) from any bank in the world and from the insurance company itself. The capital accumulated under the policy is not subject to confiscation. All information about money, heirs, etc. within the framework of this policy is strictly confidential.

We are sure that among the people who read this information there will be many who are not indifferent to his life from the point of view of money. Welcome to the civilized world!