MOSCOW, August 3 With a high key rate, the best way to save and increase savings is a bank deposit — you can choose a suitable product for different terms, Bogdan, chief analyst of Banki.ru, told the Prime agency Zvarich.
“A potential investor can find acceptable conditions for himself on the investment horizon that interests him,” he explained.
An interesting option is savings accounts. High rates are offered there only for the first months, and then you need to fulfill a number of conditions, for example, spend on cards over a certain limit. But even in this case, the interest will be lower than at the beginning of the account term. An advantage is the ability to replenish and withdraw funds without losing interest.
Among the stock market instruments, you can consider bonds with a variable coupon and money market funds. But the stock market carries increased risks due to the possibility of a sharp drop in the value of securities in the portfolio. To work with him, you need to be a professional investor and have a good understanding of the situation, Zvarich concluded.