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Date: a week ago   Category: Finances

Whether investments lose attractiveness against the background of increase in rates?


Banks raise rates on deposits. At first Sberbank offered clients промовклад with profitability up to 7.65%. Then and VTB added to the ruler a similar product with profitability of 8% of the Photo: depositphotos.com last year of a rate on deposits decreased in this connection many Russians began to look for an alternative and to be interested in investments. Year began with increase in rates, the truth of symbolical. Nevertheless indicators in the largest banks were practically equal to the coupon on the federal loan bonds (FLB). Contribution or investments? The choice depends on the term for which money can be invested, and risks which the investor is ready to accept. If, for example, the person is ready to open the individual investment account and three years not to touch money and at the same time he has an official income, then IIS with tax deduction in combination with federal loan bond is more profitable, than a contribution, the independent financial consultant Natalya Smirnova says: Natalya Smirnova the independent financial consultant "If we say even about a situation that the person put money and will fill up for the sum up to 400 thousand, then average profitability on such IIS are a deduction, plus federal loan bond yield can make about 15% per annum. If we speak about a contribution, profitability is twice lower. I do not think that at us in the nearest future the stakes will be raised up to the sizes a la December of the 2014th, it has to be real collapse. Therefore if the person is ready to invest for three years, IIS is unambiguous plus federal loan bond is more interesting, than a bank deposit". State bonds or corporate bonds of the good issuer are also liquid, that is they can be sold when money is necessary. On the one hand, in it advantage before a contribution. However, in case of sanctions or other pressure upon our market their price can fall. Then at an exit there can be a loss. You should not forget about such risk. Whether rates on deposits this year still can grow up? It depends on a set of factors, the president of the Moscow Partners company, professor of Higher School of Economics Evgeny Kogan explains: Evgeny Kogan the managing director of the Moscow Partners company "Rates on deposits can grow only in case the Central bank raises interest rates. There will be it or not, nobody knows, even Elvira Sakhipzadovna [Nabyullina]. All this depends on a geopolitical situation, on what will be in the world, from sanctions, God forbid, which can fall down on us and from everything, anything. The central bank in this case rather reasonably arrives: has the finger on the pulse and adequately reacts. I in general, frankly speaking, do not understand why it is necessary to keep a deposit in bank. Only if very much for short term. Because if to buy the security for short term, the commission for an entrance, for an exit, and it becomes unprofitable". Here and the Moscow exchange in social networks suggests "to change from a needle of a bank deposit on investment", winning back scandalous hype of advertizing campaign of Reebok. Profitability speaks well for investments. However, investors should remember that there is no insurance from bankruptcy of the broker in Russia. Means, д

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