In which bank to invest money at interest in 2022 for pensioners

2024 Author: James Gerald | [email protected]. Last modified: 2023-12-17 14:00

Pension savings, even with the government's constant development of new programs, is an unstable business. They are backed by little other than promises. Today's older citizens understand that they need to provide themselves with income for the future on their own. To collect an investment portfolio for a pensioner, you need to figure out which bank is better to invest money at interest in 2022, what conditions are offered by various organizations.

How to invest in a pensioner in 2022

After the freezing of the funded pension in 2014, many citizens lost confidence in the pension system of the Russian Federation. Long-term investment initiatives were organically replaced by another instrument for savings - IIS (the abbreviation stands for an individual investment portfolio). This proposal is being developed by banks for pensioners who have financial savings and want to increase them for themselves or their children.

Comparative analysis shows the following figures. If the income is 100 thousand rubles, then 6%, which within 20 years will be deducted to the GPP (guaranteed pension plan), will give a return of only 5% and an investment of about 1.45 million rubles. The capital will acquire a size of 2.475 million rubles. and will add about 14 thousand rubles to the pension. per month for 15 years.

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Whichever bank the pensioner invests money at interest in 2022, the investment yield will give 10% profit, taking into account the tax deduction. This is already better - an additional 25 thousand rubles. a month to the basic pension will not hurt. In addition, you can withdraw money from your account at any time, even if you lose your tax deduction. In the case of LSP, the deferred money can be received only within the first 6 months after the account was opened, and then only if there is a serious illness.

State guarantees do not apply to an investment account, but we see that they do not always work with a pension either. Even if there is insurance on the part of the state, this does not comfort. In the context of economic instability over the past few years, experts recommend collecting an investment portfolio instead of hoping for government support. Since 2017, the State Duma has been considering a project on insurance of investments of individuals in IIA.

In addition, it is possible to receive a tax deduction on the investment account. They are divided into two types:

• 13% of the contribution amount (no more than 52 thousand rubles per year) - it is advisable for short-term investments;
• income tax exemption - suitable for long-term retirement savings.

It is better to decide in advance who will manage the investor's money. As a rule, they choose a management company, a broker, or do it on their own. Remember that the management company will take a commission, but not more than 2% per annum.

Deposits in Moscow and St. Petersburg: top 10 best offers

Before investing money in the first bank that comes across with pension deposits, it is necessary to conduct a comparative analysis and choose the organization that will offer suitable conditions. In which bank offering income to retirees it is better to invest money at interest in 2022, reveals the top 10 options for Moscow and St. Petersburg:

1. "Save" (Sberbank). The rate is up to 3.5% per annum. Term from 30 days. Interest payment on a monthly basis. There is capitalization, but there is no replenishment. The bank provides insurance for deposits of individuals up to 1.4 million rubles.
2. New Pension (Mosoblbank). Rate - up to 7, 25% with a deposit amount of 10 thousand rubles. for a period of a year. Capitalization and interest payments take place on a monthly basis, replenishment is possible, but partial withdrawal is not.
3. Deposit "Bright Star" (BBR BANK). Rate - up to 7, 35% with a deposit amount of 50 thousand rubles. for a period from 180 days to 4 years. Replenishment is possible, but there is no capitalization and partial withdrawal. Interest is paid annually.
4. "It's simple." Rate - up to 7%, deposit amount from 1 thousand rubles. for a period from 1 day to 3 years. Capitalization and interest payments - monthly. No replenishment or partial withdrawal.
5. Pension deposit (SDM-Bank). Rate - up to 7%, deposit amount from 10 thousand rubles. for a period of 3 to 5 years. Capitalization takes place on a quarterly basis, replenishment and partial withdrawal are possible. The bank provides for partial withdrawal of up to 30% of the amount without loss of interest 1 time during the term.
6. "Pension" (Ural Bank for Reconstruction and Development). The rate is up to 6.45% with a deposit of 50 thousand rubles or more. for 3 years. Capitalization at the end of the term, replenishment is possible. There is no partial withdrawal.
7. "My income" (Promsvyazbank). Rate - up to 6, 8% from 10 thousand rubles. Term - from 3 months to 3 years. Interest payment at the end of the term, partial withdrawal and capitalization are absent. Replenishment is possible.
8. Grand + (Credit Bank of Moscow). The rate is up to 7.5% for an amount from 1,000 to 10 million rubles. Term - from one to 2 years. Interest is paid monthly, it is possible to replenish the deposit. There is no capitalization and partial withdrawal.
9. Pension deposit (Russian Standard Bank). Rate - up to 6, 35% with a deposit amount of 10 thousand rubles. The term of the deposit is from six months to 2 years. Capitalization is not provided, interest is paid monthly. Replenishment is possible, but not partial withdrawal.

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These are the best offers of banks for deposits for retirees. Most of the programs are short-term, but with a good percentage. Of course, the terms of the deposit for each bank should be studied additionally. The choice depends on many factors, including the banal convenience of visiting a bank branch when various questions arise. The conditions of many financial institutions are supported by additional deposit insurance and are aimed primarily at creating a "financial cushion" and fighting inflation.

It is important to think over a deposit strategy in advance. First, "don't put all your eggs in one basket." Secondly, if possible, insure deposits. Thirdly, try not to touch the money invested at interest. This way they will bring more profitability.

How to choose a deposit

The following significant factors will help retirees decide which bank is better to invest money at interest in 2022:

• Bank reliability and credit of trust. It is about the ability to fulfill the obligations assumed by the bank regardless of the circumstances. Well-known organizations like Sberbank and Mosoblbank are more reliable than those whose names are not heard.
• Interest rate. Depends on inflation and stability of the national currency. Percentage adjusts losses when these factors change.

• The size of the deposit at the start - it can be either 1 thousand or 100 thousand rubles. Start from your own financial goals.
• Periodicity of interest payments.
• Possibility of partial withdrawal of the required amount. Not all banks offer this service, but sometimes money is needed urgently, so you should consider this point.
• Capitalization is the addition of interest to the body of the deposit. The factor provides the maximum income.

Outcomes

Making money is hard, but it's even harder to keep it. Banks are aware of the area of financial risk among elderly people: various force majeure conditions for the health and housing of a pensioner are always possible. Do not keep money "under the mattress", it is better to let your savings work, generating income.