That will protect the savings of currency jumps

In December 2014 the dollar with the euro almost doubled, and all who earn and keep money in rubles, become poorer. If you wish to postpone their savings for several years and do not worry about such jumps, open multicurrency deposit. The method is not the most popular, but reliable.

What is a multi-input

This contribution includes several accounts in different currencies, such as in rubles, dollars and euros. Banks offer it to customers do not lose money after the next jump.

If you keep their savings in a single currency, due to the unstable exchange rate for a few years can be much prosest. Man postponed on the car in rubles, but in that time the dollar jumped - and the car was 50 thousand more. Or a deposit in US dollars, and he fell.

When savings are held in different currencies, the unstable exchange rate is not dangerous, because at the same time all the currencies are not falling.

where open

Multicurrency contribution is not the most popular banking product. For example, in Sberbank and VTB did not open. Just customers are much more likely to save money in one currency.

Find the list of banks with a multi-currency deposits, please visit "Sravni.ru" or "the Banki.ru». But there is not all the options. Therefore, if you find that some of the bank is not, recheck. Most likely, he simply refused to multi-currency deposit, but maybe you're right and you will find more number of proposals.

Select banks of the Agency the list of the Deposit Insurance Agency (DIA). If the organization has burst, you will return the money. Maximum - 1.4 million rubles at the date of revocation of the license. But keep in mind that 1.4 million - compensation for all the cards and ordinary bank account, rather than in just one multi-input.

What to look for

Interest rates. According to the multi-currency deposits rates are generally lower than on individual deposits in rubles, dollars or euros. Keep this in mind if you are the most important thing profitability.

Capitalization of interest. Look for deposits with monthly capitalization of that interest is charged is not the end of the period, and each month more and more money.

Currency ratio. It is usually possible to identify himself, but some banks have set limits, for example, half of the amount must be in rubles.

If there are no restrictions, but you do not know what proportion of the currency spread, listenKudrin advised to keep their money in three currencies Alexei Kudrin and keep the money in equal shares.

Currency conversion. Not all allow you to convert currency in the deposit or provide such an opportunity only a couple of times. Make sure that you can change the aspect ratio when needed.

why recommend

On the one hand, multicurrency deposit will bring less than conventional currency. But on the other hand, it will protect the money even with a strong change of course. If you keep the currency on individual contributions and one of them starts to fall, the money from this contribution will want to withdraw. Interest shall be burned up. A multi-currency deposits to money, you can simply convert.

Multicurrency contribution - for peace of mind.

see also

• In what currency is best to keep their savings →
• Where to invest the extra money in the 20, 30 and 40 years →
• How to choose a contribution to make more profits and fewer problems →