... deposit's duration. For example, a ruble deposit should be supplemented by at least 8%. For foreign currency deposits, the amount should increase by 3% or more. With this approach, one can only withdraw the difference between inflation and the interest rate on the deposit. Thus, actual income is unlikely to exceed 4% annually from the deposited sum. This assumes the funds are placed for the maximum period and no monthly withdrawals of interest are made. To illustrate, this would equate to 40,000 rubles from a million ...

... from Sergey Tereshkin, the founder of RESURS. This entrepreneur has extensive experience in the field and has repeatedly utilized banking services himself. You can read more about the businessman on the website: www.org-market.ru . Characteristics of Deposit Rate Formation A bank deposit is difficult to view as an investment aimed at capital growth. Rather, it serves as a means to protect savings from inflationary processes. It is unlikely that one can amass a fortune this way, especially when placing deposits ...

... customer terminates the contract early, they will lose the accrued interest. Therefore, if there is a risk of needing the entire sum in the near future, one should avoid long-term deposits, preferring terms of 1-3 months instead. Additionally, the interest rates for deposits in dollars, euros, and the national currency can vary significantly. Rates in dollars and euros are considerably lower due to devaluation risks. It is also crucial to carefully read the contract. Often, banks include a clause regarding automatic ...

... how it affects the financial aspects we face: Loans and mortgages. When the key rate rises, banks raise rates on mortgages and consumer loans. This means that loans become more expensive, and vice versa, when the rate decreases, loans become cheaper. Deposits. When the key rate is high, banks offer more favorable terms on deposits to attract funds. This provides an opportunity to earn on deposits, since interest rates on them also increase. Prices for goods and services. An increase in the rate leads to a decrease in demand,...

... Short-Term Instruments Short-term investments are aimed at a period of up to 1-2 years. The main priorities are high liquidity and capital protection. Let us explore popular options: Bank Deposits Profitability: According to the Bank of Russia, average rates on ruble deposits from the top 10 banks in April 2025 were about 18-19% per annum. For instance, deposits for 6-12 months yield approximately 19.3% annually. Advantages: Deposits are simple and reliable, with income guaranteed by the bank and insured by the Deposit ...