... Tereshkin suggests adhering to several principles: To minimize the risk of losing money, deposits should be made exclusively in state financial institutions. It is advisable to avoid deposits in commercial banks, even if they promise significantly higher interest rates and, consequently, higher income. Do not keep all your funds in a single financial institution. It is wiser to divide your available funds into several parts and spread them across 2-3 banks. This reduces the likelihood of loss. To ensure that invested funds are not eroded by ...

... continues to generate interest until the end of the contractual term. Interest on the deposit is credited to the main account and thus adds to the principal amount of the deposit. As a result, the total amount increases monthly, which in turn grows the income. The addition of interest to the principal amount of the deposit is referred to as its capitalization. This system is also commonly known as compound interest. For long-term investments, this method proves to be far more advantageous than a standard deposit where the ...

... Insurance Agency (up to 1.4 million rubles). They provide fixed profits that are understandable even to beginners. Disadvantages: The real return is low—barely exceeding the inflation rate (around 9.5% in 2024). If withdrawn early, the bank pays less interest. Taxes: Personal Income Tax (PIT) (13%) is paid only on income exceeding approximately 210,000 rubles annually. Government and Corporate Bonds Profitability: Federal bonds (OFZ) are the most conservative option. Short-term OFZ yields about 17-19% per annum. Corporate ...

... than for the same period in 2023, when the profit was 10.6 billion rubles. Interfax This profit growth confirms the company's stability even in the current economic conditions. The main driver of the profit increase was a significant increase in net interest income, which rose by 48% year-on-year and amounted to 18.6 billion rubles. The company was also able to increase its non-interest income by 24%, to 11.4 billion rubles. BCS Express These indicators indicate high-quality management and a good income diversification ...

... the key rate set by the Bank of Russia impact real yields—historically, the purchasing power of ruble deposits has declined. For instance, over the last decade, real income for deposit holders has decreased by almost 18%. Taxation. Starting in 2024, interest on deposits is subject to personal income tax (PIT) of 13% above a tax-exempt threshold. This threshold equals 1 million ₽ multiplied by the maximum key rate for the year. With a key rate of approximately 15%, this translates to about 150,000 ₽ in annual deposit income. Therefore, ...