Financier Lazar Badalov in an interview with the agency “Hit the primer” He said the irrevocable savings certificate proposed by President Vladimir Putin could be quite interesting as an alternative to bank deposits.
According to him, such deposits are no longer popular due to a number of restrictions, but the mechanism proposed by the president should eliminate these shortcomings.
Badalov explained that savings certificates will be insured by DIA for 2.8 million rubles, which is twice the insurance of standard bank deposits. Additionally, banks will offer a higher interest rate on certificates, which is fixed for the entire validity period of the certificate. So, if the three-year rate is set at 15%, it will remain the same throughout the entire period.
The financier also noted that savings certificates will be very popular if lawmakers decide to tax the income generated.
Before this, Putin in his message to the Federal Assembly announced insurance guarantees for retirement savings and individual investment accounts (IIA).
Previously at Sberbank reportedthat they are ready to begin developing an irrevocable certificate of savings.