Today, many banks offer a variety of special deposit or savings accounts for retirees. Opora Russia First Vice President Pavel Sigal notes that you need to differentiate (divide) your savings before deciding on a bank and type of deposit. In a conversation with Hayat It has been recommended Invest money that you will definitely not need in the near future.
The expert recommended depositing the rest of the money that needs to be spent into a savings account. This is convenient because the deposit assumes that the client does not touch the funds for a fixed period of time, and the savings account allows you to manage the money freely.
“So it will be possible to earn money in a year, because the exchange rates are really high, and interest will also accrue on the money while it is in the savings account,” he said. “There are good offers on deposit and savings accounts from banks before the new year.”
Anna Gondusova, customer relations director at Alfa Capital Management Company, noted that savings accounts, where investments are not limited in time, are more convenient because they allow you to deposit money later at a higher interest rate.
“But the interest on such accounts is usually lower than on conventional deposits,” he added.
Gondusova also advised using this trick, stating that many banks provide bonuses in addition to interest when opening an account for the first time for 1-2 months.
Central Bank before clarified Pitfalls of savings accounts.