All funds in one currency to keep it is not necessary

How to properly dispose of their surplus funds? As the investor to choose a bank? What is depersonalized metal and accounts and many other things we were asked to tell Elena Voronin, Advisor to the Chairman of the Board of the Moscow Bank for Reconstruction and Development (IBRD), the retail unit and marketing. According to the Bank of Russia deposit rates continue to fall. During the third decade of June the maximum rate decreased to 9.28%. But the Central Bank monitors only the top 10 leading Russian banks to attract deposits. According to your data, whether it is possible now to find banks with higher rates? It is possible. However, at the opening of the deposit can not pay attention only to the quantity of interest rates. Investor should have the assurance and confidence in the safety of funds. Therefore we recommend to choose banks that are included in the deposit insurance system, among the market players are confident, working at least 5 years. Allocation of funds and by assigning a very high interest rates - is a risk. Banks that promise above-average level of interest, usually placed funds raised in a more risky operations, and accordingly there is a certain probability of non-repayment of deposits with a sharp drop in profitability from these operations. Do you think rates will continue to fall? Interest rates on deposits, they increase or decrease will depend largely on the refinancing rate and general market trends. However, most probably before the end of the year, the average level of interest rates will remain unchanged. In your opinion, now denominated deposits to protect the money from inflation? Some experts predict an acceleration of inflation in the second half of the year. Do you think that at the time deposits in national currency will remain a reliable protection against the growth of consumer prices? Recommendations of the deposit portfolio diversification are still valid. All funds in one currency to keep it is not necessary. Accumulation can be divided into equal parts and to open three of the deposit: in rubles, dollars or euros. In addition, you can use multi-currency offering banks that are still popular. By the autumn we plan to introduce a multi-deposit and its line inputs. I believe this proposal will make the World Bank depositors in September. Demand for these types of deposits due to the fact that they allow you to move from one currency to another with no loss of interest. How to choose a bank? Currently, the DIA ensures repayment of deposits up to 700,000 rubles. It turns out that a potential investor, do not need to worry about in any credit institution to attribute the money. The main thing is that it was part of the CER (the deposit insurance system)? Do you agree? In addition to the Bank's participation in the deposit insurance system is worth noting a few important aspects to consider when choosing a bank, including reputation, versatility of services, as well as their compliance with the conditions of the needs of a particular customer, the convenient location of offices. Reputation of the bank's easier to evaluate for a long time period, so please choose banks that are active at least 5 years and not just one operation, such as raising funds on deposit, but also on other bank transactions: loans, securities, etc. Especially that use the services of banks willing to offer a full range of financial services more convenient. This allows us to solve all banking matters in one structure: a loan, to issue a plastic card to deposit money into the contribution to transfer, etc. Plays an important role and an extensive network of offices, as This makes the bank's services more accessible, allowing the unit to pick up the bank, located in close proximity to home or work. Tell us about the MLA (unallocated metal accounts). What are the specifics of this contribution? What are the pros and cons of this tool? What are other ways of investing in metals, in particular, in gold? OMC - depersonalized metal accounts. As a rule, the contribution of NMR is used for diversification of investments. Banks, this tool is used as an additional attraction of money and expand the product line. Basically, the contribution of CMI is proposed to open in gold, silver, platinum and palladium. For customers in this important point is not interest on the deposit, and received income related to the quotations of the metal. Among the advantages - the opportunity to diversify investments, precious metals have a high capital intensity is high battery cost. Minus CBOs is that they do not fall under the deposit insurance system. Summarizing, we can say that the OMC is not a bad way to invest, however, is considerably more risk than, for example, deposits. In your opinion, how risky are investments in the stock market instruments? What advice can you give an unsophisticated investor? Is it any time soon enter the market? How to choose the tools to invest? The stock market today is sufficiently developed, so virtually any investor can choose and buy a tool "to taste and risk." It is from this choice and depends on the degree of risk. The main advice is particularly inexperienced investors - and not risk too aware that in addition to income and losses can be obtained. However, this does not mean that to enter the stock market is not worth it, simply by taking a decision, and tools for investment should be chosen with care, preferring short-term debt instrument. The choice of investment instruments depends primarily on the purpose of investment. That is, the tools are selected under the investor's goal and the means at his disposal. The decision about: playing the market on their own or rely on a professional, you should take caution and careful consideration, since its accuracy depends on many factors. First of all, the investor should be aware of how much he was prepared to devote sufficient time to study the "subject", then your portfolio. If in doubt, choose the best bank deposits and shares. There is also a debt market. This market instruments representing debt of one or another issuer. A natural person may very well work with him. Market for bank deposits now in the alternative does not spoil the depositor high-stakes, so the debt market - the choice of those investors who are willing to take risks. Note that when dealing with financial markets for the individual tax issues virtually none. The question is bright enough regulations, the tax rate is quite acceptable, after three years there is relief. In your opinion, what are the tools of investment can be attributed to a conservative strategy, that is when a person is, above all, wants to preserve, not to multiply? What tools do you feel about high-yield, but at the same time with a huge level of risk? By a conservative strategy is classically include bank deposits, as a rule, this tool allows you to save money, but does not provide a high return. The most high-risk and high yield - stocks, asset management services. What instrument do you consider most appropriate to preserve their capital, protection against inflation and other economic risks? If we talk specifically about preservation of capital, the best tool is the least risky deposits. And at the rate of long-term period and a sufficient number of free tools I would recommend investing in real estate.