Where to invest money at interest?

When there is free money, it is better to invest - we all know is a truism. However, what if the number of deposits a huge set, and determine the choice quite easy. To get started is to decide for yourself what you want: to get high interest on deposits or to be sure that your contribution did not happen? Ideally, of course would like both of them. However, in practice this happens not always. Bank.ru prepared several options for where to invest money at interest. Opening a bank deposit a contribution to the credit institution - a sort of classic of the genre that never gets old. One may say that the bank deposit brings too little revenue, but will not go against the truth: nothing is more reliable and security of mankind has not yet been invented. Although it all depends on how big the appetite from investors. So, today the state is prepared to insure contribute only up to 700 thousand rubles. It is true that recently a number of officials from the Office of the President of Russia offered amendments providing for compensation for only part of the funds invested in the bank (up to 90% of the deposit). Legislative support for this initiative has not yet received, and this means that in case of bankruptcy, the investor will receive all funds within a specified amount. As regards interest rates, then throughout the past year, they steadily fell. As a result, average interest rates on ruble deposits by the end of 2010 amounted to 7.84%. There were, of course, those financial institutions that offered 10-11% per annum, but that the account was necessary to put an amount of several million rubles. By early 2011 interest rates on deposits were fixed at around 8.25% per annum. And it may be far from the limit, because from the beginning, the Central Bank ceased to control interest rates on ruble deposits. Now it is possible that in the pursuit of new customers, banks will raise them again. Microfinance institutions Alternative banks make micro-finance institutions. So, according to market participants, such organizations provide the opportunity to earn up to 18% per annum, which is approximately 1.5% higher than on bank deposits. "This is absolutely protected by state legislation yielding investments, increasing transparency of microfinance institutions," - says CEO Finotdel Alexei Drobotay. Transparency and adds that in early January, came into force a law on microfinance and microfinance institutions, "according to which all micro-finance companies will have to provide documents to the Finance Ministry, and any investor will be able to obtain reliable information about the activities of the organization. And yet, microfinance companies to banks, of course, not competitors. In Russia, they are poorly represented, so to say that microfinance has taken a decent and a strong niche in the domestic market too early. Gold is of particular interest in the past year has been shown to gold deposits. In 2010, gold is being bought by the ton, and the price ounce grew by leaps and bounds. Early in the year it was $ 1100, the beginning of October an ounce of gold reached a record $ 1346, but by November, has already grown to $ 1,410.10 an ounce. In the future, analysts have promised in their forecasts, and $ 1500, and even $ 2000 per ounce. Mutual Funds Mutual funds also provide the opportunity to earn good money, but to manage this kind of contribution is not always easy. In order to use them, you must have a higher level of investment literacy. Besides, the money in mutual funds can and do lose. True, this can not be denied, and the fact that the level of income on deposits is also higher. However, mutual funds are different. Some, for example, working with Bonds: bring a small profit, but are considered more reliable. Others involved in the sector funds: mutual fund money market index mutual fund, venture capital, mortgage, etc. The main feature of the same mutual fund is that investments in these funds can always quickly restore, without losing revenue. In any case, before choosing one or another contribution to better assess their capabilities. If you are just interested in saving the accumulated funds, feel free to carry money in the bank. However, if you want to increase their capital, think about what kind of contribution do you most suited and to take over building their own assets.