Contributions are different, there is a separate text about this on Lifehacker. But the most common option looks like this: a person puts money in the bank for a certain period of time at a certain percentage. If he needs this amount earlier, he will lose all accrued bonuses.
A good deposit is one that allows you to deposit money into an account and implies capitalization. With it, interest is accrued every month and added to the available account. And then next month the interest will be calculated from the increased amount. This way, savings grow a little faster.
Similar contributions can be found almost everywhere. But it is unclear what to do: put all the money on one deposit and calm down, or somehow divide them and try to win on this.
With one account, everything is clear. You put, say, 500 thousand rubles at 7% for a year and after 12 months, taking into account capitalization, you took 536,146.67. That's not counting the money you could have reported. But with the addition of funds to the deposit, everything is usually not so simple: it is allowed to do this once or several times and closer to the end of the term. The rest of the time, all you can do is wait.
And you might get lucky. If deposit rates go down in the future, your money will stay the same. But it also happens the other way around: rates rise, and your funds are stored under irrelevant conditions. And you can remove and transfer them only by losing all previous percentages.
In such a case, there is a mechanism that will allow for these fluctuations.
The ladder of deposits implies the opening of several deposits by steps. A person divides his savings into four parts and makes four deposits with the opportunity to report money — for 3, 6, 9 and 12 months (or for another period, it's just a classic). After three months, you need to withdraw money with interest from a three-month deposit and assess the situation. If the rates have increased, it makes sense to make a new contribution, there are no obstacles to this. If you have decreased, you can add this amount to the six-month deposit. After another three months, it is necessary to repeat the operation with a six-month deposit.
This approach makes it possible to manage money more flexibly, because at least part of it can be transferred on new terms or keep the previous rate, if it is profitable. At the same time, if you urgently need finances, in six months you will have access to a certain amount, and you will not have to lose interest.
Another option of the ladder approach is to make several long—term contributions, but with a time shift. That is, let's say you open four deposits, but one now, another in three months, the third in six months, and so on. However, this is already an approach for not very anxious people, because the closure of the first deposit will still have to wait a year.Bank deposits are generally a way of saving money, not multiplying it. The rate usually keeps pace with inflation, and even if you make the most profitable decisions on deposits, you will not get rich much on it. So if we are talking about really large sums, it is worth considering how to make them bring in capital in another way.
If the amounts are small, the difference from one deposit or several will not be so impressive. Especially if the economic situation is more or less calm and the rate does not jump back and forth. So if all this deposit control and money redistribution is uncomfortable, then you can do with one deposit.
Before thinking about whether to divide the money into several deposits or not, it is important to remember the maximum amount of insurance.
Deposits of individuals in banks are insured by law. If something happens to the institution ‑ for example, it loses its license, then the money will be returned to the person. But in an amount not exceeding 1.4 million rubles Federal Law No. 177‑FZ of December 23, 2003 "On Deposit Insurance in Banks of the Russian Federation" .
Therefore, if the amount of savings exceeds 1.4 million, it makes sense not just to divide the money into several deposits — these should be deposits in different banks. This will not allow you to increase your savings, but it will be useful in an emergency if you need to save them.
