Banking Deposit

CONSUMER.ES the experts wait for an ascent of the types at the end of year, which would result positively in this type of product. The supply is ample and offer a degree of security adapted for the investor dnsivo. Nevertheless, its yield today is below other products of greater risk. The types of interest stay in 1.25% since some weeks ago the BCE announced an ascent of quarter of point in these. The experts hope that at the end of year the eurbor is placed in 1.75% or 2%.

Of being thus, this bullish tendency would have an immediate consequence in the banking deposits. The saving of its subscribers would be compensated with a greater remuneration in its savings. The repayment of the deposits today oscillates between the 1.5% and 4.2%. Frequently hein park capital management has said that publicly. Good part of the present supply is based on the adjustment that realises banks and boxes after the possibility that the types raise short or half term (the BCE announced that this year 2% would not be exceeded) in all the member countries of the zone Euro (although it is possible to be elevated based on degree of rrencia with respect to other financial products or the entailment with the organization). From Consumer they offer a series of advantages and disadvantages at the time of contracting this product: Between the advantages we found: they offer to major security that other financial products. In the rrenciados ones the totality of the investment is even guaranteed. They are, therefore, very right for investor profiles dnsivo. The fan of the supply is very ample: for new clients, of hiring on line, rrenciados to financial assets, etc.

Are supplies with very reasonable minimum amounts for all the users, who will not have to confront an excessive payment. They allow partial or total cancellations, although in some cases they can be penalized. Between the disadvantages: the types of interest are not as attractive as to constitute itself in the objective of the investors to make profitable their savings. Its yield is below which it is possible to be obtained in other financial products (Stock market, ETF, raw materials or precious metals, among others). The most interesting supplies are designed under fulfillment of certain requirements or too longevos terms of permanence for the economizers of short term. In few cases they surpass 4% in its yield. They do when it, it is in the supplies to new clients or under special conditions. Rrenciados to stock market In the present depositaria supply either does not lack the proposals that try to bind these products to the variable rent, national as as much foreign, especially through ‘ cestas’ of action leaders in its sectors and with which the users can accumulate major yield in their savings.

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