Investment deposit in Rosgosstrakhbank. Investment Deposit in Rosgosstrakhbank A brief overview of the new products of Rosgosstrakh

Convenient contribution from Rosgosstrakh "Investment" is designed for those customers who are focused on high income received from storing their own money on a bank account. Distinguishes this deposit from other other products of Rosgosstrakh Bank (hereinafter referred to as the Bank) Combinity, which lies in mandatory investments in mutual impacts, coordinated and sent by LLC Savings Management.

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Either the mandatory investment was made in the form of insurance towards Rosgosstrakh "Life". These and other subtleties of this deposit should be considered in more detail so that each wishes can take advantage of the most benefits that he carries.

Conditions

The main conditions of the bank's deposit proposal called "Investment" contribution is best to explore in a special table.

Then it will be easier to be a potential customer who wants to save his own money with the benefit of Rosgosstrakh Bank, make your choice in favor of this product or some other.

General conditions of the contribution of "Investment" opened in Rosgosstrakh Bank:

Additional conditions also include the following parameters of the investment contribution from Rosgosstrakh Bank:

1. Deposit currency - only Russian rubles.
2. A separate deposit account is created.
3. Creating cards tied to a deposit account - no.
4. The maximum amount of the bank may limit if it is associated with shares, and may not be limited, in the case of investments from insurance.
5. It is possible to terminate the agreement ahead of schedule, but the rate will be defined as a contribution called "to demand the client" - 0.001%.
6. with early termination of the contract, there is no benefit.
7. There is no progressive percent. Artificial or special increase in the bet on this deposit is not.
8. It is impossible to autoprol against the contract. It will be necessary to separately submit an application for extending the terms of the contract.
9. The opening of the deposit through the site can not, you can only submit a primary application.
10. There are no other remote services for the opening of the contribution.
11. There are no special conditions for this product.

The contribution "Investment" is a special contribution from Rosgosstrakh Bank, related to insurance deposits.

The combination of investments on a deposit account as a contribution, plus contributions to the PAIs of the PIFs under the regulation of the Savings Management LLC, or contributions to insurance against Rosgosstrakh in the direction of "Life" - is to open an account on the investment deposit obligatory.

This is the first and one of the basic, the main conditions of such a placement on the account of Rosgosstrakh their own free money.

The second most importantly, the condition of this unique product of the bank is the contribution insurance, on which all depositors are so often thought out, who fear to lose their money under the current instability of the economy and finance in the country and the world, in general.

Insurance parameters in this case look like this:

1. Insurance is subject to only the amount of the contribution, personally posted by the client on a deposit account from its own funds.
2. Interest that the contribution is incurred cannot be insured.
3. Participation in the pays, that is, the PAI themselves are not subject to insurance.
4. Contributions that are made on life insurance, respectively, can also be further protected by insurance.

The third condition, which should not be completed by the Company's client to avoid problems with law and the state, is the taxation of income received by an individual on the contribution.

Since the amount that will be accrued to the amount of the contribution, the amount of income from an individual will be kept strictly according to the rules of Russia's legislation.

The same contribution is the property of an individual, so there can be no taxes with him to be kept - only with the amount of recoverable interest on the deposit.

The fourth condition is a special rule regarding the amount of amounts that the client wants to put on the expense of the "Investment" product from Rosgosstrakh.

The magnitude of this amount should not be larger than the amount of the share participating in the PiF under the control of the Savings Management LLC.

It is obumed that the limit for the primary replenishment of the open deposit account is established in such a way that it is impossible that the amount of the replenishment exceeds the amount of the shade.

As for several paws, then there is taken into account the total amount of several feces, to which the contribution itself is to be oriented - the amount of personal funds of the client for the deposit should not exceed the amount that generalizes all existing PAI.

Interest rates

It should be noted that interest rates are often changing in this bank - they can change them for a year 1 or 2 times on the investment contribution. But for those clients, with whom the contracts for such a deposit product were already concluded, nothing will change.

All those bets that are indicated in the context of the agreement will be valid throughout the entire period of storage of funds and the accrual of additional income from mutual impacts or life insurance.

And this, despite the fact that product rates can be changed during the period of action of such a contract. In a word, to those depositors with whom the bank had already concluded a deal - it is not worth fear of changing the changes.

Accrual interest, by and large. It depends here more not from the amount, but from the time of placement of the deposit on the account.

At the beginning of 2020, the rates on this deposit changed, but now they have stabilized and have the corresponding values \u200b\u200bof the most profitable proposals of the bank.

Interest on the Deposit "Investment" from Rosgosstrakh Bank:

At the end of 2020, rates on this type of deposit in size are also kept than today's. So, if the client opened his contribution to 91 or 181 days, then had every chance to receive an income of 9% of the deposit amount.

If the account was opened for all 367 days, the rate was less than - 8%. It turns out that the rates did not grow, but decreased to this day by 0.5%.

But the oscillations of bets on deposit products always depend on the general market conditions, so it can still change all banks to raise rates, including Rosgosstrakh Bank.

How to discover the investment in Rosgosstrakh Bank

It is possible to open this contribution only strictly in those branches of Rosgosstrakh Bank, where the headquarters of the bank is allowed to accept applications for various operations in the direction of investment services, products.

Online design does not exist on this deposit, although you can submit preliminary applications through the site.

The list of such offices and divisions can always be clarified either on the official portal of this financial institution, or by going to any office of the company.

After consideration of the application and the documents attached to it, the Bank will make an agreement and will open an account that the client will be obliged on the same day and replenish.

The conclusion procedure itself occurs with the simultaneous conclusion of several contracts at once:

1. Comprehensive service agreement (at the request of the depositor).
2. Treaty for accumulative insurance for risk for life - product called Insurance "Life" from SC "Rosgosstrakh-Life".
3. Treaty for investment insurance for risk for life from SC "Rosgosstrakh-Life.
4. A treaty with a face under protection of the Savings Management LLC on the acquisition of one or another share.

As for the conclusion of a transaction for comprehensive service, this usually gives the client to simply get full access to his personal account on the official website of Rosgosstrakh Bank.

If the contributor does not intend to use the Internet at all, but will constantly come to the office to clarify the balance, or to obtain other references, then such an agreement does not need anything.

The conclusion of this agreement is purely voluntary for the client, but it should be remembered that even the connection of the SMS-notification service service will also require the signing of a comprehensive service contract.

If we are talking about the conclusion of the transaction with the Insurer "Rosgosstrakh-Life", then there is a client or one of the types of contracts is chosen, or one can conclude two - for funds and investment insurance.

The question of concluding a contract with the FIF is also purely voluntary for the client in case he already has a life insurance.

But if there is no such insurance, then the conclusion of the contract with theft and the purchase of some kind of paradise will be mandatory for the client to ensure that he may have the opportunity to open the contribution of "Investment".

Documentation

Among numerous conditions, there is one important - this is the submission of documents for opening a depository account. Here everything is simple enough, because only one document certifying the identity of the contribution owner is a civilian passport of the Russian Federation.

However, in addition to the passport, two applications are also being submitted - one for comprehensive service on the bank's website to gain access to your personal account to manage deposits and other accounts, and the second statement is to conclude a deposit agreement and open an account on the "Investment" product.

In addition to these three main documents - customer passports and two statements, in some cases the bank may request additional confirmation of the person.

Such confirmation can serve as the following documents:

• special passport of a citizen of the Russian Federation for foreign trips;
• military ID if the client is a man or a young man;
• driving license - must be valid, without expired terms;

• personal SNILS and others who may pass for an identity card, where there is a photo that applies to the opening of the contribution.

There are cases when a physical person is imperative that someone else has discovered instead, then the bank is allowed to open a personal account on the basis of a power of attorney to a person who trusts the future investor.

Power of attorney must necessarily contain powers and rights that make such transactions to the attorney, and should be certified by a notary.

Together with attorney and statements, the attorney is also obliged to provide its personal passport.

If the contribution wants to make a foreign citizen, then he will be opened the road - it will be necessary to present his passport with citizenship of his country, or other document certifying not only personality, but also a legal stay in the territory of the Russian Federation.

How to calculate

Pre-calculate profitability from the contribution can directly on the bank's website, where there is a specially online calculator. This program has already included deductions for taxes on income from individual under the legislation of Russia.

Makarenko Irina (Guest)

Cheating with investment income

07.12.2016 I with the RSS-life entered into an agreement of the investment insurance of life in the amount of 550,000 rubles with a participation ratio of 184.11%. Investment income at the beginning of the 2nd quarter amounted to 6,9943 rubles 75 kopecks. Due to the need to make money under the share construction contract, I was 08.06.2018 forced to contact RGS-life with a statement about termination of the contract. Under the terms of the contract, the redemption amount is 86% of the 550,000 rubles made, in addition, I owe me to pay the accumulated investment income. Since I need to make a large amount as an initial contribution to get a mortgage, I clarified the RSS-life (including on the hotline 08.06.20016 at 14 o'clock 12 minutes) the amount that is listed to my account. Employees of the office reported to me that the dynamics of the value of the basic asset of the high-yield Eurobonds market increased and the investment income will be higher than in the results of the 1st quarter of 2018, in addition it will be increased by the participation ratio. However, today I was told that investment income amounted to only 37,000 rubles due to a decrease in the euro. However, the euro rate did not decrease 2 times, there is no more increasing amount to the amount of the participation coefficient. My money was used for more than a year and a half, and intend to return the amount in the area of \u200b\u200b510,000 rubles, that is, not just without any income, but also with a loss. I want to warn those who decide on what insurance company to contact, go around the RGS-life by the party, not only do not get the income from the nested money, but also suffer damages.

Cheating, anyone like.

Administrator: The assessment is not counted, as the company gave clarification on the response left.

Reply to Fee

Representative SC.

Dear Irina!

The payment of payment in case of early termination of the insurance contract is carried out in accordance with the terms of this contract.

The size of the repurchased amount provided (the percentage of the paid insurance premium) is stipulated in paragraph 11.2 of the insurance program (Appendix 1 to the Agreement), and the principle of calculating investment income in case of early termination - in paragraph 9.

Upon your contact with the Center and the company's office, you have been granted a faithful consultation. In case of early termination of the contract, the correct calculation of investment income to payment can be made at the date of receipt of the division application.

This is due to the fact that investment income in the early completion of the contract is defined as an increase in the cost of an optional contract for the chosen investment destination (valid for the termination date).
That is, when you receive an application for termination from you, the company will implement an option contract and the amount of investment income will be designed depending on the cost of the option.

The amount of investment income is directly dependent on the growth or falling the cost of the basic asset at the selection of the investment direction. And it is subject to daily change depending on the situation in the financial market.

If you have any additional questions, contact us through the feedback form on the site https://rgslife.ru/feedback, we will advise you.

Yours faithfully,
Customer Support Management
LLC "SK" RGS-Life "

Social products in Russia are becoming more diverse. Each citizen has the right to carefully examine all suggestions before you prefer the best option. It is one of the most famous and reliable firms in the domestic insurance market, thanks to which cooperation provides for an increase in the level of reliability and the possibility of successful use of products offered.

Features of investment insurance

The unstable economic situation leads to an increase in the popularity of investment insurance. The provision of services of this species involves the accounting of important aspects for guaranteed customer protection.

Attachments that are mandatory when making the policy are distributed to two funds: warranty, risky. In the first case, the cash is placed in the tools - bonds and deposits, in the second - in profitable funds. The insurance market scheme allows each client to independently determine the optimal strategy of financial investments after assessing risks and alleged profits.

The warranty fund provides for a stable profits, thanks to which any fluctuations in the economy system cease to be risky. However, the level of profitability is usually extremely low.

The risky fund implies the possibility of receiving up to 20% income. As a result, the financial benefit becomes more accessible to the company's customers. If difficulties appear, the warranty fund is able to compensate for the client's loss to protect his rights, interests.

The investment insurance market in Russia works under a specific scheme. Each feature is significant for those who plan to take advantage of an affordable social product:

• The most favorable options provide for the design of insurance contracts for a long time. Usually clients are interested in 20-year cooperation with a specialized institution. However, the emergence of new social products is gradually changing the approach to this aspect, as a result of which investment insurance becomes advantageous even with a smaller use of the product.
• The contract defines the payment scheme. In compulsory, customers comply with the conditions for making all payments, since in the absence there is an unfavorable situation without the possibility of obtaining financial compensation.
• Accruals occur at certain interest rates, which are fixed in the current contract. Obtaining financial compensation is due to the possibility of using funds for the purposes established by the insurer.
• On a regular basis, new social products appear, based on the interests and needs of the target audience. Rosgosstrakh, one of the most reliable firms in the domestic market, offers various investment programs. Recently, conditions are becoming increasingly loyal for customers.
• In the contracting contract, all potential situations are prescribed. As a result, it becomes possible to pay even when the client's death, which used insurance services. In such situations, the company pays full volume payments only to heirs.

Features of investment insurance of life are determined not only by the established general standards, but also aspects prescribed in the contract. Previously, the client selects a program that meets its needs. Cooperation, the conditions of which are determined individually, starts only after receiving the policy of the Russian citizen. For the use of social products, the Client Rosgosstrakh should be 18 years old.

Opportunities for Investment Life Insurance

The execution policy performs several important tasks that can be appreciated by Rosgosstrakh customers:

• obtaining guaranteed profits due to the right managing the funds provided to specialists;
• protection of investments from fluctuations in the economy;
• life insurance and health status.

Choosing a program, it is extremely important to be prepared for accounting for the main aspects of investment. Reviews about investment insurance of life in Rosgosstrakh testify to the absence of any risks for customers, thanks to which the proposals are becoming beneficial for their citizens of Russia.

The term of the program is chosen individually by the client of the company. In most cases, the deadlines are optimal for those who are interested in investment insurance services. It is necessary to be prepared for the fact that in half a year the possibility of fixing the profit and replacing the direction of investment without commission payments, penalties.

Rosgosstrakh is one of the most reliable firms in the domestic market. Each client has the right to return the full amount of investment and receive additional profits after the expiration of the execution policy. To increase the level of benefits, it is possible to replenish the account, payment of insurance premiums using convenient mechanisms. Each client can use the services of a legal advice, resulting in understandable aspects of cooperation with Rosgosstrakh in any changes in life.

A brief overview of new products of Rosgosstrakh

One of the most popular products from Rosgosstrakh is the Capital Management Program. This decision guarantees the customer's money protection, high profits from investing and receiving special payments for unforeseen situations. At the same time, the age of the insured should be from 18 to 70 years, since the impaired age border entails additional risks, which are undesirable for specialists.

The program is offered on the following conditions:

• the minimum contribution amount is one hundred thousand rubles;
• insurance fee should be paid at the same time;
• the contract can be issued for 3 years or 5 years;
• in some cases, an increase in the age of the insured client up to 85 years is allowed.

Thus, the program increases the chances of using the service for representatives of the target audience. Optimal conditions allow you to count on maximum benefit to each client.

What scheme does the investment insurance of life work in Rosgosstrakh? Initially, the client must make money and sign a contract carefully reading all the terms of the program. At the end of the action, you can get personal funds and additional income, taking into account the situation. This provides for obtaining both guaranteed and additional income.

The advantages of cooperation with Rosgosstrakh

Each client has the right to count on the following benefits of cooperation with Rosgosstrakh:

• capital protection and guaranteed contribution return even with adverse situations for specialists;
• high chances of obtaining significant profits due to the fact that professionals are properly disposed of cash;
• transparent scheme for calculating investment profits and lack of fraud;
• a competently executed agreement guarantees the protection of the interests of the client.

Rosgosstrakh is a well-known and reliable company in the field. Optimal terms of contracts, thoughtful programs contribute to the successful cooperation of the insurer and each client.