No Longer deposits Investment Products

Deposits instead of new financial products that can be used as an investment instrument, because the results obtained do not exceed the rate of inflation. for example, if in 2014 the deposit rate of 7.5% with an inflation rate of 8%, the deposit can not be called an investment. because of the increase in lower yields than investment. deposits can only be classified as a savings product.
investment deposits
Deposits is a form of short-term investments which could also try. Differences deposits and savings are at a defined time period.

Deposits are deposits that can be withdrawn only at a specific time based on an agreement with the bank Depositors. Deposit and withdrawal can only be done at certain times or in accordance with maturity so that deposits also known as term deposits.
Although the concept is the same, the deposits have some differences with ordinary savings:
- The existence of a period
- You must embed your money within a certain period, for example 1 month, 3 months, 6 months, or one year. During that time, you usually do not
can add or take such deposits.
If for example you are in a state of urgency and take deposits before maturity, usually you will be charged a penalty / fines large enough by banks.
- The interest is relatively higher than regular savings.
- The initial deposit larger
With higher interest, deposits also require minimum balances larger than regular savings. Typically ranging from Rp 1,000,000 to hundreds of millions, depending on offers from the bank.
- No monthly administration fee, but your deposit will remain taxable.
Investments in deposits usually oriented in the short term. For example, to simply store the idle fund, an emergency fund, or securing money when circumstances other investments such as stocks, bonds or mutual funds being unprofitable.
Tips For those of you who want to embed your money in deposits,
- Tubes in part, is not all. You can hassles that put most of your funds in deposits, for example in case you need emergency funds.
- Select the jangkanya short, eg 3-6 months. If the period is too long, you may lose the opportunity to gain from investing their potential because of others who were detained by depositing your money.
- Choose healthy banks and reliable, do not let your bank went bankrupt shortly after you put your money.

hopefully useful ya !!


Greetings
Anas Bully



(Source: investasijutawan.com)