Savings Funds: Contribution No Risk.

Propensity to accumulation is an integral feature of human nature. Usually the average amount of savings is the total income of a person received from various sources for a period of 3 months to 1 year. According to sociological science, in the secular state there are about 200 (!) Disparate social groups that have their own values. In short, saving money through a contribution without risk can be due to different goals. For people who adhere to traditional values characteristic of the consumer society, it can be a magnificent wedding, an initial mortgage on housing, the purchase of an expensive car. For other social groups - a grandiose journey, buying property outside the city, spending money on a hobby (motorcycle, boat, airplane and so on).

The easiest way to save finances is to replenish the bank deposit. We can say that this is a risk-free deposit, since the state reserve system guarantees the safety of deposits up to 700 thousand rubles (in Russia - the Deposit Insurance Agency), to which each bank that holds a license makes deductions. The main disadvantage of this type of savings is low interest rates (up to 12%), as money is constantly depreciating. So those who think about accumulation should remember that real inflation in Russia in 2012 amounted to over 15%!

Alternatives to the service bank deposit (in fact, a contribution without risk) in a person who does not have a special education, a little. Let's say it can be a liquid currency, but against the backdrop of cataclysms of the US or European Union economies, this is risky enough. One option is gold, but legally (through Sberbank) it can only be bought much higher than the quotes.

However, there is a way out - to invest in steadily growing sectors of the Russian economy - microcrediting and construction of budget housing. After all, the "alpha and omega" of our economy is oil, and in the coming years, according to experts' forecasts, the price level for this non-renewable resource will remain the same or increase. As a result, the inflow of currency into Russia will continue. Hence, consumer activity of the population will remain high, and the financial sector will prosper.

The possibility to invest in these industries is provided by the Metropolitan Finance Corporation, a group of companies, including the microfinance organization MFO-Banking, the developer of budget housing "ASK", the tourist company "EstKlab Rus". The funds are invested in the turnover of real projects (rather than being refilled from the Central Bank at a high refinancing rate, as commercial banks often do), so a yield guarantee of 17% per annum is given. So you can say that this is a contribution with a gift. Credit money and inexpensive housing will always be in demand! In addition, the Metropolitan Finance Corporation has ready-made solutions for the purchase of finished housing in large LCDs in Moscow or the nearest Moscow suburbs.