We increase the yield on IIS to 25-30% per annum
In the last article, we looked at how, with the help of an IIS and the purchase of bonds, you can achieve a guaranteed return of 20% per annum. This is of course wonderful. But.....there is a point that probably won’t suit everyone. This is the inability to withdraw money from the account, both the main invested funds and the profit received from investments. Your money is frozen for 3 years. This is precisely the condition for investing in individual investment accounts.
Of course, you can literally take them out. But then you can forget about 13% from the state.
There is one option that many investors have already begun to use. It allows you to invest money only for 1 year, or even a couple of months, and receive the required 13% of the investment amount from the state.
How to earn 25% per annum in just a few months?
It's all about the wording of the law on IIS. A private individual needs to open such an account for at least 3 years. And every year he can count on a return of 13% of the annually deposited funds (up to 400,000 rubles).
But nothing is said about the minimum amount that must be in the account. Formally, you can only open an individual account. And that is all. You don’t have to deposit money into it. This is not prohibited by law. After 2 years, deposit money into the account. You buy bonds with a guaranteed yield of 12% per annum and in a year your IIS will be exactly 3 years old and you can withdraw money from the account and count the profit.
The state will return 13% and you will earn 12-13% on bonds.
TOTAL: in just 1 year you will earn at least 25% profit.
We can go even further. Deposit money in the last month of the mandatory 3-year period of the IIS. And take them out in a month. And you can submit a declaration for a 13% refund. For a month - 14% profit - very good.
Another option on how to earn extra money on IIS.
Open 2 empty investment accounts with a slight difference in opening dates (2-3 months). Since one person can open only 1 account, we open a second one for a brother, wife, son, father, grandfather.
We also deposit money into the first account in the last year. After the expiration of the 3-year period, we withdraw money from the first and immediately invest in the second.
What will this give us?
The first invoice for the year will bring us 25% profit. Then the second account (grandparents’ account) for 2-3 months will allow you to earn another 15% of income.
Total for 1 year and 2 months we have about 40% profit or 35% per annum!!!
The only condition for such a scheme for opening 2 individual investment accounts at the same time is the presence of officially confirmed income, i.e. work, due to which the state will return the money to you. After all, in fact, the 13% that you receive from the state is a refund of your taxes paid when receiving your salary.
If there is no such official income, there is no 13% refund.
Deposits with interest paid monthly in Moscow
Compare the conditions for deposits in rubles with monthly interest withdrawals in Moscow banks to calculate and choose the best conditions. The highest interest rate today is 7.00% per annum.
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With replenishmentPartial withdrawalWith capitalizationClosing without loss%1 year1 month3 months6 monthsin US dollarsin EurosMulticurrency
Found: 345 offers
Open a deposit in rubles.
| Interest rate per year7.00%Deposit term181 days | Optimal choiceTavrichesky Bank
Special conditions: the deposit is opened no later than three working days from the date of conclusion of the investment/accumulative life insurance program 6 more deposits in this bank upon your request | Rating: 54th place Persons No. 2304 |
| Rate per year 6.50% Deposit term From 1 month | Savings account (with an increased rate)Ural Bank of Reconstruction and Development
Special conditions: interest is calculated on the daily account balance 7 more deposits in this bank upon your request | Rating: 37th place Persons No. 429 |
| Rate per year 6.30% Deposit term 370 days | Confident futureAk Bars
Special conditions: the deposit is opened upon the simultaneous conclusion of an accumulative life insurance contract for the amount of the annual contribution, which is at least 10% of the deposit and at least... 4 more deposits in this bank upon your request | Rating: 18th place Persons No. 2590 |
| Rate per year 6.25% Deposit term 367 days | Maximum income with NJ (monthly) Interprogressbank
Special conditions: opens when concluding an accumulative life insurance (CLI) agreement with the bank’s partner insurance company; within the framework of one CLI agreement, only one can be opened... 9 more deposits in this bank upon your request | Rating: 107th place Persons No. 600 |
| Interest rate per year6.00%Deposit term3 years | RentierFora-Bank
More details Add to favorites 2 more deposits in this bank upon your request | Rating: 87th place Persons No. 1885 |
| Rate per year 5.80% Deposit term From 546 days To 730 days | Accumulative-VipBBR Bank
More details Add to favorites 2 more deposits in this bank upon your request | Rating: 74th place Persons No. 2929 |
| Interest rate per year 5.62% Deposit term From 5 years | Savings accountBank "FC Otkritie"
Special conditions: interest is accrued on each receipt of funds into the account; savings account with “laddered” interest accrual (up to 6% per annum) 6 more deposits in this bank upon your request | Rating: 7th place Persons No. 2209 |
| Rate per year 5.60% Deposit term 300 days | Income strategy (with ILI for 4 years or 5 years) Loko-Bank
Special conditions: deposit with “laddered” interest accrual (up to 7%); 8 more deposits in this bank upon your request | Rating: 68th place Persons No. 2707 |
| Rate per year 5.50% Deposit term 370 days | Multicurrency Premium+Bank BKF
More details Add to favorites 2 more deposits in this bank upon your request | Rating: 190th place Persons No. 2684 |
| Rate per year 5.50% Deposit term 367 days | Magnus-OnlineJ&T Bank
Special conditions: deposits are opened only through Internet Banking 4 more deposits in this bank upon your request | Rating: 135th place Persons No. 3061 |
| Rate per year 5.50% Deposit term From 1 month | Savings accountMoscow Credit Bank
Special conditions: interest is calculated daily based on the amount of the cash balance at the beginning of the day 3 more deposits in this bank upon your request | Rating: 8th place Persons No. 1978 |
| Rate per year 5.50% Deposit term 181 days | RecordBKS Bank
Special conditions: the deposit is available only to new bank clients who have signed up for a package or “Premium”; the deposit is opened only at a bank branch. 4 more deposits in this bank upon your request | Rating: 82nd place Persons No. 101 |
| Rate per year 5.50% Deposit term From 1 month To 3 months | Savings account “Piggy Bank” (with the “Savings” option)VTB
Special conditions: interest is accrued on the daily account balance; the base rate on the savings account depends on the amount of funds in the savings account; increased return on the account... 4 more deposits in this bank upon your request | Rating: 2nd place Persons No. 1000 |
| Rate per year 5.50% Deposit term 181 days | Sauber – StableSauber Bank
Special conditions: the deposit is intended for clients who have deposits with the bank that were closed no earlier than 07/01/2020 2 more deposits in this bank upon your request | Rating: 241 place Persons No. 1614 |
| Rate per year 5.30% Deposit term 121 days | Black EditionNorvik Bank
Special conditions: the deposit is opened to owners of a current account concluded from March 7, 2020 using a plastic card with a MasterCard Black Edition/MasterCard credit limit… 5 more deposits in this bank upon your request | Rating: 159th place Persons No. 902 |
| Rate per year 5.30% Deposit term 732 days | Expo-PromoExpobank
More details Add to favorites 4 more deposits in this bank upon your request | Rating: 69th place Persons No. 2998 |
| Rate per year 5.25% Deposit term 366 days | New PensionMoscow Regional Bank
Special conditions: the deposit is opened in the presence of a pension certificate or a document confirming that the depositor belongs to the specified preferential category of citizens 2 more deposits in this bank upon your request | Rating: 26th place Persons No. 1751 |
| Rate per year 5.25% Deposit term 1110 days | TKB.Fixed incomeTranscapitalbank
More details Add to favorites | Rating: 46th place Persons No. 2210 |
| Rate per year 5.25% Deposit term 370 days | ClassicHousing Finance Bank
More details Add to favorites 3 more deposits in this bank upon your request | Rating: 187th place Persons No. 3138 |
| Rate per year 5.20% Deposit term 750 days | Pension depositSolidarity
Special conditions: the deposit is opened upon presentation of a pension certificate 1 more deposit in this bank upon your request | Rating: 106th place Persons No. 554 |
Interest on the deposit can be accrued at the end of the term or monthly. Monthly payment of interest implies their transfer to a separate account or bank card for each month of the agreement, from where the client can withdraw them at any time. Another option is possible, when interest will be added to the main deposit, which will increase the profitability of the deposit. This is called monthly interest capitalization. Modern banks in 2020 have convenient online services and applications where you can track all accrual statistics. To clarify all conditions, visit the bank’s official website or call toll-free.
Investment business model
The main goal of the BARIN.io project is to purchase and create websites that earn money from advertising and have positive revenue dynamics. Staff analysts carefully study each site before purchasing. At the same time, a number of criteria have been defined, compliance with which will allow the site or platform to interact with BARIN.io. Among the decisive ones:
- positive dynamics in revenue for advertising campaigns, with preference given to projects receiving income from the largest networks - Yandex and Google;
- payback of the product - if the payback indicator is more than two years, then it will not be suitable;
- technical component of the site/site, availability of modernization opportunities with minimal financial investments.
When you first study the BARIN.io strategy, you may get a contradictory impression - the company acts as an intermediary between exchanges for selling websites and investors. Such a statement should not be considered true. Here it is necessary to take into account that the purchased websites need to be found and carefully studied, then purchased (and the purchase amount can range from 5 to 100 dollars, and this is possible with the accumulation of funds from many investors), the sites are also supported and modernized by specialists BARIN.io. This approach makes it possible to increase your bottom line. Most often we are talking about growth up to 70% (from the initial 50%) by attracting additional traffic.
Interaction with site exchanges in this case is an important decision. They act as original guarantors of the integrity of transactions for the purchase and sale of websites and other projects. Thus, investors are completely protected from common risks.
Future plans
The blockchain project in question is already showing consistently good results, ahead of similar startups. The company's credibility on the international market is reinforced by the Emerging Europe Awards received in 2019, as well as its presence in the PWC (PricewaterhouseCoopers) list of recommendations. At the same time, the BARIN.io project has not yet been fully implemented at the current stage. The roadmap indicates the imminent start of monetization of mobile applications. Experts are also announcing the opening of their own exchange, thanks to which they will be able to get rid of the influence of third-party platforms.
