Portfolio for growth. How to save a child for education or housing. Endowment programs - Investing in Endowment programs What risks are included in the endowment insurance program

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In order to protect yourself from big expenses and save up for a small house somewhere on the seashore, it is not necessary to deny yourself everything and tightly sew up savings in a mattress. Sometimes it’s enough just to use personal assistants that fit in a regular smartphone. website collected 10 applications for saving, counting and increasing your income.

Zen money

A convenient tool for budget planning with SMS recognition from all the largest banks in Russia, Ukraine, Belarus and automatic creation of transactions. You can work on multiple devices - the data will be automatically synchronized. In addition, the program analyzes costs and builds forecasts. It's pretty easy to understand here.

CoinKeeper

It is very convenient for quick fixing of expenses right at the checkout. The main screen of the application is similar to a large coin holder. Income, wallets and expenses are presented as stacks. To fix the spending, it is enough to transfer a coin from a pile to a pile. In addition, the application analyzes income and expenses for different periods, helps to make forecasts and has a lot of other useful features.

Drebedengi

There are 4 concise directories in the application: expenses, incomes, movements and exchange. You can make a shopping list and then audit it: what is bought, what is not, how much is spent. The application allows you to make both short-term and long-term budget. You can plan to buy, say, a sofa, and Drebedengi will diligently count how much is left to save. The application has a multi-user mode - you can connect all family members to the system and keep track of the total budget.

Spendee

The application has a fairly minimalist functionality, so it will take no more than a couple of seconds to enter a purchase into the database. The strong-willed can look into the spending statistics section. After this, many are guaranteed to begin to refrain from unnecessary trifles, which they usually grabbed from the windows without hesitation.

Toshl is quite similar in functionality to Spendee and is more of an eye-pleasing alternative, as you will be supervised by cute Asian cartoons to keep track of expenses. Of the minuses: you can not specify several accounts, but you can separate them with tags.

Daily Budget

If you're looking to start saving money for something bigger than dining out, this app will help you pull yourself together and figure out how much you spend every day. First you need to enter your monthly income, indicate the amount of standard monthly expenses (for example, utility bills) and indicate the percentage of total income, which you want to save in a piggy bank. After a little thought, the application will give you an amount that you can safely spend during the day.

HomeMoney

Convenient and appreciated by many application for reference home bookkeeping. Allows you to record expenses, income, transfer from account to account, evaluate account balances. It is possible to view the entered information in the form of graphs - and it immediately becomes clear where the holes are in the budget.

M8 - my money. my way

AT last years various non-state funds that offer their clients insurance services, as well as savings for future pensions. Some non-state pension funds (NPFs) combine these two services - the client of the fund can both insure his life and secure a comfortable old age.

Investments in savings programs have become a popular type of investment, however, the increase in the number of NPFs makes it necessary to be careful when choosing a fund suitable for investments.

Object of investment in accumulative programs

non-state Pension Fund is a special form of organization social security. The basis of its activity is non-state pension provision depositors, which is carried out in accordance with the concluded agreements. The legal basis for the activities of such funds is the federal law No. 75-FZ of 07.05.1998 "On Non-State Pension Funds".

The essence of the work of NPFs is reduced to the accumulation of contributions, the placement of pension reserves in accordance with current legislation, as well as the distribution of income by processing payments to the fund's contributors.

Classification of investment in funded programs

Funds are transferred to the NPF on the basis of a pension agreement, upon signing which the depositor immediately chooses the pension scheme. According to this scheme, the depositor's funds will be accumulated and payments made to him.

There are several classifications of pension schemes:

• according to the methods of formation of the fund's obligations to the depositor - according to this criterion, the schemes are divided into insurance, savings and mixed.

Insurance schemes enable the contributor to receive regular pension payments upon reaching a certain age. These schemes do not provide for inheritance or transfer of rights to another person.

Savings models allow the contributor to receive a pension for a predetermined period. In the event that the depositor is no longer alive, the savings remaining in his account may be paid out to his heirs or legal successors.

Mixed schemes are a combined version of the two previous models. Broadcast property rights on such deposits is possible, most often, only during the period of accumulation of funds by the depositor.

• according to the terms of the settlements - two types of schemes are possible: with defined payments and defined contributions.
• for the accounting of pension liabilities of NPFs, investment schemes are allocated, taking into account in nominal or solidary accounts. For investors - individuals- Accounting for contributions on a personal account is provided for enterprises and legal entities- on a joint account.

Based on the results of accounting for funds in a solidary or nominal account, the pension fund forms a reserve. Most funds, in turn, invest these reserves in safe assets. Thus, the fund acts as an intermediary between its participants (depositors) and large companies, in whose assets the reserves are directed. The income received by the fund as a result of investing in assets is distributed among the accounts of depositors, which increases their future income. However, not all funds are transferred to the accounts of depositors - some of them are deducted to the manager, and are also spent on maintaining the fund and replenishing the insurance reserve of the organization.

Goals and objectives of investing in savings programs

Investments in savings programs have become popular in developed and developing countries, because they make it possible not only to “unload” the country's budget, but also to provide depositors with stable increased payments.

The essence of investing in savings programs is quite simple. The contribution itself can be conditionally divided into two stages.

The first step is fundraising. The investor regularly transfers funds to his account in the fund. The accumulation is carried out over several years, which allows you to eventually collect a fairly substantial amount.

The second stage occurs when the term of the funded program comes to an end or when the contributor reaches retirement age. From this moment, the accumulated funds begin to be paid to the depositor on a monthly basis. Most programs provide for a lifetime payment of funds.

In addition to increasing pensions, investing in funds makes it possible to receive more reliable income. insurance coverage than the one provided compulsory insurance. The funds that the investor transfers to the insurance fund are deferred with interest. The policy issued by the company to the depositor guarantees payments in case of accidents, serious illness, or payment to family members in the event of the depositor's death. This allows you to guarantee protection not only to the depositor himself, but also to his family and friends.

Methods and risks of investing in savings programs

In Russia, there are a huge number of funds in which you can invest. Most of them provide publicly available information about the profitability and reliability of the fund. For many large funds there are solid companies - Russian Railways, Lukoil, etc. The assets of such funds are securities, precious metals, real estate, etc. For investors, the benefit of working with such funds is, first of all, in receiving income above the current inflation rate.

When choosing a fund for investments, it is advisable to focus on a large organization that has proven itself in terms of profitability, reliability and literacy in managing depositors' funds. Most funds allow depositors to control their accounts online, receiving comprehensive information about the status of the account at any convenient time. For comparison, the state pension fund sends letters-reports only once a year.

In the event that for some reason the depositor is dissatisfied with the work of the fund, he can transfer his savings to another fund - before concluding an agreement, it should be clarified whether there is such a possibility. The risk in this case is that the fund may require part of the accumulated funds as compensation.

When choosing a fund, one should rely on such reliability criteria as:

• composition of the founders of the fund,
• the size of the fund's reserve,
• total fund participants,
• the amount of contributions and the amount of paid savings,
• the amount of the fund's property, which is intended to ensure its statutory activities.

The Foundation shall make publicly available all information about its financial indicators, as well as available schemes for the accumulation of funds.

The result of investing in savings programs

The most obvious result of investing in a fund is the opportunity to receive additional income, as well as a monetary "reserve" in case of unforeseen circumstances.

In addition, the funds enable depositors to open accounts in the name of children - by the time the child comes of age, a substantial amount will already be accumulated on his account, which he can spend on education, organizing a wedding or starting his own business.

Life insurance has been popular all over the world for decades. The benefits of such programs allow you to protect your loved ones from sudden expenses, for example, in case of illness, accident or death of the insured, relatives will receive financial capital, which will help not only to bury the deceased, but also to solve the financial difficulties of the family.

Today there is a standard life insurance, which is issued for a specific period. The insured, under this program, pays premiums, and in case of illness, injury or death, the trusted person receives compensation. Cumulative insurance of life is a program that allows not only to protect yourself and your family from unplanned financial losses in the event of illness or death, but also provides an opportunity to provide for your old age by increasing family capital.

Specifics of accumulative insurance

The essence of the program is that the insured person undertakes to pay contributions in a timely manner within the period specified in the contract. At the end of the specified periods, the insured person receives payments with interest (specific contributions and interest rates are negotiated), most programs insure for at least 5 years. At the end of the program, the participant can choose convenient way payouts:

• payment in a single amount immediately;
• payment in installments, the so-called Lifetime pension.

Insurance accumulative capital in Russia it is offered by private and state insurance companies. Each company offers its own conditions, so before entering into an agreement with the first company that comes across, it makes sense to find out what conditions their colleagues put forward.

As soon as the accumulative insurance policy is purchased, its action is activated. In cases where, during the validity period of the pole, the insured person becomes disabled, for example, group I, the insurance continues to operate in accordance with the stipulated conditions in the contract, but now there is no need to make contributions, Insurance Company will make their own contributions. All refunds and payments at the end of the program must be paid in 100% amount.

How is the accumulation of funds

According to the concluded contract, at the end of the program, the insured person receives a specific amount, as well as revenue side accumulated due to the investment of personal funds. The contract can be concluded not only in rubles, but also in the desired currency.

The cost of the pole, as well as the amount of the final payment, depends on many criteria:

• age;
• duration of insurance;
• amount of monthly payments.

The monthly fee is divided into 2 installments. One part goes to the guaranteed payout amount, the second part is invested and accumulated as income. If the insured person wishes to receive the main part when insured event, then the amount of savings will be less. Regular notification of the insured person about the current situation of his savings is considered mandatory.

Endowment life insurance programs are not a way to become rich, but it is a unique opportunity to save money. financial position your family, and in the event of an insured event, also receive compensation. In the most difficult cases for the family - death, relatives will receive significant financial capital. Moreover, this type of insurance allows you to save up for a child's education or for a major purchase, but most often insurance is used to ensure a decent old age.

What to do if a participant of the insurance program is faced with financial difficulties

If during the period of validity of the contract the insured person experiences unforeseen circumstances, financial difficulties that do not allow him to continue paying contributions, the contract is subject to termination, while the program participant receives the earnings earned on his investment deposits income, as well as the redemption amount.

Attention: Not all insurance companies provide payment redemption amount, i.e. the amount that the company undertakes to pay in the event of termination of the contract with the insured person.

Mandatory clauses in the insurance contract

1. A complete list of information about the relatives of the insured person, they must be indicated as beneficiaries and nothing else.
2. Contact information (address of residence, current telephone numbers, details of the parties).
3. Date of signing and duration of the contract.
4. A complete list of the discussed and agreed risks, as well as the procedure for actions in the event of accidents.
5. The selected currency in which contributions will be paid and final payment will be made at the end of the program.
6. The interest must be indicated in the program agreed upon by the insured person.
7. The procedure for terminating the contract in the event of financial difficulties.

If at least 1 of the above items is missing in the contract, then before signing, you need to make sure that the insurance company is serious.

In addition, the insurer and the insured person must sign the contract, and after that the company must put a wet seal. The program participant must obtain an insurance policy confirming the successful conclusion of the contract.

Medical examination when applying for endowment life insurance

Before the insurance company agrees to conclude a contract for participation in the funded program, the applicant will have to undergo a full medical examination. No one can say how long it will take to receive the test results, so if you plan to join the program at a certain time, you should start filling out documents, including undergoing a medical examination, in advance.

For example, at the age of 25, a person wants to become a member of a funded insurance program lasting 5 years. In order to receive a large payment at the age of 30, you need to apply to insurers at least 2-3 months in advance.

Sometimes, after passing a medical examination, the insurance company is forced to refuse the accumulative program. The following factors may serve as reasons for refusal:

1. Oncological diseases, including the presence of malignant tumors in the body of the applicant.
2. Severe diabetes mellitus disease.
3. The presence of mental disorders and hereditary diseases.
4. The presence of diseases of the cardiovascular system.

What risks are included in the endowment insurance program

Each company can set its own criteria and its own list of risks in relation to the insured person, but in most cases the risks taken into account are the same, they include:

1. Death of the insured program participant (due to illness or accident).
2. The emergence of legal capacity due to serious illness.
3. Injury or accident resulting in temporary disability.
4. Disability due to accident or illness.

Significant benefits of endowment insurance

The main advantages of insurance are:

• financial protection and independence in the event of unforeseen circumstances;
• the accumulative system allows you to gain material stability in the near future, allows you to purchase long-awaited purchases;
• thanks to annual indexation, the company protects the savings of the insured against inflation;
• this program allows Russian citizens to act as investors;
• when considering risks, the widest possible limits are stipulated under which the insured person may suffer to one degree or another;
• the insurer regularly makes accruals interest rate according to the terms of the contract;
• if an insured event occurs, the insurer pays the entire amount, as well as the accrued interest, to the relatives specified in the contract;
• the insurance premium is not taxed.

The most popular endowment insurance programs

Endowment insurance programs are divided into several categories:

Today large companies offer the Russians profitable programs accumulative insurance. Some of the most successful and sought-after insurers in Russia this year are:

• "Alfa Bank" offers profitable children's and pension savings programs;
• "Renaissance Life" concludes 40% of transactions in the Russian insurance market;
• "Russian standard" offers decent insurance conditions, the insurer concludes more than 12% of transactions in the domestic market;

When choosing a program for endowment insurance, you need to pay attention Special attention for deaths and accidents.

Particularly noteworthy are programs from Sberbank, which allow you to save a certain amount by the desired date, as well as insure your life and receive decent financial assistance in the event of a first accident. The insurer offers to collect targeted children's capital, maintain and increase the family financial situation thanks to favorable conditions and program benefits. Important is the fact that the amount invested in the insurance program is not subject to collection, taxation or confiscation, and is also not jointly acquired property if the couple decided to divorce. Upon the death of the insured person, relatives will be able to receive financial assistance after a calendar month, in contrast to the registration of an inheritance that stretches for six months.

All details about this program - "Cumulative life insurance": what is it, what conditions are offered, the amount of payments and the duration of the program must be found out before concluding an agreement.

Services for monitoring personal finances are created to help users keep track of income and expenses, remind them of the dates of current payments ( utilities, internet, loans, etc.). At the same time, these applications can be called educational, they allow you to set aside money by a certain date, form and adjust the family budget.

Pay off your debts with Moneywiz 2

This elegant and powerful application will easily bring all your bills, budgets and payments together. It also provides functionality such as internet banking and synchronization between all devices.

Moneywiz will help you get out of the "debt hole" because it will carefully analyze the financial situation of the user and identify the most vulnerable spots. Thus, the client will be able to optimize costs and, gradually paying off debts, completely get rid of them. Also, Moneywiz will notify you in time about the need to pay the bill, distribute cash so that you do not exceed the limit.

Users rated this application 4.2 points. Paid content can be purchased for 329 rubles.

Finance PM - "money catcher"

The unique and easy-to-use Finance PM service will allow customers to manage their money quickly and wisely. By controlling expenses, you can reduce them, and, accordingly, save up a decent amount of money for a useful and often inaccessible future purchase.

For example, together with Finance PM you will be able to calculate how many TV channels you really watch, and, having estimated the size of the overpayment, you can easily and without much regret switch to a budget package or free Internet TV. Savings - a thousand monthly. And if you stop spending money on coffee in a cafe, because at home the drink turns out to be both tastier and more aromatic, and what is especially nice - many times cheaper, then you will save up to 4 thousand rubles a month.

Also, using Finance PM, you can manage any number of wallets in different currencies, make changes and customize widgets for frequently performed operations, you can import and export data.

25.5 thousand users rated the application at 4.6 points.

Save 400 rubles per month with Dr. Tariff

Brilliant App Dr. Tariff, having studied the statistics of your telephone conversations and Internet traffic, will select the best tariff plan and free additional options. On average, the client will save 400 rubles per month.

Now you can prove that money was illegally deducted from your account mobile phone. Operators cellular communication it will no longer be possible to connect paid options and services to your number. After all, the Dr. Tariff will immediately detect any changes on your tariff plan which will notify you immediately. By learning how to manage bonuses, the user will be able to successfully save significant sums. For example, when going abroad, feel free to use the tips of Dr. tariff. So you will not spend extra on roaming and Wi-Fi. Also, using Dr. Tariff, you can automatically top up your mobile phone balance.

34.5 thousand people rated this application at 4.5 points.

Kopikot will return part of the money

Kopikot will give you a share of the money spent on purchases in your favorite online stores. After all, retail chains that you access through Kopikot applications pay services for new customers and a wide reach of the target audience. Kopikot will gladly refund your money so that you can purchase even more quality products at favorable prices. Also in Kopikot you will always find discounts and free promotional codes from your favorite stores. Experienced users manage to save up to 90% of the cost of goods in this way.

Piggy bank 2.0

The main idea behind this cozy app is planning. You will be able to distribute your income according to certain categories, for example, food, clothing, housing and communal services, entertainment, and “sort” them into “virtual wallets”. Each of them has its own limit, which is not recommended to be exceeded. Knowing how much and what you can spend on a daily basis will help you control your spending and strive to cut it down. Gradually, you will learn to set aside savings without particularly limiting yourself in anything, but only by optimizing expenses and reducing them in those segments where it is not even noticeable. It will be very useful and pleasant, say, for a vacation or a holiday, to receive an additional substantial amount.