Cash vault. Where is money stored in a bazi card or what is a vault. Is it worth keeping in foreign currency
1 year warranty
Price: from 150,000 R.
Device
- Security door.
- Lattice door.
- Protective panel.
- Bank cells.
We provide a full range of services
RPK-ORION LLC specializes in the design, production and installation of armored structures. Our employees carry out the installation of turnkey storage facilities, which guarantees the completion of work in the shortest possible time and in strict accordance with the requirements of GOST. All installation work is carried out by specialists who have undergone long-term training.
What is a store of value?
This term refers to a specially equipped room intended for storage material values... The storage facilities are operated by state and commercial organizations... In accordance with the requirements of the Central Bank of the Russian Federation, the premises must meet at least class 2 burglary resistance. Cash vaults are manufactured in accordance with GOST R 50862.
Storage device
The premise has a prefabricated structure and consists of the following elements:
- armored panels;
- an armored door made in a single block with a lattice door.
The turnkey construction of a storage facility provides for the assembly of wall structures and ceilings using armored panels. The connection of the elements is welded. This method of manufacturing bank vaults is a world standard and allows you to minimize the cost of building a turnkey facility without compromising security. The prefabricated structure makes it possible, if necessary, to carry out dismantling with subsequent assembly in another place.
A certified storage of valuables, built in accordance with GOST and in accordance with the requirements of the Central Bank, must have a 2-7 class of burglary resistance and be equipped with a pair of high-security safe locks. For locking, a steering and transom system is used, which is characterized by maximum reliability and safety. Additional protection of the bank vault of valuables is provided by a lattice door welded from reinforcing wire with a diameter of 16 millimeters and having a cell size of 150x150 millimeters.
By agreement with the customer, additional equipment can be installed in the room. It is also possible to equip the valuables store with security systems.
The room is powder coated. All colors from the RAL catalog are available.
Production of turnkey storage facilities by RPK-ORION specialists
The company's employees have many years of experience in the design, manufacture and installation of protected premises. Our products are certified and are widely used as storage facilities for a variety of customers, including banking and others. financial institutions as well as the largest trade enterprises... Products have a certificate of conformity and are supplied with a complete set of documentation.
To buy a turnkey store of valuables, contact the office of RPK-ORION LLC in any of the ways listed at the bottom of the page. Our experts will help you choose a room with the optimal configuration and answer questions about the cost and timing of production and installation. You can buy storage by reasonable price- this is due to the implementation of turnkey works without the involvement of third-party specialists.
cash vault
Alternative descriptions... (bank) a low parapet in a defensive structure that does not have gaps for shooting by defenders who have to fire over the banquet
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Hello! In this article, we'll talk about how and where to keep money.
Today you will find out:
- How to preserve and preserve your savings;
- What banks offer profitable terms for storage;
- Is it worth keeping money at home?
Keeping savings in the bank
If a person or a family has some major purchase, vacation or payment for the education of children in their plans, it turns out that the money should be safe for a long period. In such a situation, part of the funds can be left at home, and the rest can be deposited in a bank. Most often, it is recommended to open a deposit.
Let's see what the expert community advises us on this matter:
- This storage method will not allow you to spend all the accumulated money;
- Thanks to the deposit, the funds are protected from the effects of inflation;
- The risk of losing money is minimal. For example, if the amount of your savings is or exceeds 700,000 rubles, then it is better to divide them in half and place them in different banking organizations. But before that, you need to make sure that the selected bank is logged into the system. state insurance deposits.
Now let's decide which type of deposit to choose. This will depend on what operations will be performed on this deposit. For example, if you open a classic type deposit, you will not be able to replenish your account. It will not be possible to withdraw money from open account, that is, for the entire opening period, you will have to forget about these funds. But it is precisely such a deposit that brings the maximum income to its owner.
The second most popular deposit is a long-term deposit with the possibility of replenishment. Their main advantage is a higher level of profitability and a fixed bank interest rate for the entire term of the deposit.
Which bank is better to keep money: a brief overview
- Sberbank... Offers various deposits, several ways to open them (including without leaving home), the amount of funds invested can be replenished. And also as a bonus, get profitable offer for registration of mortgage and consumer loans. The bank has been working steadily on the market for many years, has experienced more than one economic crisis in the country and withstood.
- Tinkoff. In this bank, you can not only replenish your deposit on a monthly basis, but also partially withdraw funds at any time convenient for the client. You can even get them through the Russian Post service.
- VTB 24. Let's make a reservation right away: to open a deposit here, the amount must be at least 100,000 rubles. You can also replenish and partially withdraw funds. Loyalty programs are provided for regular customers.
- Alfa Bank. A large banking organization with a large number of branches in different cities. As for deposits for individuals, the amount for the first installment is small (10,000 rubles). Interest is accrued mainly at the end of the deposit period.
- Sovcombank. If you open a deposit online, the client receives certain bonuses. In addition, the first installment for a deposit can be split into multiple payments. All deposits can be replenished, as well as partially withdrawn funds.
Be sure to read the terms of the above and other banks for. Maintain and increase your savings by opening deposits - convenient way save up for a large purchase, pay for the education of children, and also get, if not gigantic, but income.
Keeping savings in a safe deposit box
Many people, fearing surges in exchange rates, given the tensions in the geopolitical sphere, withdraw their savings from banks and prefer keeping them in safe deposit boxes. To what extent this method can be considered effective and safe, we will talk further.
Bank cells, according to the bank employees themselves, are increasingly in demand among the population. Some wealthy clients of banking organizations carry out the closing of deposits, and put money or valuables in safe deposit boxes.
An additional motive for such storage is the desire to increase security measures in case any restrictions are imposed on the circulation of funds in foreign currency.
As far as the issue of security is concerned, the situation here is twofold.
Example... Citizen O. sold his apartment. In the bank, he was supposed to receive funds in the amount of 25 million rubles, which the buyer pledged in a safe deposit box. After visiting the bank's office to collect the money, it was discovered that all funds had disappeared, and the cell remained empty. The shock of citizen O. is probably even difficult to imagine.
On this fact, the citizen turned to the police, where a criminal case was initiated. During the investigation, it was established that the cell had been opened with a professional lockpick. It turned out that such a case is far from the first. Bank employees, of course, kept silent about this fact.
The banking organization did not admit its guilt in this situation, the case went to court. Moreover, the court took the side of the bank. Everything ended in favor of citizen O., he managed to get the money back. But how much time and nerves did it cost. As a result, the bank's license was revoked.
What can this example teach? First of all, the fact that a safe deposit box is not the safest option for storing funds. Secondly, it is necessary to read the agreement with the bank very carefully and pay attention to whether the bank is responsible for the contents of the cell.
Keeping savings in gold
Money is an unstable value. , you save up and in an instant you can lose. A bank deposit, although it can compensate for inflation, will not give a serious increase in capital. Therefore, people often choose to keep funds in gold, as this will help not only preserve their savings, but also increase them.
Gold is the most popular of the precious metals, moreover, its value is constantly increasing. Analysts believe that the upward trend will continue in the future. You can invest in gold without fear, since it is not subject to depreciation and will not be eaten by inflation.
Despite the difficult situation in the economy of the state, we can say the following: Everything is going away and the situation will gradually return to normal, and prices for precious metals will only grow. This means that the investor not only does not lose anything, but also receives a significant profit.
Keeping savings in securities
This method is not only a storage method, but also an option for increasing funds. Another thing is that this is subject to serious risks. Over time, bonds and other types of securities can lose significantly in value due to inflation or other adverse economic events.
Securities include:
- Shares of various companies;
- Promissory notes;
- Bonds;
- Property documents, as well as insurance.
When storing funds in promotions, the investor, as it were, participates in the activities of a particular organization. That is, he has the right to acquire part of the property of this organization.
Promissory note- the most profitable type of securities. Income from promissory notes is formed from the difference between the price at the date of their purchase and the amount at the date of maturity. Bills can be cashed early, in any banking organization... In this case, until the moment of redemption, the bank itself becomes the holder of the bill.
We can say that keeping funds in securities is an long-term investment... If you carry out such storage with the correct and reasonable approach, then investing in securities brings good returns.
Investment in real estate
Real estate is rightfully considered a less risky investment option. Another thing is that not all citizens can afford such an investment. A rather serious amount of savings is needed here. Let's assume that there is such a sum. What to do next?
- The easiest way to get income from real estate is to buy an apartment and rent it out. For example, housing whose area is small, but it is located in a promising area of the city. The demand for such housing is consistently high. The risks here are that tenants can damage furniture and other property.
- and then sold. The risk is that the developer may simply not complete the work, disappearing along with the money of the equity holders.
- Purchase a commercial property and rent it out. But the object must be located in such a place that it is the most profitable for the tenants.
On the other hand, there are a number of drawbacks here:
- Low liquidity. If money is needed urgently, and this is a matter of time, often a long period;
- A large amount of funds for investment;
- Property maintenance costs;
- Complete loss of an object in the event of force majeure (fire or other force majeure circumstances);
- Opportunity to purchase real estate, the legal purity of which is in question.
Drawing a conclusion, we can say that it is beneficial if there is large amount savings and if the investor is ready to withdraw money quickly.
Investment of accumulated funds in antiques
Investing in antiques and various collectibles is becoming very common as modern people gradually realize the value of these items. The advantages of such an investment are that antiques are constantly growing in price, some increase this figure up to 40% per year.
In order to make this investment, you need to have certain knowledge in this area. There is a high risk of acquiring fakes, which can then simply be thrown away, which means that you will be left without funds at all.
Thus, this type of storage of funds is not suitable for everyone.
Investing in diamonds
Precious stones are traditionally referred to as the so-called eternal values. Diamonds are considered synonymous with stability and profitability. Over the past 10-15 years, their prices have increased by 60%. But as a means short-term investment you won't be able to use diamonds. It will take several years before the break-even level is reached.
Experts believe that investing in diamonds is quite controversial issue, but as an option for storing funds - a suitable tool.
Most likely, you will not be able to make fabulous amounts of money on diamonds, although exceptions are possible.
What can you say in the end? This area of investment can be considered unsteady, only large diamonds are growing in price, but this growth is difficult to predict. But keeping your capital in the form of diamonds is safe and convenient.
Storage of funds in electronic currencies
A very popular type of money storage. To open an electronic wallet, you just need to go through a simple registration procedure.
pros
- Fast replenishment of the wallet;
- The ability to quickly withdraw;
- Transfer to any currency;
- Payment for purchases in a few minutes.
Minuses
- Not everyone knows that there are e-wallet systems;
- The possibility of hacking and theft of funds;
- The presence of a commission for the implementation of operations.
Keeping savings at home
This is the easiest way that has been invented by humanity. In this case, the money is always close to its owner, usually in a safe or hiding place. And, it is quite possible that under the pillow, it is as you like.
Of course, large sum storing in this way is not only unreliable, but also dangerous. Thieves, inflation are factors that often encroach on savings kept at home. And also there is always a temptation to spend money, access to which is open.
When it comes to this storage method, it must be borne in mind that financial position each person is different: someone has a larger amount of savings, someone has little savings. To draw conclusions on this part of our conversation, consider the opinions of experts.
The amount that can be safely stored at home should not exceed 3 wages. In this case, if a person suddenly loses his job, he will be able to live on this amount until he finds a new one. If suddenly there are unplanned expenses, this amount most often also covers them.
If a person has a family, then the amount of his savings will depend not only on him. This will be influenced by the income of the second half, the presence of children, the composition of the family and, in general, how much the family spends each month. Although, in general, the calculation is made similarly to the first paragraph, that is, the amount of savings should be such that, in the event of force majeure, the family can live for 3 months without needing anything.
Keeping funds in a mutual fund (mutual investment fund)
According to experts, this way although it does not guarantee a specific amount of profit that you will receive, at the same time it is one of the most reliable and highly profitable ways to preserve your savings. The shareholder makes a profit based on equity participation in the implementation of investments in mutual fund assets.
Keeping funds on profitable debit cards
Some banks offer their clients to receive debit card, the benefit of which is that interest is accrued on the account balance, and a refund is made for any purchases (up to 30%). In addition, on such a card, you can open a deposit, and at the same time use the funds at any time.
Conclusion
Summing up, I would like to note that, according to analysts, the most convenient and safe way to store funds is to structure them. That is, the existing amount of money must be divided into several parts and in relation to each use its own financial instrument... For example: open a deposit for a certain amount, invest another part in gold, and buy diamonds for a third (as an option).
Structuring will help save your money from serious losses, preserve it and even increase it.
If you have a question about where to keep money, it means that you are a person who has already learned how to earn it and manage it wisely. This means that you have already learned one of the main rules of a successful investor - spend less than you earn. It is then that you can set aside the remaining money for storage and even to increase it.
Of course, our modern time makes its own adjustments: now a crisis, then the bank collapses and declares itself bankrupt, then inflation, then something else. But keeping money at home in a stocking or glass jar is also not an option - even the most modern systems protection.
What to do in such an environment and how to do it in such a way as to preserve the savings and, at the same time, not worry about their safety.
Where to keep money
We keep at home
Positive points: money is always at hand and we can do relaxation and periodically recalculate them, like the Plyushkins. If banks suddenly all go bankrupt, this does not concern you - your money is at home, safe and sound.
Negative points: home storage of funds, involves glass jars, stockings, under the carpet, in the freezer, in a flower pot, in jam or in your favorite pickles, in a toilet cistern, etc. In these options, if you are visited by uninvited guests who are quite cunning and shrewd today, you will be left without cucumbers and without money.
What to do: buy a high-quality and durable safe, with several levels of protection, preferably built into the wall and reinforced with concrete.
We store in a bank deposit
For those who are ready to take partial risks and know how to analyze the situation in the banking market, this method will seem the most optimal.
Positive sides: if you put money on a deposit, then they no longer just lie in a safe place, but also "work" - they bring you profit in the form of interest, which are charged on the amount of the deposit. If the money is in a simple account, you can control your expenses and not worry about being stolen from you.
Negative points: sometimes banking institutions stop their work and your savings and deposits simply disappear and it is very, very problematic to get them back and get compensation, at least in our country. Do not forget that if you have an urgent need for Money ah, you will not be able to withdraw them from the deposit account when you need or receive minimum interest by deposit.
We store in accumulative insurance programs
Positive sides: cumulative insurance programs- one of the most reliable tools for long-term storage of money with the simultaneous ability to protect against risks associated with the life and health of the depositor.
Negative points: such programs usually open for 10-15-20 years or more, and when early termination there are significant penalties. The profitability of such programs is relatively low, but guaranteed.
We store in a bank account
Opening a current account with a banking institution is the easiest way to store money. Differs from bank deposit its liquidity - you can withdraw at any time the required amount, transfer your funds and pay for purchases as needed.
Positive points: if you suddenly lose your card or it is stolen, you can block it and make a new one within 30 minutes, your money will not be lost from your account.
When you deposit funds into your account, you can open a multi-currency type of deposit and thus protect yourself from constant currency fluctuations in the market. All banks provide the opportunity to open not one, but several accounts, which will help you to have with you both a savings card and a card intended for daily spending. On such cards, you can install automatic recharge from wages and other payments.
Negative points: bank bankruptcy risk; the risk of bank liquidity problems; the rise interest rate and it will become unprofitable for you to use open accounts.
As an option - keeping money in foreign banks which are more stable and always fulfill their obligations to depositors in the event of their bankruptcy or other unforeseen situation.
From the list of domestic banks, choose those that have a long term of activity, a positive reputation, and not with reviews on the official website of a banking institution, but with live comments that your friends and acquaintances can give. The criterion for choosing a bank is its investors, among which there should be well-known names of European banks, with branches in many countries of the world. Do not forget that our cunning businessmen open banks in other countries and invest themselves. More about the criteria for choosing banking institutions
We store in precious metals
This is one of the most effective and ancient ways of storing your funds, which protects against all kinds of inflation, crises both within the country itself and in the world market.
Positive points: precious metals are constantly increasing in price, and you are completely protected from all sorts of surprises.
Negative points: such storage of funds has an effect only when calculating for a long period and if it is necessary to receive funds, it will still be necessary to resolve the issue of selling gold and obtaining the most optimal and profitable value. The second aspect that arises when transferring money to gold is the question of where to store bullions, which require careful attention and special conditions storage (dents, scratches on the surface of the ingot significantly reduce its cost).
Safe deposit box
Today, each bank provides similar services, and they have become quite popular, although they have both positive and negative sides.
Positive points: the client is provided with a cell on required time; in a banking institution, the security system is organized at the highest level and there is no need to worry about the safety of money. Let's add here the complete anonymity that banks adhere to.
Negative points: the client has an extra item of expenses - to pay for the rent of the cell. If you can check your home safe at any time, then access to safe deposit box limited and, for example, at night, if you have a dream that you were robbed, you will not be able to visit the bank, and you will worry until the morning until the institution opens.
Choose reliable bank with a positive reputation and famous investors that guarantee the stability of its work. Be sure to sign an insurance contract for the contents of your safe deposit box.
We store in electronic currency
Today it has become quite popular to store money in electronic currencies and wallets, and in principle, this can be understood, because stealing such savings from you is very, very problematic, tk. in the system of protection and security in this case, several countries are involved and international companies... To open online wallet just go through a simple registration and choose the currencies that you prefer.
Positive points: you can quickly put money on an electronic wallet and just as quickly withdraw it, transfer it to any currency. With the help of an electronic wallet, you can pay for any purchases without leaving your home within a few minutes.
Negative points: many public and private structures, from time to time try to receive income from such electronic systems, especially in our country. Therefore, you must be prepared for all sorts of unpleasant situations, such as closed access to an electronic wallet, an increase in commission for operations, dependence on fluctuations foreign exchange market and not so widespread (many people simply do not know about the existence of such systems, and you will not be able to do business with them), etc.
Safekeeping in securities
Today there is a certain category of people who do not trust either banks or investing in precious metals, and are not attracted to them by real estate (it may burn out). Therefore, they use such an option as investing in securities - bills of exchange, stocks, mortgages and bonds.
Positive points: savings will not be lost - they are protected by the property of the company; if the deal of the company you purchased is successful, you can make a good profit.
Negative points: the stock may not rise in value and you will not make any profit. If you own a small fraction of the shares with which you cannot influence the decision of the shareholders, you depend on all decisions of the board of shareholders and on their methods of conducting transactions, which do not always give positive and desired results. Don't be discounted and big risks, which are always present on the securities market and they can depreciate at one point.
Keeping money in high-value purchases
This way of keeping your money includes buying real estate, cars, jewelry, land plot... Old, popular and pretty profitable way.
Positive points: the acquired apartment can be used as a way to earn money - to rent it out. If you have invested in commercial real estate, here is the same profit, and if something happens, both the apartment and the commercial premises can be profitably sold and get not only your own funds, but also profit.
As for the land plot, a lot of options are possible. For example: build a hotel, restaurant, recreation center or camping on it and make money. And you can again, as indicated above, lease the plot.
As for investing in a car, it can also bring you a good income, for which in the future, you will buy more than one car.
Jewelry, just like precious metals, is always in price, so this is a profitable way to store money, but only if you can organize the safety of storage of these jewelry.
Negative points: real estate prices may drop significantly; significant amounts of money are required to purchase expensive purchases; in most cases such investments are poorly liquid. The car can break down, it gets stolen, you get into an accident before you insure it. And investing in jewelry is much more efficient for a long shelf life.
This method of storing money is suitable for those people who closely monitor all fluctuations in the foreign exchange market, know how to analyze its condition and the position of the economy in the country and on the world market.
Positive sides: by placing funds in different foreign currency accounts, you can profit from rate fluctuations. By choosing the most stable currency on the world market, you do not have to worry about its rate going down.
Negative points: currency fluctuations today are so unpredictable that people who are only the most knowledgeable in all the nuances of the market can play this roulette.
Practice shows that when choosing a place and method for storing your funds, you should stop at not one, but several options - to diversify risks and distribute money between such “vaults”.
In the event that the securities market collapses or the bank, with its perfect security system, is robbed, you still have savings that will help you achieve your desired goals, as well as stay afloat for a certain time.
If you are constantly afraid of crises, bank failures and inflation, then you can generally be left without money. Indeed, in this case, you will begin to lay them in packs under the mattress, and you can be robbed. And if you don’t keep money at all, then you yourself will eat it completely and faster than any inflation. And then you can forget about the desired apartment, car, passive income, decent education for children, secure old age and many other benefits that require significant amounts of money.
If the available funds allow you to purchase real estate and other assets, then it is better to distribute your investment portfolio in different directions. You can successfully combine the storage of money in real estate, storage in securities and in precious metals, storage in pension savings programs, on bank account or in a cell:
- Real estate can bring stable and long income(long-term investment of money with profit);
- Securities (for example, stocks) can generate income in the form of dividends, they can also be sold and earned on the difference (a deposit with a profit with the possibility of partial or full sale);
- Pension accumulative programs allow you to gradually accumulate capital small amounts and provide your family with reliable protection (long-term storage with the highest return guarantees);
- A bank account allows you to constantly monitor expenses and savings, you can quickly withdraw the required amount (quick access);
- A bank safe as the most secure storage option and the ability to receive money at any time (quick access).
Thus, this simultaneous storage gives you a lot of opportunities to receive different types income, use your funds, and at the same time, your money is safely stored and you are calm about their safety.
If you prefer to keep money only in banks, we recommend diversifying your deposits both by currencies and by the banks themselves. For example:
- We put 25% on a dollar account;
- We put 25% on the account in national currency;
- We invest 25% in precious metals;
- We put 25% on the euro account.
It turns out that all the "eggs" are laid out in different baskets and if something happens, you will not lose anything. Maybe you will lose somewhere, but according to all laws, you will win somewhere. There is a risk that you will not be able to earn anything, but there will be no losses either.
A thorough analysis of all methods of storing money, the right approach and a normal desire not only to save your funds, but also to increase them, will help you get an answer to the question of where to keep money so as not to worry that it will disappear or become worthless.