Do you have money in a savings account at one of the big banks are in the present situation is not likely that you will be rich. If you also do not want to tie up your money for a longer period, it is virtually impossible. For example, SEB offers a maximum 0.45 percent fixed interest rate for one-year savings in the bank’s investment account. Savers are upset about the low interest rates, said Claes Hemberg at Avanza Bank.
– Especially our older savers. They have been featured on interest rates of 8 percent, and in comparison with it is it’s shamefully low interest rates right now.
Swedbank looks even darker. There, they offered the most 0.10 percent in interest on borrowed funds in the bank’s savings account. But then you have to save at least 50 000. If you want to lock up the money offered to 0.30 percent in savings rates, but even there the required minimum of 50 000 in borrowed funds.
Best savings rates may be in the current situation on SBAB offering 1.40 per cent savings interest from the first crown. Nordea is not far behind, offering 1.30 percent interest rate with a one-year term. However, it is required to invest at least 10 000 in the savings account. Handelsbanken seek the golden mean, and offers 0.75 per cent on its future account where you save on a range between 1 and 10 years. But to unlock the money in savings accounts is now among the worst you can do, according Hemberg.
– Interest rates will remain low for quite some time to come, so we must not think that this is only temporary for the it is not. I think you should think about whether there is any other form of savings you can feel comfortable. You can for example put in a short term högräntefond, it gives 3-4 per cent and it’s not heavenly figures either, but it is still better.
The highest savings account interest rate which are covered by deposit insurance can be found right now at Svea Direct, an affiliate of the credit market company Svea Ekonomi AB. The reason that Svea Ekonomi can offer such a high savings rate seems to be in the company’s other activities involving the collection agency in several countries in Europe. But even Svea Direct has been forced to lower their deposit rates. As of August 25 is the variable deposit rate at 1.80 percent for savings accounts and 2.10 percent on the capital account.
If you choose to look at companies that are not covered by the government’s deposit can however find several accounts that offer significantly higher interest rates. The highest deposit rate will be today at Swespar, 4Trails and 24 Money, where you can save up to 50 000 at an interest rate of 10 percent. Because the companies are not covered by deposit insurance, it is considered as a risky investment.
– The easiest Council one can give is that you should choose an account with insert warranty. Interest may not be important in that case. Secondly, you should look for good interest rates, today is the probably around 1.5 to 2 percent, says Claes Hemberg.
Akelius Spar is a another company without deposit insurance and offers in the current situation a maximum interest rate of 5 per cent for deposits of up to 50 000. Akelius is basically a real estate company and the borrowed capital will go to the owner company Akelius Residentials expansion, ie, real estate projects. If you choose to save in Akelius get priority access to rental units in the company’s portfolio. The company counts as a low-risk option of Upplysningscentralen that gives the company the highest credit rating. But even if the risk looks low out, be careful, says Hemberg.
– The vast majority of accounts that are not covered by warranty are ruff-sponsored by the simple fact that interest rates are something we use when we want to use money in the near future. When you can not afford to get rid of the money. It does not matter if they invest safely, if they do not have deposit insurance, it is not relevant.
• Want to know more about deposit insurance? Click here.
No comments:
Post a Comment