interested in the question, Is it possible to make their own complex deposit, to make more. The bank offers. This question is more carefully understand.
Complex deposit decided to establish the following products:
- Deposit, open a bank
- Contract gold
- The amount of available funds: 5000000 rubles.
During settlement, you may encounter a problem: data on changes in the gold rate for a certain period, which is analyzed, not so difficult, but as data on deposits, they get harder. To solve the problem as follows: in order to calculate the interest rate on deposits, You can use the refinancing rate, But the decline in the 0,5%.
Table dynamics estimated rate of deposit, depending on the refinancing rate of 2006-2012 year.
| 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | |
| Refinancing rate,% | 12 | 11 | 10 | 13 | 8,75 | 7,75 | 8 |
| The estimated interest rate on deposits, % | 11,5 | 10,5 | 9,5 | 12,5 | 8,25 | 7,25 | 7,5 |
The dynamics of the gold price changes 2006 by 2012
| 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 1012 | |
| The price of gold, $ oz | 532 | 518 | 694 | 817 | 1071 | 1375 | 1667 |
investment strategy is to choose as a fairly conservative, since losing capital, who already have, not included in the current plan. So the share of investments in assets, It is risky, It should be equal income, bank deposit.
Based on the interest on bank deposits, The following structure is obtained:
| 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | |
| The share of investments in bank deposit | 88,50% | 89,50% | 90,50% | 87,50; | 91,75% | 92,75% | 92,50% |
| The share of investments in gold | 11,50% | 10,50% | 9,50% | 12,50% | 8,25% | 7,25% | 7,50% |
| in total | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | |
| Deposit thousand. rub. | 4 425 | 4 475 | 4 252 | 4 375 | 4 588 | 4 638 | 4 625 |
| thousand gold. rub. | 575 | 525 | 475 | 625 | 413 | 363 | 375 |
| Total '. rub. | 5000 | 5000 | 5000 | 5000 | 5000 | 5000 | 5000 |
The yield on bank deposits and the contract on gold:
| 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | |
| The estimated rate of deposit | 11,5% | 10,5% | 9,5% | 12,5% | 8,25% | 7,25% | 7,5% |
| The change in the gold price | -3% | 34% | 18% | 31% | 28% | 21% | n / d |
Calculation of profitability for structured deposit: Deposit + gold
| 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | |
| Deposit, thousand. rub. | 4 425 | 4 475 | 4 525 | 4 375 | 4 588 | 4 638 |
| Income, % | 509 | 470 | 430 | 547 | 378 | 336 |
| Gold, thousand. rub. | 575 | 525 | 475 | 625 | 413 | 363 |
| Income, % | -17 | 179 | 86 | 194 | 116 | 76 |
| Total income, thousand. rub. | 428 | 648 | 515 | 741 | 494 | 412 |
And now it is worth comparing the yield on ordinary bank deposits and structured deposits:
| 2006 | 2007 | 2008 | 2010 | 2011 | 2012 | |
| Income on ordinary deposit, thousand. rub. | 575 | 525 | 475 | 625 | 413 | 363 |
| Income from structured deposit, thousand. rub. | 492 | 648 | 515 | 741 | 494 | 412 |
| Difference, thousand. rub. | -83 | 123 | 40 | 116 | 81 | 50 |
Eventually, obtained, what, average, yield on the structural balance for 6 years is 11%, Regular - 9,9%. But these results are only, when applied conservative strategy. Conservative strategy involves the risk of loss of capital, which reduces to zero. If the risk increases share, the yield also increases. for example, If the risk is 10%, earnings will be 12%.
In this way, the difference between the bank deposit and structural, which was made independently, is reduced to one percent. There is an opinion, that the compilation of structured deposits are best left to a professional, as it is quite hard procedure and not everyone's strength.
Useful tips on structured deposits
