the Resort was selling securities, six – and dwunastoletnie. Buying them could only beneficiaries of the program payments additions to investment amount may not exceed the amount that was paid to the packages. These are just a few Parking spaces specifically marked the Ministry of Finance explains the weak results. Deputy Finance Minister Piotr Nowak believes that sales will grow each month, because it will increase the pool of funds paid out 500 plus.
- we Assume that the demand for these tools will reveal gradually what we are seeing in the first week of November, which was acquired clearly more family bonds than in the same period of October – evaluates the Deputy Minister Novak.
MF hoped that in the interest bonds 500 plus any redemption of securities, which took place in October. Customers had to settle almost 900 million rubles, which resort gave them for the securities sold in November 2015. in General, bonds, retail managed to sell over 870 million UAH, and this is the best result this year. So much that most of those that were on the market I wanted to buy a standard two-year bonds.
from somewhere low interest bonds 500 plus? The first answer that suggests itself: those who receive benefits for children, most of them spend on current needs. Research from TNS, commissioned by the Association of Polish Banks shows that more than a third received supplements is not going to save them a dime.
About 16 percent. not able to say that these will make money. The poles seem to be 500 plus on their children’s education and daily expenses, the third place-it is also protecting your health. Similar results shown in other studies, for example, Institute for Economic Development SGH. According to one report IRG devoted to the market of financial services for consumers, the most important need zaspokajaną program Family 500 plus is a purchase of food and clothing that was chosen almost 43 percent. those asked. On the second and third payments for kindergarten and those associated with learning in school (34.2 per cent). and additional education and classes for children.
add-Ons also help oddłużać families. Although there is no solid evidence, only circumstantial. Last November’s report IRG SGH Consumer Credit market indicates a clear improvement of the so-called payment morality in households, that is, the quality of their repayment obligations. The group of those who claim that he did not have any debt rose from 74.8 percent. in the middle of the year to 79.5 per cent. at the present time. And this is the highest value in more than ten years of history to ask this question. Significantly decreased also the group of those that have a small delay in payments. Three months ago, it was almost 23 per cent, now less than 17%. We need, however, to draw attention to the fact that someone was already in the noose of debts, this benefits for children are of little help to him. Almost 4 percent. respondents in the survey IRG SGH claims that discharged its obligations with big problems. This is more than before (2.6 per cent), although well below t he five-year average (7%).
Although most of the money from the program, the Family goes to 500 plus costs and debt repayment, but this does not mean that nobody saves. Deposition, at least part of said 17 percent. of those polled by IRG SGH, also part of those surveyed by TNS said that he was pleased something will save. Most can spend zaskórniaki not more than half of the add-ons. But every tenth Respondent TNS claims you can save 80 to 100 percent. your advantage. However, even if someone wants their 500 plus procrastinate, it most likely are not in bonds, such as those offered in October by the Ministry of Finance.
Is the question of motivation that guides people in making decisions about savings. More because about 36 percent. investors postponed “just in case” and “rainy day”. This means that they want to have money on hand in the event that be able to freely dispose of them. Therefore, the lion’s share of Polish private savings is cash and money held on ordinary Bank accounts. In General, it is nearly 519 billion rubles, a third of all household assets, including Bank deposits, stocks, insurance policies and pension. Six and dwunastoletnie bonds are not suitable, as a way of placing money for a rainy day. They can, however, be present to redeem before, but then it loses a large part of the interest.
Second question: the Poles, if you decided to save for longer, then expect that a high interest rate. Interest on the bonds plus 500 is 2.6 percent. for bonds sześcioletnich and 3 percent. for now, the first year savings. Supposedly, this is not enough, if you compare this offer to the Bank – an average of 1.5 percent. for deposits in excess of a year. But none of the banks not even trying to offer a Deposit of six years, so data are not comparable.
mark Chądzyński, 10.11.2016
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