Депозиты в Казахстане: как выбрать и не потерять деньги

You deposited money in the bank, and upon early withdrawal, you received almost nothing. We'll explore how the three types of deposits in Kazakhstan work, how the ESTR differs from the nominal rate, how the state guarantee of the Deposit Insurance Fund works, which products are similar to deposits but aren't, and what an educational deposit with a state bonus is. Timestamps: 0:00 — A Story of Losing Income 0:54 — Why a High Interest Rate Isn't the Most Important Thing 1:38 — Which Interest Rate Really Matters 2:55 — Three Types of Deposits: How They Differ 7:26 — One Rule for Choosing a Deposit 8:31 — Deposit Insurance Fund: How the State Guarantee Works 10:00 — Do You Have to Pay Tax on a Deposit 10:24 — Looks Like a Deposit, But It's Not a Deposit 12:02 — State Educational Savings System: Educational Deposits Only for a Specific Purpose 14:50 — How Not to Choose a Deposit Blindly 15:49 — Four Questions Before Opening a Deposit What's Inside: — What's the difference between a non-term, term, and savings deposit, and when each is appropriate; — Why choosing only by interest rate results in lost income upon early withdrawal; — How the Deposit Insurance Fund guarantee works, and what exactly it doesn't cover; — which products look like deposits but are outside the guarantee system; — what is the State Educational Savings System, and who benefits from considering an educational deposit? Here we explore personal finances in Kazakhstan: no motivation, no accusations, just the mechanics. #personalfinances #financeskazhstan #deposits #depositguarantee #financialliteracy