You don't have to look for complex solutions to make your money work You can invest some of your funds, keep some in reserve, and place the rest in a deposit, knowing the term and return in advance. Starting August 15, Alfa Only clients can enjoy increased rates : 14.2% per annum with a 6-month compounding period for new funds; 13.5% for terms from 9 months to 3 years for amounts starting from 1 million rubles; 13.2% for the same terms for amounts up to 1 million rubles.