Savings is the main source that determines the essence of investment. They are involved to be effectively used in the real sector of the country’s economy. The economy needs a redistribution of money from those who have it, and who needs it. These funds save the population, but need state and businessman. The main factor of economic growth is investment. During the investment period, aggregate demand increases, and in the future — aggregate supply increases. Investment can be called as savings, which ultimately bring benefits. This happens by investing it in various activities.
People and the financial community are looking for sources of financing to meet investment needs. For reproduction and renewal of fixed capital, investments are made with real capital (capital-forming investments or investments in non-financial assets). Investment in money capital is a fund that will be invested in the country’s real capital.
The importance of domestic banks in turning savings into investments. The intermediary function of commercial banks is important for the economy to grow successfully. Because of their activity, the level of risk and uncertainty in the economic system is reduced — they collect free money and turn it into a strong source of investment.
One of the first methods to collect additional funds is the savings received by the bank with interest. At that time, banks perform socially significant functions — stimulating credit intermediation. This happens because of the redistribution of corporate legal funds, as well as the individual monetary income.
In economic theory, another relation between the reliability of the investment and the return of them. In the representation of the population - it is worthwhile that it is reliable. Reliability is assumed while saving. The first two places on profitability and reliability are occupied by tangible assets. It's gold with the rest of the gems, real estate. In third place is the savings. However, most of the accumulated funds are not invested in securities or real estate, but are not invested in the bank - on the contrary, they remain in deposit accounts or at home in rubles.
Only less than 3% of people who have savings, invest their money in business or buy securities or real estate. The reason is not the lack of financial resources, but the fact that the majority (57%) of all people, despite the fact that they have savings or not, believe that the money is most easily stored in cash in rubles. Only about 2% of respondents are ready to invest their money in securities and almost same in the real estate.
For most consumers, banking services are forced, but not a meaningful solution. Now the credit organization is trusted by 65% of Russian citizens. The population trusts more cash than cashless payments, especially with background information on embezzlement of non-cash funds. In order for people to believe in the security of non-cash settlements, much remains to be done. 23% of the population said they did not trust the electronic payment system because they were not sure of its reliability.
When the buyer receives the most popular products and services in the banking market, he faces coercion, so he has a desire not to pay the additional fees charged. In addition, most buyers are negative about the information distributed by banks (40% of Russians are bothered by bank advertising, 22% note that ads are annoying, and 21% are misleading and deceptive).
In addition, buyers do not believe in the reliability of information about the cost of credit, which reports his bank. The reason the customer’s fear of the goodwill of the bank is the consumer’s reaction to a bad experience in the past, when the bank used the commission, not letting the borrower know the true cost of the loan. But all the above problems can be solved with such a Peculium platform based on blocking technology.
PECULIUM is the first saving management platform to take advantage of
blockchain technology. PECULIUM revolutionized savings management with
implementing an unchanging Smart Contract during the Ethereal blockade.
This smart contract provides an unreliable way to reach a transparent, decentralized, and infallible contract agreement.
blockchain technology. PECULIUM revolutionized savings management with
implementing an unchanging Smart Contract during the Ethereal blockade.
This smart contract provides an unreliable way to reach a transparent, decentralized, and infallible contract agreement.
PECULIUM offers products with varying degrees of autonomy on asset management, ranging from fully autonomous (suitable for users and investors) to be customized (suitable for professional traders, large companies, and brokers interested in providing tailored plans for their clients). The PECULIUM platform will enable the monitoring and management of crypto assets in real time.
PECULIUM provides a transparent solution for traditional savings investments in crypto. By using Artificial Intelligence, PECULIUM maximizes the benefits of the expanding kriptocurrency market. PECULIUM combines traditional saving and cryptocurrency markets through blockchain technology in a mutually beneficial relationship, potentially providing a remarkable return for the savings invested.
ELIXIR UNIK PECULIUM: Peculium enters a great style to overcome all of the above problems and more. To address the transparency / security issues in this sector, the PECULIUM platform is built on Ethereal Blockchain technology developed under smart contracts. Blockchain is a form of digital ledger that is stored remotely. It contains all transactions over the network that are guaranteed by cryptographic functions. Decentralized storage and cryptographic encryption make digital ledgers unchanged. Although encrypted, transactions through blockchain are completely transparent.
Token Distribution
A total of 5% of these tokens will be sold in private sales from Nov. 1 to Nov.17. The first 7 days of personal selling will be specific to registered users. Starting 27 Nov’17, a total of 25% token will be sold during the initial coin offering (ICO) stage, which will run until January 19th ’18. The first 5 hours ICO will be considered pre-ICO, which will benefit investors with an additional 5% bonus bonus.
Initial investors and PECULIUM project contributors will be allocated
bonus. PECULIUM values are small and large in the crowd
You are welcome. Bonus will be allocated only based on time frame and will not depend on the amount of contribution. Private sales tenants will be given 50% bonus tokens. During the Pre-ICO and ICO phases, the bonus structure will vary with time from 35% to 0%, as shown below. Large investors during the continuous supply phase of the coin will not receive any bonuses.
bonus. PECULIUM values are small and large in the crowd
You are welcome. Bonus will be allocated only based on time frame and will not depend on the amount of contribution. Private sales tenants will be given 50% bonus tokens. During the Pre-ICO and ICO phases, the bonus structure will vary with time from 35% to 0%, as shown below. Large investors during the continuous supply phase of the coin will not receive any bonuses.
Next information:
Website — https://peculium.io/
Facebook — https://www.facebook.com/PeculiumICO/
Twitter — https://twitter.com/_Peculium
My Bitcointalk Profile: https://bitcointalk.org/index.php?action=profile;u=1139457;sa=summary
