Any entrepreneur or business owner is always striving to increase his capital. To this end, many follow the standard path - they place deposits in a bank at low but stable interest rates, or make deposits. And only a rare number of businessmen, accustomed to taking risks, choose another option for enrichment, more common in developed countries. This is an investment in securities and access to the stock market. Anyone who aims to make a profit on their own in this way will have to devote almost all the time to this, because without this, the efficiency will be low, and the risk of losses will increase every time. This job requires professional skills, experience and knowledge of the stock market.
The only way to reduce risks and achieve efficiency is to transfer the management of your own assets to professionals. Such services have been provided by Sberbank for many years, trust management is carried out by its specially created division of Sberbank Asset Management JSC.
Trust the professionals Sberbank " Trust management» - a set of services aimed at preserving and increasing the capital of bank customers. The program provides for the transfer of the client's assets without changing ownership to the temporary disposal of a personal manager. When concluding a service agreement, issues of commission payments and remuneration to the manager are considered.
The result of success is many years of experience The benefits of the service include the following:
- since 1996, the bank has been successfully managing the funds of its clients and has significant authority among issuers;
- JSC portfolio managers are recognized as the most professional and experienced in the Russian stock market;
- bank analysts conduct a thorough analysis of securities listed on the market;
- the investment process established over many years allows you to manage the client's funds in a quality manner;
- each client receives an individual approach in the formation of an investment portfolio;
- a personal manager provides a detailed report on the state of investments, quotes and their movement;
- providing access to large-scale projects and wide opportunities for the use of assets;
- potential for high income.
Benefits of the service are a number of benefits Checklist of Small Business Asset Management Strategies
- Long-term capital gains (shares)
The offer is designed for businessmen who are ready for a high level of risk. It is designed for a period of 1 year. According to this strategy investment portfolio has a high level of diversification and is formed from shares of Russian issuers, having high liquidity and potential.
- Shares of small and mid-cap companies
The offer is intended for businessmen who are tolerant of high risks and is designed for a period of at least 3 years. The investment portfolio is formed from shares of foreign and Russian companies small and medium capitalization, having high pace growth in market value.
- Active management
It is intended for investors who are not ready for a high level of risk, but who prefer to get more profit than when purchasing bonds. The strategy is provided for a period of 1 year. Investments are invested in shares of Russian companies in order to obtain higher returns RTS index. A feature of the program is the distribution of assets between cash and shares. At the same time, stocks for the portfolio are selected in such a way as to reduce its volatility.
- Bond income - Ruble bonds
The strategy is intended for clients with a conservative approach to investing (a period of 1 year). Assets are invested in government and corporate bonds with a yield higher than deposit rates.
- Bond income – Eurobonds
Designed for qualified and experienced investors who wish to place funds on foreign exchange assets. Allows you to make a profit above the possible inflation and deposit rates in foreign currency. The strategy is provided for a period of more than 1 year.
- balanced income
The goal of the strategy is to generate income that is balanced due to the simultaneous distribution of assets in bonds and stocks. The client receives more than earnings from bonds, but he is less exposed to the risks of the securities market.
- Capital protection
The strategy consists in placing assets in a special deposit of Sberbank and is calculated for a period of 2 years. Profitability is determined from the amount of the initial contribution, the fixed interest rate and additional earnings tied to the underlying asset chosen by the client.
There are several types of trust management Investment amounts
Trust management of Sberbank is possible with a minimum investment amount of 7 million rubles. , and under the Capital Protection program - at least - 3 million rubles. Maximum amounts depends on the wishes of the investor.
Risks, errors and problems
Despite its attractiveness, investing in the stock market has certain risks. And this should always be taken into account. There is always the possibility of financial losses in the desire to make a profit that significantly exceeds the interest rates of deposits. The bank providing the service will not guarantee a certain level of profitability when placing assets transferred to its board. Do not forget that all the risks associated with the securities market fall on the client. And in the event of an unforeseen development of the situation associated with a fall in quotes or other undesirable moments, a negative investment effect is possible.
An analysis of Sberbank's trust management shows that an investor client can receive 300% per annum in some situations, and in some situations, lose significant amounts. If the client does not want to take risks and monitor the entire dynamics of investment processes, then he should pay attention to deposits.
Services are available only to customers of Sberbank First Conclusion
Become an active participant in the stock market and invest your own funds in shares or shares - every businessman has such an opportunity. He can shift all the worries of creating and developing his investment portfolio to professional managers of Sberbank by entering into a trust management agreement. Experts will help you choose the right strategy and take into account all possible risks.
Sberbank "trust management"- a service that professional management clients' capital in order to preserve and increase them. The use of stock market instruments requires experience, deep knowledge of financial products and professional skills. Sberbank Asset Management JSC (Troika Dialog Management Company CJSC until 11.2012) has taken a leading position in the Market over the 20 years of its existence.
Trust money management
The relationship system provides for the transfer of the client's assets (property) to the temporary disposal of a "personal" manager without changing the owner. Commissions, remuneration to a professional and other conditions are negotiated at the conclusion of an agreement (agreement). The role of investment objects can be various securities available on the stock markets.
System advantages:
- access to participation in large-scale projects - limited only by the amount of invested funds;
- expansion of areas for the use of assets;
- financial convenience - effective management profitability, risks;
- high profitability - potential;
- partial or full withdrawal own funds- at a convenient time.
Sberbank's personal manager provides clients with detailed information on all investment issues. A detailed report on the movement of quotes, the state of the investment portfolio can be obtained from a specialist or on the official website.
Scheme of services from Sberbank trust management
Provided in accordance with regulations Central Bank and the legislation of the Russian Federation. It should be borne in mind that investments are not a deposit with clear interest rates. In addition to the possibility of obtaining maximum income, there is the possibility of losses.
Standard scheme:
- after consultation with a specialist, the client determines the amount of investments and chooses an investment object;
- an agreement is drawn up;
- depositing money into a trust management account, transferring securities to a Sberbank depository;
- manager analyzes stock markets and performs various operations with the client's capital - financial, trading;
- the investor receives income - net of commissions stipulated by the trust agreement and income tax.
The investor can partially or completely withdraw from circulation the transferred funds or securities - time limits, fees for early withdrawal are prescribed in the contract. The client has the right to increase the invested assets by depositing additional funds. In addition, the investor can control the movement of his capital online. A detailed report on all operations is provided to the client with the calculation of the current profitability.
List of possible operations
Within the framework of trust asset management, in addition to information and consulting services, Sberbank can carry out several types of operations:
- sell and purchase securities;
- settle transactions;
- assist in the issuance of securities and their placement;
- to insure the risks of operations with securities;
At the direction of the investor, re-registration of property rights is possible. The constant communication of the owner with his manager allows you to make adjustments to the investment declaration if necessary.
Terms of trust management of money
The formation of investment portfolios is carried out individually according to the capabilities and needs of a particular client. In addition to corporate, municipal, subfederal and government bonds of Russian issuers, Russian and foreign companies are considered as investment objects.
The service is provided by legal and individuals: corporate and private clients, pension funds and insurance companies. The investment strategy is developed individually for each client by a personal manager. Minimum size the amount of investment is determined by the selected financial strategy: "capital protection" - from 3 million rubles, other strategies - 7 million rubles.
Mutual investment funds (UIF)
The possibility of an initial investment of 15 thousand rubles. A wide range of products: from country and highly specialized funds to diversified portfolios of bonds and stocks. All operations with assets are carried out by the bank's professionals.
To become an investor you need:
- consult with a bank specialist at the nearest branch or by phone number 8-800-100-31-11;
- choose the one you are interested in or, with the help of a specialist, create an investment portfolio from shares of several funds.
- fill out a questionnaire and an application for the purchase of the selected shares in the branch;
- pay for the purchase - by transfer Money With bank account or in cash through a bank teller.
Intrabank transfers are free of charge.
Purchase request investment shares can be issued by filling out the form on the website or sent by registered mail - the signature of the future investor is notarized.
As you know, money should not be kept on bank account or in your wallet, but should work for you. There are many ways to invest and earn money. They can be logically divided into stable and unstable. Stable investments are bank deposits. According to the terms of the deposit - after a certain time you receive your deposit and the interest prescribed in the contract, in this case you have no risks. Unstable investments are cash investments, which do not guarantee you a 100% profit, but give you the opportunity to earn up to 60-70% of the amount of investments, depending on success. Such investments include, for example, mutual funds. Let's take a closer look at what mutual funds are and how much you can earn on them.
mutual fund is an abbreviation for Mutual Investment Fund. In other words, a mutual fund is an investment in the securities or real estate market with the possibility of obtaining a significantly higher income than bank deposits.
How do mutual funds work?
The operation algorithm of a mutual investment fund is extremely simple and consists of 4 stages:
- The management company creates a mutual fund with a given investment strategy (low, medium or high risk)
- You (as our client) choose the most interesting fund for you and buy a share (similar to a company's stock), thereby investing in it
- The fund's funds are invested in various securities or real estate
- You receive income (this figure depends on the growth in the value of the share and is rarely, but sometimes negative)
Conditions for investing in mutual funds of Sberbank
Quite an interesting point that reflects the nuances of investing in mutual funds. So, let's begin:
- The recommended investment period is from 1 year (but you can buy or sell a share on any business day - as soon as the amount of the share in ruble equivalent grows by an amount sufficient to withdraw the amount and pay the commission for selling the share)
- The minimum amount of investments in mutual funds is 1,000 rubles online and 15,000 rubles when visiting the office
- Investments are possible both in Russian and foreign assets
Advantages of mutual funds
The main advantage of mutual funds is the ability to invest in securities without the need to know the basics of working on the stock exchange.
- Mutual investment funds are affordable and convenient (you can invest online from 1000 rubles in an open fund)
- High liquidity of mutual fund units — you can sell or exchange acquired units on any business day (you can change units within open mutual funds which are managed by Sberbank Asset Management)
- Your investments are in safe hands — specialists of Sberbank Asset Management
Choosing a mutual fund of Sberbank
Before choosing one or another investment fund, we recommend that you look at the history of changes in the value of its shares for previous periods and invest in the most successful and, in your opinion, less risky.
Mutual funds are open and closed.
Shares of open mutual funds can be redeemed at any time (on a business day) and their value is recalculated daily.
Shares of closed-end mutual funds are accepted only in certain period and can only be redeemed on a specific date, in accordance with the rules of a closed-end mutual fund. Mainly closed mutual funds include funds that buy and sell real estate.
Mutual funds are presented both in rubles and dollars, but here you need to understand that when investing in foreign funds, mutual funds in rubles will decrease if the ruble rises against the dollar. This is because the purchase and sale of shares is only Russian currency- rubles.
All mutual funds of Sberbank can be divided into three categories of risk:
- Low risk (If your goal is to earn more than your investment, protect yourself from inflation and at the same time minimize the risk of losses, mutual funds investing in bonds are suitable for you)
- With medium risk (Optimal combination of risk and return: the opportunity to earn more by buying mutual funds that invest not only in bonds, but also in stocks)
- With high risk (These mutual funds invest mainly in shares, it is possible to big income but the risk of loss is much higher. Suitable for experienced investors willing to take risks)
The special website of Sberbank Asset Management (https://www.sberbank-am.ru) provides all relevant information about Sberbank mutual funds.
What mutual funds does Sberbank have
On the this moment the list of mutual funds in which Sberbank Asset Management offers to invest is as follows:
Open mutual funds with a low level of risk
- Ilya Muromets Bond Fund
- Eurobond Fund
- Fund Global Debt Market
- Fund Money
Mutual funds with an average level of risk
Open bond funds:
- Promising Bond Fund
- Mixed Investment Fund Balanced
- Fund Gold
Closed real estate mutual funds:
- Fund commercial real estate
- Fund Residential Properties 2
- Residential Real Estate Fund 3
- Fund Rental business
- Fund Rental Business 2
Mutual funds with a high level of risk
Open Equity Funds:
- Dobrynya Nikitich Equity Fund
- Small Cap Equity Fund
- Active Management Fund
- Power Industry Fund
- Fund Natural resources
- Telecommunications and Technology Foundation
- Global Internet Foundation
- Fund Consumer Sector
- Fund Financial sector
- Global Engineering Foundation
Mutual funds of Sberbank: profitability
The income of a shareholder of Sberbank is formed due to the difference in the cost of shares upon purchase and their subsequent sale. Income is not guaranteed and depends on the activities of the management company and the situation on the markets. Owning fund units for more than three years exempts you from paying income tax of 13%.
The yield of mutual funds depends on many factors: on the amount of investment in fund units and on the investment period. The average yield is 40-70% of the investment amount per year. This percentage constantly changing. When investing in mutual funds, it is best to create an investment package of shares from assets of varying degrees of risk and thereby diversify investments, for example, invest in shares of foreign funds, domestic companies and one of the closed-end real estate funds. Such an investment package will have medium risks and at the same time have high income. In any case, when investing in a mutual fund, you should understand that the next normal income should be expected, on average, in 1 year in the case of investing in bonds, 3 years or more in case of investing in stocks and 5 or more years in the case of investments in real estate shares. As for the shareholder's expenses, these are the commission when buying shares and the commission when selling them. There are no more expenses.
How to invest in mutual funds of Sberbank
You can invest in mutual funds in any way convenient for you: online or during a personal visit to the office. In this case, with a small amount of planned investment in shares, it is profitable to invest online, because minimum amount investment online is only 1000 rubles.
Ways to buy mutual funds of Sberbank:
- remotely via Personal Area(You will be able to choose, buy, redeem or exchange units without visiting the office if you are registered on the federal portal of public services (gosuslugi.ru).)
- At the office of the Management Company (you will be provided with detailed advice and help to issue Required documents for any operations with units of mutual funds. Bank payment.)
- At a branch of Sberbank (You will be helped to choose a mutual fund, draw up documents and pay for mutual fund units.)
How to find out the value of shares
The unit price of each open-end mutual fund Sberbank Asset Management is calculated daily and published on the website www.sberbank-am.ru after 12:00 Moscow time. The cost of investment shares is calculated according to the methodology of the Bank of Russia.
All about mutual funds of Sberbank
So, let's briefly summarize the mutual investment funds of Sberbank. If you want to receive maximum income from the invested funds, then you can invest in shares of investment funds. investment funds works at Sberbank subsidiary Sberbank Asset Management. The company's website is https://www.sberbank-am.ru/. There you can, based on the dynamics of growth and fall in the value of shares, choose the most stable mutual fund in your opinion and invest in it. And then at any time you want to sell your shares at the time of high profitability and withdraw money from the fund. You should not judge the profitability of mutual funds too quickly - the trend of growth and decline in the value of a share occurs over a fairly long period of time. Therefore, we advise you not to touch your acquired shares at all for 1 year and simply follow the trend in the value of the share. As for funds: they are open and closed. You can invest in open ones at any time and also withdraw them instantly. You can invest in a closed-end fund only at the moment the fund is opened - after collecting the required amount, the fund closes with its money management company real estate is purchased - after a certain time, the property is sold and you are paid the profit from the sale. The disadvantage of a closed-end fund is the ability to invest in it only for a limited period of time and the opportunity to receive income only after the sale of real estate by the management company.
