Sberbank asset management main page. Sberbank Asset Management - "How could the most reliable bank have the most unreliable management company?"

Sberbank Asset Management is one of the largest trust management companies in the Russian market. The company has developed many investment strategies that differ in the ratio of profitability and risk.

Mutual funds of Sberbank - an opportunity to start investment activities even with a small amount. A mutual fund participant receives passive income without taking any action and without having special knowledge in investing and risk management.

The minimum amount to participate in Sberbank mutual funds is 15,000 rubles. At the same time, you can buy, sell or exchange your share at any time without any restrictions. Operations with the assets of mutual funds are carried out by Sberbank Asset Management JSC.

Today, Sberbank Asset Management holds a leading position in the trust management services market, owning the largest market share in open-ended and interval mutual funds.

Sberbank UA works with private and institutional investors. Private investors include individuals who have made an investment in one of the mutual funds. Institutional investors are brokerage companies and trustees that carry out operations in the securities market.

Mutual investment fund is a form of collective investment of funds, which are subsequently directed to the trust management of the company. Depositors' funds are used to carry out transactions in the securities market (stocks, bonds) and other assets.

The purpose of investing is to generate income by increasing the market value of these assets.

Which PIF to choose?

To date, Sberbank UA manages 19 open-end investment funds and 3 closed-end real estate funds, including the Ilya Muromets Bond Fund, the Risky Bond Fund, the Global Internet Fund and others.

All mutual funds offered by Sberbank UK are divided into groups in terms of return and risk:

conservative segment;
balanced segment;
aggressive segment.

Mutual investment funds of the conservative and balanced segments assume moderate profits with a high degree of deposit protection against losses. Mutual investment funds of the aggressive segment can bring the owner of the share a rapid increase in profitability with a high risk of yield drawdown.

On the official website of Sberbank UA, you can use a special form to select an investment fund, based on knowledge of managing financial instruments, the investment period and investment goals of the investor.

Profitability of funds managed by Sberbank UA JSC

The profitability of the funds is reflected on the official website of Sberbank Asset Management and depends on the management strategy of a particular unit fund. It is worth noting that past performance does not determine future earnings. Profitability may vary depending on the state of the market and the economy as a whole. JSC "Sberbank UA" does not guarantee the return on investment, as such a guarantee is prohibited by law.

Advice: Don't invest all your money in one mutual fund. Distribute them in order to diversify risks in several areas of investment.

An investment share is a registered security that confirms the owner's right to a share of the property of a mutual fund. The share exists in a non-documentary form, i.e. the ownership of the share is based on an electronic entry in the register of share holders. Confirmation of ownership of a share is an extract from the register indicating the number of acquired shares and their value. The value of the assets of a mutual fund may decrease, thus, the profitability of funds in certain periods may be negative.

It is important to understand that investing in mutual funds is a long-term investment of free cash. Therefore, if in a certain period the profitability of a mutual fund decreases, this is not a reason to sell the share. The yield on mutual funds is designed for the future.

The average yield on mutual funds is 8-10% per annum with minimal risks. The value of one share is calculated daily based on the value of the property of the mutual fund.

By purchasing a share, the investor becomes the owner of the investment shares. An upward change in the value of shares will mean the owner's potential for profit.

The owner of a share in an investment unit cannot receive interest or dividends from his investment. You can make a profit (loss) only at the time of selling your share. Profit is calculated based on the difference in the value of the share at the time of its purchase and sale.

Is it worth investing in Sberbank Asset Management mutual funds?

Most people believe that investing is possible only if you have a large amount of money, special knowledge and constant monitoring of the situation in the economy. Many Russians, taught by the bitter experience of the 90s, are in no hurry to part with their money and invest it in mutual funds. Only a few open , Moscow, St. Petersburg and other cities, and other banks are involved in

The creation was in 1996. It was called Troika Dialog Management Company. And in the same year, they opened the first mutual fund in Russia, Troika Dialog - Ilya Muromets, which invested the money of shareholders in bonds. And in 2001, the Federal Law “On Investment Funds” was issued, thanks to which there were even more financial products.

In 2003, there was a pension reform. And Troika Dialog was chosen to manage the funds of the Pension Fund of the Russian Federation.

And in 2012, Sberbank buys Troika Dialog Management Company. And changes its name to Sberbank Asset Management. mutual funds continue to generate income.

"Sberbank Asset Management" - mutual funds. At the end of March 2014, the company manages $3.9 million in assets. The number of mutual funds exceeds 20. Moreover, open mutual funds of Sberbank occupy a share of 22.6% in the open-end mutual funds market.

The company selects only the best portfolio managers. They go through several stages of verification before they are allowed to manage. For example, first an investment analysis is carried out, then securities are selected to be included in the portfolio. Further, after the portfolio is compiled, monitoring takes place.

General Director - Anton Rakhmanov.

The firm has a license to manage securities and a license to manage investment funds, mutual funds and private pension funds.

In 2013 "Trust management "Sberbank" received the title of "Best Management Company in Russia", taking 2nd place. Analysts entered the top 30 in Russia.

Mutual funds of Sberbank of Russia

	Equity funds
	OPIF with a high level of risk. Suitable for those who can and want to take risks for maximum profit. Investments in foreign mutual funds and in American companies.
	OPIF with a high level of risk. Suitable for those who can and want to take risks for maximum profit. Investments in shares of Russian companies.
	OPIF with a high level of risk. Suitable for those who can and want to take risks for maximum profit. Investments in shares of second-tier companies.
	OPIF with a high level of risk. Suitable for those who can and want to take risks for maximum profit. Investing in stocks of companies with high volatility. Medium and short term investments.
	OPIF with a high level of risk. Suitable for those who can and want to take risks for maximum profit. Investments in the companies of the first echelon - in "blue chips".
	Bond funds
	OPIF with a low level of risk. Suitable for those who do not want to take big risks.
	OPEIF with an average level of risk. Suitable for those who keep the "golden mean".
	OPIF with a low level of risk. Suitable for those who do not want to take big risks. Investments in Russian bonds.
	OPEIF with an average level of risk. Suitable for those who keep the "golden mean". This is an investment of capital in dollars.
	money market fund
	OPIF with a low level of risk. Suitable for those who do not want to take big risks. Investments in Russian bonds and ruble deposits.
	Mixed investment funds

	OPEIF with an average level of risk. Suitable for those who keep the "golden mean" and are ready to invest in a portfolio with mixed investments.
	Commodity Market Fund
	Global Investment
	OPIF with a high level of risk. Investments in ETF Vanguard FTSE EM.
	Real estate funds
	This is one of the closed mutual funds. Units are traded on the Moscow Exchange. Investments in the purchase, sale and lease of commercial real estate.
	Closed mutual fund for the sale and purchase of new buildings in apartment buildings.
	Industry funds
	OPIF with a high level of risk. Suitable for those who can and want to take risks for maximum profit.

OPIF with a low level of risk. Suitable for those who do not want to take big risks.

By 2019, the management company of Sberbank retains its leading position in terms of the number of funds raised - more than a third of all capital received by the funds from investors fell to the share of mutual funds of Sberbank Asset Management. The dynamics is explained by many factors, the main of which are consistently high profitability and ease of acquiring shares (available in the Personal Account online).

Conditions for investing in mutual funds of Sberbank

Today, Sberbank Asset Management regulates 21 open-ended funds, the total amount of funds on the company's accounts is 581 billion rubles.

A variety of mutual funds are offered for the investor to choose from:

Bonds - with a low level of risk and moderate yield. For example, Money or Ilya Muromets.
Stocks - among which are industry portfolios and portfolios that imply broad diversification and active management of funds. In the UK Asset Management, these are: the Global Internet, the Consumer Sector, Natural Resources, and so on.
Mixed - which include bonds and stocks.
Funds - the basis of the portfolio is the securities of countries or ETFs.

Thanks to professional managers, the profitability of most mutual funds of Sberbank Asset Management remains at a high level.

At the beginning of 2019, losses at the end of last year were recorded in 9 mutual funds, the rest brought profits to their shareholders from 2.7% to 24.53% per annum.

At the moment, Sberbank offers investors loyal conditions for participation:

Purchase, sale and exchange of units (the latter - except for OPIF Cash) is made on the day of application;
The amount of the initial purchase is 15,000 if the transaction is executed at the office of the bank or the management company, 1,000 rubles - when buying online;
The amount of subsequent purchases is 1,000, regardless of the method;
Purchase surcharge - 0.5% and 1% depending on the purchase price;
Sale discount - from 0% to 2%, depending on the period of holding shares.

The minimum investment period is not set, however, the strategy of each mutual fund implies a certain duration of holding shares.

Example :

PIF: Consumer sector in Sberbank Asset Management.

Strategy: implies investments from 3 years, since the portfolio includes shares of companies in the consumer sector of Russia, which are characterized by periods of decline and growth.

Period: from September 2017 to October 2018, the value of the share fell and fell from 2400 to 1900 rubles, but already at the beginning of 2019 it recovered to 2100 rubles. Over the past three years, the percentage increase was 1.24%.

*figures are rounded.

A long term of holding shares will “smooth out” all the ups and downs, and the investor will receive a positive financial result with almost 100% certainty.

Owning shares for more than 3 years has other advantages. So, after the expiration of this period, the investor does not have to pay personal income tax on the difference between the purchase and sale prices of the asset. The maximum deduction amount is 3 million rubles. for each full year of ownership.

Example

PIF: Global internet company Sberbank Asset Management

Growth over three years: 22,55%.

Investments: 100 thousand rubles.

Profit: in 2019, after the sale of the shares, the investor will receive 122,550 rubles*

Saved tax: 0.13 * 22550 = order 2930 rubles.

*excluding commission

How to choose the right mutual fund

Let's consider how to choose the right income fund, whether this parameter is always and how to form a portfolio that does not bring losses.

Profitability, growth dynamics and NAV

It is interesting to observe the growth dynamics of mutual funds under the leadership of Sberbank - Asset Management.

By the beginning of 2019, the return on funds looks like this (estimation period 3 years):

The fall in the value of shares is quite understandable: the first mutual fund lost due to the devaluation of the ruble, because the basis of the portfolio was papers of Russian issuers in foreign currency, Mutual Investment Fund Zoloto “sank” due to the decrease in the price of gold and shares of gold mining companies.

It is important to understand that the return of a mutual fund in the past does not guarantee the same return in the future. Thus, the shares of the Electric Power Industry more than doubled over 3 years, but over the past year they showed a loss of 12.65%.

The profitability of mutual funds under the patronage of Sberbank - Asset Management should be assessed according to the following rules:

Compare the profitability for the year and for the last 3 years - the dynamics should be steadily growing, if the share price fluctuates, then this indicates the volatility of the asset;
Compare the yield and the benchmark - ideally, the mutual fund should overtake the benchmark, but at the same time, the outline of the chart can repeat the outline of the benchmark chart, because. they are subject to the same market laws;
Compare NAV and profitability - both should grow, if NAV falls, then it is not clear where the profit comes from;
Compare the inflow of money and profitability - if active injections were made into the mutual fund, perhaps this was the reason for the growth.

But to choose a mutual fund, you need to pay attention to other parameters.

Key parameters for analysis

In addition to the yield, considered in dynamics and with an eye to the benchmark, in order to determine whether a mutual fund is performing well or poorly, it is necessary to analyze:

Composition of assets. For example, the Global Internet mutual fund in Asset Management includes shares of Russian and foreign IT companies: Yandex, Mail.ru, Netflix, Alphabet, Facebook, etc. The growth of their quotations will be associated with the rise of the industry as a whole, therefore, the shares of mutual funds will also rise in price . Therefore, the investor must assess the situation, study the information material and understand whether assets will grow in the near future.
Changes in the structure of assets. For example, the Active Management Mutual Fund made frequent replacement of the shares included in its chip. Other funds, such as Sberbank Gold, are stable.
Strategy. A risky strategy brings potentially more income, but rather large drawdowns are not excluded. The most conservative strategies involve investing in bonds, deposits, or ETFs. Profit on them is not the biggest but more predictable.
Team. Here you should look at how successful other mutual funds managed by the same team are. For example, Sberbank’s Money Management Mutual Fund, established in early 2018, is managed by a team with experience in working with bond funds. Therefore, you can count on a good start.
Coefficients. You can calculate them yourself or use ready-made analytics on the investfunds website. They will help you understand how effectively capital works in comparison with the market and the benchmark, how NAV and profitability correlate, whether all opportunities are used, etc., which will greatly facilitate the choice of a fund.

The use of analytical materials also helps to choose the appropriate option.

You should not buy shares when the price for them is at a maximum - it is quite possible that the price will fall in the future (correction), and if you bought paper, you should be prepared for a roller coaster.

Analyzing the performance of a fund will help you figure out the best time to buy due to the cyclicality.

Units of the mutual fund Ilya Muromets (refers to equity funds), it is most profitable to buy in the spring or summer, after the dividend payment period.
Bond mutual funds fall in price at the beginning of the year when managers rebalance the portfolio.
You can invest in index mutual funds almost at any time - the growth dynamics is stable, in the long run it is always a profit.

How to purchase shares in MC Asset Management

The advantage of Sberbank is a well-thought-out customer service system. Every year, the time that a bank client spends on receiving a service is reduced - more and more transactions are performed online.

At the office of the management company

The first is to go to a branch of Sberbank or to the office of the Criminal Code and fill out an application for the purchase of shares. The minimum transaction amount will be 15,000 rubles. It will be possible to pay for the purchase right there in cash or by card - or later, through Sberbank online or at an ATM, by sending money to the current account specified in the payment order.

In the Personal Account of Sberbank online

The second way is remote. Please note that the purchase does not take place in the Sberbank Online LC, but on a separate portal - through the Personal Account of Asset Management Asset Management. If you have an entry on the State Services portal, registration can be done in real time, if not, you will first have to contact a bank branch.

Go to the site my.sberbank-am.ru;
Click Login via Public Services:

Enter the registration data of the portal, and you will be redirected to the personal account of Sberbank Asset Management Mutual Funds:

Select the PIF tab from the top menu.
Find the fund you are interested in and click Select - Buy Units:

Specify the purchase price (minimum 1000 rubles) and click Next:

Fill out the application form, filling out part of it manually (the program will receive most of the data automatically through the State Services, but some information will have to be entered manually and confirmed):

Click Proceed to payment.
After that, a payment order will be generated, which will need to be paid in the Sberbank system online.

For this you will need:

Go to the Sberbank website online;
Select the section Payments and transfers - Mutual funds;
Choose the name of the mutual fund;
Specify the date and identifier from the payment order (you can set up auto payment or save the template, since in the future you will need the same details to purchase shares of the same fund);
Confirm purchase.

The money will be credited to the fund's account within 6 days, at the same time they will appear in the Personal Account. Interest will be calculated the next day.

Fund Monetary - how it showed itself by 2019

The strategy is aimed at moderate returns through investments in deposits of domestic banks and reliable bonds, which are rigorously selected to minimize risks. Entry - from 1 thousand rubles.

Please note that an important advantage of the PIF Monetary is the absence of commissions for the acquisition and redemption of units and a low management fee (1% - MC Asset Management and 0.3% - operating costs).

It can be considered as an alternative to a deposit, you will always have the option to withdraw funds at any time.

Conclusion

The company offers to purchase shares on favorable terms. Most Sberbank mutual funds work in the long run, however, to select the most suitable fund, it is recommended to analyze them all in terms of profitability, NAV, ratios, portfolio composition and other parameters.

It is most convenient to buy shares online through the Personal Account - and the amount of the minimum investment in this case will be lower, only 1000 rubles (+ surcharge of 1%).

Thus, mutual funds of Sberbank Asset Management give investors a real opportunity to earn on the stock market without independent trading.

Clients wishing to receive higher returns on their investments than bank deposits offer should consider investing in the stock market as an alternative. Naturally, it is not recommended to engage in independent investments without proper experience, since instead of the expected return of hundreds of percent per year, you can get an equally large loss. It is recommended to invest in mutual funds of a professional management company, for example, Sberbank Asset Management, whose mutual funds regularly yield up to 20% per annum.

Conditions for investing in mutual funds of Sberbank

Sberbank Asset Management confidently ranks first in the domestic open-end mutual fund market in terms of the number of assets under management. Established back in 1996 under the name Troika Dialog, Sberbank Management Company currently works with 20 open-ended and 11 closed-end funds.

The investment company of Sberbank has been repeatedly recognized as the best in its field by independent agencies, for example, Expert RA and Kommersant. In 2016, most of the mutual funds (except 3) showed a positive trend, the average annual yield of Sberbank Asset Management mutual funds was 15%.

Attention: past returns do not guarantee the same returns in the future. Moreover, you can get a loss in a profitable mutual fund if you make a deal to buy and sell a share at the wrong time, so it is important to plan any transactions with securities correctly.

Currently, the management company puts forward the following requirements for investment:

the minimum investment amount is 15 thousand rubles for the initial purchase of shares;
the minimum repurchase amount is 1.5 thousand rubles;
1% commission when buying a share (MC reward);
0-2% commission when selling a share (the longer the share is owned, the lower the commission).

The purchase, exchange and sale of units is carried out both in person and by phone. Also, in the personal account of Sberbank Asset Management, mutual funds can be purchased and sold online with a minimum commission.

There are two ways to legally avoid paying this tax:

hold shares in their property for at least 3 years;
open an investment account and apply a type B tax deduction when withdrawing profits.

An investor can make any transactions with shares of open-ended funds Sberbank Asset Management. To obtain admission to closed venture mutual funds and real estate mutual funds, you must receive a special invitation. Investments in these funds start from 500 thousand rubles.

How to become a client of Sberbank Asset Management

There are two ways to become a client of the Sberbank management company. The first is to personally go to any office of the Asset Management company itself or to any central office of Sberbank. It is recommended to leave a request by phone to open a brokerage account in advance, so that the employees will prepare all the documents for your arrival, and the visit will take you less time. The general algorithm for opening an account for investing in mutual funds in Sberbank Asset Management is as follows:

you apply to the office of the company and sign a brokerage service agreement (optionally, a regular brokerage account or IIS is opened);
determine in which mutual funds in what volume you wish to invest;
leave an application for the purchase of mutual funds in person or by phone;
pay for units remotely through the Sberbank online system.

The second option to invest in mutual funds of Sberbank is to register remotely through the Personal Account of the mutual fund Sberbank Asset Management. Since this is done through the website of the provision of public services, you must have a fully verified account on this portal. In general, the algorithm is as follows:

go to page https://my.sberbank-am.ru/webmvc/login/login;
click on the Public Service symbol - Continue;
log in to the portal and give the system permission to integrate with the Asset Management service;
in your personal account, select the required mutual fund and the number of shares;
pay the invoice using the Personal Account or the Sberbank mobile application.

After the first purchase, it will take some time for the management company to process the application, but later you will be able to buy and redeem units without delay through your Personal Account.

Which mutual funds to choose

In the Personal Account, you can independently create an investment portfolio, which in the future will determine the level of your profitability. How to properly combine mutual funds of the Consumer Sector with Biotechnology and Electricity or others, we will learn further.

Growth dynamics

When the question arises of what is the profitability of mutual funds in Sberbank Asset Management, it is necessary to note several features of investing in this financial instrument:

The recommended term for investing in mutual funds is from 1 year to aggressive funds and from 3 years to conservative ones. During such a time, even a loss-making fund will definitely turn into a profit, and you will have the right moment to buy back a share.
The investor's profit is formed only after the sale of the share. His goal is to buy a fund security cheaper and sell it more expensive. If you randomly engage in buying and selling shares, you can lose your savings.
Investing in the most profitable mutual funds should be done with caution. The market is cyclical, and after the rise is followed by a decline. It is better to buy shares of depreciated funds and sell them after growth. Often a situation arises when an investor buys a share of the most profitable mutual fund, and subsequently suffers losses, is disappointed in this financial instrument and leaves the market.
Carefully consider your expenses and income. Consider commissions and taxes.

Thus, when investing in Sberbank Asset Management mutual funds, be sure to take into account the growth dynamics of individual shares. Buying the most expensive units does not always guarantee an increase in income, as their price may decrease.

Be sure to analyze the instruments in which the mutual fund invests. The dynamics of their growth or fall will tell you how profitable or unprofitable the fund will be in the near future.

To date (June 2017), the most profitable funds are:

Eurobond fund, yield for 3 years - 90.36%, but recently it has been unprofitable;
Sberbank Asset management Mutual investment funds Consumer sector, 3-year yield – 81.23%, but since the beginning of the year – unprofitable;
Fund Financial sector, profitability for 3 years - 72.11%, profit for half a year - 8.08%;
The Suitable Resources Fund, for 3 years brought an income of 69.69%, but lost 14.84% in 2017;
Global Internet - for 3 years, the mutual fund has brought a profit of 67.85%, for the current year - already 26.90%, while in 2016 the fund showed a negative trend.

Thus, it is profitable to invest in mutual funds when the share price falls. It is optimal to choose funds with a large income at a distance, but which temporarily lose their positions. For example, in 2016 it was a good investment idea to invest in Sberbank UIF Asset Management Global Internet, this year - in the Eurobond Fund, the Consumer Sector or Natural Resources.

How to build a portfolio

Naturally, profitability is only one of the criteria for selecting mutual funds. When forming an investment portfolio, it is necessary to proceed from many parameters, one of them is the rate of profit. If you are interested in quick income, you should choose funds that use high-yield, but high-risk assets, for example, Sberbank Asset Management Biotech Mutual Fund. If you look at the scale of its profitability, then it is characterized by large ups and downs, so it is recommended to sell and buy its shares often.

For long-term investments, conservative mutual funds are more suitable (the main instruments are bonds, blue-chip shares, Eurobonds) or funds of a balanced segment (the main instruments are stocks, real estate, gold). They can be invested on a “buy and hold” basis until the share price reaches the target level.

Such funds are characterized by small, but stable and predictable returns. For example, Ilya Muromets, which is managed by Sberbank Asset Management, is a mutual fund. He gives a stable profit of approximately 6% per annum, the core of his portfolio is made up of reliable corporate and federal bonds.

Depending on your goals and risk appetite, you can choose an investment portfolio of the following profiles:

conservative, designed solely to save funds: target yield - 10% per year, shares of Ilya Muromets mutual funds, the Global Debt Market and Eurobonds will be used (shares are purchased in equal proportions);
moderate: target yield - 20% per year, shares of mutual funds of mutual funds are purchased in equal shares Ilya Muromets, Dobrynya Nikitich, Balanced, if desired, you can include a mutual fund of Eurobonds or Active Management
aggressive: target yield - 25% per year, shares of Sberbank mutual funds are acquired

Of course, the composition of portfolios is approximate, if necessary, it must be adjusted based on the history of the mutual fund's profitability and the economic situation.

Important: you do not need to strive to purchase shares of all mutual funds on the same day. The best thing to do is to decide which mutual funds of Sberbank you want to invest in and wait for the right moment to enter. Thus, the value of the Dobrynya Nikitich share (Russian shares) usually falls in the summer, when shareholders receive their payments and share prices fall.

Conclusion

Thus, a competent investment in mutual funds in Sberbank Asset Management can give up to 25% profit per year. You can become a shareholder at a branch of the management company or online. Income is generated by rising share prices, so the general rule for investing in mutual funds is as follows: aggressive funds are best entered when their price falls, but conservative ones can be invested almost at any time. The final portfolio is formed depending on your financial goals and risk appetite.

Sberbank Asset Management is one of the most productive and significant management companies in Russia. It began its history in 1996 and is undoubtedly the founder of the securities management industry in Russia. During the impressive time of its existence, the organization has overcome many crises and was able to maintain and strengthen its leading position in this industry. At the moment, it can provide its clients with a wide range of services in the field of investment. Such a high position was achieved thanks to the professionalism of employees, each of whom has experience in this industry for at least ten years. An article on the site will tell you what assets are in Sberbank and how they are managed.

From 1996 to 2012, the company was an independent organization Troika Dialog. During its existence, it has developed rapidly. In 2001, she began to offer her clients all the main groups of mutual funds. In 2003, the organization was chosen to control the funds of the Pension Fund of Russia. From 2004 to 2007, Troika Dialog achieved leadership in the area of mutual fund regulation. In 2009 and 2010, during the recovery of the market after the crisis, he completes frozen projects and implements new ideas. In 2011 and 2012, the organization begins to work under a new name in connection with the acquisition of 100% of the company's shares by Sberbank.

Sberbank Asset Management - Mutual Funds

The abbreviation PIF stands for "Unit Investment Fund". This is a more profitable alternative to bank deposits, one of the methods to increase your funds. Its essence is that the money of all investors is combined into a specially created fund, after which he can purchase securities on them. In order to become an investor, you need to buy shares of the fund (shareholder's share). Accordingly, in order to get out of it, it is necessary to sell these shares.

Mutual funds of the company work stably and generate income. Among them there are classic (stocks, bonds) and specialized (sector, country).

Everyone who decides to increase their capital by investing money chooses the mutual fund that is right for him, based on the ratio of the desired profit and the expected risk. If you cannot make up your mind about the choice, financial specialists are always ready to help you.

OPIF "Residential Property" - specializes in increasing capital through the sale of apartments purchased while they have not yet been completed. The emphasis here is on price changes in the real estate market. The investment mechanism is as follows: after a construction company receives a permit to build an apartment building, the mutual investment fund acquires the rights to a stake in the construction, then after the construction is completed, it sells these apartments at a better price. Residential real estate in Moscow and the Moscow region comes under attention, investments are made for a period of one to two and a half years.

Sberbank asset management — Ilya Muromets

This largest mutual fund in the Russian market specializes in generating profits based on changes in the price of securities offered by domestic issuers, with well-defined profitability and low risk. It only invests in domestic bonds with adequate credit quality and above-average maturities. Bonds that have the potential to increase in value are taken into account. The initial purchase can be made in the amount of 15,000 rubles, additionally - from 1,500, while the profit will be 1.5% of the average annual rate, the possibility of losses is low.

It specializes in making a profit from investing in shares owned by domestic communications companies. As in the case of other issuers, the shares of telecom operators, companies specializing in information technology, etc. have a high degree of risk of depreciation. Therefore, specialists carefully study all possible options for changing their prices, on the basis of which further investment takes place. The minimum initial cost of shares is 15,000 rubles, additional - from 1,500, profit - 3.2% of the average annual price, the probability of capital loss is above average.

OPIF "Balanced" - bonds have a low risk of depreciation, but at the same time, low yield. Stocks, on the other hand, offer high returns with a high degree of risk. Mutual Fund Balanced is aimed at making a profit from transactions with both securities of domestic issuers, which ensures a balance between risk and profitability. Funds are optimally distributed between investments. The ratio of securities in the fund's portfolio may vary depending on the market situation. Initially, you can purchase shares in the amount of 15,000 rubles, additionally - from 1,500, the profit is 3.1% of the average annual rate, the possibility of losses is average.

It specializes in long-term profit from operations with shares of domestic issuers that provide services of Internet portals, online stores, as well as providing Internet access. This area of the market is constantly evolving, so investing in it can be a very profitable business, and more importantly, long-term. The fund's portfolio may include securities of small and large companies that have established themselves as leaders in their market spectrum. The initial purchase of shares is made in the amount of 15,000 rubles, additional - from 1500, the profit is 3.2% of the average annual value, the possibility of losses is high.

OIF "Money Market Fund" - is specialized in generating income from investing in bonds with a short term, owned mainly by domestic issuers with a good credit history. This path is recommended for investors looking for a long-term investment with low income. The initial purchase of shares is made in the amount of 15,000 rubles, additional - from 1,500, the income is 0.5% of the average annual price, the probability of losing capital is low.

UK Sberbank asset management - trust management

Investing is hard work and requires full dedication and certain skills. Otherwise, the possibility of losing the invested capital increases, and the efficiency of investments decreases. To ensure a stable high income, you can entrust your financial operations to a specialist of an organization that has been providing these services since 1996 and is a leader in its field.

Sberbank asset management - pension savings

In 2003, the Russian Ministry of Finance selected the most suitable organization that would be able to provide trust management of pension savings. The winner was MC Sberbank Asset Management. At the moment, it is one of the leaders in terms of the number of pension savings under control. The activity is aimed at increasing finances in the long term. This is achieved through a careful selection of securities for the portfolio, which are of the highest quality and potential for growth in the rate. You can always find out about the situation with investing your pension savings at the PFR office at the place of residence.