Joint-Stock Company Sberbank Asset Management was registered by the Moscow Registration Chamber on April 1, 1996. License of the Federal Financial Markets Service of Russia to carry out activities related to the management of investment funds, mutual funds and non-state pension funds No. 21-000-1-00010 dated September 12, 1996. License of the Federal Financial Markets Service of Russia No. 177-06044-001000 dated June 7, 2002 to carry out securities management activities.
The value of investment shares may increase and decrease, past investment results do not determine future income, and the state does not guarantee the return on investments in mutual funds. Before purchasing an investment share, you should carefully read the rules of trust management of a mutual investment fund. Get detailed information about mutual investment funds and familiarize yourself with the rules of trust management of mutual investment funds and other documents at the address: 123317, Moscow, Presnenskaya embankment, building 10. The rules of trust management of mutual investment funds provide for allowances (discounts) to the estimated cost of investment shares when their issuance (repayment). Charging premiums (discounts) will reduce the return on investment in investment units of a mutual fund.
Closed real estate mutual fund "Sberbank - Residential Real Estate" - fund rules registered by the Federal Financial Markets Service of Russia on March 12, 2013 under number 2559. Closed real estate mutual fund "Sberbank - Residential Real Estate 2" - fund rules registered by the Bank of Russia on May 7, 2014 under number 2788. Closed real estate mutual fund "Sberbank - Residential Real Estate" Residential real estate 3" - rules for trust management of the fund were registered by the Bank of Russia on August 27, 2015 under number 3030. Closed-end real estate mutual fund "Sberbank - Rental Business" - rules for trust management of the fund were registered by the Bank of Russia on February 25, 2016 under number 3120. Open-end mutual fund of bonds "Sberbank - Fund" bonds "Ilya Muromets" - the rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on December 18, 1996 under number 0007-45141428. Open-end mutual fund of shares “Sberbank - Share Fund “Dobrynya Nikitich” - the rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on April 14, 1997 under the number 0011-46360962. OPIF mixed investments“Sberbank - Balanced Fund” - the rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on March 21, 2001 under number 0051-56540197. Open mutual fund of shares "Sberbank - Fund of shares of small capitalization companies" - rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on March 2, 2005 under the number 0328-76077318. Open-end mutual fund of bonds "Sberbank - Risky Bond Fund" - rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on March 2, 2005 under the number 0327-76077399. Open mutual fund of shares "Sberbank - Natural resources" - the rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on August 31, 2006 under the number 0597-94120779. Open mutual fund of shares "Sberbank - Telecommunications and Technologies" - rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on August 31, 2006 under the number 0596- 94120696. Open investment fund of shares "Sberbank" - Electric power industry" - the rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on August 31, 2006 under the number 0598-94120851. Open-end mutual fund of funds "Sberbank - America" - the rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on December 26, 2006 under the number 0716- 94122086. Open-end mutual fund of shares "Sberbank" - Consumer sector" - the rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on March 1, 2007 under the number 0757-94127221. Open-end mutual fund of shares "Sberbank - Financial Sector" - the rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on August 16, 2007 under the number 0913- 94127681. Open-end mutual fund of shares “Sberbank - Active Management Fund” - the rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on October 11, 2007 under the number 1023-94137171. Open-end mutual fund of funds "Sberbank - Emerging Markets" - the rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on September 28, 2010 under the number 1924- 94168958 OPIF of funds "Sberbank - Europe" - rules of trust management of the fund are registered by the FSFM of Russia on February 17, 2011 under the number 2058- 94172687. OPIF of shares "Sberbank - Global Internet" - rules of trust management of the fund are registered by the FSFM of Russia on June 28, 2011 under number 2161- 94175705. Open mutual fund of funds “Sberbank - Global Debt Market” - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on November 30, 2010 under number 1991-94172500. Open mutual fund of funds "Sberbank - Gold" - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on July 14, 2011 under number 2168-94176260. Open mutual fund of bonds "Sberbank - Eurobonds" - rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on March 26, 2013 under number 2569. Open mutual fund of funds " Sberbank - Global Engineering" - the rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on July 5, 2016 under number 3171.
Mutual investment funds represent investors' funds that are pooled and entrusted to management companies. Today, mutual funds are a relatively new, but dynamically gaining popularity, financial instrument that allows ordinary Russians to receive stable passive income.
Sberbank's mutual investment funds are very popular among individuals, making very profitable transactions with deposits of private investors.
Every citizen can become a client of a mutual investment fund and use an available financial instrument for safe enrichment Russian Federation who has reached the age of majority.
Today, pensioners who are allowed to independently form an optimal investment portfolio can also entrust asset management to mutual funds from Sberbank. To determine which fund to entrust asset management to, you need to consider each proposed project in more detail.
This group of mutual funds (investment) can include the following financial instruments: Dobrynya Nikitich, Active Management Fund, Securities Fund of Small Capitalization Companies, etc. To choose the most profitable project, individuals need to study in detail all the conditions created by the management company for investment:
The above financial instruments belong to the category of mutual investment funds of the classical type. When forming their portfolios, they use securities (securities) of companies whose capitalization level exceeds 10 billion US dollars.
Currently, Sberbank Asset Management CJSC is developing dynamically and investing funds of shareholders in various sectors of the economy. For Russian citizens, trusting domestic market real estate, the following investment projects were developed:
The main goals of these mutual funds include generating income from any real estate transactions: sales of city apartments that were purchased at the construction stage, acquisition of objects for subsequent rental, etc.
Considering this group of mutual funds as investments, the following projects should be highlighted: Biotechnology, America, Europe, Emerging Markets,
Global debt market. Those wishing to become shareholders of Sberbank Asset Management CJSC should familiarize themselves with the conditions of financial instruments available in this category:
It is worth noting the Open Mixed Investment Fund “Balanced Fund”. The management company distributes shareholders' funds among bonds and securities (securities) of domestic issuers.
The cost of 1 item is 62,138.86 rubles, which is placed for a period of up to 3 years. The Global Engineering Fund (new) provides for investing money in such sectors of the economy as mechanical engineering and technology.
CJSC Sberbank Asset Management occupies a leading position in the domestic financial market. To date, the value of his assets exceeds 3.9 million US dollars. The dynamic development of mutual funds from Sberbank is due to the involvement of the best investment portfolio managers in cooperation.
Before purchasing securities (securities), they conduct a comprehensive check to determine the credit rating, the presence of risks and predict the level of profitability. Based on the results of 2015, several of the most successful investment projects can be identified:
IN Lately There is an increase in activity in the telecommunications sector. Many companies operating in this sector of the economy serve the population of the country and have excellent prospects for them in the next 3 years.
This rapid growth can be explained by the regular increase in average wages and a decrease in unemployment in Russia.
To become private investors and purchase shares of Sberbank mutual funds, individuals must have at least 15 thousand rubles on hand. The condition for investing in Sberbank mutual funds is the additional purchase of shares in an amount exceeding 1.5 thousand rubles. To join the mutual fund to an individual you need to act in a certain sequence:
IN last years Mutual investment funds from Sberbank have become popular among the country's population. Many Russians have already become private investors in these funds, which they leave positive reviews on thematic Internet resources. By entrusting asset management to mutual funds, shareholders will be able to reap many benefits:
Modern financial system offers many tools for increasing your own savings. One of them is Sberbank shares, which allow you to receive your share in the organization’s chosen investment project and subsequent income from it.
You can increase your savings different methods. The most popular and easiest way for ordinary citizens is to participate in mutual funds. Mutual funds are a collective tool for increasing finances by pooling funds into a special fund. It is managed by organizations with a special license. Sberbank mutual funds are among such companies.
Various segments of the population invest in investment funds. Traders and other people in the organization manage these finances by purchasing and selling securities. The difference from the purchase and sale becomes profit or loss. The trust management of Sberbank and other companies working with mutual funds is built on this. Sberbank am ru users can buy shares online.
Investment funds receive their main income from the sale of securities. To quickly make money on mutual funds, you need to purchase shares when their value decreases and sell when they increase. There is another group of investors who make balanced deposits for a long period of time. The advantage of this tactic of trading and managing shares is the statistical approach, which states that the value of securities increases after a few years.
The global and domestic financial markets are unpredictable, as evidenced by feedback from shareholders. With 100% probability, no one will be able to predict which investment deposit in Sberbank will bring you a large amount of money and which will become unprofitable. All responsibility for the shares falls on the investors themselves, therefore, especially for the convenience of clients and financial planning, there is a mutual fund profitability calculator in your personal account.
The company is engaged in the implementation of medium- and long-term financing. Sberbank's investment portfolios are varied. You can invest money in natural gas and other resources or donate them to the development of small businesses. It is possible to purchase shares in America. Any adult citizen of the country can make investments in Sberbank. Thanks to trust management, the client does not need to learn the intricacies of stock trading. On home page The website of investment projects presents the profitability of mutual funds by year.
The program is based on an investment in the iShares NASDAQ Biotechnology ETF. The turnover includes shares of pharmaceutical and biotechnology companies. The price of shares is determined by the dynamics of NASDAQ Biotechnology. The program is designed for long-term investments. Over the past 3 years, the Sberbank Biotechnology Mutual Fund has demonstrated a steady decline in share prices and excessively high risks.
Investments under this program are directed to domestic companies operating at the state, municipal and corporate levels. The profitability of the mutual fund Ilya Muromets has increased over the past 3 years. The program demonstrates a low level of risk and is suitable for novice investors. The minimum deposit is 15,000 rubles, and it must be kept for at least a year.
The program is aimed at financing enterprises operating on the World Wide Web. Sberbank Mutual Fund Global Internet demonstrates stable growth of shares along with a high level of risks. Investments occur not only in Russian, but also foreign enterprises operating in the Internet sector. Average term investment period is 3 years. A sharp decline in share prices is possible in the short term due to fluctuations in the global technology market.
Under this program, all investments are directed to second- and third-tier enterprises. Sberbank's risky bond fund demonstrates an average increase in share price of 39%. Asset diversification among industries is high. Before choosing an investment object, Sberbank traders analyze its credit history. The risk level of this program is at an average level, as is the minimum investment period of one year.
The program is aimed at investing in companies related to the oil and gas industry. Over 3 years, the Dobrynya Nikitich Sberbank fund demonstrated an increase in share prices of 43%. The basis of the investment portfolio is liquid shares. Some finances may be used to purchase shares of promising second-tier enterprises. Shares are selected after checking companies for reliability. The main share of the portfolio consists of fixed income instruments. A decrease in the value of shares is possible in the short term due to fluctuations in the financial position of the markets.
The program offers to invest your assets in promising enterprises in Russia and the CIS. A low level of risks is achieved by converting funds into a currency other than the ruble. The yield on Sberbank Eurobonds over 3 years reached 96%. The minimum investment period for this program is 1 year, which makes it ideal for beginner shareholders with a large starting capital. Diversification of assets by industry is high. Investors can independently manage their financial portfolio.
Investors under this program will be able to sponsor any Russian enterprise. This fund mainly includes organizations involved in production consumer goods, telecommunications network maintenance and finance. Shares of Sberbank Consumer Sector have risen in price by 92% over 3 years. But along with the increase in the value of shares, investors must be prepared for a high level of risks. A large share of the shares of this program belongs to foreign enterprises.
A profitable way to invest money in financial institutions other than mutual funds is through deposits. Their main advantage is stable but small profits. If you decide to invest money in Sberbank mutual funds, then first familiarize yourself with their annual profitability and risk schedules. It is better for novice investors not to take risks and transfer finances to funds with low risks. As you analyze the market and learn the basics of investing, you can move on to projects with a high level of risk and profit percentage.
The price of shares directly depends on the stability of the country's financial situation. The highest growth in value is shown by Sberbank investment products with a high level of risks. The growth in share prices in low-risk projects reaches 25% over 3 years. average cost shares sold by the company is 850 rubles. 48 kopecks The highest share price is for the Ilya Muromets fund. You can study the current cost of Sberbank mutual funds of any program of interest on the company’s official website.
Investments in any organization must be effective from a financial point of view. The rate of return is an actual indicator that confirms or refutes the profitability of securities. In order not to make a mistake with the choice investment project and not lose your own savings, we suggest you study the rating of Sberbank mutual funds.
| Fund name | |||
| Sberbank – Electric power industry | The shares are distributed among Russian grid, distribution and generating companies. The fund's portfolio is diversified. | The share price has increased by 84% in 3 years. Average level of enterprise reliability. | High level of risk. Ruble investments. The investment period is at least 3 years. |
| Sberbank – Telecommunications and Technologies | The fund's portfolio consists of shares of regional telecom operators, enterprises operating in the field of information technologies and media sector. | Investments in foreign currency and rubles. Increase in the value of shares by 14% over 3 years. | |
| Sberbank – Global Internet | Investor shares are distributed among large Internet sector ETFs and Internet businesses. | Increase in profitability by 36.5% over 3 years. Investments in foreign currency and rubles. | High level of risk. The investment period is at least 3 years. |
| Sberbank – Active Management Fund | The fund's funds are transferred to Russian companies with high growth potential and a high level of volatility. | The share price has increased by 59% in 3 years. | High level of risk. The investment period is at least 3 years. Deposits in rubles. |
| Sberbank – Small Cap Equity Fund | Investor shares are distributed among second-tier companies that demonstrate high growth and reliability. | Investments can be ruble and foreign currency. Profitability over 3 years increased by 58%. | High level of risk. The investment period is at least 3 years. |
| Sberbank - Emerging Markets | The fund's finances are invested in the Vanguard FTSE EM ETF with diversification by country and industry. | The share price has increased by 61% in 3 years. | High level of risk. The investment period is at least 3 years. Currency deposits. |
| Sberbank - Gold | Finance is invested in the PowerShares DB Gold Fund ETF, designed for long-term capital growth. | Increase in value over 3 years by 30%. Suitable for diversifying savings. | Medium risk level. Investments in foreign currency assets. The investment period is at least 3 years. |
| Sberbank - Biotechnology | The portfolio contains shares of the iShares NASDAQ Biotechnology ETF. | The ability to carry out passive capital management. | High level of risk. Currency investments. Investment terms are at least 3 years. Decrease in share price by 17% per year. |
| Sberbank – Risky Bond Fund | Funds are transferred into Russian ruble bonds of companies in the consumer and financial sectors from the second and third echelons of reliability. | Increase in the value of shares over 3 years by 40%. Acceptable level of company reliability. | Medium risk level. Investment period is at least 1 year. Investments are only in rubles. |
| Sberbank – Bond Fund Ilya Muromets | Shares are distributed among state, corporate and municipal companies. | Low risk. Stable increase in share price by 19% over 3 years. | Investment period is at least 1 year. |
At the end of June, Sberbank Asset Management launched a service for remote opening of individual investment accounts(IIS). Now new and existing clients have the opportunity to open an IIS through Personal Area on the company website my.sberbank-am.ru/. To do this, it is enough to register on the State Services portal - authorization of users opening an IIS online is carried out through unified system identification and authentication (USIA).
Sberbank Asset Management invited clients to start using investment instruments through their personal account at the end of last year - then the management company launched. Now, for investors who do not have the time or desire to visit the company’s office, broader investment opportunities are available - opening an individual investment account.
The minimum contribution when opening an individual investment account in Sberbank Asset Management is 100 thousand rubles. Through his personal account, an investor can make additional contributions in the amount of 50 thousand rubles. But through physical sales channels minimum amount The contribution will be 100 thousand rubles. The investor can replenish the account until the total amount of contributions for the year reaches one million rubles. Until recently, the investment opportunities of account holders were legally limited to 400 thousand rubles. But at the beginning of summer, up to 1 million rubles to an individual investment account. Wherein, maximum size The tax deduction remained unchanged - 52 thousand rubles can be received the very next year after depositing 400 thousand rubles into the IIS.
Today, two investment strategies are available to clients who have remotely registered an IIS with Sberbank Asset Management - “Dollar Bonds” and “Ruble Bonds”. The company targets conservative investors and positions IIS as an alternative to deposits. And given falling deposit rates, it is a very profitable alternative. At the end of 2016, the profitability of the Ruble Bonds strategy was 12.23%, and the profitability of the Dollar Bonds strategy was 4.98% (in US dollars), the company said in a statement. Moreover, the final profitability result will be even higher, taking into account the tax deduction.
By the way, it is important to note that the management company’s remuneration for opening an IIS through a personal account is 0.25% quarterly of the amount of funds transferred by the client to the IIS from the date of opening the IIS until the end of the quarter for which the remuneration is withheld.
When opening an IIS offline, the management fee will consist of two parts:
1% of the amount of funds transferred by the client to the IIS, including additionally transferred during the quarter in which the IIS was opened, and 0.25% quarterly of the amount of funds transferred by the client to the IIS from the date of opening of the IIS until the end of the quarter , for which the remuneration is withheld, reduced by the amount of the first part of the remuneration.
“For us, sales through a personal economic account are more interesting than using physical channels (sales in offices). There is no need to share the commission with agents, and this is a significant part of the margin. Accordingly, it is more profitable to use digital channels,” says Vasily Illarionov, head of the business development department, managing director of Sberbank Asset Management.
It must be said that Sberbank Asset Management did not become a leader in the remote opening of individual investment accounts and did not even enter the top 10 pioneers. Today, the opportunity to open an individual investment account through a personal account is provided by about two dozen brokers and management companies. All of them open an account with confirmed registration on the State Services portal. And some - for example, Alfa Capital, BCS, Broker OTKRITIE - are even ready to open an account using SMEV (a system of electronic interdepartmental interaction by checking a set of data - for example, passports, TIN, SNILS).
We have already done great review in order to help you navigate the offers of brokers and management companies and decide. The principles for choosing a broker or management company for opening an IIS online remain the same)
According to Vasily Illarionov, pilot sales of IIS online began in the first quarter of 2015, and the product began to be sold at full capacity through premium channels (Sberbank Premier) from the fourth quarter of 2016.
“The updated office was launched on the eve of the new year. Initially, only the functionality of purchasing and exchanging shares of open-end mutual investment funds was available in it. Now you can already apply for an IIS. We will further improve the functionality through Internet acquiring (the ability to pay with plastic cards directly in your personal account), identification not only through the government services portal, but also through the unified system of interdepartmental interaction (SMEV) in order to remove the filter in the form of the mandatory presence of a confirmed account for clients on the government services portal,” he notes in an interview with banki.ru.
Currently, low deposit rates do not provide the desired return to investors, which makes mutual funds the most attractive and popular. However, it is worth keeping in mind that mutual funds are risky investments, so you should be responsible in selecting a management company.
Mutual investments are a rational alternative to deposits, with the help of which you can not only save your money, but also increase it. Profitable terms and high profitability of mutual funds is offered by the largest bank in Russia - Sberbank. Before making an investment, you must have general idea: what is the Sberbank Mutual Investment Fund.
Sberbank Mutual Fund is an investment complex under the auspices of a management company, the purpose of which is to increase the value of the fund’s property, which in turn consists of shares - units of fund property (investor assets).
The meaning of the mutual fund's work is in its equity participation investors, whose profitability is distributed between them and legal entities fund.
Mutual Fund operating algorithm:
The work process for all mutual funds is identical. The general algorithm of work gives investors a certain confidence in reliable calculations, since the management company, registrar and depository are interconnected with each other and control the entire work process, and their activities are verified by an auditor.
A Sberbank specialist will advise optimal options mutual funds, and the investor will be able to choose one or several suitable ones from them in order to improve overall performance indicators.
In the future, an agreement is concluded, as when opening a deposit.
When paying through a bank, a commission is charged:
The management company of Sberbank has wide range mutual funds, and you can manage investments and track investment dynamics through your personal account on the bank’s website.
To do right choice, it is necessary to compare them in terms of profitability and risk level, but do not forget: what more profit, the higher the risk.
Sberbank's existing mutual funds are divided into mutual funds:
Sberbank biotechnology
Mutual Fund "Biotechnologies" invests in an American exchange-traded fund that owns shares of biotechnological and pharmaceutical organizations. The annual share price decreased by 7%. Sberbank biotechnology is a type of fund.
Mutual Fund Ilya Muromets
The Ilya Muromets Fund invests in government bonds. It is low-risk, the return over the last 3 years is just under 25%. Refers to types of bonds.
Global Internet
The Global Internet Fund provides an opportunity to receive a return of 76.5% over three years. Refers to mutual funds of shares.
Sberbank - Risky Bond Fund
The Risky Bonds Mutual Fund invests in securities of Russian companies and is distinguished by an average level of risk and high profitability. Refers to types of bonds.
Mutual Fund Dobrynya Nikitich
The Dobrynya Nikitich Fund invests in shares Russian companies with high potential for growth and liquidity. The yield is about 60%, refers to the types of shares.
Eurobonds
The risk of the Eurobonds mutual fund is low, the yield is about 95%, it belongs to the types of bonds.
Sberbank Mutual Fund "Consumer Sector"
The Consumer Sector Fund invests in foreign and domestic companies with dynamic development. Return of more than 107% over three years. Refers to types of shares.
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