Deposit rates today do not provide investors with the desired return. This leads to a continued increase in the popularity of mutual funds. Do not forget that mutual funds are quite a risky investment. Therefore, the choice of a management company should be approached as responsibly as possible. Sberbank's mutual investment funds are especially trusted, primarily due to the reputation of the financial group that created them. Let us remember that the funds used to belong to the oldest investment company in Russia – Troika Dialog. Several years ago, Sberbank acquired this investment company along with its mutual funds, and now the company is called Sberbank Asset Management.
To understand whether it is worth investing in Sberbank mutual funds, it is important to study the advantages and disadvantages of such investments.
Among the advantages are the following:
Despite the fact that investing in Sberbank mutual funds has a huge number of advantages, there are also disadvantages.
Management Company, part of the Sberbank group of companies, offers one of the most diverse lines of mutual funds in Russian market. In this case, investment management can be carried out through Personal Area. This is where you can perform all the necessary operations, as well as monitor the dynamics of your own investment portfolio.
For the right choice It is important to understand that Sberbank mutual funds in 2019 (as always) differ in the level of profitability and risk. As with other funds, the rule applies - the higher the profit, the higher the risk.
As you know, bonds are considered one of the lowest-risk securities. This is especially true for those issued by the state. Among the mutual funds in Sberbank, four are bond funds:
Those who are interested in the maximum profitability of Sberbank mutual funds should pay attention to equity funds. However, do not forget that these funds are characterized by a high degree of risk. Sberbank Mutual Funds offers a very wide range of shares:
Mixed investments in Sberbank are represented by the Balanced Fund. Its terms involve the distribution of capital between stocks and bonds. At the same time, the ratio of securities is constantly changing. The average level of risk here is combined with a return of about 65% over 3 years.
Most mutual funds involve a high level of risk (the exception is the Gold fund). At the same time, they show increased profitability. Below are the areas of investment, as well as the growth in the value of shares over 3 years for mutual funds.
In the sector of balanced investments, in which the level of risk and profitability are at an average level, closed-end real estate mutual funds are also distinguished. Unfortunately, for Lately all funds in this group showed a decrease in the value of shares. Nevertheless, they deserve attention. This is explained by the fact that the profitability of closed-end funds can only be judged when they expire.
Thus, Sberbank mutual funds represent a promising area for investment. It is important to keep in mind that most of them carry a high level of risk. Before investing, you should choose the optimal combination of profitability and risk. In addition, it would be a good idea to study reviews from clients who were already shareholders of the preferred fund.
Sberbank Asset Management is one of the largest trust management companies on the Russian market. The company has developed many investment strategies that differ in the ratio of profitability and risk.
Sberbank mutual funds are an opportunity to start investment activities even with a small amount. A mutual fund participant receives passive income without performing any actions and without having special knowledge in investing and risk management.
The minimum amount for participation 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 mutual fund assets are carried out by Sberbank Asset Management JSC.
Today, Sberbank Asset Management occupies a leading position in the market for trust management services, owning the largest market share of 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 fiduciaries who operate in the securities market.
A 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 on the securities market (stocks, bonds) and other assets.
The purpose of investing is to generate income by increasing the market value of these assets.
Today, Sberbank UA manages 19 open-end mutual investment funds and 3 closed-end real estate mutual funds, including the Ilya Muromets Bond Fund, Risky Bond Fund, Global Internet Fund and others.
All mutual funds offered by Sberbank Management are divided into groups according to the ratio of profitability and risk:
Mutual funds of the conservative and balanced segments offer moderate profits with a high degree of protection of the deposit from losses. Mutual funds of the aggressive segment can bring the unit owner a rapid increase in profitability with a high risk of profitability drawdown.
On the official website of Sberbank UA you can use special form to select an investment fund based on knowledge of financial instrument management, investment period and investment goals of the investor.
The returns of the funds are reflected on the official website of Sberbank Asset Management and depend on the management strategy of a specific mutual fund. It is worth noting that past performance does not determine future returns. Profitability may vary depending on the state of the market and the economy as a whole. Sberbank UA JSC does not guarantee the return on investments, since 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 across several areas of investment.
An investment share is a valuable registered security that confirms the owner’s right to a share of the mutual fund’s property. The share exists in a non-documentary form, that is, ownership of the share is based on an electronic entry in the register of share owners. Confirmation of share ownership is an extract from the register indicating the number of shares purchased and their value. The value of a mutual fund's assets may decline, thus the returns of the funds in certain periods may be negative.
It is important to understand that investing in mutual funds is a long-term investment of available funds. Therefore, if the profitability of a mutual fund decreases during a certain period, this is not a reason to sell the unit. Returns on mutual funds are calculated for the future.
The average return on mutual funds is 8-10% per annum with minimal risks. The cost of one share is calculated daily, based on the value of the mutual fund’s property.
By purchasing a share, an investor becomes the owner of investment shares. An upward change in the value of shares will mean the owner's potential opportunity to make a 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 when you sell your share. Profit is calculated based on the difference in the value of the share at the time of its purchase and sale.
Most people believe that investing is only possible 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 in Moscow, St. Petersburg and other cities, and other banks participate in
As you know, money should not be kept in a bank account or wallet, but should work for you. There are many ways to invest money and make money. They can be logically divided into stable and unstable. Stable investments include bank deposits. According to the terms of the deposit - after a certain time you receive your deposit and the interest specified in the agreement, risks in in this case you don't have any. Unstable investments are financial investments that do not guarantee you a hundred percent profit, but give you the opportunity to earn up to 60-70% of the investment amount, 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 from 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 receiving a significantly higher income than on bank deposits.
The algorithm for operating a mutual investment fund is extremely simple and consists of 4 stages:
Quite an interesting point that reflects the nuances of investing in mutual funds. So, let's begin:
The main advantage of mutual funds is the ability to invest in securities without the need to know the basics of working on a securities exchange.
Before choosing a particular investment fund, we recommend that you look at the history of changes in the value of its shares over previous periods and invest in the most successful and, in your opinion, less risky one.
Mutual funds can be open and closed.
Shares of open-end mutual funds can be redeemed at any time (on a business day) and their value is recalculated daily.
Units of closed-end mutual funds are accepted only within a certain period and can only be redeemed within specific date, according to the rules of a closed-end mutual investment fund. Closed-end mutual funds generally include funds that buy and sell real estate.
Mutual funds are presented in both rubles and dollars, but here you need to understand that when investing in foreign funds, mutual funds in rubles will decrease if the ruble exchange rate rises against the dollar. This happens because the purchase and sale of shares is carried out only in Russian currency - rubles.
All Sberbank mutual funds can be divided into three risk categories:
The special website of the Sberbank Asset Management company (https://www.sberbank-am.ru) provides all the current information about Sberbank mutual funds.
At the moment, the list of mutual funds in which Sberbank Asset Management offers to invest is as follows:
Open-ended bond funds:
Closed real estate mutual funds:
Open-end equity funds:
The income of a Sberbank shareholder is formed due to the difference in the value of shares upon purchase and their subsequent sale. Income is not guaranteed and depends on the activities of the management company and the market situation. Ownership of fund units is more than three years exempts you from paying income tax of 13%.
The profitability of mutual funds depends on many factors: the amount of investment in fund shares and the investment period. The average return is 40-70% of the investment amount per year. This percentage is 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 average risks and at the same time have high income. In any case, when investing in a mutual investment fund, you must understand that the nearest normal income should be expected in, on average, 1 year in the case of investing in bonds, 3 years or more in the 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, this is a commission when purchasing shares and a commission when selling them. There are no more expenses.
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 Sberbank mutual funds:
The cost of a share of each open-end mutual investment fund of 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 methods of the Bank of Russia.
So, let's briefly summarize the Sberbank mutual funds. If you want to get the maximum return on your investment, then you can invest in mutual funds. Investment funds in Sberbank are managed by the subsidiary company Sberbank Asset Management. The company website is https://www.sberbank-am.ru/. There you can, based on the dynamics of growth and decline in the value of shares, choose the most stable mutual fund in your opinion and invest in it. And then, at any necessary time, sell your shares at a 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 purchased shares at all for 1 year and simply follow the trend in changes 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 fund only at the moment the fund is opened - after collecting the required amount, the fund is closed and the management company uses its money to purchase real estate - after a certain time, the real estate 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.
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:
Recently, there has been 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:
