Sberbank mutual funds are an opportunity, even with a relatively small amount of free cash, to make a profitable and safe investment that will allow everyone to become a full-fledged participant in the stock market, without making any operations on their own and without having the special knowledge necessary for high-quality asset management.

The minimum amount in Sberbank is only 15,000 rubles, but you can buy, sell or exchange your share at any time.

Sberbank Asset Management (until November 2012 - CJSC MC Troika Dialog) is one of the oldest, largest and most successful asset management companies in Russia, operating since 1996, considered the founder of the domestic asset management industry. The company offers professional asset management services in the securities market using a collective form of investment - mutual funds (UIFs).

Mutual funds offered by Sberbank of Russia:

• OPIF of shares "Sberbank - Share Fund "Dobrynya Nikitich"
• OPIF of Sberbank-Metallurgy shares
• OPEIF of shares "Sberbank - Oil and Gas Sector"
• OPIF of shares "Sberbank - Consumer Sector"
• OPIF of shares "Sberbank - Telecommunications"
• OPIF shares "Sberbank - Financial Sector"
• OPIF of shares "Sberbank - Electricity"
• OPIF of mixed investments "Sberbank - Balanced Fund"
• OPIF bonds "Sberbank - Bond Fund "Ilya Muromets"
• OPIF of mixed investments "Sberbank - BRIC"
• OPEIF shares "Sberbank - Precious Metals Market Companies"
• OPIF of shares "Sberbank - Infrastructure"
• OPIF of shares "Sberbank - Fund of shares of small capitalization companies"
• OPIF bonds "Sberbank - Risky Bond Fund"
• OPIF of shares "Sberbank - Agrosector"
• OPIF of shares "Sberbank - Global Internet"
• OPIF of shares "Sberbank - Fund of shares of companies with state participation"
• OPEIF shares "Sberbank - Active Management Fund"
• OPIF of mixed investments "Sberbank-Balanced II"
• OPIF bonds "Sberbank - First Echelon Bond Fund"
• OPIF bonds "Sberbank - Eurobonds"
• OPIF of shares "Sberbank - Fund of Shares of the first echelon"
• IPIF of the commodity market "Sberbank - Precious Metals Fund"
• OPEIF "Sberbank - Money Market Fund"

Mutual funds of Sberbank of Russia are diverse in their characteristics. There are funds with high returns and high risks, and, on the contrary, with low risk, but not high, albeit a stable income.

Unlike a deposit, here you are not guaranteed a return, moreover, you can lose money. Judging by the feedback from our readers, this happens not infrequently.

The main disadvantage is the commissions when buying and selling a share.

Profitability can be estimated in the table: https://www.sberbank-am.ru/individuals/

Here, as elsewhere, there is a reservation that the previous profitability does not guarantee that the income will be in the future.

Opinion: if you look at the table above, it is obvious that telecommunications and the Internet are the most profitable investments. Meanwhile, for 3 years, Finances have gained well. Definitely, mutual funds are very long-term investments. Here, rushing from share to share is costly, if only because of the commission.

MC Sberbank Asset Management also deals with ISS and, but in those cases the entry threshold is much higher than just buying shares (from 3 million rubles).

The personal account, namely it is on the screen above, allows you to have all the statistics on your investments at any time, as well as buy and sell shares online. Sberbank has made a significant breakthrough in this direction.

Reviews of mutual funds of Sbrebank

He invested 200 thousand rubles in the mutual investment fund of the Electric Power Industry. For half a year, I lost almost 20 thousand thousand due to a decrease in the value of shares. It's good that we were able to quickly sell and exit. Shares of Russian companies are a risky investment.

Someone won:

I invested 100 thousand on a deposit and the same amount in mutual funds. The percentage on mutual funds for the year turned out to be slightly higher. With larger amounts, it would certainly be more noticeable, but I already think it was worth going to DU SB, since they have more interesting strategies and use various investment tools.

There is not a single person who could give a 100% guarantee and an answer to the question of which mutual funds of Sberbank private clients will bring good profits, and which ones will become unprofitable. The only person who is responsible for the state of their assets is their owner. That is why, in order to make it convenient to plan your financial condition and control your investment portfolio, a special calculator for the profitability of mutual funds is provided.

UK Sberbank Asset Management offers a wide range of mutual funds. Each of the projects is specialized in a certain industry - from IT technologies to natural resources.

If a company or organization is engaged in the implementation of long-term or medium-term financial investments, then your attention is given to the investment portfolio of Sberbank, it provides various types of financial investments. Someone prefers to invest in natural gas, and someone in other natural resources. Due to the fact that there is a trust management of the client's finances, the owner of the funds does not need to delve into the whole essence of what is happening and understand all the subtleties of the enterprise that he acquires.

Biotechnology Foundation

Companies engaged in biotechnological developments and pharmaceuticals are directly involved in this turnover of funds. This investment program is designed for a long-term investment, recently Sberbank, with regards to biotechnology, they demonstrate an increase in the value of their shares, which in turn indicates that the investor will have great risks.

Mutual Fund Ilya Muromets from Sberbank

This is a state program that does what helps to carry out work at the state level. This type of investment program is less risky, which is very optimal for those investors who are just starting to join this business. The value of the minimum contribution to this direction is 1000 rubles. but at the same time, the deposit amount is kept at the disposal of the bank throughout the year.

Global Internet — Mutual Fund of Sberbank

This investment project is very risky, but at the same time, more and more investors are willing to contribute their funding to software development, as well as to support those people who are engaged in activities on the World Wide Web. Recently, this kind of activity is gaining popularity and shows a stable growth of the stock, while the risks remain. In this direction, investment funds are used not only for Russian needs, but also for the needs of foreign enterprises. The average term of this investment activity is 3 years. As for the risk, the value of the shares, if it falls, it will be for a short period of time, because it all depends on fluctuations in the world market.

Promising bond market

As for the fund of promising bonds, Sberbank has recently begun to show average indicators in terms of value growth in relation to this investment program. Shares are growing at an average of 39% per year. But as for the diversification of assets, if we compare them with other industries, then it is very high. Before making an investment in this area, Sberbank conducts its analysis, studies the credit history of the enterprise, calculates the level of risk for this program and calculates the minimum investment period, based on which, on average, it is close to one year.

Investment project Dobrynya Nikitich

Given the investment company is directly related to the oil and gas industry, over the past three years of operation of this fund, Sberbank was able to demonstrate a 43% increase in the value of share prices. The value of the shares rises only after the company is tested for reliability. The main share of the investment portfolio is made up of those instruments that have a fixed income. Even if the share price goes down, it is for a short period, and yet it is connected with financial fluctuations in the market.

Mutual Fund Eurobonds of Sberbank

In Sberbank, asset management Eurobonds are mutual funds that have shown a steady positive growth trend over the past 3 years. This investment strategy helps the investor to invest money not only in the enterprise of the Russian Federation, but also in the companies of the CIS countries. This program carries a small level of risk associated with the conversion of funds. Well, as far as profitability is concerned, over the past 3 years, this type of investment has brought shareholders 96% of the profit. The minimum investment term in this portfolio is one year. This type of investment is very ideal for those investors who are just starting out.

Each investor, before investing his money, must analyze the current situation on the market, compare the indicators between the proposed investment projects, and only after a thorough analysis make his contributions.

Mutual investment fund Power industry in Sberbank

Mutual funds of Sberbank Energetika are aimed at investing in the shares of domestic companies specializing in the electric power sector, the provision of housing and communal services (for example, MOSENERGO, RUSHYDRO, etc.). Private investors are invited to invest for a period of 3 years. Investments in this fund involve a high level of risk and a high return (about 82% over 3 years).

Mutual Fund America from Sberbank

The America Fund directs assets to the US stock market and offers an opportunity for investors to capitalize on possible growth. The investment strategy is based on the dynamics of the S&P500 index. Investments in this fund are recommended to diversify the overall portfolio.

Consumer sector in Sberbank - mutual funds specializing in fast-growing stocks

This mutual fund is profiled on investments in the share market of domestic and foreign companies specializing in the production of consumer goods, banking structures, and telecommunications corporations. Over the past three years, the fund has shown a 75.21% increase in returns. The fund is among the leaders in terms of profit growth over the past 5 years. Stocks are selected based on thorough fundamental analysis by experienced portfolio managers.

Mutual Fund Gold from Sberbank

The fund, established in 2014, invests in the PowerShares DB Gold Fund ETF, which follows the price dynamics of gold futures. The purchase of shares of this mutual fund allows you to balance the overall investment portfolio.

Sberbank PIF Balanced

A balanced mutual fund is a project that specializes in mixed investments. A balanced portfolio allows you to achieve the optimal combination of moderate risk and predictable return. The increase in assets over the past 3 years will be 52.89%. The fund's assets are dynamically distributed between stocks and bonds.

How to buy mutual funds of Sberbank?

You can buy shares in 2 ways:

• when visiting a Sberbank office with a Premier service area (you must have a passport with you, the minimum investment amount is from 15,000 rubles);
• in your personal account on the website of the management company sberbank-am.ru (minimum for investments is 1000 rubles).

How to buy a mutual fund in Sberbank online? To purchase units, follow these steps:

1. Go to the website sberbank-am.ru
2. In the upper right corner, click on the "My Account" tab.
3. Enter your password to sign in to your account. Access can be obtained through the personal account of the State Services portal. In the first case, you need to click on the "Public Services" link and then on the "Continue" button.

   

   Login to the personal account of Sberbank

4. After that, you will be transferred to the State Services portal, where you will need to enter the login and password for this service and click on the "Login" button. From there, you will be automatically transferred back to the Sberbank website. If you are unable to register through the gosuslugi portal, you can access your account at the Sber office with the Premier service area.
5. In your personal account, go to the "Portfolio" tab.
6. Opposite the item "Mutual investment funds", click on the "Buy" button.
7. Select the appropriate mutual fund by investment area, profitability and risk level using filters and click on the "Select."
   
8. A pop-up window will appear at the bottom of the page, where you need to click on the "Continue registration" button.
9. Check the selected product and investment amount and click on the "Next" button.
   
10. Fill out the proposed form with personal data and details of your bank account (this is necessary to return the payment in case of an error). Click on the "Next" button.
11. Confirm the entered data by clicking on the "Confirm" button.
12. After that, an application for the purchase of shares will be generated. Write down or copy this number and payment date, as you will need this information when paying for a share through the Sberbank Online system.
13. Log in to your Sberbank@Online personal account and go to the Transfers and Payments section.
14. In the directory in the section "Insurance and investments" click on the link "Mutual Funds".
15. Click on the link "Sberbank Asset Management".
16. Select the name of the mutual fund, the application number, the date that you wrote down in paragraph 12, the name of the investor and click on the "Continue" button.
    
17. Confirm the operation via SMS.

Within 5 business days after paying for the purchase in the investor's personal account in the "Portfolio" section, you will receive information about the purchased shares and a graphical structure of the portfolio will appear. Up to this point, the status of the operation can be tracked in the "History" - "History of Operations" section, where you can see that the application is at the "Processing" stage. You will receive an SMS on confirmation of the purchase of shares to the specified contact phone number. After that, in the "Portfolio" section, you will be able to monitor online the current value of the units and the amount of profit.

Sberbank asset management Mutual funds: profitability

The graph shows the return of funds for the last year (2017). From the above data, we can conclude that the best growth results were demonstrated by the Global Internet Fund. The funds specializing in real estate, Dobrynya Nikitich, Eurobonds, Natural Resources, went into the red.

In terms of yield over the past 3 years, the following mutual funds are leading, demonstrating growth of more than 61% (more than 20% per annum):

• Financial sector;
• Power industry;
• consumer sector;
• Natural resources
• Global Internet.

Detailed data are shown in the table:

Sberbank Asset Management: Mutual Funds or Myths?

We study mutual investment funds of Sberbank

It can be difficult for novice investors to understand exchange instruments and the nuances of trading through a broker. In addition, not everyone is satisfied with the profitability of bank deposits. Earlier, we already addressed the topic of mutual funds (). This review is dedicated to funds created and managed by Sberbank structures. As always, no advertising, only personal opinion with an eye to objectivity.

Getting acquainted with mutual funds of Sberbank

I have been blogging for over 6 years now. During this time, I regularly publish reports on the results of my investments. Now the public investment portfolio is more than 1,000,000 rubles.

Especially for readers, I developed the Lazy Investor Course, in which I showed you step by step how to put your personal finances in order and effectively invest your savings in dozens of assets. I recommend that every reader go through at least the first week of training (it's free).

Services for investing in mutual funds are now offered by various management companies. As soon as there is competition, specific conditions and profitability are of interest. So, mutual funds of Sberbank. They are directly managed by the subsidiary "" (website sberbank-am.ru). It has been on the market since 1996, but until November 2012 it was called Troika Dialog, after which it was bought out by Sberbank. At the moment, the company manages 21 open-end mutual funds (OPIF) and 5 closed-end real estate funds () with a total capital of 775 billion rubles. All of them differ in levels and profitability:

• Low risk and low return (most OPIFs are bonds);
• Average risk and average return (all CUIFs, OPIFs: Gold, Prospective Bonds and Balanced);
• High risk and high return (all open-ended shares, 4 open-ended funds).

As a rule, it is possible to purchase units of Sberbank closed-end mutual funds only when creating a fund. This is explained by the fact that by purchasing a number of objects, the fund stops investment operations in the market for several years and receives income from rental payments. In the future, he sells these objects at the highest possible cost in order to profit from rising prices. The owner of a REIT unit can receive passive income if the rules of the fund provide for this. The owner of the OPIF share has no passive income. Neither coupons nor dividends are paid to it, in which the fund invests. The only income that an investor can receive is the sale of a share more than the purchase.

Open mutual funds of Sberbank are divided by structure into bond, stock and mixed funds. Bond funds are recommended to conservative and novice investors due to the much less volatility in the value of the unit. Unlike a savings deposit, in mutual funds, the bank cannot guarantee either a fixed income or the absence of losses. In general, this type of investment involves long-term investments, given that not every year ends with a profit.

You can buy shares in 2 ways: at Sberbank branches or through your personal account. Acquisition through the personal account is made on the website of the management company or on the portal of the State Service (gosuslugi.ru). The online method is not only more convenient, but also more economical: if the minimum share in a bank branch costs 15,000 rubles, then only 1,000 rubles are enough to buy online. This allows even low-income people to form a diversified business. When buying and selling a share, agency commissions are generally charged. PJSC Sberbank or another bank operating under an agreement with the management company can act as an agent. These commissions are not related to the payment of money management services, they are taken for the execution of the transaction. When buying a share, the commission depends on the amount invested: if it is less than 3 million rubles, then 1%, and starting from 3 million rubles. reduced to 0.5%.

When selling a share, the commission is taken only if the investment period is less than 372 days. So, with a period of 180 days or less, the rate is 2%, from 181 to 371 - 1%. Mutual fund management services are subject to a commission, which depends on the specific fund and can vary widely (usually from 1.5 to 3% per annum). There is also a commission that the depository takes, and an item “other expenses”. In sum, all these expenses can "eat up" the investor's annual profit and even bring him a loss. As for, if the share was bought later than 01/01/2014 and was owned by the investor for more than 3 years, then no matter what the interest income during this time, you do not need to pay income tax (personal income tax) on it. The investor receives a tax exemption for long-term holding of securities (). The only limitation is the maximum amount of tax-free profit: no more than 3 million rubles. in year.

Profitability of mutual funds of Sberbank

The profitability of a particular fund can be found in its description, which contains brief statistics. But firstly, for a number of funds, data is available only for the last 3 years, and secondly, it is sometimes useful to compare the returns of this fund with the rest. Comparative statistics for all time are available at sberbank-am.ru/individuals/fund/yield/. And we must not forget that high returns in the past cannot be guaranteed in the future.

In this sample of leading funds over the past 3 years, the Natural Resources fund, which invests in the extractive industries, showed the highest return. More than 80% of its structure are shares of oil companies. During the period under review, a favorable conjuncture developed in this market. In the event of a strong fall in oil prices, the fund is at risk of large losses due to too high a share of one type of asset. Fund profiles (portfolio composition, conditions for buying and selling a share, profitability and volatility statistics) can be downloaded in pdf format at sberbank-am.ru/info_centr/#profiles, but in terms of volume and content, this information repeats that given online on the pages with a description of specific funds.

PIF "Biotechnologies"

An example of an industry-specific mutual fund is the Biotechnologies fund, which invests in the iShares Nasdaq Biotechnology index (stock ticker IBB). The shares included in it are listed on the stock exchange. In addition to this index, the Biotechnologies Fund invests in common and preferred shares of foreign companies operating in the biotechnology sector, but not included in the index. At the time of writing, the value of the share shows more than 22% loss over 3 years. The dynamics of the corresponding ETF from January 2001 to the beginning of 2014 showed significant growth:

The negative situation of the last 3 years is explained by the cyclical development of sectors of the economy. For example, the manufacturing sector progresses most actively in the first post-crisis years, the pharmacology and biotechnology sectors receive a development impulse a little later, and then follow the broad market dynamics. Such moments should be taken into account when forming a portfolio, diversifying risks as much as possible. The Biotechnology Fund was created recently and statistics on it are available only from June 1, 2015. At that time, the biotechnology sector was already in a phase of decline, so the fund does not look very attractive as a candidate for purchase.

Mutual Investment Fund "Consumer Sector"

This fund invests in consumer market companies - mainly Russian, with a small share of foreign ones. Almost 60% of the capital is concentrated in shares of retail chains. The fund is positioned by the management company as the leader in terms of profitability for 5 years. On the page of the fund itself, the yield graph is displayed only for the last 3 years, and on this interval the fund has a negative result (currently -1.65%). In general, for most of the history of the fund, its return has been lower than that of the industry benchmark, compiled from the Moscow Exchange Consumer Goods Index and 2 indices of relevant sectors based on the S&P 500.

Throughout 2018, there was a negative trend amid falling consumer demand. The fund was recognized as the leader as of December 31, 2016, but this information is indicated in small and pale print, and is almost invisible against the background of the rest of the text. This is one example of how a management company manipulates facts in a favorable light. If we consider the period from the foundation of the fund to the present, on the yield comparison page, while the "Consumer Sector" is still ahead, ahead of the "Natural Resources" fund.

PIF "Ilya Muromets"

One of the most popular mutual funds of Sberbank is the Ilya Muromets bond fund. He invests in Russian securities with a constant return: mainly in corporate, in a much smaller volume - in, regional and. The cumulative yield of the share over 5 years amounted to 38% (average about 7% per annum). At the same time, in the winter of 2014–2015, the peak drawdown reached 23%. The seemingly huge return of the fund since its inception (more than 6300%) is explained both by the long investment period and the high key rates of the Central Bank of the Russian Federation, which were in effect in 1997-2002. A commission of 1.5% is taken for asset management. Fund structure as of 11/30/2018:

In terms of profitability accumulated during the existence of the fund, Ilya Muromets leaves far behind the leader among equity funds, Consumer Sector. This once again emphasizes that investing is an occupation for many years, and reliability is preferable to risk. But another conclusion follows from this. Since bonds as a long-term asset are not inferior to stocks, it is easier and more profitable for an investor, even a beginner, to invest directly in bonds than in a fund. Thus, you can save on commissions and regularly receive coupon income.

Mutual funds of Sberbank, reviews from shareholders

According to Sberbank Asset Management, the company has 95,000 private clients. Despite this, there is surprisingly little meaningful feedback from shareholders. Moreover, if the positive responses are written in the style of “I am satisfied with everything, I recommend”, then the negative ones are quite detailed. Among the shortcomings, many investors indicate an opaque mechanism for accruing profits. By buying shares of one of the funds and simultaneously monitoring the performance of a portfolio of the same composition, they noted a much higher return of the portfolio.

Complaints about inattentive service and poor organization of technical support are very numerous. A detailed description of the real story of an attempt to buy a mutual fund of Sberbank: banki.ru/services/responses/bank/response/6418723/. The mistake of the bank employees with the transfer of funds, redirecting them from one account to another and the investor's attempts to get the money back took 3 months. And this is far from an isolated case.

conclusions

As an investment tool, Sberbank mutual funds do not demonstrate convincing returns on almost any of the time intervals. In theory, they could be seen as a low-budget replacement for a diversified stock portfolio. But in practice, the conservative bond fund takes the lead in terms of profitability. However, in this case, a more profitable alternative is investing in the securities themselves, which eliminates at least the payment of management fees and makes it possible to receive coupon income. In addition, numerous complaints about the quality of customer service are not in favor of cooperation with the management company of Sberbank.

If you have experience working with mutual funds of Sberbank, then write reviews in the comments.

All profit!

As you know, money should not be kept in a bank account or in a wallet, but should work for you. There are many ways to invest and earn money. They can be logically divided into stable and unstable. Bank deposits are stable investments. 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 that do not guarantee you a 100% 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 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 working 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 — purchased units can be sold or exchanged on any business day (units can be exchanged within open mutual funds 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 units 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.

Units of closed-end mutual funds are accepted only at a certain date and can only be redeemed on a certain date, according to the rules of a closed-end mutual fund. Basically, closed-end 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 made only in the 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)
• High-risk (These mutual funds invest primarily in stocks, they offer high returns, but the risk of loss is much higher. Suitable for experienced investors who are 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

At the 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
• Residential Real Estate Fund 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
• Foundation 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 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 medium risks and at the same time have a high income. In any case, when investing in a mutual fund, you should understand that the next normal income should be expected, on average, after 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 investments in units, it is profitable to invest online, because the minimum amount of investments online is only 1000 rubles.

Ways to buy mutual funds of Sberbank:

• Remotely through your Personal Account (You can choose, buy, redeem or exchange shares 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 investment 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 get the maximum return on your investment, then you can invest in mutual funds. Sberbank's subsidiary, Sberbank Asset Management, manages investment funds. 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 and the management company purchases real estate with its money - after a certain time, the property is sold and you are paid profit from the sale. The downside of a closed-end fund is the ability to invest in it only for a limited period of time and the ability to receive income only after the sale of real estate by the management company.

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%.

Attachments: 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, mutual fund units 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 the 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 it will be generated payment order, 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, but 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.