Management Company Sberbank Asset Management is one of the leaders in the investment market. The company manages funds pension savings in NPFs, assets of insurance companies, mutual investment funds, assets of banks and individuals, funds federal budgets.
Sberbank Management Company offers services to investors
- Asset management through mutual funds;
- Financial planning;
- Maintaining IIS.
Sberbank Asset Management is considered the strongest team with unique knowledge that allows it to use several management strategies - from balanced to aggressive.
Sberbank management statistics:
- The company manages more than 523 billion rubles;
- 95,000 private clients;
- Market share of open-ended mutual investment funds – 24.8%;
- Reliability rating – AA+ (the highest, according to Expert RA);
- The company manages 20 open mutual funds.
The company cooperates with foreign and Russian brokers, which allows it to obtain good price conditions for executing transactions. Own analytical team with extensive management experience state assets and money from organizations will help you increase your savings through smart investing in mutual funds.
Asset management through mutual funds
Sberbank Management Company offers a wide range of funds - from classic to sector and country:
- Open-end bond funds (Ilya Muromets, Advanced Bond Fund, Eurobonds, Global Debt Market);
- Open-ended equity funds (Dobrynya Nikitich, Natural resources and Electric power industry, etc.);
- Open fund mixed investments(Balanced);
- Open mutual fund of Sberbank funds (asset management of the fund America, Europe, Emerging markets, Global mechanical engineering, Biotechnology Gold);
- Real estate EPIPHS (Residential, Commercial, Rental business).
Most mutual funds demonstrate high annual returns:
Ready-made solutions for your investments
Sberbank Asset Management is one of the largest trust management companies in Russian market. The company has developed many investment strategies that differ in the ratio of profitability and risk.
Sberbank mutual funds - an opportunity to start investment activity 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-end and interval mutual funds.
Sberbank UA works with private and institutional investors. Private investors include individuals who have made an investment in one of the mutual funds. Institutional investors are brokerage companies and trustees conducting market transactions valuable papers.
A mutual fund is a form of collective investment of funds that are subsequently allocated to trust management companies. 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.
Which mutual fund to choose?
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:
- conservative segment;
- balanced segment;
- aggressive segment.
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 at high risk profitability drawdowns.
On the official website of Sberbank UA, you can use a special form to select an investment fund, based on knowledge of managing financial instruments, investment period and investment goals of the investor.
Profitability of funds managed by Sberbank UA JSC
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 book-entry form, that is, ownership of the share is based on electronic recording in the register of shareholders. 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 long-term investment free Money. 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, the investor becomes the owner investment units. 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.
Is it worth investing in Sberbank Asset Management mutual funds?
Most people believe that investing is only possible if you have large sum money, special knowledge and constant monitoring of the economic situation. 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 investment funds. Only a few open in Moscow, St. Petersburg and other cities, and other banks participate in
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 a personal account on the company’s 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).
IIS without leaving home: details and mechanics
Sberbank Asset Management invited clients to start using investment instruments through your 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 the minimum contribution amount will be 100 thousand rubles. The investor can replenish the account as long as total amount contributions for the year will not reach 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 tax deduction remained unchanged - 52 thousand rubles can be received the very next year after depositing 400 thousand rubles into the IIS.
For clients who have remotely registered an IIS with Sberbank Asset Management, two options are available today: investment strategies– “Dollar bonds” and “Ruble bonds”. The company targets conservative investors and positions IIS as an alternative to deposits. And taking into account the falling deposit rates- 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.
The quieter you go, the further you'll get?
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 a large 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 plastic cards directly to 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 mandatory clients having a confirmed account on the government services portal,” he notes in an interview with banki.ru.
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.
(Open-End) Bond Funds
(Open-End) Securities Funds
This group of mutual funds (investment) includes the following financial instruments: Dobrynya Nikitich, Foundation active control, Small Cap Securities Fund, etc. To select the most profitable project, individuals need to study in detail all the conditions created by the management company for investment:
- Nikitich. This fund invests shareholders' funds in a wide range of Russian economy. Mutual Fund Dobrynya Nikitich is heading for long-term and high capital growth. When forming the management company investment portfolio Dobrynya Nikitich only liquid securities (securities) are taken into account. The investment horizon of Mutual Fund Dobrynya Nikitich varies from 1 to 3 years.
- Consumer sector. Individuals can entrust asset management to the Consumer Sector mutual fund for a period of up to 3 years. The management company bets on securities (securities) Russian companies(who are not export oriented) specializing in telecommunications, banking sector and other business areas aimed at domestic consumers. Mutual Fund Consumer sector accepts private deposits for a period from 1 month to 3 years. Today, the cost of a share in the Consumer Sector fund is 1998.99 rubles.
- Global Internet. The management company invests funds received from private investors in securities (securities) of enterprises that conduct their business in the field of Internet technologies. The Global Internet Foundation is interested in securities (securities) not only large companies, but also virtual stores and even online portals. Having decided to invest available funds to the Global Internet Fund, Russian citizens will have the opportunity to participate in the development of the domestic Internet sector. When forming the Global Internet investment portfolio, the management company considers securities (securities) of companies located on the markets of Russia and China.
- Small Cap Securities Fund. The cost of a share in this financial project is 3,908.63 rubles (contributions are made for a period of 3 years). The portfolio is formed from securities (securities) of not only Russian, but also international companies (small and medium capitalization).
- Natural resources. To entrust asset management to this mutual fund, Russian citizens will have to purchase at least one share, the cost of which today is 978.57 rubles. The portfolio is formed from securities (valuables) of all companies specializing in the extraction and processing of natural resources.
- Electric power industry. This mutual investment fund features increased returns. The price of 1 p. is 690.09 rubles. The portfolio of securities (securities) is formed through the acquisition of securities (securities) of all companies developing in the infrastructure and electricity sectors of the economy.
- Telecommunications and Technology. This mutual fund has good feedback from private investors who purchased its shares (price of 1 p. 3,271.36 rubles). When forming a portfolio, the management company invests the funds of shareholders in securities (securities) of both Russian and international companies.
- Active Management Fund. Shareholders' funds are invested not only in financial, but also in production instruments.
- Financial sector. Private deposits are invested in securities (securities) of Russian and foreign banks and insurance organizations, as well as companies specializing in finance. The cost of a share reaches 850.83 rubles.
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.
Investing in real estate
Currently, Sberbank Asset Management CJSC is developing dynamically and investing shareholders’ funds in various areas economy. For Russian citizens who trust domestic market real estate, the following investment projects were developed:
- Real estate (residential);
- Business (rental);
- Real estate (residential) 3;
- Real estate (commercial);
- Real estate (residential) 2.
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.
Investing in mutual funds
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.
Analysis of the profitability of Sberbank mutual funds and their prospects
CJSC Sberbank Asset Management occupies a leading position in the domestic financial market. Today the value of his assets exceeds 3.9 million American dollars. Dynamic development Mutual funds from Sberbank are 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:
- Telecommunications;
- Oil and gas sector;
- Ilya Muromets.
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.
How to invest in Sberbank mutual funds?
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:
- Choose a mutual investment fund (to do this, it is worth studying the reviews of private investors).
- Visit your nearest bank branch in person.
- Provide personal identification documents, fill out the form and application required to purchase a share.
- After completing the registration procedure, transfer the required amount of funds to the current account of Sberbank Asset Management CJSC.
What benefits can private shareholders get from joining Sberbank mutual funds?
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:
- Sberbank mutual funds carry out completely transparent activities;
- The management company does not take part in dubious and too risky projects;
- asset management is carried out by specialists of the highest class;
- portfolios of private investors are formed from securities (valuable) of various sectors of the national economy, etc.