Gazprombank, PIF (unit investment funds): deposit features, rate and quotes

Where is the most profitable way to invest money? Perhaps, this is a key issue that worries all investors. There are many financial instruments: from high-risk PAMM-accounts, in which the income is up to 100-110%, to bank deposits at 4-5%, but with a guarantee and insurance of the account. We will talk about such a financial investment tool provided by Gazprombank, a mutual fund, or a mutual investment fund. Further details about what it is, and on what conditions investors invest in it.

Mutual Fund: History and Concept

A mutual investment fund is a joint venture of investors who trust their money to invest in various financial instruments: stocks, bonds, real estate, precious metals, energy, etc. They themselves can not do it for various reasons. Some have no knowledge and experience, others have time, others have both.

But, as they say, money should work, and they decide to give them to the trust management company. She, in turn, receives commission, and invests them in various tools. The problem is that no one gives guarantees of receiving income, and if investors' money "merges into a pipe", then no return is provided.

Mutual investment funds first appeared in the United States, in the distant 1924. But in the period of economic crises and financial illiteracy of the American population, no one believed them. The logic of people was simple: "We do not know these managers, where they will invest - do not assume". Let's agree that many today argue in the same way, although in the information age everything can be checked and everything is tracked.

Let's talk about Gazprombank, whose mutual funds are also widely represented. Further about this.

A little about the company

Bank "Gazprombank" - today one of the most famous credit institutions in Russia. A decade of successful work allowed him to earn many positive reviews about the work. But the deposits in it are low, like that of other credit organizations, no more than 5-7% per annum. Given inflation in 2015 at 12%, we can conclude: the longer the population holds money in bank accounts, the more it loses them in real terms.

Since 2004, a subsidiary company, MC Gasprombank, has been opened. The young company quickly began its development in the investment market. In 2015, won the award for managing the target capital. To date, you can choose different products for investment: Mutual Funds of Gazprombank, bonds, shares, etc. Let us list a few of them.

Gazprombank: PIF "Bonds Plus"

The mutual fund is designed for investors who want to reduce their risks to a minimum. The goal is to provide income higher than bank deposits and inflation. The managers invest the funds of the shareholders in bonds with a high level of the confidence rating, including federal loan bonds (OFZ). Of course, the income from these operations is lower than that of other investment instruments, but the safety of capital is a priority. Here the principle "better than a bird in hand" is valid.

Yield of Mutual Fund "Bonds Plus"

If we analyze the growth schedule of Bonds Plus from Gazprombank, then from July 2013 (the date of formation) to June 2015, the yield was about 35%. In annual terms, this is about 12%. The percentage, it can be said, is quite good compared to bank deposits of 5-10%.

Of course, the mutual fund was not always growing - from December 2014 to March 2015, it was heavily "sunk" from 10% to 5%, which was very alarming for many investors who, amid economic sanctions, began hurriedly withdrawing their money, fearing losing everything. But after March, the mutual fund grew actively without serious hesitation.

Those who do not quite understand what mutual funds are, let's say that Gazprombank does not provide any guarantees - the value of the mutual fund can both grow and go into negative territory. Shareholders are not insured against bankruptcy, in contrast to deposits in the same bank.

Gazprombank: PIF Gold

Those who predicted the sanctions and devaluation of the ruble and invested in the UIF "Gold", did not regret their choice. The price of gold, namely, this precious metal is invested from this fund, is tied to the dollar exchange rate. Recall that the devaluation and, as a consequence, the fall of the ruble since 2014 almost collapsed. This means that exactly the same number of all ruble investors lost, except for those whose deposits were in currency and precious metals.

Since the very beginning of its existence, since July 2013, the mutual fund, as they say, has been feverish. Until September 2014, the rate of return fell to minus 20%, but still went to zero. Let's say that even 1% of profitability for a year of investment is unprofitable, since in this case it is not any better than keeping money at home under a pillow.

Inflation was observed at 12%, which depreciated investments in real terms. But this is not to blame Gazprombank - PIF, or rather the price of gold, it did not depend on it. But it is worth noting that the company that manages investments, should assume all the fall of the market. If she does not know how to do this, then, in fact, why is she needed? But we will not delve into the discussions about the effectiveness of the strategies, but we will proceed to further analysis of the mutual fund "Gold".

Since October 2014, namely against Russia, sanctions have been introduced, and the national currency has depreciated, assets began to show growth. Only from October 2014 to mid-February 2015, it reached almost 90%.

Those shareholders who "endured" received a reward for the time when they cursed Gazprombank, UIF, and generally all capitalism as a system. Such a percentage of yield does not give even high-risk assets to various PAMM-accounts, where the probability of losing all capital is very high.

After such a rapid fall, the mutual fund sank, and the total profit from July 2013 to July 2016 was just over 60%, which, in fact, is 20% per annum.

General problems of investors

It is worth noting that ruble investments lost half due to economic sanctions and devaluation of the national currency. Any percentage less than 100, in fact, is unprofitable for investors.

While investments in foreign currency earlier than in 2014 retained the real value of capital to date, despite the fact that their revenues are zero.

General conclusions

To invest in mutual investment funds or not is an individual matter. Let's just say one thing: if a company invests your money, it does not mean that the person himself remains "lying on the stove" and does not think anything, expecting big profits.

The responsibility for profit or loss lies entirely with the investor. Therefore, it is necessary to weigh everything well, to consider where to invest your money. Mutual funds, of course, will yield an income higher than the bank deposit, but do not forget that in case of loss, no one compensates for hard earned savings.

Despite the fact that Gazprombank is a stable credit institution, it does not guarantee compensation when investors lose capital invested in its mutual funds.