Mutual funds of Sberbank. Reviews about mutual funds Sberbank

If it's time to think about where to invest the accumulated or earned any amount of money, and the word "investment" does not say anything about anything, then you have reason to rejoice. In order to receive passive income, there is no need to study financial science for a long time, remember complicated terms, understand graphs and schemes, analyze the market fall, gain experience, and learn the intricacies of playing in the securities market. Do not reinvent the wheel, it has long been thought of.

What is the unit of Sberbank?

Mutual funds are a complex that is based on trust management of the resources (property) of funds by management companies. Their main functions are to increase the value of their units. PIFs are formed on the basis of private investors' funds. The main purpose of investment funds is to obtain profits from assets that are securities: bonds, stocks, etc.

An investor in a UIF can be any individual who acquires shares - securities that confirm the owner's right to a part of the fund's property. At the same time, regardless of their number, each investor has the same amount of rights. The profit from assets is distributed among the shareholders in proportion to the number of units.

Sberbank. Asset Management

Mutual investment funds are an optimal option for investing free funds with a limited time limit and a small amount of knowledge. But, it would seem, a simple way out of investment puts for itself the following tasks, namely: the choice of a company or a bank that are going to operate with someone else's money. As a rule, first of all, the largest players of the financial sector come to mind. And Sberbank in this line, of course, takes a leading position.

Until 2012, the management company of this bank was named "Troika Dialog". Today, Sberbank calls its offspring the most specific - "Sberbank Asset Management". The essence of functions does not change from this. Clients are offered a fairly large list of funds for investment. Sberbank's mutual funds are represented in all sectors of the Russian economy. At the same time, the value of the unit is initially 15,000 rubles. Further fees are much lower - from 1,5 thousand rubles.

Even considering that the experience of working with a large number of mutual funds of highly professional managers is more than 10 years, it is necessary to know both the negative and the positive aspects of investing money in mutual funds and have at least minimal notions on how to choose a fund.

Investment portfolio

By 2014, Sberbank Asset Management offers potential shareholders a choice of 23 mutual funds. Each of them has both attractive sides and alarming ones. So, for example, the UIF of Sberbank bonds "Ilya Muromets" offers potential shareholders a fairly high unit value, a balanced allocation of funds for investing in several sectors of the economy and low risks.

For fans of "hot" always there is a proposal. One of the most profitable funds is the "Risky Bond Fund". At the time of its foundation, the unit cost was 1,700 rubles. By May 2014, it had grown to 2.5 thousand rubles. But the profitability in comparison with other funds is simply amazing: 29.4% for 36 months, for the last period from January to May 2014 - almost 3%. And this despite the fact that the majority of mutual funds for 5 months not only did not increase the value of shares, but reduced them to a minus. What is the secret of the success of this fund?

Components of the portfolio

The management company distributes funds to securities of various issuers. To ensure that the reader is not completely confused in terms, we will deal with this by the example of one of the funds - the PIF Dobrynia Nikitich. "Sberbank Asset Management" founded this complex in June 1997. The issuers of Dobrynia Nikitich are Russian companies with high liquidity and growth potential, namely those working in the following spheres:

- oil and gas;

- telecommunications;

- Finance;

- the consumer sector;

- Media and IT;

- chemical industry;

- the property;

- transport.

All shares of issuers can be called a component of the investment portfolio. But this is not an exact definition. Buying a fund unit with small risks, a novice investor should remember that its yield is rather low. That's why more experienced shareholders advise "not to put all the eggs in one basket." Optimal will be the option of investing in at least two different funds: mutual investment fund with high risks and profitability and mutual funds with low risks and stable profitability. Such an allocation of capital, as a rule, is most effective.

Profitability

The choice of the company is carried out to assess the effectiveness of management. It is in comparison with the profitability achieved and potential. But the future client will certainly not find information about it. The potential profitability of SIF mutual funds can not be officially advertised by the management company. Only past achievements can serve as an indicator of effectiveness.

Reviews and evaluation of funds

If, for starters, the investor has nevertheless chosen Sberbank Mutual Funds, the feedback of experienced shareholders on the Internet about their profitability will be the first step to a clear picture of the work of the management company. Communication in forums, as a rule, does not reveal any figures and percentages, does not carry a full analysis, but it is useful from the point of view of the practicality of choosing an investment portfolio.

Evaluation of the funds at the stage of determining which of them is worth investing, still have to be done on their own. This task is not too complicated. On the official website of Sberbank, a report on the management company's work is presented in the form of tables. They contain complete information: the names of the funds, the value of the unit in each of them, the yield for 36, 24, 12 months of work, as well as for the past period of the current year.

SIFs of Sberbank of Russia - the advantages of choosing

1. The biggest plus is that almost everyone can join the fund without having special knowledge. The mutual fund does not require the investor to understand all the subtleties of the process, constant attention and monitoring of capital growth. This is entirely the responsibility of the management company.
2. The second plus is a consequence of the first: saving the customer's personal time. The reliability of the bank is expensive. There is no need to spend time on constant control over the course of market falls and ups, to participate directly in the process and so on. As soon as the client of the Savings Bank buys a share in the mutual fund, professional managers start to deal with his securities.
3. Available amount of down payment. 15 thousand rubles - a small starting capital for the start of investment activities.
4. Uncomplicated design. To join SIFs of Sberbank, it is enough to have only the necessary amount of money and a passport. The client of the management company must write an application for the purchase of the unit. And that's all. To sell a share is as easy as buying, that is, it is also enough to write an application in the office of the management company.
5. Liquidity of the units. SIFs of Sberbank of Russia are quite diverse in their characteristics. There are funds with high profitability and high risks and, on the contrary, with minimal risks, stable income, but high liquidity. Such mutual funds assume the sale of a unit quickly, with the least amount of time and with virtually no loss in value.
6. Taxes. They are subject only to the yield of mutual funds of Sberbank. To be more specific, the net profit. It is tax deducted automatically, at a rate of 13%. Naturally, there is no need for an independent submission of a declaration to the tax inspectorate.
7. Diversification of investments. To reduce possible risks, the shareholder's funds are distributed to purchase bonds and shares in various sectors of the economy of the Russian Federation. This allows the investment portfolio to become more resilient to market failures.
8. Security of investments under state control. The risk of irretrievable financial losses is minimized, since the deposited money of the shareholders is not stored in the accounts of the management company. The funds are transferred to a special depository. Control over it is carried out by state bodies.

Minuses of investing in mutual funds

1. No guarantees. Not one investment fund does not give confidence that the shareholder will make a profit in this or that period of time. Everything depends on the behavior of the market and how experienced and qualified the fund's traders are. Risks are always present.
2. Overestimation of the value of the unit. This is done to attract new investors. The mechanism of overstating is quite simple. Before the reporting period, the management company buys shares of those enterprises that are already in the portfolio, thereby increasing its value. Naturally, the price rises and the share. After the reporting period, unnecessary shares are discarded. The value of the unit falls.

The overall result

To start investment activity is most practical, investing money in mutual funds of Sberbank. Profitability, feedback, the maximum of open information, accessible reporting is confirmed.