Mutual Funds: profitability rating. Rules for selecting mutual funds

Each investor wants to know where to invest with maximum profit. One such instrument is Mutual Investment Funds, abbreviated as Mutual Funds. The rating of their profitability is constantly changing, and depends on many factors. We will try to understand in more detail what kind of financial instrument it is, what advantages it has. More details on what Mutual Funds are, the rating of their profitability, and what they need to know before investing, later in the article.

What is mutual investment funds

The mutual fund is a kind of cash fund, consisting of shares (units) of investors without involvement of legal entities and banking organizations. Manages it, rather tries to increase these funds, the management company, with which they conclude an agreement. It gets a certain bonus for it, and investors - augmentation of capital.

A good example

For a better understanding, we simulate the situation: in the cooperative garden, an apple tree is sold, which in a year will bear fruit. One person does not have the opportunity to buy it, he invites friends to invest in the purchase of an apple tree together, in order to jointly generate income. As a result, they form a mutual fund and trust it to one person. Apple trees are bought, which in a year starts to bring income. Friends divide it according to the share in the fund. But there is no guarantee that the tree will not dry up tomorrow or will bear fruit. Friends can invest money and lose everything.

Mutual funds, whose yields can change every day, are structured in the same way. The management company attracts clients' money and forms shares from them. It does not mean anything if the name of the fund is associated with any bank, for example Sibbank's mutual funds are profitability, the rating is not guaranteed by PJSC "Sberbank".

An investor can also lose his money, despite the fact that the management company is really connected with it, unlike a bank deposit, the profitability of which is guaranteed both by the bank itself and by the insurance company, since all the population's deposits are insured for unforeseen situations

The first Mutual Funds

The first such financial instruments appeared in the United States in 1924. But during the economic crisis, the American population did not trust the management companies. To carry unfamiliar people money to own is not known what? - this was how ordinary citizens reasoned at that time.

Development of mutual funds

The boom in mutual funds came in the early 1950s. At that time, the US population was "ripe" for understanding such financial instruments.

In domestic markets, mutual funds began to appear in the mid-1990s.

Today in Russia the most stable company, which shows a positive dynamics in the growth of income of shareholders from year to year, is "Sberbank. Trust Investment Company ".

Types of mutual funds

Next, we list the types of mutual funds. The rating of their profitability, as well as the risks, directly depend on the type of the fund:

• Bonded bonds. The method of investing in bonds is considered the least risky, but the yield on them is lower than that of other types. It is believed that such a tool is needed to save capital without the threat of loss.
• Promotional. With the money of shareholders, shares of various companies are purchased, on the course of which both profits and losses depend.
• Mixed. An original golden mean in the investment strategy.
• Venture. Investors invest in securities purchases of companies that enter the market with various innovative products. More than half of them are unprofitable, but one successful transaction is enough, and all losses are compensated, and the profit will increase.
• Mortgage. Invest in the money of shareholders in residential or commercial real estate.
• Hedge. The most risky, but at the same time, the most profitable funds. The trust company monitors the market fluctuations, and adjusts to them, thereby playing on a decline, or growth.

SIFs of Sberbank: profitability. «Consumer sector»

Now, more about one of the investment products from Sberbank - the mutual fund "Consumer sector". Its advantages:

• Minimal risks.
• The possibility of a deposit of 15 thousand rubles.
• Simultaneously, you can invest in several mutual funds.

To date, the most successful mutual funds "Sberbank" (profitability) - "Consumer Sector". Reviews among investors, of course, are contradictory. But for 2016, the "Consumer Sector" is among the top ten among all investment funds by profitability. The sphere of consumer goods is least of all loss-making in crisis years, and, therefore, this tool, as before, has good growth prospects.

Risks

In spite of the fact that this is a financial extension from Sberbank, guarantees for the preservation of money and, especially, on income, it will not give. Mutual funds from the largest Russian bank to date, although they are among the most stable, but any day can also go bankrupt. Investors in this case will not receive insurance payments, since such instruments do not fall under the Law on Compulsory Deposit Insurance.

We hope that it is now clear what SIFs are of Sberbank. The yield on them can be from the negative balance to 30-50% per annum. This is much higher than deposits.

As a rule, they have limited SIFs of "Sberbank" profitability. This is understandable: the company "Sberbank. Asset management "tries to invest only in the audited assets in order to minimize possible losses. For example, such a unit investment fund as "Ilya Muromets" has a yield of 3% for only 14% per annum. Hence, negative feedback from start-up investors, which can be understood: even for a normal bank deposit without risks, with a program of deposit insurance (remember, mutual funds do not fall under it) for 3 years you can get more profit.

There is a possibility that in a few years the shareholder may even lose money from the initial deposit.

Therefore, it is necessary to think well before deciding whether to invest in such a financial instrument.

Analytics of the Consumer Sector

The mutual fund "Consumer sector" occupies one of the leading positions on profitability for 3 years at "Sberbank" - the profit was more than 130 percent. For example, compare with a bank deposit of 5-6%. Hence the conclusion - mutual funds can bring a significant profit, compared with conventional bank deposits.

But why this fund is the leader? It's all about the investment strategy: the UIF sends funds to the shares of Russian companies that produce consumer goods for internal use. Basically, these are three groups:

• Manufacturers of consumer products.
• Banking sphere.
• Telecommunications.

In the conditions of economic sanctions and counter-forces, as well as the crisis, this strategy is the most successful. But everything can change when the market starts to grow in other areas. Therefore, the investor needs to not only analyze the profitability for previous years, but also to delve into the economic situation in the country and the world.