Forms of investment activity of commercial banks are classified on the basis of general criteria for systematizing investment types. However, it seems possible to single out a number of features of banking investment activity, which consists in the following classification of its types:
– real investments;
‒ financial investments;
‒ production investments;
‒ investments aimed at the bank's own development.
It is advisable to present this classification in the form of the following scheme (Figure 1.1):
Figure 1.1. Classification and forms of banking investments
Investment banking services can be classified in the same way. Investment banking services include:
Investment banking in the primary market valuable papers(underwriting services, dealer services);
Investment banking services in the secondary securities market (brokerage services, dealer services, services for managing a client's securities portfolio);
Investment banking services in the credit, money, foreign exchange markets, etc. (purchase on the initiative of clients of foreign currency, precious metals, etc.);
Services for the organization and support of mergers, acquisitions and restructuring of organizations.
Depending on the direction (goal) of investment banking services, it is proposed to divide them into three blocks: services to increase the financial resources of clients (due to their profitable investment), services to mobilize additional financial resources for clients (due to the use of bank resources) and services to conduct and accompanying mergers, acquisitions and restructurings (figure 1.2).
Figure 1.2. Investment banking
At the present stage of economic development, the investment needs of clients are so diverse that they already require banks to create investment products as a more complex form of combining investment and other banking services (Figure 1.3).
Figure 1.3. Scheme of creating an investment banking product
Thus, the investment banking product satisfies the client's investment needs (attracting additional resources to organize their activities) and investment intentions (the desire to receive additional income).
It should be clarified that simple investment banking products are formed on the basis of the provision of a basic investment banking service and related services, without which this product cannot be sold.
Comprehensive investment banking products are formed on the basis of the provision of basic investment banking services, accompanying and additional services. Additional services may not be provided, but they serve to fill a simple investment banking product in order to satisfy not one, but several needs of the client.
Packaged investment banking products are formed on the basis of the sale of several complementary banking products, while the basic banking product is investment, as well as products of other financial companies accredited by banks (or friendly) as a "financial supermarket".
Based on the analysis of the existing definitions of the concept of "investment banking product", it can be argued that an investment banking product in a general sense has all the characteristics that relate to a banking product in general.
However, there are some characteristics that can be attributed only and predominantly to an investment banking product:
An investment banking product is always designed for a long period of time;
Certainly refers to high-risk products in Russia, because due to a long period of time, the bank plans its activities (including investment activities) based on the forecast of future events;
The essence of an investment banking product should be adequately reflected in a more complex system of documents developed taking into account the economic benefits of the bank and the client, the amount of risk assumed by the bank and taking into account the current legislation (feasibility study of the project, business plan for the implementation of the project, expert opinions etc.);
The creation and implementation of an investment banking product depends not only on the bank and the needs of its client, but also on the investment policy of the state.
In accordance with the foregoing, the following definition of the concept is proposed: "an investment banking product is a set of banking services, the main of which is an investment service, aimed at comprehensive satisfaction of investment intentions and needs of customers."
The content of the investment product (number and combination of services) depends on market demands and the investment strategy of each particular bank.
The study allows us to present the "investment banking triad", which is the basis of investment banking (table 1.1).
Table 1.1
Main types of investment banking operations, services and products (with examples of products from the product line of Russian banks)
| Investment banking | Investment banking | Investment banking products |
| Investment banking operations for yourself: 1.Purchase, sale of securities in order to receive income due to changes in the market value of securities and accrued interest 2.Purchase of securities for the purpose of participating in the capital of the organization and managing it 3.Investment banking operations for the client: Purchase and sale of securities on behalf of the client, both at his own expense and at the expense of the client | 1. Brokerage services 2. Dealer services 3. Trust management services 4. Investment credit services 5. Issuing mediation services 6. Mergers and acquisitions services | Simple investment banking products: 1. Investment lending product. "Simple" - the investment product includes an investment loan for the modernization of old equipment for a period of 10 years at 10% per annum and a consulting service and consulting service continuation of table 1.1 Complex investment banking products: 1. Brokerage investment product "Without worries" - investment product 1.1. Brokerage services. 1.2. Depositary services. 1.3.Internet banking services 2.Dealer investment product "On our way" - investment product 1.1. Dealer services. 1.2. Depositary services. 1.3. Credit service in the form of an overdraft on the account when purchasing securities. Packaged investment banking products: "Turnkey merger" - a packaged product issuance mediation for the issue and redemption of shares of a new organization 2. The product for assigning an international rating to a new organization "Perspective" - a packaged product 1. Banking (deposit) product Deposit in rubles in the amount of 1,000,000 rubles, for a period of 1 year at 10% per annum, payment at the end of the term 2. Banking (investment) product Purchase of shares of an investment fund in the amount of 200,000 rubles for 1 year 3. Banking (investment) product Opening a CHI account for a period of 1 year in the amount of 100,000 rubles. 4. Card banking product Obtaining a credit card with a limit of 200,000 rubles. 19% per annum. 5. Remote banking product (mobile banking service, online banking service) |
How to check correctly investment company? What does the rating of the most reliable investment companies in Moscow look like? What are the features of an international investment company?
Hello readers of the HeatherBober online magazine! This is Denis Kuderin, investment expert.
We continue the theme of profitable investments. The question that will be discussed in detail and thoroughly in a new article is how to choose an investment company.
The material will be useful for both novice investors and those who already have some experience in financial investments.
So, let's begin!
1. What is an investment company and what does it do?
Remember the main postulate of business - "money must work"? So, profitable investing is the most affordable and at the same time the most effective way to make finances work for you.
Money that is kept "in a stocking" is lost money. Even in a month, their real value decreases by several percent, and over the year, inflation often reaches 10-12%.
Example
According to Rosstat (the main department of statistics in Russia), in 2015 the inflation rate in the Russian Federation amounted to 12.9%. And the cost of essential products increased by 15-17%.
Conclusion: capital should be invested in profitable investment instruments. Skillful investments create passive income - this type of income is ultimately sought not only by professional businessmen, but by all reasonable people.
4. Rating of TOP-7 investment companies in Moscow
To make it easier for our readers to navigate the boundless financial ocean, we have compiled our rating of investment companies for them.
The offices of the organizations below are located in Moscow, but this does not mean that residents of other cities cannot use the services of these companies.
Thanks to the Internet and the use of modern payment systems, you can make deposits from anywhere in Russia, as well as withdraw them to your accounts.
So, TOP-7 main players of the Russian financial market.
1) TeleTrade
A group of companies focused on various investment areas. Investors' money is managed by professional analysts, traders and brokers, making long-term and short-term investments in stocks, Forex market, futures, precious metals.
Among the advantages are 20 years of successful work in the investment market, training programs for clients (video tutorials and traditional training), information support for investors.
2) Simex
is an investment platform focused on online deposits. Not only residents of the Russian Federation, but also citizens of other countries can become investors. A wide range of investment projects - investments in shares, existing businesses and promising start-ups.
The list of the company's advantages includes the minimum amount of initial investment, the possibility of investing "in two clicks", earnings through an affiliate program with zero initial capital. Users can sell their shares to other members.
3)
The company was founded in 1994. It is a member of the National Stock Association, provides users with trading and brokerage services, as well as annual and current financial reports.
Clients have access to a unique service on the Russian market - individual investment accounts. There is also the possibility of buying / selling shares to individuals on the over-the-counter market.
- profitable investments in developing sectors of the Russian economy. Cooperation with legal and individuals, advice to investors, constant search for promising investment areas.
A course towards a stable income of depositors and direct participation in improving the economic situation in Russia. Full responsibility for the development and implementation of financial strategies of investors, insurance assistance in order to increase the security of clients.
A diversified investment company operating since 1992. It is included in the TOP-6 largest organizations of the Russian Federation in terms of the amount of capital raised. Laureate of the Russian award "Financial Olympus".
The list of investment products is extensive - brokerage services, online trading, trust management of capital, trading in the foreign exchange markets, venture capital investments, financial consulting.
- the company is part of the investment and construction holding E3 Group, founded in 2009. The main profile is investment in real estate. Keeps heading for long-term deposits(due to the specifics of the investment instrument).
Among the advantages of the company are the ability to start with a small (for the real estate market) amount (from 100,000 rubles), three types of insurance for each deposit, and collective investments.
7) Golden Hills
Professional management and increase of private capital. Guarantee 15% per annum with minimal risks for the investor. A new look at profitable investment and a new approach to financial management.
The company adopts the experience of Western investment companies and uses it in the Russian market. The list of directions for deposits includes stocks, bonds, gold, real estate, art objects, direct investments.
For clarity, we present the main characteristics of investment companies in the form of a table:
| № | Companies | Estimated Profit | Features of working with deposits |
| 1 | teletrade | not fixed | The possibility of trading on Forex through intermediaries |
| 2 | Simex | From 24% | Focus on modern online technologies |
| 3 | From 20% | Individual investment accounts for investors | |
| 4 | Depends on the size and type of deposit | Focus on investment in the Russian economy | |
| 5 | Depends on the choice of investment product | Large list of investment areas | |
| 6 | 25%-45% | Investments in liquid real estate | |
| 7 | From 15% | Deposits in Russia and abroad |
5. How to check an investment company - 5 signs that you are collaborating with scammers
In times of crisis, investors' risks increase. The point is not only in economic instability, but also in the increase in the number of various kinds of scammers.
Many swindlers are eager to cash in on the trust of depositors and invest their money not in profitable projects, but in their own pocket.
To protect your savings, act with the utmost caution. There are signs by which one can easily distinguish dishonest "merchants" from conscientious participants in the financial market.
Sign 1. Absence of open financial statements and other constituent documents
About certificates, licenses and other documentation, without which the existence of an official legal entity already mentioned above. I will add that self-respecting organizations are always ready to provide users with financial reports for the past and current period.
If a company claims to have a department of traders who earn money for investors in the currency / stock markets, it is obliged to present trading reports and trading certificates upon request.
Sign 2. There was no agreement between the investor and the company
Relations formalized in the form of an official contract are the basis of security and a long-term mutually beneficial partnership.
Often on sites it is offered simply to issue an offer - to put a tick in an electronic document. More reputable companies conclude real contracts with signatures and seals. Such a document, whatever one may say, inspires more confidence.
Symptom 3: There is no management photo on the company website
Without a photo of the head or members of the board of directors, the company's website looks somehow inferior, as if hiding something.
The modern capitalist world assumes that the money that the consumer has accumulated over a certain period of activity should work and bring him additional or basic income. For such purposes, funds can be deposited in depository accounts or invested in something.
In order to make deposits, you need to have at least some basic level of knowledge in this area. In addition, you need to familiarize yourself with the peculiarities in the activities of objects in the particular sector of the economy where you are going to invest. Now let's look at a few basic terms that will help you better understand the principle of the investment process itself.
The concept of investment goods is one of the fundamental in macroeconomics. It should be understood almost literally - these are goods that are purchased at the expense of financial investments and are used in the enterprise for the production of other goods and services. They are also used to expand production, increase its volume, increase capacity and modernize. All investment goods within a country collectively form its production capacity. The same applies to a single plant or holding, for example.
- Buildings necessary for organizing the manufacturing process of any product - workshops, railway stations, etc.;
- Ways of communication of various production capacities with warehouses and places of sale of goods - highways, highways, railways, waterways. Also, for some sectors of the economy, it is important to have gas pipelines, the construction of which is also carried out with invested funds;
- Mechanisms and equipment, on which the process of processing and manufacturing of products will actually take place;
- Office buildings and buildings of a state nature, which are needed not for production, but for the sale of goods, and, consequently, for the receipt Money to continue production.
What are investment products
There are several criteria for choosing an investment product. For example:
- An assessment of the reliability of a company offering you to invest in something. If a company is at the bottom of the rating list, this indicates its low level of reliability and makes you wonder whether it is worth cooperating with it;
- Legislative consolidation or prospectus. These documents describe the very essence of the investment product and are mandatory for it. If they are not there, then the investment product is not registered anywhere;
- A subjective, but often fundamental factor is the quality of service. If at the office of the company you were rude, rude and received at the wrong time, then there will be no desire to cooperate with this organization.
What is investment services
Investment services can be provided by various organizations. For example, this type of financial services includes investment consulting, that is, providing information of interest about investments, assistance in developing a behavior strategy with an assessment of the features of the investment sector, as well as the risks inherent in this process.
Most often they talk about banking investment services. They include:
- Redemption of securities in the financial market or sale to the first owner. In this case, the bank acts as an assistant and intermediary between the issuer, which places its shares, and the final investor, acquiring these shares;
- Mergers, acquisitions of companies and holdings, as well as their structural reorganization associated with such restructuring. In this case, the bank does not manage the portfolio, but finds a buyer for the shares, develops algorithms and plans to change the structural organization;
- Trust management. The client transfers to the bank the authority to manage the portfolio of shares. At the same time, the bank independently studies the peculiarities of the market, monitors its trends and risks;
- Brokerage in the implementation of the purchase / sale of some securities. The purchase is most often made at the expense of the client, but sometimes the bank can give him a loan to buy shares.
Do you want to make a profit by investing in an investment product? Every Internet user has probably come across such a proposal more than once. Especially if he is interested in Forex trading. Here the number of investment products is growing by leaps and bounds. But is it true that each of them is sure to bring high profits? What is generally hidden under the beautiful and clever phrase "investment product"? Let's try to find answers to these and other important questions.
Investment risks and opportunities.
Actually, investments are just one of the ways to allocate capital. Moreover, not the most reliable and not the most profitable. It is much more profitable to develop your own business. Although, you can achieve success in it only if you have good ideas, knowledge of your business, perseverance and, as a rule, hard work ... It is much safer to invest in a bank (better than some state savings bank, as commercial ones burst from time to time). The risks will be minimal, but the profits will be symbolic.
The advantage of the investor is that, doing practically nothing, he can "cut off" interest from his capital. Profits are higher than in bank accounts. But neither in Russia, nor in other countries of the world, the state guarantees the investor the safety of his capital. Therefore, he must always remember the probability of financial losses and choose the investment product in which the ratio of profit and risk will be optimal.
By the way, any object of investment is called an investment product: a contract, a business plan, property, - anything that can be profitably invested in large or small capital. If you buy a bond, a share in a fund, a stock, or a piece of property in a commercial company, you are investing in an investment product. You can invest in a portfolio that is made up of several assets at once. It can be structured by composing both highly reliable and highly profitable, but risky assets.
Just like on the stock exchanges, investments in Forex are made in order to invest them in profitable projects. Your money is needed by traders who know how to effectively manage capital and conduct profitable trading. Attracting investors is more profitable for them than taking, for example, loans. After all, the loan must be repaid within the agreed timeframe and with predetermined interest. If the borrower has problems, the lender will still demand their money with interest. The investor will receive income only when the product he has chosen turns out to be profitable.
The return on investment directly depends on the success of the manager. If the investment product turns out to be a failure and the trader loses capital, you will also be left without money. Therefore, it is so important to make the right decision when choosing an object for investment.
| Points | votes PER | votes AGAINST | Result | Vote | ||
| 1 | 1,025.00 | 154 | 34 | 1,145.00 | ||
| 2 | 1,025.30 | 121 | 31 | 1,115.30 | ||
| 3 | 1,034.00 | 50 | 6 | 1,078.00 | ||
| 4 | 1,032.20 | 43 | 13 | 1,062.20 | ||
| 5 | 782.00 | 89 | 12 | 859.00 | ||
| 6 | 335.60 | 268 | 7 | 596.60 | ||
| 7 | 318.00 | 79 | 13 | 384.00 | ||
| 8 | 317.50 | 89 | 31 | 375.50 | ||
| 9 | 329.50 | 43 | 5 | 367.50 | ||
| 10 | 303.00 | 74 | 13 | 364.00 | ||
| 11 | 270.20 | 78 | 20 | 328.20 | ||
| 12 | 226.00 | 64 | 23 | 267.00 | ||
| 13 | 196.60 | 34 | 17 | 213.60 |
Types of investment products in Forex.
Various services, financial instruments, portfolios, strategies offered by managers can become the object of your investments. Forex opportunities to invest in a standard product or create your own individual project are very high. With all our desire, we could not even list all of them. Let's take a look at some of the popular ones.
- PAMM accounts: You give your money to you management of an experienced trader. He performs operations on the Forex market simultaneously with his own and attracted capital, earning profit for himself and his clients. The manager's services are paid in the form of commissions from turnover or profit.
Advantages : Instead of you, an experienced trader who knows his business well and makes a minimum of mistakes is trading. The profitability of such investments is almost always higher than that of novice Forex traders trying to make transactions on their own.
Flaws : Guarantees for the safety of capital come down to the fact that in the event of bankruptcy, the manager will lose his money along with yours. But for various reasons, many PAMM accounts turn out to be unprofitable.
- Portfolios of PAMM accounts: You can choose several managers among whom you will distribute your capital. The rest is the same as in the previous paragraph.
Advantages : It is reliable that several managers will not drain deposits in unison, making the same mistakes.
Flaws : Portfolio performance looks like a cross between the results obtained from successful and unsuccessful traders. That is, you earn less.
- PAMM account indices: The product is very similar to a briefcase. The index is compiled by the brokerage companies themselves from several of the most profitable accounts. Profit is calculated as the arithmetic average of the results of all PAMM accounts included in the index.
Advantages : The choice of accounts for investment is carried out by specialists of the brokerage company, which allows you to avoid most mistakes at this stage. If the manager does not provide profitable trading, he is excluded from the index.
Flaws : All the same, the assessment of investment prospects is made on the basis of past performance of managing traders. We have to believe that in the future there will be no changes for the worse.
- Autotrading: Automatic copying of trades of successful traders, trading on signals or setting up robotic advisors. Transactions are made on your account, but without your participation.
Advantages : You can stop auto trading if you are not making a profit.
Flaws : Strict requirements for the minimum amount of invested capital. When the nature of the market changes, the signals may not work effectively.
- Strategy Portfolios: The broker tests a number of auto trading strategies, choosing the most profitable ones at the moment. A portfolio of strategies is being formed, which are offered to be set up on the trader's trading terminal. You just have to subscribe and start the transactions in automatic mode.
Advantages : Higher risk protection than investing in individual auto trading EAs or signal providers.
Flaws A: Usually an even larger deposit is required than for autotrading.
- Precious metals, CFDs, futures and other financial instruments in the Forex market: Actually, they can be traded as currency pairs. But it makes sense to keep positions open for many months, waiting for a significant change in quotes, which will actually become an investment.
Advantages : Prices for gold, oil, shares of the world's largest companies, etc. behave more predictably than currencies, which makes it easier to find a strategic entry point into the market.
Flaws : Despite the fact that you do not have to sit in front of a computer monitor all day, your risks are as great as those of other traders.
- Active investor- investment product of the brokerage company PrivateFX:
Advantages
: you can work from one trading account in several directions at once;
you can use the best strategies of each manager. At the same time, in real time, you can monitor the course of trade of traders, the investor selects to his taste those of them that correspond to his personal preferences. Get more profit compared to classic PAMM managers.
Flaws A: Usually an even larger deposit is required.
What investment products do the Forex market leaders offer?
The rating of the best investment products of 2017 includes companies that occupy leading positions in the Forex market. Let's see what investment products are available for clients of brokers who have received the highest scores from MasterForex-V Academy (more than 500 points).
- PrivateFX. The company offers PAMM-accounts, indices of PAMM-accounts and a new service "Active Investor", which is something between PAMM and autocopy, and also implies the ability to trade independently. By the way, this service helped the broker win the status of "Discovery of the Year" in 2015.
- fxpro. The company develops trading strategies for its clients, offers risk management systems, as well as special platforms for automated trading.
- Saxo Bank. The broker offers to invest in bonds, stock indices, futures, stocks, options and other instruments.
- You can invest in PAMM accounts, PAMM portfolios, investment funds and structured products.
- Swissquote. You can invest in funds, bonds, indices, futures and other instruments.
- Offers PAMM accounts, auto trading and creating trading strategies.
- FBS. The broker offers its traders and investors investments in the Forex currency market.
- . The broker makes it possible to invest in the following investment products: Project "Personal trader", "PROFIT-COPY", "Passive income" 26% per annum.
- The broker provides an opportunity to invest in CopyFX trade copy service and RAMM accounts.
- . This Forex broker allows its traders to invest in its PAMM service.
- . Forex market broker allows traders to invest in PAMM
- Alpha Forex. You can invest in precious metals, raw materials and energy, Eurobonds, US stocks, European stocks, Russian stocks, indices, forwards.
- . The Forex company gives you the opportunity to invest in LAMM and PAMM accounts. It is possible to connect trading signals from MetaQuotes.
- Instaforex. InstaForex provides the following investment instruments: Forex Options, ForexCopy System, PAMM System, InstaWallet System.
How to choose an investment product?
First of all, decide on two points:
- How much money do you head to invest?
- What is your goal?
Once you answer these questions, the choice of investment object will narrow down on its own. However, try to answer them correctly.
Unfortunately, the Russian layman still has to explain that it is better to keep the money set aside for treatment or education and not invest in risky enterprises. And even more so, you do not need to take a loan secured by a single apartment in order to make a profitable investment. It is accepted to invest only free funds, the probable loss of which will not lead to a significant decrease in your standard of living. If you calculate the amount of investment based on these considerations, no disaster will ever happen. Even if attempt number one fails, the second or third time you will beat off the losses.
Now about the goal. The primary task of an investor is to protect his capital from inflation. Over time, even the most reliable and highly liquid currencies depreciate. If they are not multiplied by at least the percentage of inflation, capital will evaporate like water from a puddle on a hot summer day. Alas, not all bank deposits can achieve at least this goal. On the other hand, conservative investment products with high guarantees make it possible to overtake inflation, receiving not only nominal, but also real profit.
There are many products in the Forex market that promise very fast capital growth. Naturally, the risks of such investments are high. Therefore, investors are not advised to invest all their money in strategies and traders that are characterized by an aggressive way of trading. Risky investment, of course. They may be present in your portfolio, but their share should be small, and possible losses should be covered by income from reliable instruments.
People pursuing the goal of getting rich quickly and easily, in 99% of cases “quickly and easily” lose capital. Choose investment products offered by serious companies. Check the effectiveness of strategies, managing traders, auto trading systems, etc. Do not rush to immediately invest more than the required minimum. Invest serious capital only in those products that you managed to test in the process of long-term cooperation.
Why do you need a MasterForex-V Academy rating?
The winner in the nomination will be the broker that will score the most points by the end of the year (the sum of points received from the experts of the MasterForex-V Academy and the votes of ordinary Forex market participants minus the “against” votes).
To take part in the voting, it is enough to register on the website of the MasterForex-V Academy and click on the appropriate button in the rating table. Only one vote for or against each broker can be cast from one IP address. Accordingly, each vote adds or subtracts one point.
The MasterForex-V Academy encourages voting participants to take a responsible approach to their choice. Vote only for (or against) those companies whose proposals you understand. It largely depends on you which of the nominees will become the winner of the rating of the best investment products of 2017.
Ratings of MasterForex-V Academy make it possible to determine the leaders of the Forex market by various parameters. For many traders and investors, they have already become a reputable platform for choosing the right brokerage company in which to place capital efficiently and safely.
You are not required to replenish the account at the beginning of the year. Convenient moment you choose.
For example, deposit a certain amount in March, and at the beginning of the next year you can claim a deduction. Make it in December - you can also count on a deduction on the same conditions. Which is especially convenient if, for example, at the end of the year you have a bonus, or the 13th salary.
It is important to remember that in order to receive a tax deduction, you need to have official income on which you would normally pay tax. That is what the state will return to you.
In order to receive the maximum deduction from 400 thousand rubles, it is enough to have an income of 34 thousand rubles.
What kind
there are risks
“Where will my money be all the time until I use it? Can I lose them?
These and other questions are asked by people who have never dealt with investments. The answers are very simple.
An income of 13% is guaranteed by the state.
This means that the investor, that is, you, does not bear any risks and cannot lose his money. All the time while you do not use money, and this is three years, they are stored on the stock exchange, and this is also a state structure.
Profitable investments
Your IIS can earn much more than 13%. The money that is in your account can be invested and receive additional income. Such investments will no longer be 100% safe. A simple rule works here: the higher the potential income, the greater the risks.
Federal Loan Bonds
The most conservative way to earn additional income with IIS is is to lend your money to the state. That is, buy Federal Loan Bonds. These securities are considered the most reliable, and here's why. You will not receive income from them only in one case, if the state declares a default. If this happens suddenly, bonds are the last thing that will worry you and me. This happens during wars, revolutions, or even rarer social upheavals.
Model portfolios and structured products
This is the name of the packages of securities that analysts select for you. After evaluating the risks, and they can be significant, you yourself decide whether such investments are convenient for you.
The choice of financial instruments is large, each has its pros and cons
Model portfolios are a ready-made investment tool. Analysts compile them for you, taking into account your preferences, such as return and risk. The higher the risks, the higher the profit. You can sell your model portfolio at any time and take profit or loss. But the money cannot be withdrawn from the account for 3 years, otherwise the tax deductions will have to be returned.
You don't need to have a lot of money to start investing. A small starting amount of only 50 thousand rubles is enough.
You choose the composition of portfolios yourself: your portfolio can consist of stocks, bonds, or a combination of both. It can be made up of securities in one sector, such as oil companies or US stocks. ITI Capital makes such portfolios.
How to buy
model portfolio
We have made this process as easy as possible. To buy a model portfolio, just press a couple of buttons in your personal account.
Securities portfolios are compiled by our company's analysts, so that everything works reliably, they analyzed each company whose shares or bonds were included in the portfolio.
It may also happen that our analysts no longer see growth prospects for a particular company. Then they remove the securities of this company from the portfolio and replace them. This procedure is called rebalancing your model portfolio. You can be sure that we closely monitor the market movement and quickly draw conclusions.
Investment risks
in model portfolios
Model portfolios, like any investment product, involve risks. It is impossible to avoid them, but you can competently diversify, that is, divide and reduce due to the fact that there are several securities in your portfolio.
If the portfolio consists of several securities, then the probability of your financial losses decreases mathematically. In addition, you will receive a 13% tax deduction in any case, you just need to have official income.
IIS for professional investors
Your individual investment account can be of two types. Under the first type, you get a 13% deduction at the end of the year from your official income.
The second type of IIS is convenient for those who have turned trading on the stock exchange into their main activity. You do not have an official employer, but you earn money through trading? Then trade on IIS and exempt trade from taxes.
To learn more
