Imali Mutual Sberbank. Ukuphonononga ye Savings Bank Mutual Funds

Ukuba ixesha lokucinga malunga nalapho nokutyala imali okanye wazuza nayiphi na imali, kwaye igama elithi "utyalo-mali" phantse akukho nto ithi uba nesizathu sokuba nemihlali. Ukuze ufumane ingeniso zezenzi, akukho mfuneko yokuba ixesha elide ukuze bafunde isayensi zemali ukucengceleza amagama ezintsonkothileyo, ukuqonda iigrafu neetshathi ukuhlalutya ukuhla kwimarike, ukufumana amava emsebenzini, ukuba bafunde ubuqili umdlalo kwimarike izibambiso. Akukho mfuneko uzakhe kweevili ezijikelezayo, oko kudala babecinga up.

Yintoni mali mutual Sberbank?

imali Mutual - imbaxa, esekelwe kulawulo trust (asethi) iinkampani zolawulo mali. Owona msebenzi wabo - ukwandisa ixabiso share. imali elinganayo kwakheka kwi isiseko abatyali - abantu. Intsingiselo esisiseko ye-mali mali ukuze ufumane imbuyekezo kwi asethi ukuba izibambiso: iibhondi, izabelo, etc ...

Abatyali-mali efanayo ukuze nabani yabucala uzuza izabelo - izibambiso engqina ilungelo umnini inxalenye asethi zeNgxowa-mali. Ngenxa yoko, kungajongwanga inani labo, yomtyali nganye unawo amalungelo afanayo. Gain on-asethi zisasazwe phakathi zabelo ngokobungaphi benani leeyunithi.

Sberbank. ulawulo lweempahla

imali Mutual - imali best ukhetho imali eyintsalela kunye umda ixesha elifutshane, yaye kukho imali encinane ulwazi. Kodwa mali ezibonakala zilula ecima ngenxa misebenzi ilandelayo, eyile ukhetho zenkampani okanye ebhankini, nto leyo kuthathwa ukuba ukusebenza kunye imali nabanye abantu. Njengomgaqo, kuza engqondweni kuqala kukho abadlali enkulu kwicandelo zemali. Kwaye Sberbank kulo, Kakade ke, usesikhundleni phambili.

De-2012, inkampani abaphathi ebhankini igama "ingxoxo bamaZwe". Namhlanje Sberbank ubiza indalo yakhe imixholo - ". Sberbank Asset Management" Kakuhle eli imisebenzi akatshintshi. Abathengi angabona uluhlu kunokuba elikhulu imali mali. imali Mutual Sberbank zimelwe kuwo onke amacandelo ezoqoqosho Russian. Ngexabiso elifanayo isabelo ekuqaleni-15 amawaka engange. iminikelo Eminye ngokuphawulekayo ephantsi - 1.5 amawaka engange.

Nokuba ucinga ukuba amava okusebenza kunye nenani elikhulu mali mutual kakhulu abaphathi professional yiminyaka engaphezu kwama-10, kuyimfuneko ukwazi zombini imiba yokuzalisa imali kwiingxowa mutual ezimbi nezilungileyo kwaye kufuneka ubuncinane ngcamango amancinane ukuba ukhethe njani fund.

ipotifoliyo yotyalo-mali

Ngo-2014, "Sberbank Asset Management" inika zabelo ezinokwenzeka ukhetho kwemali mutual 23. Ngamnye kubo ngesandla njengento enomtsalane, kwaye ezothusayo. Ngoko ke, umzekelo, imali mutual Sberbank "iikulya Muromets" imixokelelwane zinika zabelo ezinokwenzeka ixabiso eliphezulu le yunithi, ulwabiwo elungeleleneyo imali mali kumacandelo eziliqela kwezoqoqosho kunye neengozi ephantsi.

Kuba abalandeli "shushwana" kusoloko kukho isithembiso. Enye imali inzuzo i "Fund imixokelelwane kuyingozi." Ngelo xesha ixabiso layo kokusekwa isabelo yaba 1700 engange. NgoMeyi 2014 waphakama ku 2.5 amawaka engange. Kodwa isivuno kuthelekiswa nezinye iingxowa nje emangalisayo: 29.4% iinyanga-36, phakathi kwesithuba sokungenelela ukususela ngoJanuwari ukuya Meyi 2014 - phantse-3%. Kwaye oku nangona uninzi mali mutual ngaphezu kweenyanga ezi-5 kuphela akazange ukwandisa ixabiso iiyunithi, waza wayicola lokususa. Yintoni imfihlelo yempumelelo yale fund?

Amacandelo yepotifoliyo

Le nkampani yolawulo isasaze la mali izibambiso benkampani ezahlukeneyo. Ukuze umfundi ekugqibeleni ndade sididekile ngokwemiqathango, makhe ukuhlangabezana nalo umzekelo omnye mali njengoko - Fund Mutual "Dobrynya Nikitich". "Asset Management Sberbank" Kuye kwamiselwa le ezintsonkothileyo ngoJuni 1997. Benkampani "Dobrynya Nikitich" - inkampani Russian kunye amatyala ophezulu kunye nokukhula, oko kukuthi, abasebenza kwiindawo ezifana:

- oyile negesi;

- lothungelwano;

- yezimali;

- icandelo komthengi;

- media ne-IT;

- imboni chemical;

- real estate;

- izithuthi.

Zonke Izabelo benkampani ukuze kubizwa ngokuba yinxalenye investment portfolio. Kodwa oku kwakuhlaziya inkcazelo echanileyo. Ukuthenga fund share kunye nengozi ephantsi, umtyali labaqalayo kufuneka sikhumbule ukuba inzuzo kunokuba eziphantsi kwayo. Kungenxa yoko le nto zabelo abanamava ukucebisa "musa ukubeka onke amaqanda akho ngobozini-nye." Uhlobo eliphezulu iza imali imali ubuncinane ezimbini ezahlukeneyo: funds efanayo kunye emngciphekweni omkhulu ndibuyele kunye funds mutual kunye nengozi ephantsi kunye nokubuyisela ezizinzileyo. distribution shishini lobeko lidla ukusebenza liphezulu.

inzuzo

Ukukhethwa Company wenziwa ukuvavanya ukusebenza yolawulo. Oku kuthelekiswa isivuno iphunyelelwe kwaye namandla. Kodwa umxhasi wakhe olandelayo mhlawumbi akayi kufumana ulwazi. inzuzo elinokwenzeka mali mutual kwinkampani yolawulo esemthethweni Sberbank ayikwazi isaziso. Kuphela wokugqibela impumelelo yayo ayanceda sisalathisi ngobuchule.

Ingxelo kunye novavanyo asethi

Ukuba ngaba umtyali-ukuqala kodwa bakhetha imali efanayo Sberbank, izigxeko abanamava zabelo kwi Internet malunga nenzuzo yabo iya kuba linyathelo lokuqala ukuya umfanekiso ocacileyo umsebenzi kwinkampani yolawulo. iiforam zengxoxo, njengoko umthetho, ayichazi ukuba naziphi na manani kunye umdla engawuthwali kuhlalutyo ngokupheleleyo, kodwa iluncedo ngokoMthetho ukubaluleka ngokukhetha i portfolio yotyalomali.

Uvavanyo lwe-asethi inyathelo ukuqinisekisa, apho babo ezixabisa imali, kusafuneka siyenze ngokwakho. Lo msebenzi ayikho nzima kakhulu. I-website esemthethweni ye-akhawunti Savings Bank of umsebenzi kwinkampani yolawulo linikwa kwi ifomu tabular. Bona ziqulathe ulwazi olupheleleyo: igama le fund, ixabiso isabelo ngamnye kubo, imveliso ye-36, 24, kwiinyanga ezili-12 zomsebenzi, kwakunye kwisithuba edlulileyo yalo nyaka.

imali Mutual Sberbank of Russia - kunye akhethe

1. Uncedo inkulu kukuba-mali ingene phantse zonke, njengabangenanto ulwazi olukhethekileyo. Mutual Fund ayifuni-mali ukuqonda konke nezo inkqubo, Zilumkele esweni ukukhula kwenkunzi. Oku benza ngokupheleleyo kwinkampani yolawulo.
2. I-plus yesibini - sisiphumo sokuqala: ixesha lobuqu ukonga yoMthengi. Ukuthembeka ebhankini ixabisa kakhulu. Akukho mfuneko yokuba ukuchitha ixesha kulawulo esisigxina phezu ekuhambeni amahla zeemarike kunye ndinyuka, ukuba bathathe inxaxheba ngqo kwinkqubo njalo-njalo. Xa umthengi uthenga isabelo Sberbank kwi PIF, amaphepha akhe aqalile ukuzibandakanya abaphathi zobungcali.
3. Imali ekhoyo intlawulo phantsi. amawaka 15 engange - ingqukuva encinane start-up ukuqalisa imisebenzi imali.
4. Bulula design. Ukujoyina kwiingxowa mutual Sberbank ngokwaneleyo kufuneka ube kuphela isixa eyimfuneko imali yokundwendwela. inkampani ulawulo Client kufuneka angenise isicelo ukuthenga yunithi. Kuko konke. Thengisa pie kulula ukuba bathenge, oko kukuthi ngokwaneleyo ukuba babhale isicelo kwi-ofisi ye kwinkampani yolawulo.
5. Kwamatyala lwezabelo. imali Mutual Sberbank of Russia abasakwazi angafaniyo iimpawu zazo. Kukho imali isivuno eliphezulu kwaye olusemngciphekweni ophezulu kunye, kwelinye icala, kunye ingozi encinci, ingeniso ezinzileyo, kodwa amatyala phezulu. Ezi mali mutual zibandakanya intengiso share ngokukhawuleza inkcitho ubuncinane ngexesha apho luncinane okanye akukho ilahleko ngokwexabiso.
6. Irhafu. Bathi zixhomekeke kuphela ukuvelisa mali efanayo Sberbank. Ukuze ube ngakumbi ngqo, inzuzo net. Esusiwe irhafu ngokuzenzekelayo, xa umlinganiselo-13%. Kakade ke akukho mfuneko yokufayilisha eyahlukileyo isibhengezo ukuya kwiofisi yerhafu.
7. Guqulo mali. Ukunciphisa imingcipheko-mali zabelo eyabelwe kuthengwe imixokelelwane kunye noninzi lwezinto kumacandelo ezoqoqosho Russian kunokwenzeka. Oku kuvumela i investment portfolio ukuba eqinile ekuncipheni emarikeni.
8. utyalo Ukhuseleko phantsi kolawulo lukarhulumente. Umngcipheko ilahleko yemali angahlawulekiyo uyacutheka, kuba zabelo mali imali hayi zigcinwa kwi-akhawunti yolawulo yenkampani. Iimali zidluliselwa ukuya elinguvimba okhethekileyo. Ukulawulwa amagunya karhulumente phezu kwakhe.

Bendlela imali kwiingxowa mutual

1. Akukho zemvume. Akukho ngxowa-mali enye ayiboneleli isiqinisekiso sokuba zabelo iza kwenza inzuzo yothuba elithile sexesha. Yonke into ixhomekeke kwindlela yokuziphatha yemarike nendlela abanamava kunye nabarhwebi Fund abanezakhono. Iingozi ekhona njalo.
2. Ayengazibaxi ixabiso le yunithi. Oku kwenziwa ukuze bezimali ezintsha. indlela ndiyazibaxa ilula. Phambi ixesha ingxelo enkampani othenga kwizabelo ezo iinkampani sele kwiphothifoliyo, ukuze kwandiswe ixabiso layo. Kunjalo ixabiso iya phezulu kunye nesabelo. Emva kokuba ingxelo ixesha engeyomfuneko inyathelo reset. Yabelana ixabiso uyawa.

isamba

Qala imali kakhulu, utyalo-mali efanayo Sberbank. Sesivuno, ncomo, ulwazi loluntu iingxelo eliphezulu ezikhoyo ukuqinisekisa oku.