Izimali Mutual Sberbank. Izibuyekezo ze-Savings Bank Izimali

Uma sekuyisikhathi sokuba cabanga lapho ukutshala ukonga noma wathola iyiphi imali, futhi igama elithi "utshalomali" cishe lutho uthi unayo, unesizathu sokujabula. Ukuze uthole imali yekwentiwa, asikho isidingo isikhathi eside ukufunda isayensi sezimali ngekhanda ngokuya eziyinkimbinkimbi, ukuqonda emagrafu nemashadi ukuhlaziya ukwehla emakethe, ukuthola isipiliyoni, ukufunda ubuqili umdlalo izibambiso emakethe. Akubalulekile ukuba reinvent isondo, ke Sekuyisikhathi eside kucatshangwa up.

Yiziphi mutual funds Sberbank?

izimali Mutual - kuyinto eziyinkimbinkimbi, okuyinto isekelwe trust ukuphathwa (amafa) izinkampani Isikhwama ukuphathwa. Umsebenzi wawo oyinhloko - ukwandisa ingxenye value. izimali Mutual akhiwa ngesisekelo zimali - ngabanye. Mayelana nencazelo eyisisekelo yegama izimali utshalomali ukuthola ukubuya zamafa ukuthi kukhona izibambiso: amabhondi, amasheya, njll ...

Kwabatshali-zimali Isikhwama mutual kungenzeka yimuphi umuntu yangasese ozuza ukwabelana - izibambiso eqinisekisa ilungelo umnikazi ingxenye amafa isikhwama sika. Ngakho, ngaphandle kokubheka inani labo, zimali ngamunye unamalungelo efanayo. Zuza zamafa wadibaniswa bamasheya ngokulingana nenani amayunithi.

Sberbank. ukuphathwa kwempahla

izimali Mutual - okungcono kukho nokutshala izimali isivuno sisiningi kakhulu khona izimali nge esilinganiselwe mngcele, futhi inani elincane ulwazi. Kodwa utshalomali obonakala ulula bakhipha yemisebenti elandelayo, okungukuthi kukhethwa inkampani noma ebhange, okuyinto zithathwa ukusebenza imali yabanye abantu. Njengomthetho, zifika engqondweni kukhona abadlali ezinkulu emkhakheni wezezimali. Futhi Sberbank kulomugca Yiqiniso, usesikhundleni okuholela.

Kuze 2012, inkampani ukuphathwa ibhange yabizwa ngokuthi "Troika ingxoxo". Namuhla Sberbank ubiza indalo yakhe isihloko esikhambisana - ". Sberbank Asset Management" Ingqikithi imisebenzi akashintshi. Amakhasimende uphiwa uhlu kunalokho enkulu imali utshalomali. izimali Mutual Sberbank emelelwa zonke imikhakha yezomnotho Russian. Ngezinye ukubaluleka efanayo isabelo ekuqaleni ayizinkulungwane 15 ruble. Eminye iminikelo kakhulu ephansi - ayizinkulungwane 1.5 ruble.

Ngisho uma ucabangela ukuthi lo nakho esebenza inqwaba mutual funds kakhulu abaphathi professional eseneminyaka engaphezu kwengu-10, kubalulekile ukwazi kokubili izici ezingezinhle futhi omuhle imali imali mutual funds kanye okungenani ibe umqondo sakugcina kanjani ukukhetha Isikhwama.

iphothifoliyo utshalomali

Ngonyaka we-2014, "Sberbank Asset Management" linikeza bamasheya ezingaba yokukhetha 23 mutual funds. Ngamunye wabo isandla njengoba ezikhangayo, futhi sibonakala sethusa. Ngakho, ngokwesibonelo, mutual funds Sberbank "Ilya Muromets" izibopho ukunikela bamasheya ezingaba value kuqhathaniswa eliphezulu iyunithi, wabela olinganiselayo izimali ukuze kutshalwe izimali kulezo imikhakha eziningana emnothweni nezingozi ongaphakeme.

Kubalandeli of "ibavuthela" kukhona sipho njalo. Omunye izimali enenzuzo kakhulu kuyinto "Isikhwama izibopho kuyingozi." Ngesikhathi ekusungulweni yayo ukubaluleka isabelo zaba ruble 1700. Ngo-May 2014-ke wasukuma ukuba ama-ruble ayizigidi 2.5. Kodwa ukuthela uma siqhathanisa nabanye izimali Yisimanga: 29.4% izinyanga 36, ngesikhathi sokungenelela kusukela ngoJanuwari kuya-May 2014 - cishe 3%. Futhi lokhu naphezu kweqiniso lokuthi iningi mutual funds phezu izinyanga 5 hhayi kuphela akazange ukwandisa ukubaluleka amayunithi, futhi yehlise ukuba a lokususa. Iyini imfihlo yempumelelo kwalesi sikhwama?

Izingxenye ze-portfolio

Inkampani ukuphathwa ihambisa izimali e ukuvikeleka kwamasheya issuers ezahlukene. Ukuze umfundi ekugcineni safike udidekile ngokuya, ake ukubhekana nalokhu njengoba isibonelo omunye izimali - Isikhwama Mutual "Dobrynya Nikitich". "Sberbank Asset Management" Umise eyinkimbinkimbi Juni 1997. Issuers "Dobrynya Nikitich" - inkampani Russian nge zezimali okusezingeni eliphezulu nokukhula ezingaba, okungukuthi, ukusebenzela ezindaweni ezifana:

- uwoyela negesi;

- ezokuxhumana;

- ezezimali;

- emkhakheni umthengi;

- abezindaba kanye IT;

- chemical umkhakha;

- umhlabathi;

- ezokuthutha.

Zonke Amasheya issuers kusengathiwa ingxenye iphothifoliyo utshalomali. Kodwa lokhu akulona ngempela incazelo enembile. Ukuthenga Isikhwama share nge obuncane, zimali saqala kufanele sikhumbule ukuthi inzuzo kunalokho yayo ongaphakeme. Yingakho bamasheya abanolwazi kakhudlwana ukweluleka "ungafaki onke amaqanda akho kubhasikidi owodwa." I okufana elilungile ngeke ukutshala izimali okungenani ezimbili ezihlukene: mutual funds kanye ingozi okusezingeni eliphezulu bese ubuyela futhi mutual funds kanye ingozi ongaphakeme nokubuyiselwa esitebeleni. okufana okunjalo ukulingana nokusatshalaliswa uvame ukusebenza kahle eliphezulu.

nenzuzo

Ukukhetha Inkampani senziwa ukuhlola nekusebenta ukuphathwa. It is kuqhathaniswa ne isivuno yafinyelelwa futhi ezingaba khona. Kodwa iklayenti wakhe ozayo cishe ngeke uthole ulwazi. nenzuzo ezingabangela mutual funds Sberbank olusemthethweni ukuphathwa inkampani angeke ukukhangisa. Kuphela wokugcina impumelelo yayo ongakhonza kube inkomba yokuthi kahle.

Impendulo nokuhlola amafa

Uma zimali ukuqala okwamanje ekhethiwe mutual funds Sberbank, ukubuyekezwa wazibonela bamasheya kwi-inthanethi mayelana nenzuzo yabo kuyoba isinyathelo sokuqala okumelwe abe nesitfombe lesicacile umsebenzi inkampani ukuphathwa. izinkundla Chat, njengoba umthetho, akazivezi yimuphi izibalo futhi isithakazelo ongaqhubeki ukuhlaziya egcwele, kodwa kuyasiza ngokuya usizo ukhetha iphothifoliyo utshalomali.

Kuhlola amafa esinyathelweni sokunquma, lapho babo nibaluleke sitshala imali, kusadingeka ukwenza ngokwakho. Lokhu akunzima neze ukuwabiza kahle kakhulu. I website esemthethweni ye-akhawunti Savings Bank umsebenzi wenkampani ukuphathwa uvezwa ifomu tabular. Ziqukethe ulwazi oluphelele: igama yesikhwama, ukubaluleka isabelo kwelinye nelinye lawo, isivuno for 36, 24, izinyanga ezingu-12 zomsebenzi, kanye esikhatsini kulo nyaka odlule.

izimali Mutual Sberbank eRussia - plus ukukhetha

1. Inzuzo enkulu wukuthi isikhwama ongangena cishe njalo, abangenakho ulwazi ekhethekile. Mutual Isikhwama akudingi zimali kuvisisa zonke butholakala enqubweni eyinkimbinkimbi yokuthela inqubo, ukunakekelwa njalo futhi ukuqapha ukukhula capital. Lokhu wahlanganyela inkampani ukuphathwa ngokugcwele.
2. Eyesibili plus - phetho ngowokuqala: isikhathi siqu ekulondolozeni yekhasimende. Ukuthembeka ibhange kuwufanele okuningi. Asikho isidingo sokuchitha isikhathi ku control unomphela phakathi emakethe ube nezikhathi ezinzima nezimnandi, ukubamba iqhaza ngqo inqubo nokunye. Uma ikhasimende uthenga isabelo Sberbank ku PIF, amaphepha wakhe sebeqala bahlanganyele abaphathi professional.
3. Inani etholakalayo yokukhokha phansi. ayizinkulungwane 15 ruble - capital encane sokuqalisa ukuthi uqale ukutshala imali imisebenzi.
4. Lula design. Ukujoyina e mutual funds Sberbank ngokwanele kufanele ube kuphela lemali edingekile of imali futhi iphasiphothi. Iklayenti ukuphathwa inkampani kumele bathumele isicelo ukuthengwa iyunithi. Yilokho. Thengisa pie kulula njengokuhlola ukuthenga, okungukuthi futhi ngokwanele ukubhala isicelo ehhovisi lenkampane ukuphathwa.
5. Zezimali nokwabelana. izimali Mutual Sberbank eRussia abasakwazi ahlukahlukene izici zabo. Kukhona izimali nge isivuno ephakeme ephezulu futhi, ngakolunye uhlangothi, nge ingozi ongatheni, engenayo esethembisayo, kodwa zezimali okusezingeni eliphezulu. Lezi mutual funds ukubandakanya share ukudayiswa ngokushesha naleyo ayisebenzisayo okungenani isikhathi futhi ukulahlekelwa esincane noma abangenaso nhlobo ukubaluleka.
6. Izintela. Ziyakwazi kuncike kuphela ukuthela mutual funds Sberbank. Ukuze ucacise kabanzi, i-inzuzo inetha. Kukhishwe intela ngokuzenzakalelayo, ngesilinganiso 13%. Yiqiniso asikho isidingo okwesikhathi wokufaka ahlukene isimemezelo ehhovisi lentela.
7. Diversification kokutshalwa. Ukuze kuncishiswe ubungozi okungenzeka izimali shareholder abelwe ukuthengwa yizibopho amasheya imikhakha ehlukene emnothweni Russian. Lokhu kuvumela uhlelo iphothifoliyo utshalomali ukuba babe eziqinile yokuncipha emakethe.
8. Ezokuphepha ukutshalwa kwezimali ngaphansi kolawulo isimo. Ingozi irrecoverable ukulahlekelwa ngokwezimali lincishisiwe, ngoba imali etshaliwe bamasheya kungukuthi egcinwe akhawunti ukuphathwa inkampani. Izimali zidluliselwa Depository ekhethekile. Ukulawula iziphathimandla zikahulumeni phezu kwakhe.

Nebubi imali mutual funds

1. Ayikho Amawaranti. Hhayi sikhwama sinye utshalomali akusho kusiqinisekisa ukuthi umninimasheya uzokwenza inzuzo ngendlela ngesikhathi esinikeziwe. Konke kuncike ukuziphatha emakethe nendlela abanolwazi futhi onekhono abahwebi Isikhwama. Izingozi zihlale khona.
2. Ukweqisa ukubaluleka unit. Lokhu kwenziwa ngenhloso yokuheha abatshali-zimali abasha. indlela kuyihaba ulula. Ngaphambi kokubika isikhathi inkampani ukuphathwa uthenga amasheya lalabo izinkampani ukuthi kakade kuphothifoliyo, ngaleyo ndlela kwande inani layo. Yiqiniso intengo ukhuphuka futhi wabelane. Ngemva kokubika isikhathi ezingadingekile ukusetha kabusha senzo. Yabelana intengo uwa.

ingqikithi

Qala nokusi- okuwusizo kunakho konke, imali mutual funds Sberbank. Veza, ukubuyekezwa, esiphezulu solwazi imibiko etholakalayo uqinisekise lesi.