Trust management in Sberbank: amounts for drawing up an agreement

Trust management of IIS from Sberbank - profitability and entry threshold for individuals

You want to earn more than the interest on your deposit, and have long heard about the potential opportunities of the stock exchange, but never decided because you don’t want to delve into the intricacies of managing an investment portfolio. Sberbank has developed an offer for trust management of assets especially for you; a personal account is accessible to the user and helps control the actions of the merchant.

Effective capital management in the stock market requires special skills:

1. It is important to know the rules and specifics of the tools,
2. It is necessary to understand the conditions of the target markets for investment,
3. Be able to properly diversify your portfolio in order to reduce risks and increase profitability.

If you do not have time to understand the procedure for trading securities and constantly monitor the state of companies and markets, then you can entrust the management of your deposit to professionals. Sberbank has been working in this segment for more than 20 years, is the winner of various awards, has its own analytical resource, which has knowledge about the state of international securities trading and the Russian market, and also analyzes the risk and expected effectiveness of each purchase.

The bank approaches each client individually; before concluding a cash management agreement, the following points are agreed upon:

• Ruble or currency management;
• It is preferable to buy shares, bonds or Eurobonds;
• Expected investment period and approximate account replenishment schedule.

Trust management of Sberbank money, the entry threshold is from 50 thousand rubles, if you are ready to allocate this amount, then open an IIS and sign a trust management agreement with the bank.

An individual investment account (IIA) is a special account that provides a special tax deduction of -13%.

Profitability and conditions of this type of investment

Conditions of trust management:

Trust management of IIS Sberbank profitability consists of two components: tax deduction 13% + possible income from investment. The bank promises a potential return higher than on a deposit, but does not guarantee anything, since investing is always a risk, and the option of receiving a loss is not excluded, but is minimized.

Client expenses:

1. Commission on the investment amount: 0.25-1% (of the starting amount, every quarter) + 1% (of the top-up amount);
2. Percentage of investment profit received: 1.5-3.0% (detailed in the contract)
3. Penalty for early account closure (1%).

Profitability directly depends on the chosen strategy; when concluding a transaction, the client can request the following information: possible risks for the strategy, expected level of profit, history of profitability.

Sberbank offers the following investment strategies:

1. “Capital Protection” in rubles - designed for conservative clients (target markets - consumer sector and American healthcare, silver):

• entry threshold - 3 million rubles,
• average return for the entire period – 8.8%,
• term - 2 years;

1. “Capital protection” in dollars – moderate risk, investment safety from 90%:

• Minimum amount – 50 thousand dollars,
• Duration – 3-5 years;

1. “Currency Income – Premier” - is aimed at conservative savings in dollars, the yield is higher than inflation:

• Entry fee – 5 thousand dollars,
• Profitability for the last 3 months – in rubles – 6%, in dollars – (-0.9%),
• Investment period – from 1 year;

1. “Dividend shares” are qualified investments in shares of Russian companies:

• Period from 1 year,
• Increased income – 12.5%,
• Minimum investment from 3 million rubles;

Trust agreement: where to download and how to fill out

To start investing, you need to conclude an individual agreement; this can be done at a bank branch with a Premier service area or by visiting the Management Company.

A sample agreement can be viewed at the link https://www.sberbank-am.ru/upload/iblock/181/181a5550dc3910d4bdea7507bb3aeb92.pdf, it also contains templates of documents required to fill out: Application for conclusion of an agreement, Consent to a transaction, Acceptance certificate assets, Risk Declaration and others. Is it necessary to fill out a payment order (form 190) and other questions can be clarified by calling 8 800 55 02 55.

Before signing the contract, you will be consulted in detail and individual terms of cooperation will be agreed upon.

You can open an IIS through your personal account sberbank-am.ru (if you have confirmed registration on the State Services service). In the user account, you can select a mutual fund, make purchase/repayment transactions, and monitor the status of your portfolio.

To manage money, choose reliable partners; Sberbank approaches this process professionally, understands the market, and makes a realistic assessment of risks and profitability.

Money tends to depreciate and in order to prevent this outcome, Sberbank offers its clients to carry out trust management of assets through a personal account. This opportunity is very convenient for each participant in the process, since it allows you to manage your own capital and receive additional profit in Russia by using various financial instruments.

As the most stable and reliable option, many clients choose trust management of funds from Sberbank. The credit institution offers its users several financial strategies to minimize possible risks and guarantee income.

The financial institution offers its clients to arrange trust management of an individual investment account in Sberbank, the profitability of which will directly depend on the actions of the owner of the funds. With this form of money management, the principal remains the owner of the savings. The functions of the manager include the task of profitably managing the entrusted money.

The possibility of losing money is present in any investment. Therefore, the manager does not guarantee that a profit will be received from the funds transferred for placement. At the same time, the profitability from this type of investment can significantly exceed the rates of many bank deposits. IIS deposits can be managed through your personal account, which is available on the official resource. By logging into the system, the client can:

• choose mutual funds that are managed by a specific bank branch;
• carry out various transactions for the acquisition, exchange or redemption of shares online;
• carry out control functions in relation to the already formed investment portfolio.

Only a competent employee in this field who has the appropriate qualification certificates from the Federal Service for Financial Markets can become a capital trustee. Only in this case will the citizen be able to count on the safety of the transferred savings and on the increase in the entrusted amount.

Conditions and profit you can get

According to the rules of the new project, the main investment objects are securities - government bonds, municipal, corporate and subfederal securities. Another important point is the choice of an appropriate financial strategy.

The entry threshold for trust money management at Sberbank depends on what strategy was chosen by the client. We are talking about the minimum investment amount with which a user of the RF SB services will be able to become a participant in the project. For example, when choosing the “Capital Protection” strategy, the entry threshold will be 3 million rubles, and when turning to other areas it will be 7 million rubles.

Sberbank has already established itself as a successful manager, whose staff consists only of analysts and experts with many years of experience. In this regard, clients do not have to worry about concluding an individual service agreement for the purpose of making a profit. the potential income from such an investment will be significantly higher than the inflation rate, with a guaranteed tax deduction (13%) in favor of the state and with a low level of risk.

To open an IIS (individual investment account) in Sberbank, you will need to complete the following steps:

1. First you need to choose one of two strategies: ruble or currency management.
2. The initial contribution amount will be 50 thousand rubles, and in the future the client will be able to add from 10 thousand to 1 million rubles annually.
3. When registering the transfer of funds to the financial manager, the client will need to sign a trust agreement and fill out Form 190 of the trust order for the transfer of money.

Funds are invested in a variety of securities: national, Eurobonds, and other securities. You can open an IIS through State Services if the client has a confirmed account account there. If this is not possible, then it is possible to come to the bank’s office and fill out all the necessary documents.

Where to get a trust capital management agreement

Clients can ask all questions related to the operation of the system and the new project at the bank’s office by contacting employees located in the Premier zone. Here is an opportunity to obtain the necessary consulting services, as well as obtain a trust capital management agreement.

Additionally, you can download such a document on the bank’s official website, on the page dedicated to the work of the described program.

Rating of mutual funds by volume of funds raised (net inflow) as of 10/31/2017. Rating of management companies by net asset value of open mutual funds and private mutual funds as of 10/31/2017. Source: Investfunds.ru.
Sberbank Asset Management JSC was registered by the Moscow Registration Chamber on 04/01/1996. License of the Federal Commission for the Securities Market of Russia to carry out activities related to the management of investment funds, mutual funds and non-state pension funds No. 21-000-1-00010 dated 09/12/1996. License of the Federal Securities Commission of Russia No. 045-06044-001000 dated June 7, 2002 to carry out securities management activities. Familiarize yourself with the terms and conditions of asset management, obtain information about Sberbank Asset Management JSC and other information that must be provided in accordance with current legislation and other regulatory legal acts of the Russian Federation, as well as obtain detailed information about mutual investment funds (hereinafter referred to as mutual funds) and You can familiarize yourself with the rules of trust management of the mutual fund (hereinafter referred to as the mutual fund PDU) and other documents provided for by the Federal Law of November 29, 2001 No. 156-FZ “On Investment Funds” and regulations in the field of financial markets at: 123317, Moscow , Presnenskaya embankment, 10, on the website http://www.. Information to be published in the printed edition is published in the “Appendix to the Bulletin of the Federal Service for Financial Markets”. The value of investment shares may increase and decrease, the results of investing in the past do not determine future income, and the state does not guarantee the profitability of investments in mutual funds. Before purchasing an investment share, you should carefully read the mutual fund's policy. PDU UIF provides for premiums (discounts) to (c) the estimated value of investment units upon their issuance (redemption). Charging premiums (discounts) will reduce the profitability of investments in mutual fund investment units. The performance of the securities manager in the past does not determine the future income of the management founder. In relation to mutual funds, the Risk / Income levels are indicated based on the generally accepted understanding of how the specified investment objects are located on the risk-return scale. “Risk” and “Income” in relation to mutual funds do not mean the acceptable risk and expected return provided for by Bank of Russia Regulation No. 482-P dated August 3, 2015. Open Investment Fund RFI "Sberbank - Bond Fund "Ilya Muromets" - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on December 18, 1996 under No. 0007-45141428. Open Investment Fund RFI “Sberbank – Share Fund “Dobrynya Nikitich” - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on April 14, 1997 under No. 0011-46360962. Open Investment Fund RFI “Sberbank – Balanced Fund” - the rules of trust management of the fund are registered by the Federal Financial Markets Service of Russia 21. 03.2001 for No. 0051-56540197. Open Investment Fund RFI “Sberbank – Small Capitalization Share Fund” - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on March 2, 2005 under No. 0328-76077318. Open Investment Fund RFI "Sberbank - Perspective Bond Fund" - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on March 2, 2005 under No. 0327-76077399. Open Investment Fund RFI "Sberbank - Natural Resources" rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on August 31, 2006 under No. 0597-94120779. Open Investment Fund RFI "Sberbank - Telecommunications and Technologies" rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on August 31, 2006 under No. 0596-94120696. Open Investment Fund RFI "Sberbank - Electric Power Industry" rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on August 31, 2006 under No. 0598-94120851. Closed real estate mutual fund "Commercial real estate" - the rules of the fund are registered by the Federal Financial Markets Service of Russia on August 25, 2004 under No. 0252-74113866. Open Investment Fund RFI "Sberbank - America" ​​- rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on December 26, 2006 under No. 0716-94122086. Open Investment Fund RFI "Sberbank - Consumer Sector" - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on March 1, 2007 under No. 0757-94127221. Open Investment Fund RFI "Sberbank - Financial Sector" - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on August 16, 2007 under No. 0913-94127681. Open Investment Fund RFI "Sberbank - Active Management Fund" - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on October 11, 2007 under No. 1023-94137171. Open Investment Fund RFI “Sberbank – Emerging Markets” - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on September 28, 2010 under No. 1924–94168958. Open Investment Fund RFI "Sberbank - Europe" - the rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on February 17, 2011 under No. 2058-94172687. Open Investment Fund RFI "Sberbank - Global Internet" - the rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on June 28, 2011 under No. 2161-94175705. Open Investment Fund RFI "Sberbank - Global Debt Market" - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on November 30, 2010 under No. 1991-94172500. Open Investment Fund RFI "Sberbank - Gold" - the rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on July 14, 2011 under No. 2168-94176260. OPIF RFI "Sberbank - Eurobonds" - rules for trust management of the fund are registered by the Federal Financial Markets Service of Russia on March 26, 2013 under No. 2569. Closed mutual fund of real estate "Sberbank - Residential Real Estate 2" - rules for trust management of the fund are registered by the Bank of Russia on 05/07/2014 under No. 2788. OPIF RFI "Sberbank" – Biotechnologies” - the rules of trust management of the fund are registered by the Bank of Russia 23. 04.2015 for No. 2974. Closed real estate mutual fund "Sberbank - Residential Real Estate 3" - rules for trust management of the fund were registered by the Bank of Russia on 08.27.2015 for No. 3030. Closed real estate mutual fund "Sberbank - Rental Business" - rules for trust management of the fund were registered by the Bank of Russia on 02.25.2016 for No. 3120. Open-end mutual fund RFI "Sberbank - Global Engineering" - rules for trust management of the fund were registered by the Bank of Russia on July 5, 2016 under number 3171. Closed-end mutual fund of real estate "Sberbank - Rental business 2" - rules of trust management of the fund were registered by the Bank of Russia on September 29, 2016 under number 3219. » Open Investment Fund RFI "Sberbank - Denezhny" rules for trust management of the fund were registered by the Bank of Russia on November 23, 2017 under No. 3428. Until 12:00 Moscow time, preliminary data on the value of assets of mutual investment funds managed by Sberbank Asset Management JSC (hereinafter referred to as the Funds) and the value of investment shares of the Funds are published on the website. Preliminary data is NOT official information about the net asset value of the Funds and the estimated value of investment units of the Funds and is for informational purposes only. Preliminary data may differ from the Funds' officially published net asset value and the estimated value of the Funds' investment units. After 12:00 Moscow time, official information on the value of the Funds’ net assets and the estimated value of the Funds’ investment shares, determined in accordance with Bank of Russia Directive No. 3758-U dated August 25, 2015, is published on the website.Please send your comments and suggestions regarding this site to.

Cash has a rather volatile value, so those with significant savings try to get additional profit by using different financial instruments. Many people choose trust management from Sberbank as the most reliable option. This credit institution offers several strategies for placing funds with varying degrees of risk and profitability.

Advantages of trust management from Sberbank

At Sberbank, trust management of assets has been carried out for more than twenty years. During this period, the company has gained significant experience and can offer its clients:

• Individual formation of an investment portfolio;
• Excellent knowledge and understanding of securities markets;
• Possibility of early receipt of contributed assets;
• Reasonable and realistic assessment of risks and returns;
• A professional approach to choosing a strategy.

The client can himself control the funds placed under trust management in Sberbank.

Features of choosing a strategy

This credit institution offers its clients a choice among ten different strategies, which may also have subtypes. Moreover, for each, before placement, the client can find out information about:

• Level and types of risks;
• Planned profitability;
• Profitability statistics for different periods of time.

In addition, you can choose strategies using funds in international securities markets, which provides greater opportunities for high profits. To preserve the amount of available capital from the effects of inflation, you can give preference to one of the conservative approaches that guarantee a constant, albeit small, increase over a long time. Most often, the Russian bond market, which has low volatility, is chosen for this. More significant returns can be achieved by choosing diversified portfolios that include both bonds and stocks.

It is worth remembering that all risks are assumed by the client; the bank only offers information on current strategies and the risks associated with them, and does not guarantee the complete safety of funds. On the other hand, the fact that he earns from the profit received by the client guarantees that maximum efforts are made to turn invested assets into profit.

Minimum amount to sign a contract

Unlike share contributions, trust management involves the turnover of larger amounts, the minimum threshold of which is:

• From 3,000,000 rubles for a strategy with minimal risks “Capital Protection”;
• From 100,000 US dollars – for the “International Shares” and “Foreign Exchange Income” programs;
• 30,000,000 rubles – for “Bi-currency income”;
• 7,000,000 rubles – for other strategies.

It is also worth taking into account additional costs, which can amount to up to one million rubles. The bank itself receives from one to four percent of the total amount of allocated assets, as well as from two to five percent of the profit received on them.

The placement period is one year; in case of early withdrawal of assets, a fee of one to two percent is charged, depending on the period of time the funds are at the disposal of the bank.

Procedure

To conclude a trust management agreement with Sberbank Premier, you must go to one of the branches that has the appropriate authority to conclude agreements of this kind. You can also go to the office of the Management Company, present your passport, choose a strategy for placing funds, after which an agreement is concluded. A bank employee will provide the necessary explanations for each point of the document, as well as provide available statistics on each of the current strategies.

After this, funds are transferred from the client’s account, the size of which depends on the chosen program, but will be at least three million rubles, to which additional contributions of one million rubles are added. Reviews of trust management in Sberbank online say that it is possible to increase the amount of assets up to three times. However, such dividends are quite possible, but not guaranteed.