Dividend – it is a part of the company's profit, which it shares among its shareholders... In other words, a company that issued securities can pay part of the profits from its activities to the owners of its shares in proportion to the number of shares owned by a particular citizen. It is difficult to say with certainty whether a joint-stock company will pay dividends in a certain year; it is important to remember that:

Dividends are volatile if the company fiscal year incurred losses, then, most likely, shareholders will not receive profit either. But even if the year has ended successfully and the profit is received, the board of directors may not distribute it among investors.

More about dividends

By the way, similar cases enough, if a company decides that it needs profit for faster development, which it now needs to overtake or be on par with competitors, then all the funds received are invested in the business, that is, reinvested. Many large companies represented on the market today began to take into account the interests of shareholders only after they took place on the market. Microsoft, the world leader in software development, paid its first dividends only in 2003, that is, 27 years after its creation.

How can I receive dividends

Companies paying dividends

V Russian economy a certain number of companies have developed that constantly act in the interests of the holders valuable papers... Over the past 5 years, Lukoil, Rosneft, Novatek have been constantly increasing their dividends. Companies that consistently pay shareholders part of their profits from year to year include: Gazprom, Aeroflot, Transneft, VTB, Sberbank, Gazprom Neft, Surgutneftegaz, Rostelecom, MTS, Tatneft and many others (see the entire list in the article "2012 dividends" ).
On my website, I analyzed in detail the payments of the following issuers:

What are the dividends

There are several grounds for classifications. , as a rule, higher, and besides, the presence of several types of shares in one issuer affects. Dividends can be paid once a year or several (interim). All the rest I described in the previous article (follow the link to learn more).

What taxes should I pay as a shareholder

If you received profit in the form of dividends, then it is subject to income tax individuals(). For Russian citizens (residents) who own shares of domestic companies, the tax will be 9%, for non-residents - 15%. But you yourself will not have to pay anything, since all the necessary operations will be done for you by your broker or Management Company if you buy shares of an investment fund.
Making investments in securities, as a competent investor, you must first assess the growth potential of the share price and only then look at the size of the profit divided between investors. With a skillful selection of stocks, the price of the stock of your chosen issuer will rise quite quickly and override the dividend income you might have received from the stock of any other company.

Important dates for shareholders

Announcement Date — The day on which the board of directors will determine the desired payout. - the day on which a list of shareholders entitled to part of the profit should be drawn up, that is, the owners of shares entered in the register of shareholders will receive dividends.
Ex-dividend date - the day on which and after which the shares are sold without the right to receive dividends on them.
Payment date - the date when the shareholder receives the remuneration due to him.
By the way, regarding the meeting of shareholders, you do not have to attend it, unless, of course, you own a large part of the corporation's shares (which is quite rare), since a minority shareholder has practically no way of influencing the company's policy and its future actions. The data can be viewed by the dates of the closure of the registers.
The decision on the payment of annual dividends cannot be made in the case of:

1. Incomplete payment of the authorized capital
2. Failure to comply with the requirements for the size of the cost net assets
3. All shares have not been redeemed if required by shareholders
4. In case of payment, there is a danger of bankruptcy of the company

Is it possible to determine the future amount of dividends

It is difficult to say exactly what the size of dividends will be next year, since it is to a certain extent inside information and companies are not always eager to disclose it. Nevertheless, on the basis of rather complex calculations, which are engaged in by economists-analysts, it is possible to calculate their approximate size (see example).

Terms of payment of annual dividends

Payment terms can be fixed as in the charter of an open joint stock company(JSC), and be accepted at general meeting shareholders. If this period is not specified, the payment of dividends must occur no later than 60 days from the date of the decision on the payment. If the decision on payment is made, then the company becomes obliged to pay them. However, according to Federal law On Joint Stock Companies, a company cannot pay part of its profits to shareholders if at the time of payment:

1. the society has some signs of bankruptcy (or they will appear after payment)
2. the value of the net assets of the JSC is less than the amount of the authorized capital, the size reserve fund and the difference between the value of preferred shares placed on the exchange, which must be prescribed in the charter, and their par value, or this value will become less than the above amount in the event of dividend payment.

If the above signs disappear, the company again undertakes to pay dividends.

P.S .: you can make good money on dividends, see this video on how to do this:

For visitors to our site, there is special offer- you can get a consultation absolutely free of charge professional lawyer by simply leaving your question in the form below.

Dividends are usually paid based on the results of the year, while the decision on where and in what volumes the annual dividend is sent is made by the board of directors. However, the shareholders of some companies may receive dividends for the quarter or half a year. Typically, the phenomenon occurs when the company is behind reporting period gets record volume. Quarterly or semi-annual dividends are called extraordinary, since in order to approve their payment, the company, or rather, the board of directors, gathers shareholders for an extraordinary meeting.

What is needed in order to receive dividends?

The right to receive dividends belongs to the holders of this or that, which are included in the register of shareholders. By itself, the register of shareholders can be changed and re-approved. It should be remembered that many joint stock companies issue not only ordinary shares, but also individual shares, which are commonly called preferred. Such shares differ significantly from ordinary ones: firstly, their dividend yield is significantly higher, and secondly, their owners do not have the right to vote at general meetings of the company's shareholders. Preferred shares provide their holders with more stable income than ordinary shares. True, not every company is ready to give shareholders a substantial part of all the profits it makes.

There are some companies that have not paid dividends to their shareholders for many years. If you are planning to become a shareholder of a young, recently created company, keep in mind that the company usually directs almost all of its profits to its own development. If you want to receive high dividends, invest in shares of companies that have existed for many years and do not plan to significantly expand their activities or change their area of ​​interest in the near future. The shareholder does not pay taxes on the received dividends - payment tax rate dividend payments are always borne by the issuer.

Tip 2: Which Russian companies have the biggest dividends

The largest dividends for their shareholders are provided by Russian companies whose activities are related to the extraction of oil, gas and natural minerals. Besides, in last years among the leaders in the rating are mobile operators who are constantly interested in raising funds.

Analysts' forecasts on the size of dividends for the leading Russian companies usually turn out to be quite realistic, since the largest profitability is provided by large organizations whose activities are stable and are not subject to serious changes due to negative factors. The most profitable in the Russian Federation are traditionally mining enterprises and holdings, and among them there are not only oil and gas companies, but also organizations involved in the processing of natural minerals. Also, high profitability is provided by the acquisition of shares of mobile operators, which are integral parts of large holdings, therefore, they constantly redistribute funds and attract new investors.

Approximate amount of dividends from leading Russian companies

The leader of the profitability rating among Russian companies is Norilsk Nickel, whose shares, in accordance with analytical forecasts, will bring about 11 percent per annum. Also, the shareholders of Surgutneftegaz and Gazprom Neft can count on a consistently high profit, which should bring about nine and seven percent per annum, respectively. Among the leaders in the rating are also mobile operators MTS and VimpelCom, whose shareholders expect to receive a profit of nine and eight and a half percent per annum, respectively. An additional benefit from the acquisition of shares in the latter two companies will be the ability to receive interim quarterly dividends, which will expand the shareholders' ability to control their invested funds.

How to identify Russian companies with high dividends?

Interested shareholders can determine those Russian companies that will bring the greatest dividends according to a number of criteria. These indicators include decisions made by their governing bodies, parent companies, founders and owners. In addition, you should take into account the current amount of the company's debt, the history of dividend payments, dividend policy manuals. Thus, among the leaders of the rating is E.ON Russia, which is a subsidiary of the German company E.ON. The expected return on shareholders of this subsidiary will be 7.5 percent per annum, and the actual achievement of such a result was ensured by the decision of the parent company, which ordered all profits to be used to pay dividends.

Sources:

• Which stocks will bring you the most income?

Advice 3: How to become a Coca-Cola shareholder from 3 thousand rubles and start receiving dividends without leaving Russia

The ruble is constantly falling. That's why profitable option in order to preserve their savings, the purchase of shares of American companies on the St. Petersburg Stock Exchange may become.

Where can you buy shares in US companies without leaving Russia?

St. Petersburg Stock Exchange in this moment gives an opportunity to all willing Russians to become a shareholder of not only Russian, but also American corporations.

What stocks can you buy on the exchange?

The stock exchange traded shares of 500 largest US companies, including Microsoft, Walmart, Intel, etc.

How much money does it take to buy stocks?

At the moment, even with 3000 rubles, you can start investing in American companies. So, one share of Coca-Cola is now on the market about $ 47 or 3100 rubles.

What are the advantages of buying these companies?

The most important advantage is protection against fluctuations in the ruble exchange rate, your money will be in hard currency and in a reliable company.

Secondly, the Coca-Cola Company pays dividends to its shareholders annually. At current cost, the dividend yield is 3.27% per annum. It is worth remembering that this yield is in dollars.

Is it reliable?

The history of the Coca-Cola company began in 1886. During this time, three states have changed on the territory of our country: the Russian Empire, the USSR and the Russian Federation.

How to buy stocks?

In order to purchase shares, you will need to create an account with brokerage company... This can be done through the portal public services Russian Federation.

What are the benefits of the state when buying shares on the St. Petersburg Stock Exchange?

Currently valid special program, which makes it possible to obtain tax deduction 13% of the investment or tax exemption from earnings on shares.

"The path of a thousand li begins with the first step" - Lao Tzu.

Sources:

• PJSC "St. Petersburg Exchange"
• KO share dividend
• Public services: IIS
• BCS launched remote opening brokerage account via the website of state services: more on RBK

The best long-term investment strategy is to invest in the shares of the largest companies. Depending on the original amount, the most effective under specific conditions apply. financial mechanisms capital increase. The investment period is related to the investor's goals: the accumulation of the necessary funds for training, the purchase of a car, real estate, or simply "for a rainy day." The horizon for investing in securities has wide limits - from 1 year to several decades. High profitability with minimal risks in the long and medium term allows receiving dividend shares. How much dividends can you get on stocks and how to choose high-income companies? This issue is discussed in this article.

Securities market and dividends

Unlike bank deposits and deposits equity securities, which include shares, provide the most profitable capital management mechanism. Traditional placement of funds on accounts in banking organizations allows you to reliably save your savings. However, the bank's profitability in relation to savings of depositors is always at the inflation level. Therefore, you will not be able to profit from bank certificates and deposits. It is rather a tool to protect money from depreciation.

It is possible to make money on investments in the conditions of trade transactions on the securities market and through. With the right choice of investment strategy, income can be high and stable. Income from valuable equity securities formed in three ways:

1. When buying shares in a “Long” market position “Long”. In this case, securities are bought at a low rate and subsequently sold for more high cost... The purpose of such a transaction is to make a profit on the difference in quotes.
2. When opening a “short” position “Short”, when the shares are bought through a broker (borrowed). Then, when the rate decreases, they are returned to the broker, the difference from the transaction in the form of profit remains for the player after the close of the trading session.
3. Receiving dividend income from shares as part of net profit companies. The amount of payments depends on the number of shares owned by the owner, and total income private enterprise.

Important! A feature of dividends is the regularity of payments from the company's profits in accordance with the proportional ownership of shares. Income can be at the level of minimum values ​​or reach two-digit figures. In some companies, dividends may not be paid to shareholders due to the direction of funds for business development or a minimum annual income. But in the long run, stocks will always be profitable.

Thus, the shareholder reserves the right to a part of the company's profit, which can be received in the form of dividend payments, not only monthly, annually, but throughout life. But for this you need to choose the right company and know where to buy dividend securities.

Algorithm for buying shares

Trading transactions with shares are carried out on a special platform for organized trading in securities (stock market). This institution mobilizes financial resources, securities are redistributed, liquidity is provided financial investments... On the exchange, through intermediary services, brokers and traders make numerous transactions with shares, taking into account the current quotes.

In Russia, such transactions are carried out on the site of the Moscow Interbank Currency Exchange (MICEX), the St. Petersburg Currency Exchange (SPVB), the Russian trading system(Rs) others. Abroad, there are their own instruments for market trading in shares: in London - the London Stock Exchange, in the USA - the National stock exchange, NASDAQ, New York Trade Square and others. A feature of exchanges is the instantaneousness of all operations carried out due to a large number participants.

Three steps to buying stock

It is necessary to buy shares on the stock exchange after a study has been carried out, which examines the performance indicators and dynamics of profitability of companies issuing securities. Before buying, you need to decide which shares will be invested in: Russian or foreign. This is taken into account when choosing an exchange, so not all brokerage organizations and individuals have access to international market valuable papers. The largest Russian stock exchange is the MICEX, where you can buy shares foreign companies(Google, Apple), Gazprom, Sberbank and others.

After the choice of the exchange has been made, the following steps must be followed:

• Choose a brokerage firm or a private broker to carry out transactions on the stock exchange. It is important to be guided in this matter by two criteria: the broker's reliability and the optimal tariffs. It is recommended to choose an intermediary organization based on the rating of the reliability of brokers on the sites investment companies, for example, http://www.brokers-rating.ru/. Tariffs, as a rule, are distributed in the range from 0.02% to 0.5% of each conducted transaction. With active trading, the amount of commission to a broker can be tens of thousands of rubles. Therefore, the tariff plans of brokers should be carefully studied before concluding a brokerage service agreement.

Important! The minimum threshold with which a broker starts working is from 30,000 to 100,000 rubles. When choosing professional participant of the securities market, rating reliability and low rates of the intermediary should become the guiding factors.

One of the stable intermediary organizations, according to analytical data, is Otkritie Broker, which forms optimal investment portfolios at low rates per transaction at the level of 0.057%. With long-term cooperation, commission payments per year are insignificant.

• Legal formalization of cooperation with a sales representative. This requires the personal presence of the client in the company. The procedure for concluding a brokerage agreement is similar to opening a bank account (a civil passport is presented, an application for opening an account). The agreement provides for the opening of a brokerage account in the name of the investor, from which all operations on the stock exchange are carried out.

Important! When concluding an agreement with a broker, it is necessary to check whether he has a license to carry out intermediary exchange and dealer services. This document confirms the professionalism of the broker and the right to operate on the stock exchange in principle. Each country has its own licensing broker organizations. In Russia, brokers are licensed by non-profit organizations RAUFR and KROUFR.

The procedure for drawing up an agreement and opening a brokerage account does not take much time (no more than 30 minutes). After opening an individual account (personal page of a trader, investor), the client transfers his cash for further participation in trade deals on the stock exchange.

• Purchase of shares and asset management placed on a brokerage account. Purchase / sale transactions of securities can be carried out in two ways: using orders to a broker or directly through a special QUIK interface. This terminal allows you to view current stock quotes in real time and carry out transactions online. QUIK server modules are installed on Personal Computer client. For 31 days, the services of the Internet site are free, then a fee is set at a special rate.

Orders can be given to the broker by phone (for buying and selling shares). In this case, there is no need to analyze quotes, promptly respond to price decreases and increases, and constantly monitor the situation while sitting at a computer. On behalf of the client, all operations will be performed by the investor's representative - a broker.

Important! The process of investing in shares must be carried out on the basis of the principle of risk diversification: buying securities of promising and highly reliable companies. These stocks include blue chips. You can independently view all the current stock quotes on the websites rbc.ru, stocknavigatot.ru.

What stocks to buy and what to consider

To receive significant income from investing in stocks, you need to invest significant sums into the package offers of highly profitable companies. If there is a modest amount to play on the trading exchange, then you will not have to count on high incomes. However, buying stocks for the long term with the expectation of an increase in the price of securities can bring dividends.

Dividend stocks bring regular income - this is their feature and investment attractiveness... Despite the fact that the amount of payments on such shares is insignificant and rarely reaches double digits, in long-term investments they provide stable profits.

How much can you earn from stock dividends?

The income range for shares is from 0.1% to 20% and above. The larger the company and the broader its prospects, the greater the chances of making money on its shares. Consider examples of dividend yield large companies, whose shares are traded on the MICEX.

Dreturn on shares in 2017 (per 1 share)

As you can see from the table below, the profitability of the companies varies significantly.

The top three in terms of dividend yield in 2017 included three Russian companies: Novolipetsk Metallurgical Plant (NLMK), Severstal and Rostelecom.

High rates of return on securities from business monopolies in the field of telecommunications and mobile communications(Rostelecom, MMK, Rosseti). Profit for the shareholders of these companies ranged from 11% to 11.9%. In the middle of the list are the shares of the commodity monopolies Gazprom, Transneft and Lukoil with yield on shares at the level of 6.4 - 6.9%. Financial and credit institutions (Sberbank and VTB) have the lowest earnings on shares. The profitability of banks' securities is even below the level of profit on certificates and deposits.

What is the reason for the low profitability of joint stock companies?

First of all, this is due to financial performance the company and the profit accrual algorithm. Dividends are distributed at the end of the year at the Board of Directors, where the results of the firm's activities, the volume of profits and the direction of business development for the future are analyzed.

According to the results financial report a decision is made on the distribution of the profit of a private enterprise: where and in what proportions to direct it. In the event that there is a net profit, it can be distributed as follows:

1. to update the material and technical base, improve production technologies, any modernization processes in order to expand and improve the efficiency of the company;
2. payments to pay off financial and credit obligations, any types of debt burden;
3. dividend payments to shareholders of the company in accordance with the number of purchased securities of the issuer.

The Board of Directors makes recommendations for the payment of dividends to shareholders in the prescribed amount. But this decision is not final. The final decision is made at the Meeting of Shareholders who own large blocks of securities, which decide on the payment of income on shares in the final form.

Common options for decisions of the Meeting of Shareholders:

• make dividend payments on the recommendation of the Board of Directors in full;
• pay dividend profit to shareholders in part, direct the rest of the profit to the development of the enterprise;
• refuse to pay dividends to shareholders at the end of the year and direct all profits to the current and future needs of the company.

Important! When assigning dividend payments, all shares in the company's register are taken into account. The total amount of profit allocated to dividend payments is divided by the number of shares registered in the register of shareholders. The result is the amount of earnings per share. After such a calculation, the profit is divided proportionally among the shareholders in accordance with the shares of the company they hold.

How to choose companies with high profitability

• Availability of guaranteed dividend payments, which can be set by the company in a fixed amount or as a percentage of net profit. At the same time, it is important to pay attention to the details and special clauses regarding the payment of income on shares (for example, the conditions for the cancellation of dividends in case of losses, when the company's profit statement is fixed according to IFRS documents). Noteworthy is such a detail as the possibility of deducting from the net profit aimed at paying dividends, "paper costs" associated with the revaluation of assets.

Important! Dividends are accrued at the "cut-off" moment (the date of the register closing), which is established by the Board of Directors. Therefore, there is no need to keep shares all year long in the company's register, it is enough to purchase them and place them in the register of shareholders 2 days before the "cut-off". These important dates can be tracked on the website of the issuer or brokerage company. Dividend payments are traditionally made within a period not exceeding 60 days. Holders of securities receive profits net of dividend taxes (9% of total share income).

• Positive history of the company in terms of financial profit and payments of dividend income. Great value for owners dividend shares, who are conservative players, have income stability, regularity and predictability of share payments. Stable dynamics for these indicators should be recorded for a long time. Stable dividend payments, from the point of view of analysts stock market, the following companies are characterized: TNK-BP, Tatneft, Surgutneftegaz, MTS, Bashneft, MDM-Bank, Mechel.

Important! When forming a dividend investment portfolio, it is necessary to diversify investments and take into account the dynamics of profit payments for each issuer. So, for example, if the issuer has never paid income on shares, then it is unlikely that he will start distributing dividends based on the results of the new reporting period. Companies should be chosen that regularly and every year pay profits even in the face of a deteriorating market situation. Energy companies that do not incur serious investment costs can afford such payments.

• Dividend yield on shares. The calculation of the amount of income includes the ratio of the amount of remuneration for 1 security to its present value, followed by multiplication by 100%. For example, last year a profit of 14.54 rubles was made from a share of MTS. When buying 100 shares of MTS at a price of 250 rubles per share (for a total of 25,000 rubles), the profit will be 5.8% per annum, and the income will be 1450 rubles.

The foreign securities market allows you to implement various strategies for generating income: it is conservative to aggressive. A wider arsenal of dividend instruments is presented on international exchanges, which differ in the frequency of income payments and the percentage of profit. For example, in the United States, investing in mortgage-backed securities can bring shareholders a fixed income of up to 20% in US dollars. The high yield on such securities is ensured by the obligations of the government. Real estate investments bring high income not only abroad, but also on Russian stock markets.

Receiving dividend income for Russian market in most cases, it is considered as an addition to earning on buy / sell transactions. This is due to excessive market volatility and the dividend policy of companies that freeze income payments during the crisis. Therefore completely shape investment portfolio out of dividend shares is impractical. It is necessary to diversify the areas of investment and remember that highest yield with the right strategy, shares of companies from the "second tier" can bring.

How to get dividends on stocks - a question that is equally relevant for both Gazprom investors and shareholders of smaller enterprises. To successfully exercise the right to participate in the distribution of the company's profits, it is necessary to navigate the procedure for forming a dividend premium and have an idea of ​​the procedure for its payment. All this is set out in this article.

What is dividend on shares

The main difference between joint stock companies from other types legal entities- the principle of the formation of the authorized capital. In a joint-stock company, it is divided into a certain number of shares, which give their owners the right to receive a share of the company's profits.

In other words, a share is one of the ways to generate passive income, that is, dividends, provided that the development dynamics of the organization that issued it is positive.

However, making a profit by an enterprise is by no means a guarantee that shareholders will receive dividends due to them: it is highly likely that the income received will be invested in business development, if such a decision is made by the general meeting of shareholders.

The decision on the use of profit is made by voting, while votes are taken into account in proportion to the number of shares in one hand - that is, the opinion of 1 owner of 500 shares is more significant than the points of view of 5 JSC members, each of which has 20.

Formation of a dividend premium: how to calculate the amount of dividends

According to the Law "On the Securities Market" No. 39-FZ dated April 22, 1996, joint stock companies have the right to issue two types of shares:

• ordinary (simple) - giving the holder the right to participate in the management of the company and the distribution of profits;
• privileged - allowing the shareholder to receive a stable passive income, that is dividends on shares, without the right to manage the society.

Dividends on preferred shares may be set at fixed amount or in percentage terms in relation to the par value of the security - in any case, their size or form of calculation must be spelled out in the charter of the joint-stock company.

When calculating the amount of dividends on ordinary shares, the following formula is applied:

∑(d) = (G - PA) / Qa

∑(d) - the size of the dividend on ordinary shares;

G- profit to be distributed;

PA- dividends on preferred shares;

Qa- the number of common shares.

Example of dividend calculation

The profit of the joint-stock company to be distributed for the reporting period amounted to 100 thousand rubles. Authorized capital JSC includes 20 privileged and 500 common shares with par value of 1000 rubles each, distributed as follows:

Don't know your rights?

Ivanov - 390 ordinary shares;

Petrov - 10 common and 5 preferred shares;

Kuznetsov - 15 preferred shares;

Vasiliev - 100 ordinary shares.

According to the charter, dividends on preferred shares are charged at the rate of 10% of the par value.

Dividends per 1 preferred share are 100 rubles (10% of 1000). The total amount of dividends is 2,000 rubles (20 shares x 100 rubles).

Thus, the amount of dividends per 1 ordinary share is 196 rubles: (100,000 - 2,000) / 500 = 196.

That is, shareholders receive the following amounts (before deducting tax of 9%):

Ivanov - 76,440 rubles (390 x 196);

Petrov - 2,460 rubles (10x196 + 5x100);

Kuznetsov - 1,500 rubles (15 x 100);

Vasiliev - 19,600 rubles (100 x 196).

Important: dividends are not accrued on the following groups of shares:

• being on the balance sheet of a JSC based on a decision of the board of directors or a general meeting of shareholders (for example, shares redeemed from previous holders);
• transferred to the company in connection with the non-fulfillment of the shares by the buyer of the payment obligations.

How to get dividends on stocks

According to the law "On JSC", the frequency of dividend payment must be fixed in the company's charter. As a rule, this is 1 year, but it is allowed to set quarterly or semi-annual periods.

The procedure is carried out in several stages.

1. Making a decision on the payment of dividends.

   The decision is taken by the general meeting of shareholders at the suggestion of the board of directors of the company. Attendance at the meeting is optional, it only matters for large package holders and active participants in the management of the company. At the same time, the date of closing the share register and the direct payment of dividends are approved.

2. Establishing an ex-dividend date.

   The ex-dividend date, that is, the date on which the shares must be held in order to be eligible to receive a share of the profits, cannot be set before the time of payment is approved.

   Important: in order to qualify for dividends, shares must be purchased a maximum of 2 days before the register is closed.

3. Closing the share register.

   Formation of the final list of shareholders entitled to receive dividends.

   Important: only holders of shares entered in the register no later than 2 days before its closing will be able to make a profit.

4. Payment of dividends.

The actual payment period cannot exceed 25 days from the onset of the ex-dividend date.

For individuals dividends on shares can be listed in several ways:

• transfer to a brokerage account;
• transfer to a personal bank account;
• Postal transfer;
• cash withdrawal.

The first method is most often used today, since most investors buy stocks through brokerage transactions. However, the absence of an account opened with a licensed brokerage company can in no way become an obstacle to receiving money: the main thing is that all the details of the recipient coincide with his data as of the date of dividend payment. This is of great importance, since a share of the profits, as a rule, goes to a personal account, by mail or in cash, to holders who acquired shares in the 90s of the last century, when brokerage services were not yet so in demand.

Introduction Buying shares of companies and receiving dividends from certain companies is popular all over the world. After all, it is possible to profitably invest money in almost every company.

In this article, you can find out everything about the shares of Sberbank of Russia, as well as how to purchase them, and when you can receive payments from them. If you are interested in the topic, keep reading!

What it is

Dividends are the profit that a shareholder receives for previously invested financial resources, that is, the purchase of shares of the enterprise, or, acting as an investor. You can receive dividends once a year, six months or a quarter, it all depends on the order of the company with which you "cooperate".

The amount that you will receive in the end depends on the earnings of the company - the more it is, the greater the percentage of the dividend will be. If you are a happy owner of preferred shares, then the amount of your payments at the end of the year will not depend on the company's earnings.

Like many companies, Sberbank also has a package of shares that can be purchased.

Where to buy

Mostly, buy shares, and not only Sberbank, but any other that interests you financial institution, you can use brokers.

Also, there are other ways, you can find all the information in the table below.

Please note that it is much more profitable to purchase preferred shares, because in this way you will receive income in an amount that does not depend on the amount of the company's income.
How to get dividends on Sberbank shares

Undoubtedly, the first thing in order to receive dividends, you need to purchase shares of the company you are interested in, in our case - Sberbank. Further, an important aspect is the time of purchase of securities - it must elapse before the closure of the register of shareholders.

You can get money in two ways:

• to a brokerage account, almost everyone who is interested in the stock market has it;
• by means of postal or bank transfers, thus, those investors who do not have a brokerage account receive money.

Nowadays, almost everyone has an account, while the second item mainly refers to those who acquired shares in companies back in the 90s.

Video: What stocks are worth buying

About dividend policy

Sberbank of Russia is one of the most popular banks in the Russian Federation, in addition, it is represented in several other countries in the CIS.

The main and most important shareholder is central bank in the Russian Federation, this is exactly financial institution owns both a voting share and 50% of all others. In addition, foreign representatives are also investors of this institution.

Sberbank's dividend policy was approved back in 2014 and will remain in effect until 2018, so we can understand that it remains unchanged. This bank has its own development strategy, according to it, it must regularly pay its investors at least 20% of profit in accordance with RAS.

General Provisions

V general position Sberbank undertakes a clean and transparent accrual of dividends to its investors, in addition, the company has a clean and transparent mechanism for accrual, calculation, as well as the timing and procedure for the payment of profits to its shareholders.

The developed and current regulation was made in order to attract new investors.

This bank has two types of shares:

1. ordinary;
2. preference shares. It is understood that the payment is made regardless of the company's profit, and is at least 15% of the share price.

Principles and objectives of the dividend policy

As mentioned earlier, honesty in the calculation of dividends, as well as in their payment, prevails in the principles and goals of Sberbank of Russia.

In addition, this financial institution respects its shareholders, and strictly adheres to the payment schedule, as well as the method of determining them. All efforts are aimed at attracting many new investors, as well as increasing the capitalization of the enterprise.

The bank pays dividends after calculating the amount of taxation on its profits. Further, it is divided between investors.

Basic Provisions

According to its policy, Sberbank of Russia pays dividends to shareholders on a regular basis, once a year. Investors can get their profit in cash. In addition, the bank is required to pay dividends to its investors, but please note that it is not required to announce this.

The calculation of dividend payments is carried out at the end of the financial year, a special meeting is held at which it is approved.

During its operation, Sberbank of Russia has increased the number of its shares at least twelve times.

Conditions and grounds for payment

As mentioned more than once in the article, in order to receive the payment of dividends, you must own a share, or shares of Sberbank. They are of two types - common and preferred shares. The source from which dividend payments will be paid is the bank's income for the year, with taxes already calculated.

Payments to shareholders are made on the basis of a decision to be taken at a meeting of shareholders. On the same council, the amount of funds that will be paid is determined.

The procedure for making a decision on the payment of dividends

The decision to pay dividends is made at the same meeting - the general meeting of shareholders. In addition, the meeting participants decide what will be the amount of dividend payments, what their form will be, and, of course, when a register of those who will receive dividends in the current year should be formed.

Also, one must not forget that dividend payments can be made once every six months, once a year, once a quarter, and, of course, once every nine months. When exactly is decided at that very meeting.

Sizing

As you may have already understood, the size of the dividend depends entirely on the company's income. To begin with, the company determines its physical indicator, if it is normal, then the net profit is determined, so that after the payment of dividends the company does not become bankrupt.

Next, a meeting of shareholders is held (what happens at it can be found in the subheadings above), and after that the amount of profit is divided by the number of shares, determining the price of one share. In addition, you need to remember that the size of the dividend is determined individually in each case.

List of persons eligible for

Ultimately, both shareholders and holders of par shares receive dividends. If you are one of them, then in order to receive payments you must be entered in a special register.

Employees of the company must bring you in no earlier than ten days before the meeting of shareholders, but also no later than twenty days from this date. As a result, both persons with registered shares and those who have purchased shares from brokers can receive dividends.

If you definitely want to make a profit on the shares, you must be registered on the register within the timeframe indicated above.

Payment procedure and terms

Dividends accrued to shareholders are paid in accordance with the decision of shareholders - once a year, quarterly, six months. They can be credited both to the brokerage account (if any), and using bank transfer, or postal order.

But the terms for the payment of dividends are as follows - the nominee holder will receive the money no later than 10 working days, and the ordinary shareholder - twenty-five working days.

Informing shareholders

Sberbank informs its investors about the ongoing shareholders' meetings. He does this by means of notification using SMS messages, e-mails to the mail, and also, about each meeting, it is written on the official website of the bank, in a special subsection.

Thus, you can always be aware of the information. In addition, you are probably aware that this financial institution has online banking. If you are an investor, you can also inquire about the meeting through him.

Final provisions

As a shareholder of Sberbank, you are probably aware that last year (2015), the value of one share fell dramatically, and, as a result, did not even reach 50 kopecks.

Nevertheless, this year the value of one share has increased to almost two rubles, and, in the future, only an increase in the price of one share is expected. Every year, the bank tries to pay its shareholders as much as possible, while preserving both its own interests and the interests of its investors.

We hope this article provided answers to all your questions, and even more, helped you decide whether to invest your financial resources in company shares. In addition, you now know when you can receive dividends on Sberbank shares in cases of both ordinary shares and preferred shares.

Investing money in shares is quite risky, but the risk justifies the means, and usually the shareholder only benefits from the transaction.