VTB asset management. Profitability and value of shares of mutual investment funds VTB capital asset management. What is the minimum amount you can invest from?

Those clients who want to receive returns comparable to those on the stock market, but do not have experience in independent trading, can consider VTB mutual funds as an investment object. Purchasing fund shares and diversifying allows you to reduce risks to a minimum and obtain returns much higher than when opening a deposit.

VTB Capital Asset Management

VTB Capital manages 19 mutual funds of various types - from a stock and bond fund to a real estate fund.

The reliability of the management company is ensured by several factors:

• the company is a subsidiary of the international financial corporation VTB;
• Mutual funds existing in VTB Capital Asset Management for more than 10 years, they have a professional team around them that achieves good success and does not allow excessive losses even in crisis years;
• The company was assigned ratings: AAA by the National Rating Agency, A++ by Expert RA and AAA by RusRating.

Currently, more than 16,000 clients have entrusted their funds to VTB Capital Asset Management.

How to buy mutual funds

Your task as an investor is to wait for the optimal price for a unit of the VTB Capital mutual fund and make a purchase. As soon as the share price reaches the target level, it must be sold. The profit will be formed as the difference between the purchase price and the redemption price. At the same time, it is possible to receive negative returns if the assets in which the fund invests have lost value.

In addition, the price of a unit of the VTB Capital mutual fund issued in foreign currency is affected by exchange rate differences. Thus, such a fund may have a profit in rubles, but a loss in dollars, and vice versa.

The cost of the share is not tied to the size of the investment; you can easily purchase fractional parts of the share. The price of a share is determined as the result of dividing the total value of the fund's assets by the number of shares themselves. The more successful the business of a particular mutual fund VTB Capital Asset Management is, the higher the price of an individual share.

You can buy mutual funds using one of the three methods suggested below.

For new bank clients

If you are not yet a bank client, then in order to become an investor in VTB Capital mutual funds, you must:

• go to any VTB branch with your passport and open a personal account by filling out an application and client questionnaire (you can also open an account and purchase shares for any other person if you have a notarized power of attorney);
• transfer the planned investment amount to the current account;
• fill out an application for the purchase of shares of selected mutual funds of VTB Capital Asset Management;
• pay for the purchase of securities using an open account.

For existing clients

If you already have a personal account and the required amount is on it, then the procedure is greatly simplified. It is enough to go with your passport and account details to any VTB Group bank or agent sales points and fill out the appropriate application.

This can be done in the following banks:

• Intesa;
• VTB 24;
• Bank of Moscow;
• CitiBank;
• Oriental;
• OTP Bank.

Through the State Services website

In addition, if you have a fully verified account on the State Services website (you need to confirm your identity at any identification point), as well as a current account with VTB24 Bank, then you can buy VTB Capital Asset Management mutual funds online. To do this, you need to go to the page https://online.vtbcapital-am.ru/registration/, click on the logo of the State Services website and then follow the instructions of the interactive assistant.

After registration is completed, you will have a login and password for your investor’s personal account. In it you can easily purchase, redeem or exchange shares, transfer money to a personal account or withdraw it to a separate account. In addition, your personal account provides information about the state of your portfolio and its current value.

Investing in mutual funds

Income mutual funds are not always the most optimal for investment, especially after a sharp increase in the value of the share. The economy has a cyclical nature, and it is possible that the VTB 24 mutual fund, which was profitable over the last six months, may subsequently demonstrate negative dynamics during the year.

Many novice investors begin to blame the management company for the fall in the share price, not realizing that some losses are acceptable in accordance with the strategy followed by the fund, and leave the market, losing money.

In fact, you should not focus solely on the cost of mutual funds of VTB Capital, and choose only income funds for investment. Most financial experts advise, on the contrary, to purchase shares of mutual funds that are suffering losses in order to make money on the rise in the value of securities, implementing the old rule of the stock market - buy low, sell high.

On average, the return on funds is 15-20% per year, which is significantly higher than the profit on deposits, but serious financial losses are also possible, for which you need to be psychologically prepared.

So, for example, the VTB MICEX Index fund gave investors a profit of 37.15% over three years, but lost almost 17% in the first half of 2018. If you rely solely on the profitability of VTB mutual funds, it will seem that it is not worth investing in such a fund.

In fact, this mutual fund is one of the most promising at the moment for a number of reasons:

• The MICEX index traditionally “sags” by the summer, so the fall in the value of the share is natural; by the fall, share prices rise;
• the Russian economy is showing positive results, we can count on growth;
• in general, the fund shows positive dynamics;
• Now you can buy more shares at a lower price.

How to choose a mutual fund for purchase

Therefore, when searching for a suitable mutual fund, you need to rely not only on the profitability of VTB 24 mutual funds, but also on other factors:

• structure of assets - how exposed the assets are to macroeconomic factors, whether there is a prospect for their growth in the near future, whether there is a “skew” in one area, etc. (for example, the Balanced Fund adheres to the principle of complete diversification of assets, and the VTB Electric Energy Mutual Fund invests in energy generating companies and is extremely profitable in a growing economy);
• fund strategy - how often the structure of assets changes, on what principle is trading conducted, how aggressive are the managers, how income is generated (dividends, exchange rate differences, differences in the value of an asset or something else, so, for example, VTB Eurobonds mutual fund receives income due to all of the above, and the main source of income for the Global Dividend Fund is payments from joint stock companies);
• degree of risk (risk profile) - aggressive funds are more profitable, but may have to endure heavy declines (for example, the Metallurgy fund in 2016 brought investors a profit of 10.35%, but in 2018 it already lost about 19%);
• fund currency – returns in different currencies can be either negative or positive due to exchange rate differences in asset values.

Yield comparison

This table - https://www.vtbcapital-am.ru/products/pif/opif/ - presents a comparison of the profitability of VTB 24 mutual funds, so you can rely on it as reference material when selecting suitable funds, but do not forget about other factors.

As for the investment time, the optimal period for holding shares is from 1 year. Most conservative strategies involve investing for a period of 3 years or more.

VTB provides an excellent opportunity to easily exchange shares of mutual funds among themselves, so you can actively manage them, purchasing assets that have fallen in price and selling them after they reach the desired price.

How to create a portfolio of mutual funds

To protect yourself from market shocks, it is necessary to carry out reasonable diversification of existing shares of mutual funds VTB Asset Management. Experts advise forming a portfolio of mutual funds that are not related to each other, i.e. not interdependent. It is optimal to have the securities of 3-4 funds in your assets, then it is quite possible to keep track of all the changes and more competently redistribute the available funds.

You should build your portfolio depending on your financial goals. So, for simple savings, a conservative portfolio with shares of mutual funds that invest in assets with predictable and stable income is suitable.

The basis of such a portfolio could be, for example, shares:

• Mutual Fund VTB Treasury, which invests in federal and corporate bonds (low risk profile);
• Bond Plus Fund, which invests in US and emerging market bonds (low risk profile);
• Mutual Fund Balanced, which invests 50% in the stock market and 50% in the bond market (moderate risk profile);
• Fund: Enterprises with state participation that place bets on securities of state corporations (high risk profile).

Funds are distributed between funds in equal proportions. The portfolio is capable of yielding up to 10% per annum due to proper risk distribution.

If you are interested in greater income, then you should bet on securities of other funds, for example:

• Mutual Fund VTB Eurobonds, which makes a profit due to many factors, including exchange rate differences (low risk profile);
• Fund Balanced (moderate risk profile);
• Consumer Sector Fund, which invests in assets that depend largely on domestic consumption rather than external economic factors (high risk profile);
• the Prospective Investment Fund, which invests mainly in young developing companies (high risk profile);
• VTB Mutual Fund Equity fund with a yield of up to 20% per annum (high risk profile).

This portfolio is capable of generating up to 15% per annum, but depends to some extent on external economic factors.

If your goal is to obtain maximum income in a short time, then you should put together an aggressive portfolio, which can include shares, for example:

• Share Fund or Mutual Fund MICEX Index;
• Precious Metals Fund;
• OPIFA BRIC or Global Investment Fund;
• specialized fund, for example, the Oil and Gas Sector Fund or VTB Mutual Fund Electric Power Industry, which provide effective profit when the economy grows.

When forming such a portfolio, you need to be prepared not only to wait out drawdowns, but also to promptly sell shares that have risen in price and buy additional ones that have fallen in price, i.e. conduct active trading.

Share price

The share price of each VTB Capital Asset Management investment fund is different and constantly changing.

VTB Fund - Treasury

The Treasury Fund's funds are invested in state, subfederal and corporate bonds of predominantly high credit quality.

VTB Fund - Electric Power Industry

The assets of the Electric Power Fund are invested in ordinary and preferred shares of Russian companies in the electric power industry, which are engaged in the production, distribution and sale of electrical and thermal energy.

VTB - Share Fund

The Equity Fund allocates shares of the largest and most stable Russian enterprises with a sufficient level of market liquidity.

VTB – Eurobond Fund

The purpose of investing in the Eurobond Fund is to preserve and increase capital in US dollars due to coupon income and growth in the exchange rate value of issuers' bonds and to obtain a return that exceeds the rates of bank deposits in US dollars.

Advantages of investing in mutual funds VTB 24

Advantages of investing in mutual funds VTB 24:

• a wide selection of assets for complete diversification of investments;
• low costs – the company charges a minimum fee of 1% when selling shares (commission when buying shares is 0%);
• transparency and visibility - all information about the value of shares is in the public domain and is posted daily on the website of the management company, including in the form of visual graphs, each fund publishes reports in which it describes the asset structure, strategy and shows the dynamics of income;
• flexibility and efficiency in managing funds - it is possible to exchange shares between all 19 funds without commissions during the working day;
• liquidity – shares can be sold on the same day when the application is submitted;
• economic efficiency – you do not need to pay income tax on income from the sale of shares; you can apply an investment tax deduction.

Another advantage of VTB mutual funds is the relatively low entry threshold.

Thus, the minimum amount required to purchase shares of VTB Capital mutual funds is:

• 50 thousand rubles – for Eurobond, Global Dividend and BRIC funds;
• 5 thousand rubles – for all other funds.

Minimum amount to purchase additional shares:

• 5 thousand rubles – for Eurobond, Global Dividend and BRIC funds;
• 1 thousand rubles – for all other funds.

The purchase of additional shares can be completed at the branch, through the online account or mobile application, by submitting an order by phone or by mail.

Conclusion

In general, VTB 24 mutual funds are an excellent opportunity to make money on the stock market without direct participation, entrusting your savings to professionals. Naturally, you need to wait for the best moment to buy shares, purchasing them cheaper in anticipation of future growth. To diversify risks, it is better to assemble a portfolio of 4-5 funds. When selecting mutual funds for your portfolio, you must proceed from your own financial goals.

Offering a wide range of financial services to Russian and foreign clients, the investment bank VTB Capital focuses on the issuance of securities, asset management, brokerage services and analytics. We will find out how to become a client of the bank in order to use the Asset Management service and what are the terms of partnership with the leader of investment companies in Russia and the CIS.

Brokerage services VTB

The bank provides a wide range of brokerage services for work on online trading platforms and the largest stock markets, provides analytical and consulting support, cooperates with individuals, individual entrepreneurs and organizations.

VTB offers its clients ample opportunities:

• services for the purchase/sale/exchange of shares, bonds (OFZ, Eurobonds) and other securities on the Russian and foreign markets, as well as on the over-the-counter stock market;
• work in the currency section of the Moscow Exchange;
• depository services;
• trading derivatives on the derivatives market;
• VIP client support, provision of a personal brokerage account manager for owners of the Prime and Privilege packages.

Partnership and brokerage services are carried out under the management of VTB Capital. More detailed information is presented on the official website www.vtbcapital-am.ru.

Depository services

VTB Depository is one of the largest participants in the Russian securities market, whose clients include Russian and foreign banks, brokers, management companies and funds.

The Depository provides the following services:

• storage of securities;
• calculations;
• reflection of transactions with collateral;
• payment of income and dividends;
• assistance in exercising rights under securities;
• optimization of tax expenses;
• payment agent services;
• information service.

The depositary also works with non-residents of the Russian Federation who own securities, providing them with services to reduce the tax rate.

Terms of VTB brokerage services

Find out about bank commissions for turnover on various transactions.

For brokerage services, the bank charges a commission according to tariff plans:

• at the “Personal Broker” tariff – 0.2% of the turnover amount per day, but not less than 20 thousand rubles per month for any number of transactions;
• at the “Privilege” tariff – from 0.01440% to 0.04248%, depending on turnover;
• at the Prime tariff - from 0.012% to 0.04248%.

Services provided free of charge:

• connection to the Online Broker and QUIK systems;
• the ability to accept applications by phone;
• margin leverage within one session.

The full list of tariffs is presented on the website broker.vtb.ru in the “Stock and derivatives markets” section.

How to become a client?

For the manager to receive the application, fill out all fields.

To become a client of the bank and gain access to brokerage services, just fill out the appropriate application on broker.vtb.ru, indicating the contact information:

• FULL NAME.;
• telephone;
• email;
• place of residence (city).

Also in the application you must indicate a convenient time to call your personal manager and confirm your agreement with the personal data processing policy. To conclude a service agreement, you must contact the VTB division with a passport.

The client can open an account in rubles in advance at any bank, from which funds will be debited to the brokerage account. If the client does not have an account, one will be opened at the time of the visit.

VTB broker personal account

To provide clients with access to online trading, the bank offers to use the Online Broker service. This is a personal account that performs the functions of a stock exchange terminal and allows you to perform transactions with securities through any browser window.

To work in the system, the user does not need to install special software or configure ports - only a computer with Internet access.

Possibilities:

• receiving information about quotes and the state of the user’s portfolio online;
• servicing trading and non-trading operations (execution and servicing of orders, withdrawal of funds, tariff changes, etc.);
• trading on the over-the-counter market;
• signing registers via the Internet.

Registration

To connect to the Online Broker system, the client must first conclude an agreement at the bank’s office. When signing documents, the personal manager will provide a special card containing a login and password to access your personal account.

An account for working on the exchange market will be opened at the head office after 2 days from the date of signing the agreement. After the client has completed all the necessary paperwork, credited funds to his trading account and opened a securities account, he will have the opportunity to trade on the stock exchange through his personal account.

If the client previously had an agreement with VTB for services on the Forex stock market, a variable code card will be suitable for him to work in the Online Broker system.

Login to "Online Broker"

With Online Broker, additional opportunities open up for you.

To use the services of the Online Broker service, you must go to the page broker.vtb.ru and click on the “Personal Account” button located in the upper right corner of the screen.

Login to your personal account is available only to registered users. To authorize in the system, a login and password are required, issued by the bank’s personal manager after signing the service agreement.

When logging into your personal account, you can check the “Remember me” option so that when you reopen the page you do not have to enter your authorization data again.

Asset and investment management

VTB provides agent services for the sale, exchange and implementation of mutual funds, working under the management of VTB Capital.

VTB Capital has been operating since 1996 and has a license to manage investments, savings funds of the Pension Fund of the Russian Federation and non-state pension funds, mutual funds, and is also a full participant in the securities market. VTB Capital JSC employees are licensed professionals with many years of experience in asset and investment management, included in the top lists of financial consultants in the country.

Terms of Service:

1. The cost of the minimum package is from 5 thousand rubles, for subsequent purchases – from 1 thousand rubles.
2. The premium and exchange for shares of any investment fund of the bank is 0%.
3. Discount – from 1% to 2%, depending on the placement period.
4. The recommended period for placing funds is from 1 year.
5. The investment object is highly liquid bonds, promising shares of Russian organizations in the financial, telecommunications, consumer sectors, concerns with federal participation (Gazprom, Aeroflot) and other major market players.

Under the leadership of VTB Capital, you can achieve high income with minimal risks.

Video: Advantages of brokerage services from VTB 24.

Conclusion

VTB is a reliable partner because, in addition to its impeccable reputation, its client can obtain high-quality support from consultants and managers and convenient analytical tools. Beginner traders are offered training materials and work in demo mode.

Asset Management? People who invest their own capital want to have a high income at the exit, an order of magnitude higher than the deposit made. They can invest capital in VTB 24 mutual funds. What is the reason for such actions? The answer is by increasing shares. What is the most profitable way to invest funds? First, you need to understand what asset management from VTB 24 and mutual funds is, and only after that search for the safest and most profitable way to complete a transaction.

Who is in charge?

Assets are managed by qualified employees belonging to the financial sector. Their task is to make profit as much as possible. It is also necessary to take measures to reduce all perceived risks. If these conditions are not met, the transaction may become unprofitable, which will cause losses to investors. If the diversification process is carried out correctly, the investor will receive a large profit, significantly exceeding the market one, even when the company operates below the expected level.

Specifics of mutual funds in VTB 24

When giving preference to mutual funds from VTB 24, you need to first compare the profitability, and this is mandatory. You also need to pay attention to the fact that there are two ways: carrying out the procedure yourself or entrusting it to professionals who know a lot about such matters.

First you need to understand what is asset management for mutual funds in VTB 24? It represents the accumulation of capital of individuals and legal entities who are investors. Hereinafter they are called shareholders. What is the essence of the program? Thanks to large sums of money, you can take part in such procedures on a confidential level, similar to trading on the financial market. Income is received by mutual funds without any risks. When the reporting period ends, mutual fund specialists receive their profits, which are subsequently divided among shareholders. Of course, the management company also receives income. A percentage of this profit is transferred to the persons who carried out the financial procedure, depending on what was stated at the time of concluding the agreement on the transaction. Asset management of the commercial bank VTB 24 is now very popular.

What is it? represent assets with high liquidity of the following sample:

• bonds and shares, both with and without government participation;
• securities and precious metals of foreign issuers;
• deposits and Eurobonds of financial companies.

Differences between funds

There are certain differences between all funds, which consist in the specifics of the work and in the structure of the corresponding profile. The state of the industry is reflected in the structure of mutual funds. Investors also need to take into account that such transactions can both bring great profits and, in principle, not become a source of income. In this case, the deposit is not refunded. In this case, the reason is a fall in quotes. Therefore, before investing your capital, it is necessary to assess the expected risks. This is why it is best to get expert advice. What is the method of asset management for VTB 24 Bank?

Mutual Fund "Treasury VTB 24"

There is a stated objective of investing cash in the instruments segment. In this case, a fixed income is provided. What are its advantages? The fact is that they focus on the safety of investors' funds. In this case, the profitability looks like this: the purchase of government, subfederal, and corporate bonds, which have a fairly high degree of credit quality.

Credit examination

Profitability and risk are stabilized through a preliminary credit examination. Active management of duration is also of great importance, which depends directly on the opinion of the manager, assessing the dynamics of interest rates depending on market indicators. What does such a system rely on? Initially, a thorough analysis of issuers is carried out. The current process in macroeconomics both in the Russian Federation and throughout the world is also very important. In this case, the investment period is from one year. The interest rate ranges from 0.09 to 0.55 per day. To obtain more current information, you need to visit the official website of the financial organization or contact a financial segment employee.

"VTB 24 Capital" - asset management

The profitability of VTB 24 mutual funds is obvious. Such a program is quite in demand among the clientele of a financial institution who are looking for an option for acquiring income in this area, but do not have the necessary knowledge to independently carry out the bidding procedure. In this case, shares are an excellent option that does not require scrupulous work or a lot of time. These issues can be dealt with by a specially trained employee of a financial institution for a certain fee. Why does asset management attract special attention from clients at VTB 24?

As an example, you can take an electric power mutual fund. The purpose of investing is to invest in the shares of the relevant companies. This is done for long-term capital growth. In this case, assets can be placed in both ordinary shares and preferred shares. Validity period: from two years. A specialist working on such a program first develops strategies and analyzes schedules. In this case, the risks will be eliminated almost completely. Every investor should still understand that there is no 100% guarantee.

The profitability of asset management at VTB 24 varies from 0.09 to 0.55% per day.

How can you become an investor?

To purchase shares, you need to register your “Personal Account” in the system. To do this, you need to visit a VTB 24 branch and provide all documents to bank employees. This procedure lasts no more than fifteen minutes. In the future, the investor carries out his actions in the financial institution’s system through the “Personal Account” on the official website. This improves the level of service and ensures security, since all financial transactions require entering a code sent to the phone number specified during registration. A VTB 24 client can cooperate with such organizations as Solid Management, Investment Partners and VTB 24 Capital Asset Management.

Like many other large financial organizations, it formed its own mutual investment funds (UIFs) of open (17) and interval (2) types to attract investments from the general population in various economic spheres. The role of the main management company is performed by " VTB Capital Asset Management", part of the VTB financial group.

Which VTB is best for investing is a personal matter for everyone: you can choose at random, you can trust the opinions of others by reading reviews, but there is a more reasonable way - read detailed information about each of them, and then choose the most suitable fund based on strategy and profitability .

VTB mutual funds - bonds

Bond mutual funds are characterized by a minimal level of risk, average profitability and are well suited as an alternative to bank deposits.

Mutual Fund "VTB - Treasury Fund"

This fund, created at the beginning of 2003 and until August 2007, was known as “ Leader Finance", specializes in ruble investment of money in fixed income securities, that is, bonds. Investments are made in both federal and subfederal, as well as corporate bonds with the most favorable ratio of profitability to risk level.

The main task is to preserve the funds of shareholders under any conditions from depreciation by inflation and as a result of other negative economic phenomena, but this is only a minimum task and the average return is often almost 2 times higher than that on bank deposits, which allows you to earn good extra money. Thus, based on the results of the last 12 months, the price of a unit of VTB Mutual Fund has increased by 15%.

Over 3 years, this figure amounted to +50%, and the NAV of the fund today is already more than 2.26 billion rubles, the price of a share is more than 50 rubles.

Managers are able to achieve such results thanks to the competent distribution of the fund’s assets between various assets, some of which are designed to minimize risks as much as possible, while others are designed to increase the increase in the value of shares. The mutual fund is a holder of such bonds as Transnf 03 (7,77%), MOESK, BO-08 (5,14%), Rosneft 001P-02(5.10%), etc. The portfolio structure is as follows:

• energy – 25.04%;
• manufacturing and service sector – 16.33%;
• financial sector – 15.98%;
• telecommunications – 13.05%;
• electric power industry – 9.17%;
• raw materials and materials – 9.08%;
• subfederal and municipal bonds – 5.44%;
• federal bonds – 4.14%;
• consumer sector – 0.52%.

As for the conditions for joining a mutual fund, the minimum amount for which it is possible to purchase shares is from 5 thousand rubles. in the branches of the management company, VTB banks and Bank Intenza. When purchasing from agents, the minimum amount will be significantly higher:

• from 150 thousand rubles. in VTB 24 branches;
• from 50 thousand rubles. in OTP Bank, JSC CB Citibank and PJSC CB Vostochny.

The management company provides the most favorable commissions: only 1% remuneration for its work and a zero premium when purchasing a share. The size of the discount depends on the investment period and is: 2% - if the investment is less than 180 days, 1.5% if from 180 days to a year and 1% if longer. The investment period recommended by the management company itself is a year or more, but if desired, the investor can sell the shares at any time. In addition to selling, it is possible to exchange for shares of any other fund.

Open mutual fund “VTB – Eurobond Fund”

This fund was founded in mid-September 2007 and until October 2013 it was called “ VTB - Financial Sector Fund" Like the previous one, he invests mainly in securities with a fixed value, but this time investments are made in Russian Eurobonds issued in US dollars, which in the long term makes a profit not only through payments on bonds, but also due to the growth of the USD exchange rate itself.

Mutual Fund asset structure:

• financial sector – 33.13%;
• raw materials and supplies – 25.33%;
• sovereign bonds – 18.16%;
• manufacturing and service sector – 10.59%;
• communications and telecommunications – 10.31%;
• energy – 1.72%.

The mutual fund's portfolio contains such debt securities as “Russia 4.75% 05/27/2026” (9.81%), “RUSSIA 4 1/2 04/04/22” (8.35%), “VTB BANK 9.5% Perpetual (Call )" (7.15%), etc.

Investing in this mutual fund is recommended for passive investors who want to hedge against risks associated with the depreciation of the national currency and receive income that exceeds the maximum rates on foreign currency deposits. In order to appreciate this, just look at the dynamics of the value of shares: over the last 3 years, 113.73% was receivedprofit, which is achieved by few VTB mutual funds. However, annual figures (-4.08%) remind us that even such reliable investments are subject to a certain risk. NAV is 755.97 million rubles. and so far shows negative dynamics. At the moment, the cost of a share of this mutual fund is within 11 rubles.

What is the significant difference between this bond fund and the previous one is the minimum amount of initial investment through the management company - it is 10 times more (50 thousand rubles). When purchasing shares through agents, the conditions are the same as at Treasury. As for commissions, some of them are a little higher, but in general the picture is the same:

• 1.1% of NAV for management, versus 1% in the previous case;
• 0.5% payment for special services. depositary;
• Most agents do not have a premium (except for JSC Citibank, where the following tariff applies: for an investment of less than 1 million rubles - 1.5%, from 1 to 5 million - 1.25%, more than 1 million - 1 %.);
• The size and conditions of the discount are similar to those in the previous fund.

The fund allows you not only to sell or buy shares, but also to exchange them for those in any of the other VTB 24 mutual funds. The recommended minimum investment period is also 12 months.

Mutual Fund "VTB - Bond Fund Plus"

Another VTB fund that invests foreign currency in Eurobonds, only this time they belong not only to Russia, but also to other developing countries. It was formed at the same time as the previous mutual fund - on September 13, 2007 and is managed by the same company as the others - VTB Capital Asset Management. But there are significant differences in the industry structure of assets:

• sovereign bonds – 22.71%;
• manufacturing and service sector – 21.14%;
• raw materials and materials – 11.47%;
• financial sector – 10.88%;
• communications and telecommunications – 8.82%.

In addition to the “RUSSIA 4 1/2 04/04/22” (11.48%) or “Russia 4.75% 05.27.2026” (11.23%) already known from the review of the previous mutual fund, Peruvian bonds can be found in the portfolio of this fund “ Minsur 6.25% 02/07/2024" (11.47%), Mexican "Credito Real 7.25% 07/20/2023" (10.88%), Turkish Anadolu 3.375% 11/01/2022 (9.94%) and other exotics from developing countries .

On August 19, 2015, there was a radical change in the investment strategy, so at the time of writing there is no information on the profitability of VTB Mutual Fund for 3 years. The annual statistics and chart are not impressive - only 1.06% profit. NAV is also small - 110.55 million rubles. and still maintains a downward trend. You can buy shares of this mutual fund at a price of 20 rubles.

The management company's remuneration is up to 1.5%, the services of the depositary, auditor and registrar are 1%, and the minimum allowable amounts for the purchase of shares are similar to those of the Treasury Fund, otherwise all the figures are standard and have already been described earlier.

Mutual Funds VTB - shares

Unlike bonded mutual funds, equity funds have a high level of risk and are not suitable for all investors, but the risk is compensated by the likelihood of receiving large incomes in the event of growth of securities from the mutual fund's portfolio.

Mutual Fund "VTB - Share Fund"

This mutual fund was founded on September 13, 2007 and specializes in investing money in shares of Russian companies (mainly 1st tier, but the strategy also provides for the possibility of purchasing up to 30% of securities of 2nd tier companies). Before purchasing a particular stock, a thorough fundamental analysis is carried out and only the most promising and liquid ones are included in the portfolio, such as (13.89%), (13.83%), (8.83%), (6.36% ) and etc.

Currently, the sectoral structure of the fund’s assets looks like this:

• energy – 44.92%;
• financial sector – 22.78%;
• raw materials and supplies – 14.73%;
• communications and telecommunications – 9.48%;
• consumer sector – 5.37%;
• manufacturing and service sector – 1.04%;
• electric power industry – 1.04%.

The fund's return over the past 3 years was 87.61%, and for the year 15.09%, which is not too bad. NAV is 529.53 million rubles. and gradually increases. The cost of one share is within 20 rubles.

The minimum investment time recommended by fund analysts is 1.5 years, there is no premium, the discount and cost of the VTB Mutual Fund (the minimum amount for purchasing shares) correspond to the previously described standard values, but the management company’s commission here can reach up to 3%.

Open Investment Fund "VTB - Prospective Investment Fund"

This open mutual fund is in many ways similar to the previous one; the main difference in its strategy is that the emphasis is primarily on Russian 2nd echelon companies. Investing up to half of the fund's assets in "" is considered only if there is a real lack of opportunities for more attractive investments. Along with promotions ALROSA(5.81%) in the fund's portfolio you can find securities of such companies as (6%), Detsky World(8.06%) or X5 RETAIL GROUP(5.81%), and its industry structure today is represented by:

• financial sector – 20.69%;
• consumer sector – 18.57%;
• electric power industry – 16.91%;
• manufacturing and service sector – 11.7%;
• raw materials and supplies – 11.18%;
• communications and telecommunications – 8.58%;
• energy – 5.6%;
• IT – 1.41%.

A more risky strategy and competent management have so far provided the fund with excellent returns - +27.53% for the year and 114.5% for the last 3 years, while the NAV of the mutual fund is not at all large, only 173.1 million rubles. You can buy shares for 16 rubles.

Open Investment Fund "VTB - Global Dividend Fund"

This equity fund, founded in 2003 and until mid-2012 known as “ Leader Invest", specializes in investments not only in Russian companies, but also in foreign ones. The investment strategy defines their ratio as 30% to 70%, and, as the name implies, not just promising shares are selected, but only those foreign companies that consistently pay solid dividends and have a capitalization of $5 billion or more. The largest shares are in securities ETF - Vanguard High Dividend Yield ETF(14.84%) and Schwab International Equity ETF (12,09%).

This approach allows you to insure against the collapse of the domestic stock market, earning money even when it falls and these are not empty words, the mutual fund’s profitability for 3 years was 51,27% , and for 12 months - 1.78%, however, the fund’s NAV is small - only 98.8 million rubles. The cost of one share is about 43 rubles.

The distribution of the fund's assets by industry is as follows:

• broad market instruments – 26.94%;
• financial sector – 17.32%;
• electric power industry – 12.74%;
• communications and telecommunications – 9.94%;
• energy – 9.61%;
• raw materials and materials – 9.16%;
• IT – 4.74%;
• consumer sector – 4.67%.

The threshold for entering a mutual fund is quite high; even when purchasing through a management company, you will have to shell out at least 50 thousand rubles; the tariffs of other agents are standard and have already been described. As for commissions, VTB Capital Asset Management charges 2.4% for its work, all other values ​​remain unchanged.

Mutual Fund "VTB - Oil and Gas Sector Fund"

The name speaks for itself and long descriptions are not required here: investments are made in domestic oil and gas corporations ((14.87%), LUKOIL(14,68%), GAZPROM(14,48%), Gazprneft(13.68%), etc.). The fund's return depends entirely on the state of the Russian oil and gas industry and is now 4.1% for 12 months and 47.49% for 3 years. NAV is 201.92 million rubles.

For optimal income generation, experts recommend investing in this mutual fund for at least 2 years.

As for joining the fund, the minimum amount for purchasing shares is 5 thousand rubles. in the case of a management company, the amounts for agents are standard and unchanged. The management company's remuneration is 3%, the remaining commissions are similar to those already announced earlier.

"VTB - Consumer Sector Fund"

This fund, like the similar Sberbank Mutual Fund, invests in shares of companies that produce consumer goods and are focused on providing services to the population. The increase in the value of shares is achieved by a banal increase in the value of assets. The fund's portfolio includes securities of companies such as X5 RETAIL GROUP (15,99%), Detsky World (13,74%), LNTA LI Equity(12.32%), (10.60%), etc.

Today, the growth of the industry contributes to the receipt of good income for the mutual fund - 19.19% for the year and 112.59% for 3 years, which is quite good for such a highly specialized fund. NAV is equal to 178.63 million rubles. You can buy shares of this mutual fund for 20 rubles apiece. All commissions and tariffs are similar to those of the oil and gas sector fund.

Open Investment Fund "VTB - Fund of Enterprises with State Participation"

Here, too, no special explanation is required: the fund considers for investment the securities of only those promising enterprises from an investment point of view, in which the state owns a significant percentage of shares. Unlikethe two previous highly specialized funds, this one is not limited to any one industry and is ready to invest in shares of companies of any specialization, there is only one condition: the state owns a controlling stake.

The portfolio structure currently looks like this:

• energy – 35.39%;
• electric power industry – 23.76%;
• financial sector – 19.79%;
• raw materials and supplies – 8.52%;
• manufacturing and service sector – 6.59%.

Among the assets of the mutual fund you can find different shares: Gazprneft(10,29%), Sberbank(9,11%), Mosenergo(8,81%), ALROSA(8.52%), etc.

Over the past 3 years, the price of a VTB mutual fund share has increased by 116.6%, and over the year by 27.31%, which is quite good. The NAV of this fund is 496.57 million rubles. and has positive dynamics. The optimal investment period is from 1.5 years.

Open investment fund "VTB - Telecommunications Fund"

Again, a highly specialized fund that invests in only one industry - telecommunications, with an eye to increasing asset prices in the long term. Such a narrow specialization can contribute not only to large profits, but also to significant losses, so investing in such funds is only good as part of an overall strategy with investments in different industries.

The composition of the portfolio is similar to a similar mutual fund of Sberbank: MTS(15,01%), Yandex(13,62%), Mail.ru(13.58%), etc. As for the profitability, it is still low - 1.24% for the year and 32.08% for 3. The NAV of the fund is just over 144 million rubles. Managers recommend investing for at least 2 years, and the cost of a share is within 15 rubles.

Open Investment Fund "VTB – Electric Power Fund"

The mutual fund invests only in Russian companies in the electricity industry: Inter RAO UES (17,15%), RusHydro(15,15%), Mosenergo(11,23%), OGK-2 (10,77%), FGC UES(10.28%), etc.

VTB specialists advise investing for at least 2 years to obtain optimal profit, which is 44.8% for the year and 111.7% for 3. NAV 529.14 million rubles.

Open Investment Fund "VTB - Metallurgy Fund"

Another highly specialized VTB mutual fund that invests in the industry indicated in the name, that is, metallurgy ( ferrous, non-ferrous, rolled and pipe production) and mining. Today in its portfolio the fund holds shares of such corporations as (14.40%), ALROSA(14,06%), NLMK(13,49%), (11,95%), RUSAL(10.29%), etc. For the year, the profit on investments was 13.25%, the three-year figure is 115.27%. The value of net assets is 187.67 million rubles.

Open investment fund "VTB - BRIC"

This fund is one of the oldest in Russia; its rules were registered back in August 1997. The essence of the investment strategy, as always, is clearly revealed by the name, since BRIC is Brazil, Russia, India and China. Investments go into promising companies from these countries, as well as shares that repeat the dynamics of the indices that include them. The portfolio structure today looks like this:

• ETF – 30.02%;
• energy – 23.23%;
• financial sector – 12.75%;
• IT – 9.74%;
• broad market instruments – 9.42%;
• communications and telecommunications – 8.34%;
• raw materials and materials – 3.86%;
• manufacturing and service sector – 0.36%;
• electric power industry – 0.36%;
• consumer sector – 0.32%.

Among the assets of the mutual fund you can find different shares: SPDR INDEX SHS FDS ETF (13,93%), LYXOR MSCI INDIA INDEX ETF (9,42%), MCHI US Equity (8,57%), (5,64%), LUKOIL(5.47%), etc. The return for the year is almost 15%, and for a three-year period 68.67%. The NAV size is 109.9 million rubles.

It is recommended to buy shares for at least 1.5 years, and the minimum amount should be no less 50 thousand rubles. As for commissions, for the management of the mutual fund VTB capital asset management charges 2.5%, and payment of various expenses can reach up to 2% of the average annual NAV of the mutual fund.

Mutual Fund "Victory Square"

This time the title says nothing about either the strategy or the preferred investment objects, so we will do it. The main criterion for selecting shares for a portfolio is “ Victory Square"is not only significant growth potential, but also the obligatory presence of high investment demand. By industry, the structure of the fund's assets presents the following picture:

• raw materials and supplies – 36.79%;
• manufacturing and service sector – 20.17%;
• electric power industry – 18.89%;
• financial sector – 4.5%.

Mutual Fund invests in various stocks, here and GMKNorNik(9.38%), and Aeroflot(8,52%), TRMK(7,94%), RUSAL(7.76%), etc. The possibility of very large profits once again coexists with the same risks. For example, over the last year, investors received 39.54% profit, and over 3 years, 131%. The NAV of the fund is at the level of 203 million rubles.

VTB mutual funds of mixed investments and other assets

Open-end mutual investment fund "VTB - Balanced Fund"

Funds of this type combine the qualities of mutual funds of stocks and bonds, representing something in between, both in terms of profitability and risk level. The basic strategy is an even division of the fund's assets 50/50 between bonds and shares, however, to optimize profits, managers constantly monitor the economic situation and, if necessary, redistribute assets. For example, now the portfolio structure looks like this:

• energy – 31.13%;
• financial sector – 19.41%;
• raw materials and supplies – 15.02%;
• communications and telecommunications – 8.97%;
• subfederal and municipal bonds – 6.94%;
• manufacturing and service sector – 6.86%;
• electric power industry – 6.1%;
• consumer sector – 3.97%.

The fund's assets include various securities: LUKOIL(7,87%), GAZPROM(7,43%), Sberbank(4,84%), SIBUR Holding, 10 (4.15%), etc. Over 12 months, managers managed to make a profit of 13.68%, and the three-year figure was 59.76%. The NAV of the mutual fund now includes 283.56 million rubles.

Open-end mutual fund "VTB - MICEX Index"

This mutual fund is characterized by the fact that it invests funds primarily in the shares of 50 companies included in the index, trying to bring its profitability to maximum compliance with the growth of the index. Investing in a fund such as this allows shareholders to evaluate the skill of the management company by comparing the results with the movement of the stock index. Currently, the sectoral structure of mutual fund investments presents the following picture:

• energy – 46.88%;
• financial sector – 21.46%;
• raw materials and materials – 14.05%;
• consumer sector – 6.81%;
• communications and telecommunications – 4.92%;
• electric power industry – 3.3%;
• manufacturing and service sector – 1.4%;
• IT – 0.87%.

According to the latest data, the annual return of the mutual fund was +8.21%, and the three-year return was +58.61%. The NAV is just over 634 million rubles. It is reasonable to invest in the fund for at least 1.5 years. As for commissions, the only difference is in the amount of remuneration of the management company; it is 2 times lower and amounts to only 1.2%.

Open-end mutual fund of the money market “VTB – Money Market Fund”

A stable mutual fund, formed at the end of September 2007, with investments mainly in the money market, for those who do not like big risks, its only drawback is the significantly limited prospects for profitability.

Low risk is ensured by predominantly investing in federal bonds, the share of which currently reaches 73.82% of all assets in the portfolio; The following industries in terms of investment volume are: financial market –16.85%, communications and telecommunications – 4.42%, as well as manufacturing and services – 3.97%. Among the securities in which the mutual fund invests one can find: LenSpetsSMU, 02 (4.76%), MIA KB, BO 3 (4.70%), DeltaCredit BO-19 (4.54%), etc.

Even such a cautious strategy as this fund adheres to provides a return of 8.18% for the year and 26.41% for 3 years, but the NAV is still quite small and equal to only 42.8 million rubles. The management fee here does not exceed 1%, and for audit, special. deposit and registration only 0.7%.

IPIF of mixed investments "Kuznetsky Most"

This fund belongs to a fundamentally different category of mutual funds - interval ones, which means that you cannot freely buy and sell its shares at any time, for this there are strictly designated periods of time: from the 1st to the 14th of March, June, September and December every year. The remaining conditions, in particular, the cost of VTB mutual funds (shares), are the same as most of the previous ones: minimum 5 thousand rubles. when purchasing through a management company.

With an average level of risk, Kuznetsky Most demonstrates a good level of profitability - 16.75% per year and 108.16% over 3 years. This is achieved through a smart balance between stocks with high growth potential and reliable fixed income bonds. The structure of assets today is presented as follows:

• raw materials and supplies – 19.46%;
• manufacturing and service sector – 18.38%;
• consumer sector – 17%;
• financial sector – 12.1%;
• communications and telecommunications – 10.11%;
• electric power industry – 7.59%;
• IT – 6.44%;
• Sub-federal and municipal bonds – 4.13%;
• Energy – 3.62%.

NAV of the mutual fund is 198.78 million rubles.

IPIF of the commodity market "VTB - Precious Metals Fund"

This mutual fund, like the previous one, is interval, but its sales/purchase/exchange dates are different: from January 14th to 27th, April, July and October of each year. The conditions for the minimum purchase amount of shares and all commissions are similar to those of Kuznetsky Most, except for one - the fee for audit, registration and special depository, which here is 0.8%.

As for assets and investment strategy, the fund, as the name implies, invests only in precious metals, at the moment it is:

• gold – 47.64%;
• palladium – 19.77%;
• silver – 16.76%;
• platinum – 14.81%

An investment in this mutual fund is more designed to insure against risks due to economic crises than to obtain significant profits, therefore it is recommended to invest not in it alone, but only together with the purchase of shares of other funds. As confirmation, one can cite its profitability, which for the year showed a negative result of -10.28%, the three-year figure is only 34.37%. The NAV of the fund is 163.19 million rubles. Fund specialists recommend investing for at least a year.

If you are looking for investment opportunities for yourself, you can compare VTB offers with. But in both cases you will see the average return of funds at the level of 10-20% per annum. .

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