Brokerage account how to make money. Personal experience. What risk is the investor's capital exposed to?

A credit broker is an intermediary between a bank or another credit institution and the borrower. A broker works for a fee and assists in obtaining a loan/loan on terms favorable to the client. In conditions of crisis and tightening requirements for potential borrowers, banks are more loyal to clients referred by partner brokers. Borrowers themselves understand this, which is why the market for intermediary services continues to grow. Choose the right one and honest broker in such diversity it is quite difficult. We have made a selection of brokerage companies in Moscow that enjoy the greatest trust among clients.

Trusted credit brokers in Moscow:

Broker Credit Laboratory.

Credit Laboratory is the oldest credit broker on the Moscow market. Thanks to our own automated system customer checks, specialists Credit Laboratory can assess the chances of getting a loan online or over the phone. If you are planning to get a loan urgently, you should contact this place, since this particular credit broker offers a unique lending program: Cash loan from 1,000,000 rubles at 21% per annum in rubles on the day of application. The second line of business is mortgage brokerage, thanks to discounts on bank rates, they offer primary mortgages at 8% and secondary mortgages at 10% per annum in rubles without proof of income and with a bad credit history.

Credit broker Moscow Lending Center

Moscow lending center – credit broker! Assistance in obtaining a loan in Moscow and major cities Russia

On the market brokerage services since 2016. Provides professional assistance in choosing credit products. To do this, first of all, she provides high-quality consultations for her clients. Never, under any circumstances, requires advance payment from its clients. Operates strictly according to the law. We are ready to help anyone who asks. Main areas: express lending to individuals, collateral and mortgage. Commission after completed work!

• Express loan using your passport in 1 hour
• Loan secured by real estate in 1 day
• Urgent redemption on the same day
• Mortgage in 7 days in Moscow and Moscow
• Loan for legal entities within 3 days
• Car loans on the same day

First credit broker

1st credit broker provides professional level lending services for more than 10 years. Throughout the entire period of activity, he demonstrates stability and a high level of professionalism. Our motto is constant development. We never stand still and find a way out of any difficult situation, which is why we are reliable partners.

Specializes in providing assistance in obtaining a loan of any type. With us you don’t have to worry about the purity of the transaction. Each loan application is secured by an agreement, prepayment and hidden fees completely absent. Is official credit broker, provides assistance in obtaining loans in Moscow and the Moscow region to individuals, under various purposes V short terms

We will select the optimal one for you credit product:

• cash loan from 9.9% per annum
• mortgage lending from 9% per annum
• refinancing
• loan against real estate encumbrances
• credit history check

Finance Credit

Finance Credit is an experienced brokerage company in this market, offering assistance to individuals and legal entities in obtaining a loan on favorable terms (mortgage, express loans, consumer lending without certificates and confirmation, car loan, refinancing, secured loans). The broker rather assists in obtaining a loan, negotiating more favorable conditions, rather than conducting the entire transaction from A to Z.

For its services, the company charges a fee upon receipt of money by the client; the minimum cost of services starts at 7% of the loan amount and depends on the complexity.

Royal Finances

Royal Finance (Royal Finans) - provides consulting services, assistance in selecting more favorable loan and paperwork. This broker does not have a specific specialization and specialists are ready to help with any type of loan, from an express loan based on one document to a mortgage.

The broker's website has an interesting scoring test that determines credit rating potential borrower with detailed explanations. The company also provides consulting services to bank debtors, assumes the authority of the borrower’s representative in communicating with collectors and the SB of the bank, even in court, if necessary. A kind of anti-collection agency and broker rolled into one. The remuneration is paid by the client only after receiving the loan.

MSK Credit

MSK Credit is a brokerage company that provides consulting services and selection of profitable credit programs, assistance in preparing documents and submitting them to the bank. Individuals and legal entities who want to get a consumer loan, a mortgage, a cash loan without certificates, a secured loan, a car loan, or refinancing can get help from MSK Credit.

Distinctive feature This broker is to help borrowers with damaged credit cards, the unemployed, and people who find themselves in difficult situations in obtaining money. The site has an interesting online questionnaire, by filling out which you can find out the likelihood of loan approval for each client.

Capital lending center

The Capital Lending Center is a relatively new broker on the market, offering its clients assistance in obtaining a loan in the amount of 100 thousand to 50 million rubles. SCS provides assistance in obtaining cash loans, loans for business development, secured loans, and mortgages. Collaborates with major regional banks and highly specialized Moscow financial institutions (Alfa-Bank, BZhF, Uralsib, ITB, RosEvroBank, etc.)

The broker's assistance consists of selecting several programs that meet the client's conditions and his CI, personal data; correct filling of documents, consultations at different stages, transfer of documents to the bank.

The broker's remuneration varies depending on the complexity of the task and starts from 1.5% of the loan amount, but not less than 10,000 rubles.

Proffinance

Proffinance (proffinans) is a financial group that provides consulting services and assistance in obtaining loans of various types:

1. Commercial, residential mortgage
2. Business loans
3. Tender lending, bank guarantees without collateral
4. Consumer loans, car loans, pawn loans, collateral, etc.

In addition, Proffinance provides assistance with leasing, factoring, repurchase of distressed assets, real estate services, appraisal and insurance, etc.

Premium Finance

Premium Finance, one of the oldest players in the intermediary services market, offers potential borrowers assistance in obtaining the following loan products:

• Large consumer loan up to 3 million rubles.
• Loan for small businesses without collateral and loans for medium-large businesses with collateral
• Overdraft, factoring

The list is not long, but it is enough to meet the needs of its borrowers. The company does not work with clients who have bad credit history, over-leveraged borrowers, unemployed. The specifics of the work include the complete management of the transaction, from selecting the optimal loan to the borrower receiving cash. Payment upon approval of the application.

Credit Promotion Service (CCS)

SSK is the largest federal broker in Russia with offices in Moscow, Yekaterinburg, Chelyabinsk, Novosibirsk, Omsk and Krasnoyarsk. The broker provides not only consulting and intermediary services, but also accompanies the entire process of applying for a loan (selection of options, recommendations for improving the status of the borrower, contacting the bank, filling out papers, collecting documents, transferring them to the bank).

Help through the SSC can be obtained if you need to apply for a consumer loan, express loan or cash loan, or a card with a limit. The company also provides credit history checking services.

Credit center

When a client comes to a broker's office to open a brokerage account, company employees often clarify which account needs to be opened. As a rule, broker client managers offer to open two types of accounts - brokerage (standard trading account) and IIS (individual investment account). What's the difference between them? Which option should I choose? The answers are in our article.

Brokerage account

First, let's figure out what a person gets by opening a regular brokerage account and crediting funds to it? First of all, the opportunity to become a trader/investor, to make transactions on the stock exchange with a whole list of assets ( securities- stocks and bonds, currencies, shares, futures, options, and so on) and, as a result, receive profitability from exchange trading. Clients of the brokerage company are provided with special software with which they can observe the price dynamics of various assets and make transactions with them.

Rice. 1. QUIK trading terminal - a program for making transactions with exchange assets

As for income received from transactions made on a brokerage account, it is taxed income tax in the amount of 13%, and the broker is tax agent, that is, he pays the tax for the client. The client can deposit funds into the account in any quantity and whenever he wishes. Moreover, the trader can choose how he would like to conduct his trading activities: independently or with the help of a broker. Or even connect various interaction options - for example, a trust management service, when broker professionals make transactions on the client’s account, according to the chosen investment strategy.

Individual investment account

To popularize exchange trading and inflow investment capital population in Russian economy Video course: Individual investment account From January 1, 2015, legislators introduced individual investment accounts (IIS) for individuals (residents of the Russian Federation). Owners of such accounts have the opportunity to register tax deductions, thus increasing the return on investment. To date, more than 200 thousand people have already taken advantage of this opportunity. Let's figure out what this type of account provides and whether it is worth opening an IIS.

When opening an individual investment account, an investor/trader has the opportunity to carry out transactions with exchange assets that are also available when working on a standard brokerage account - stocks, bonds, derivatives, currencies traded on the Moscow Exchange.

The main difference between an IIS and a brokerage account is that IIS owners have advantages in the form of tax deductions.

The fact is that the owner of an IIS can choose which deduction he wants to receive. There are two types of deductions: type “A” - deduction for contribution and type “B” - for income. The essence of the “A” deduction is that the person who opened the IIS can return the personal income tax paid. Simply put, if the person who opened the IIS receives a salary on which taxes are paid, then they can be returned in the form of a deduction under the IIS. Type of deduction “B” allows a person not to pay tax on income received from trading operations in this account.

But in addition to the listed preferences, IIS also has its limitations. Firstly, maximum amount annual replenishment should not exceed 400 thousand rubles. Top-ups can be made Changes in IIS in 2017 an arbitrary number of times, but the total amount of contributions should not be more than the established amount (taking into account the 13% personal income tax, it turns out that it is a type of deduction “A”). You can close an IIS only three years after opening such an account (precisely after opening, not enrollment cash), otherwise it becomes an ordinary brokerage account, and previously issued tax deductions will have to be returned to the state. One person can have only one IRA. If an investor decides to open an IIS in another company, he has the right to transfer the funds available in the old IIS to a new account. Thus, the investor still remains the owner of one individual investment account.

Now about the options for maintaining an IIS. Just like for a standard brokerage account, you can choose an independent option for performing trading operations, advisory management (when the broker offers current investment ideas) and trust management(when the investor only monitors the profitability received according to a predetermined investment strategy).

IIS gives its owner a number of advantages compared to a standard brokerage account and does not oblige its holder to do anything. Taking into account the fact that the three-year period begins from the moment the IIS is opened, such an account can be opened and held without taking any action.

Conclusion

What is better to open - a brokerage account or an individual investment account? Both options have their advantages. You can have a classic brokerage account and carry out trading operations on it, and invest the surplus of funds in an individual investment account.

It is worth considering that IIS involves long-term cooperation with a brokerage company, so its choice must be taken seriously. This must be large company, with highly qualified specialists and high reliability ratings.

Hi all. Not long ago I told you how to open a brokerage account to an individual, but it turned out that many do not quite understand what it is. Now, some of my readers know how to open a brokerage account, but have no idea why it is needed or what to do with it. So, I decided to improve.

What is a brokerage account?

If you delve into dictionaries, you won’t be able to find anything intelligible. In their words, a brokerage account is a type of account in which your money is located, and it is managed by a certain broker to whom you have given a power of attorney. But this is somehow wrong, now I’ll try to explain everything from the point of view of a person who has been using a brokerage account for several years, that is, me.

A brokerage account is an alternative to a bank deposit. Unlike a deposit, you decide for yourself what to invest in and your profitability is not fixed, but depends on the success of the investment. Even with the most conservative strategies, it exceeds deposit income.

The idea is that you give an order to buy stocks or bonds, and the broker executes it. Simply put, through a certain program or from the office, you inform the broker about your intention to buy 100 shares of Sberbank at a price of 200 rubles and the broker executes your order. This way you become a shareholder.

In my opinion, every person who cares about it is obliged to have a brokerage account. financial situation. Often interesting offers appear on the market; you can purchase profitable securities, but this can only be done through a brokerage account. Not having it means depriving yourself of such an opportunity.

Benefits of a brokerage account

Access to securities from all over the world! You can become a shareholder of Google, Yandex, Sberbank, Gazprom, Microsoft or Aeroflot in a matter of minutes. Just click a few buttons and shares of any company will belong to you. The same goes for bonds.

The opportunity to become an investor. Receive income not only from the growth of the stock price, but also from the payment of dividends. Each security purchased pays either dividends or a coupon if it is a bond. You can configure their output to your card. This opens up the opportunity to live on dividends from investments made.

You pay taxes on the income received, which makes your investment completely legal. At any time you can get a 2-NDFL certificate, which confirms your income from investments.

If you think that the dollar will rise in price, you can convert the currency and invest it in shares of American companies. Plus, in addition to the growth in the value of the dollar, you will receive growth in the purchased stock and dividends, which will significantly increase your income.

Simply put, any transactions with any securities are available on a brokerage account. It doesn’t matter whether you are an active investor who regularly makes speculative transactions or a passive one who prefers to buy a certain asset and receive dividends, in any case you cannot do without a brokerage account.

Minimum brokerage account

The opening does not provide for any restrictions on the amount. You can open an account and not replenish it at all. Use it as soon as the need arises. There are no fees for an empty account. As soon as you make a deposit, the account will be considered active, and from that moment you will start paying for its maintenance. The size of payments depends on the tariff, but on average it is about 200 rubles per month.

Individual investment brokerage account

When opening, you can choose not a regular brokerage account, but an individual investment account. This is the same account, but there are some differences, bonuses, benefits and restrictions. I'll start with the limitations.

You cannot withdraw your money for three years. That is, it is possible, no one will forbid you to withdraw them, but in this case you will not receive all the benefits and bonuses. But they exist.

The state pays you 13% on the amount of funds deposited. Or you can exempt all earnings from tax. There are people who opened an account for 1,000,000 rubles and earned 300,000 in a year. In theory, income tax in the amount of 36,000 will be withheld from them. But for IIS holders, tax will not be withheld. These are benefits for investors in Russia. If such a client chooses the first type of tax deduction, then the state will pay him 130,000 for the million contributed.

Where to open a brokerage account online

These days, going to bank offices is becoming an increasingly rare event. Especially in big cities There is simply no time for this, every minute counts. We have long been accustomed to making all payments online, and opening a brokerage account is no exception. Everything can be done remotely and without much effort. You just need to prepare. You will need scanned copies of all documents, namely passport, SNILS, NNN. After filling out all the fields and uploading documents, wait for a call from a specialist.

Brokerage account FINAM

I use this particular broker because of its reliability. FINAM has all the necessary licenses, awards, and titles to carry out this activity. In all ratings they occupy leading positions, in most they are always first. I repeat for the hundredth time I started my activity with the broker Otkritie, which I am also pleased with, but the lack of an office in my city decided the outcome in favor of Finam. Taking this opportunity, I would like to once again note the professionalism of the company and thank you for the fruitful and effective cooperation. I hope our relationship will continue in the same spirit, and I recommend all newcomers to join our investment fraternity.

In general, a financial brokerage account is:

• Over 10,000 instruments on all world exchanges including MICEX, Nasdaq, NYSE
• Daily free newsletter investment ideas, analytical reviews and recommendations from professionals
• Many programs and applications for the convenience of making transactions
• Technical support, free seminars and webinars, own school
• Access to stock, urgent and foreign exchange markets, St. Petersburg Exchange, Exchanges of America
• Ability to copy trades of successful traders

And much more

I hope I was able to tell you a little more about what a brokerage account is and what it is needed for. Just recently I heard an initiative to pension savings store in brokerage accounts. Unfortunately, such a pension model is not sustainable, because the majority of the population has no idea how to use it; it’s easier for them to pay who knows where and expect some magician to take care of their old age.

Meanwhile, a brokerage account with a conservative approach can bring up to 30% profit per year. You can secure your pension without difficulty, I have already started doing this, but what should you do?

An alternative to a brokerage account. does it exist?

There is literally no alternative. That is, the functions that an investor needs are present in this service in full. However, there are some points that make a brokerage account inaccessible, then you have to look for workarounds. If you are a citizen of Russia or do not live in our country at all, then opening a brokerage account will not be available to you. But there is a way out, you can read about it in my article -

Brokerage in our country is represented by different areas of service provision.

For example, brokers can help clients find insurance companies, banks for taking out a loan, real estate that can be bought or sold at a profit.

However, there is an opinion that brokerage is an unnecessary direction, and paying brokers for services is a waste of money, since everything can be done without their help.

The essence of brokerage

The very essence of credit brokerage is that the organization helps a person who needs a loan of a certain amount of funds (both cash and in the form of real estate, the purchase of expensive goods, etc.) choose a banking institution, as well as a program that is ideal will suit his requests, needs and the expected result.

Due to the fact that in each bank the conditions may differ for similar programs, in some places they are more profitable and in others they are not. This is where a broker helps.

He analyzes different offers and determines which bank has the best program suitable for the client, and then makes all the arrangements.

What is the job of a credit broker?

The broker works in several directions. He establishes connections with banks, has his own acquaintances and even a certain influence in them, since he is in contact with the management of a particular banking structure.

Credit brokerage provides contingent liabilities between the broker and banking organization, when both the first party and the second receive income from cooperation:

• the broker makes a profit by charging fees for services from clients;
• The bank makes a profit due to the fact that the broker brings to it reliable clients, who subsequently pay interest (or other payments) for the fact that they were given a loan.

A number of obligations between the broker and the bank still exist, since in some cases brokers become their clients, that is, brokerage is a kind of guarantor of integrity and return of money for the banking institution.

Another important function of the client’s assistant in selecting a loan for him is correct design contracts and quick collection of necessary documents.

For people who need to carry out the entire procedure urgently, and with a high chance of a positive decision from the bank, this is an ideal option.

Essentially, a broker is a representative of an individual or legal entity (depending on the form of lending required) who is the representative.

First of all, brokerage services include client representation, which can be comparable to legal practice. That is, brokers primarily take into account the interests of people, not banks, although they cooperate with both.

Payment for credit brokerage

You have to pay for brokerage services. However, it is important to remember that brokerage does not require prepayment.

Paid only after the banking institution provides the loan.

If no money is received as a result of refusal, there is nothing to pay for, since the broker was unable to fulfill his obligations.

Broker representatives often claim that payment is required in advance - you should not cooperate with such companies - they are most likely unscrupulous.

An agreement must be concluded between the borrower and the broker, and only then will your representative begin working under the actual search for a lender.

Why is brokerage profitable?!

There are several reasons why a broker's services are actually necessary:

• you can choose a loan program with suitable repayment conditions;
• you can select ;
• with the help of brokerage you can choose the best conditions;
• there is an opportunity to learn about all the subtleties and pitfalls that are usually present everywhere, but which are quite difficult to understand without external support;
• Credit brokerage is especially useful for those who have a negative credit history. If the broker agrees to become a guarantor, you have a greater chance of a positive decision;
• the broker will tell you what to take with you and how to behave;
• expensive loans may differ in price if the agreement contains one additional payment. A broker will help you avoid this.

It is important to understand that real brokers, not scammers, will never advise you to forge documents, obtain a fake income certificate, or provide incorrect information.

If you follow the lead of such organizations, you may encounter problems with the law, since you will be charged with falsifying documentation.

Before contacting credit brokerage services, you can independently analyze the different offers financial organizations. The official websites of various banks will also help with this.

If questions remain regarding the benefits of certain programs and taking out a loan in the area of ​​interest, brokers will help dispel all doubts and help you look at the situation with real eyes.

What is a brokerage account: concept + classification. What is IIS? How to make money on a brokerage account? Opening algorithm + 9 criteria for selecting a brokerage account.

Making money online among young people is becoming more and more popular every day. A person has the opportunity not only to work on a flexible schedule, but also to receive money while staying at home.

Variations of obtaining such profit huge variety, but most profitable solution there were and remain investments.

Today we will look at what a brokerage account is and why the average person needs it, and we will also explain how, by investing money in this area of ​​activity, it will be possible to achieve a stable profit.

Learn more about what a brokerage account is...

Cash is slowly fading into oblivion. Card terminals are becoming commonplace even for small shops in villages. This is not surprising, because the advantages of this type of payment for goods/services are obvious.

But what if your money generates dividends just by sitting in your account? Of course, the first thing that comes to mind after such a question is the option with bank deposit. But this is not the only way. Next, we will delve into the essence of the term “brokerage account” and analyze what it is and how it is used in practice.

1. What is a brokerage account?

We all know about payment systems. So, the brokerage account is personal virtual wallet, which is opened for trading operations by a trader on stock market and other virtual trading platforms.

Trader– an employee of a brokerage company engaged in trading on the stock market and representing your interests on it.

Broker – legal entity, which is an intermediary between the investor and the exchange.

An account with a broker is created to make a profit based on speculative transactions with any asset of the exchange market. Roughly speaking, you buy at one price and try to sell at a higher price, thereby receiving 1-2% income on top of the amount spent.

The principle is simple and understandable to everyone, but if you delve into the essence of the processes, then beginners’ heads will definitely go spinning. You can read about the intricacies of trading on the stock exchange in other articles on our website. Today our goal is to understand the brokerage account and the principles of its operation.

Benefits of a brokerage account:

• More high profitability compared to bank deposits. With a successful combination of circumstances, the investor has the opportunity to earn up to 35% per annum.
• All insure the risks of depositors, but additional service fees may apply for this.
• Possibility of receiving additional income, in addition to dividends.

Along with the advantages of such accounts, there are also certain risks - bankruptcy of the broker or an unscrupulous company. If you want to reduce the likelihood of losing money to a minimum, be very careful when choosing brokerage services.

The concepts of bank and brokerage accounts should not be confused:

• In the first case, you contact financial institution for the purpose of storing investments or conducting settlement and cash transactions with them.
• The broker provides an account for performing trading operations on the exchange market. Its status displays data on the purchase/sale of assets and makes it possible to dispose of the balance at your own discretion at any time.

2. Classification of brokerage accounts.

The Investor Services industry provides a wide range of brokerage account services. Today, the classification of accounts depends on the type/method of working with investments, as well as the number of people for whose management this financial instrument is issued.

More detailed information can be found in the table below:

Category	Type	Brief description
By form of payment, cooperation and type of transactions	Spot	Transactions are carried out using funds in the client's brokerage account.
	Marginal	Transactions can be carried out using broker funds to compensate for missing amounts.
	Optional	Allowing you to trade binary options.
	Pension	Allowing you to save on taxes.
By service methods	Classical	Provides for capital management by placing orders to the broker.
	Trustee	Involving the independent conclusion of transactions by a broker on behalf of the investor.
By number of account holders	Individual	Owned by one person.
	Joint	Open to several people at once. Divided into accounts with or without right of survivorship.

Each option has both its advantages and disadvantages.

With regard to classic, individual and joint accounts, everything is clear - the differences are reflected in the names themselves, but with the rest it is not so simple. Next, we will dwell in more detail on the most important of them.

a) Cash brokerage account.

The most common of those considered.

To conduct any trading operations on the stock exchange, an investor must have a universal payment method, which is a cash account with a broker.

With its help, a person can pay for absolutely any asset he chooses for speculative actions on the stock exchange. Average duration transfers take three days from the date of application.

When purchasing assets using this financial instrument, you must take into account the cost of the purchase - go beyond, purchasing more available amount, you can't do it here.

It is most rational to use this type of calculation when large quantities transactions (5 or more). If the seller has not received money within the agreed period of time, he has every right to submit a petition to the investor’s broker for compensation for losses + the transfer of assets is not carried out, as such, at all.

b) Margin brokerage account.

A type of brokerage account where an investor can make transactions on the stock exchange using funds borrowed from a brokerage firm, which, like in a bank, have their own interest rates.

If the purchased assets lose value, the trader will have to compensate for the losses on margin out of his own pocket. In the exchange environment, such accounts are also called deposit or trading accounts.

How margin trading works:

1. A person opens a deposit and replenishes it with a minimum (or more) amount.
2. Depending on the leverage, which is the coefficient of increase in your capital, you increase your purchasing opportunities in Nth quantity once.
3. The investor engages in asset trading and increases the inflow of funds due to increased rates on the stock exchange.
4. The profit is withdrawn to a cash account, and only part of the funds remains on the deposit, which is an amount above the minimum for making a transaction. trade deals on the stock exchange.

Opening trading positions possible only if the deposit balance is in positive territory. When the mark goes below “0”, all transactions are automatically closed, trading process stops until subsequent replenishment.

The margin account has the following indicators:

• Active balance – is a floating value, which is obtained by calculating the deduction of trading performance with residual funds. The value is constantly active and provided to the investor in real time. With its help, it is convenient to calculate the overall profitability of your actions on the stock exchange.
• Total balance – gives the full sum of money, which is on at the moment is on your deposit.
• Trade balance is a blocked part of money, which is a safety net in case of unsuccessful trading. Write-offs from this type of balance are made every time losing trade on trading platform.
• Margin is a value that determines the number of positions that you can open at the current moment of trading. Calculated from the difference between the trading balance and free money in the account.

The main task of an investor when performing trading operations on the basis of a margin account is to ensure that the margin value does not become zero, otherwise all open positions will be instantly closed and further trading operations will be impossible.

In the terminals of brokerage houses, the approaching margin value to a dangerous level is often signaled in advance, so that the investor changes his strategy and can somehow get out of the deplorable state of affairs.

c) Trust brokerage account.

The main difference from other types is the transfer of rights to carry out transactions on your behalf to representatives of the brokerage company.

This option is optimal for people who have money, but do not have the time/desire to trade on the stock market. A person just needs to transfer funds to the company’s account and receive a profit monthly.

The danger of using such accounts is the risk of being deceived by an unscrupulous broker. If you don’t pay any attention to your business, you will be charged much larger commissions than they really should be.

To avoid this situation, it is enough to check the statements 1-2 times a month (you can hire a specialist for this).

Regarding the pension account, it should be noted that this is a special type of settlement instrument that is provided to elderly people. Main feature – minimum taxation profits from investments.

This service Not all brokers have it, so you need to search for suitable offers on the market in advance.

3. What is IIS?

In 2015 Russian government decided to introduce a new type of account into exchange trading - individual investment accounts. The reason for this step was the popularization of investing in securities in our state.

Features of an individual investment brokerage account:

• implemented system of tax deductions;
• the maximum investment amount must be no more than 400,000 rubles per 12 months;
• funds can be credited only in national currency;
• spending funds is possible only on stock market assets;
• a citizen has the right to have only one IIS.

There is no risk insurance here, like on other brokerage accounts. Purchasing shares, bonds and other securities using IIS funds is possible only with domestic stock markets.

The main advantage of individual investment account is also his partial weakness - tax benefits activated only after 3 years of existence of the financial instrument.

The benefit itself is 13% of the invested amount. That is, with 300,000 rubles per year in the account, the investor will be able to return 39,000. Also, a person is exempt from paying taxes when closing the account itself and withdrawing funds from it.

These two deductions are incompatible - the decision to choose one of them must be made immediately when opening an IIS.

How to work with a brokerage account?

As we have already figured out, a brokerage account is only an auxiliary account trading instrument. It is not created for pure investment, but is used for the purpose of increasing capital and obtaining increased profits through speculative transactions on the stock market.

If your goal is not just to learn about this financial instrument, but also to start working with it, we recommend that you read the second part of our article.

1) Criteria for selecting a brokerage account + opening algorithm.

Having decided on the type of account, you can safely move on to the second stage - finding a reliable broker.

This matter is not at all simple, since as of 2018, more than 2,5,000 large and small brokerage companies were registered in Russia. Unenlightened investors have only heard about 2-3 of the largest, but believe me, brokers with favorable conditions on the stock market of our country many times more.

To select a quality broker, follow the 9 golden requirements of an investor:

Reliability.

Both private and government organization. The most stable institution was, is and will be the bank.

Although the cost of servicing such accounts is much higher here, you will not worry about the safety of your own investments.

Experience.

It’s unlikely that anyone will want to trust their money to a “sharashka’s office.” The broker must have at least 3 years of stable work behind him without negative reviews and high-profile scandals.

Possibilities.


Find out in advance whether the broker can provide you with access to the trading platform you are interested in.

The market is very broad, some areas are losing relevance (bonds), while others, on the contrary, are rising up the mountain (options). The right area of ​​trading is no less important than the trading skills itself.

Famous brokers prefer to independently modify the most popular trading platforms and customize them in accordance with the functionality that only they can provide.

If you do not trust such products, you can use public terminals.

More precisely, its price. Each account will have its own service charge. If you want to save money, look for options with a free start - the broker allows you to use the account for free from 1 to 3 months.

Minimum deposit.

Increased competition in the market encourages brokers to make ever greater concessions.

If previously the lower limit for entering the exchange market was at least 200,000 rubles, now you can easily start trading with 30,000-40,000 rubles in your pocket.

Lending.

This applies to margin accounts. The higher leverage the broker suggests, the more funds you can borrow.

Education.

If you are new to the world of investing, then the courses are just what the doctor ordered. Such services are provided free of charge at brokerage offices.

Often, with large deposits, they may even assign you a personal consultant with whom you can discuss controversial issues at any time.

Training accounts.

A very popular marketing ploy that allows you to test trading terminal without loss real funds.

If you want to start trading efficiently, when selecting a broker, try not to lose sight of this point under any circumstances.

Following all the described recommendations, choosing a broker may take a couple of days or weeks. But, if you plan to seriously engage in this type of activity, such filtering is simply vital. Having made your final choice, you can proceed to the next step - registering a new brokerage account.

1. We choose a market for investment.
2. We decide on the volume of investments that you are willing to put into the brokerage account in general.
3. We select a broker according to the criteria described above.
4. We select the optimal type of account and fill out an application to open it with the broker.
5. We receive the details of the brokerage account and replenish it.

Next comes the most interesting part – trading. Do it yourself, or use trust management - it’s up to you. But remember: if you have no desire to work in this field of activity, independent speculation on the stock market will not bring you much profit.

Real traders “live” for this, and therefore the income of such people is not temporary enlightenment, but a stable phenomenon that brings good monthly profit.

Where is it safer to keep money: a bank or a brokerage account?

Saving money. Expert advice.

2) How to make money on a brokerage account?

The only type of work that can bring you good money is trading on the stock market. A brokerage account is a tool, you are the manager, and together it is a highly profitable investment project.

Earnings on the stock exchange - a whole science, which takes months, if not years, to learn. It is almost impossible to understand all the nuances instantly, but with due diligence, even such an unattainable goal can be realized, albeit not immediately.

Alone An important point in working on the stock exchange is choice trading strategy . To decide on the exact subtype of trading tactics, you need to decide for yourself which type of trading suits you best.

There are 3 types of investors:

Long-term.

Brokerage accounts work according to the principles long term investment. The client simply buys assets and stores them in his account from 1 to 10 years.

Medium term.

Are engaged in withholding funds for brokerage account from a couple of months to 1 year. The investor sells assets either in this period of time or switches to long-term investing.

Short term.

The most common type of investor who trades securities over time periods ranging from a couple of days to a couple of weeks.

For particularly active clients of this echelon, brokerage firms can offer discounts on account servicing and increase leverage.

There are also speculators - people who carry out trading operations for buying/selling assets within 1 trading day. This type of trading is characterized by increased risks, but the average annual profit here is also higher - on average, by 10-20%.

For each type of trading, you should select your own type of account. If you are in doubt about your choice, ask for help from specialists or seek online advice from popular brokers on the network. They will not only answer questions, but also advise the most suitable options, based on the amount of capital that you are willing to deposit.

Brokerage account– only the first stage on the thorny path of trading. But if you are ready to devote all of yourself to this activity, profit is only a matter of time.