Trading stocks is now easier if you have a brokerage account and an internet-enabled smartphone. This is a great option for making money if you understand the financial market. Earnings can significantly exceed your income on a Sberbank deposit by the same amount. What is the Sberbank Investor Application and why is it remarkable? Let's figure it out.

Sberbank Investor- This mobile app where it is convenient to buy and sell stocks and bonds Russian companies. You can buy "a little" of Sberbank, Gazprom, Aeroflot or others and earn on the growth of shares. For example, Sberbank shares grew by 71% in 2016.

Investing in stocks is not only an opportunity to earn money, but also the risk of losing some of the money invested. Therefore, we have added investment ideas from the best analysts of Sberbank to the application. Experts will tell you where to invest money in order to reduce risk and get income.

How to start earning?

• First you need to install the Sberbank Investor application on your smartphone. You can download the Sberbank Investor app at the link: Android iPhone/iPad
• The next step is to open a brokerage account: you can do this directly in the application itself or on the Sberbank website
• Now we need to replenish the newly opened brokerage account
• The last step is to select stocks and securities and invest

The application takes into account and thought out all possible actions in such a way that it was impossible to accidentally buy shares or securities - each important operation is confirmed by a code from SMS. Thus, all your investments are protected. In the application, you can view trends in the financial market and choose the type of investment that is more attractive to you - read news about important financial events without leaving the application. Investors need to understand that returns can be both positive and negative. Do not take as a basis the experience of past investments in the financial market. Financial market investment is constantly changing, so something goes up, something goes down in value. We must be ready to accept any variant of the dynamics of the growth of securities. It is best to form your investment portfolio from different types securities — this way you will be able to minimize your risks and increase your income. When you first log into the app, you will be prompted to answer a couple of questions to help you determine what suits you best: moderate income with low risk or high income with higher risk.

Get a login and password for Sberbank Investor

To receive a login and password, you need to open a brokerage account with Sberbank: to do this, go to the Sberbank Investor application and click the "Fill out an application for opening brokerage account» If you open a brokerage account for the first time with Sberbank, you will need one visit to the office to sign contracts. You won't have to go anywhere in the future. Once you receive your invoices, they will automatically appear in the app within 3 business days. For existing customers of the Bank who have activated the QUIK service and the method of submitting an order with two-factor authorization: 1. Prepare a code table for identification. 2. Call the Bank's "Broker Service Support" department by phone to enable login and password authorization (without keys). 3. SMS with a temporary password will arrive within 5 minutes. 4. Download from the AppStore to your mobile phone Sberbank Investor. 5. Launch the application. In the authorization window, specify the agreement code (contained in the notice sent by the Bank by e-mail) as the login and the temporary password received by SMS from the Bank. 6. The application is launched and ready to go. When you first log in, the program will prompt you to change your temporary password to a permanent one. Login- number of your main brokerage account. Password comes in SMS from the bank when opening a brokerage account. If you have opened an account until June 13, 2017, then fill out and send the form below and receive a password via SMS from the Bank within 15 minutes on business days from 09:00 to 18:00 Moscow time. Or get a password in the service customer support by phone 8 800 555 55 51 (be ready to give the code from the investor table). This authorization method is available to the bank's customers who, when concluding a brokerage agreement, have chosen the method of submitting orders "Using two-factor authentication". If you suddenly forgot the password for the Sberbank Investor application, then call 8(800) 555-55-51.

How to fund a brokerage account with Sberbank

A brokerage account with Sberbank can be quickly and conveniently replenished at. To do this, just select the debit card and the credit account in your account, as well as confirm the operation by SMS. You can start trading in the app with any amount. Now you know how you can make money if you have time and a brokerage account opened with Sberbank. Investments will help you gain financial independence and make a profit without spending a lot of time in a day. The main thing to remember is the main rule of the investor: all investments must be made deliberately and slowly.

Related materials

Brokerage services of Sberbank to individuals

Traditional review of the broker Sberbank CIB

With the growing popularity of investments in Russia, the competitive advantages of a particular broker come to the fore. These are reliability, tariff policy, speed of execution of transactions, level of customer support. Let's see what one of the largest brokers in Russia, Sberbank Broker, is ready to offer and get acquainted with the reviews of colleagues.

What tools does the Sberbank broker offer?

I have been blogging for over 6 years now. During this time, I regularly publish reports on the results of my investments. Now the public investment portfolio is more than 1,000,000 rubles.

Especially for readers, I developed the Lazy Investor Course, in which I showed you step by step how to put your personal finances in order and effectively invest your savings in dozens of assets. I recommend that every reader go through at least the first week of training (it's free).

Brokerage services of Sberbank are carried out by its subdivision Sberbank CIB (until 2102 - Troika Dialog). According to the Moscow Exchange, as of May 2018, almost 300 thousand clients received access through this broker, which is only 4 thousand people less than the market leader. But at the same time, in terms of growth in the number of clients over 5 years, SB lags behind non-bank brokers. As a rule, bank customers prefer reliability to other factors, while the clientele of independent brokers is a wide range of instruments, quality of service (especially the speed of order execution and communication stability), as well as a “friendly” site interface. Sberbank broker for private investors offers assets traded on the stock exchange:

• Stock market ( Russian shares and bonds, mutual funds);
• Derivatives market (options and futures on Russian assets);
• Commodity market (oil, metals, agricultural products);
• Currency market.

From foreign instruments to this moment only exchange-traded funds are available. Qualified investors can also make transactions on the over-the-counter market, where Russian and foreign securities are traded. Of its own instruments, the Sberbank broker offers a wide range of mutual funds, as well as structured notes with partial or full capital protection, some of which are intended only for qualified investors. You can become a qualified investor by fulfilling any of the following conditions:

Mutual investment funds Sberbank broker

We are managed by Sberbank Asset Management. In total, at the moment, more than 20 funds are under its regulation, most of which have a positive return on the basis of 3 years. You can buy a share through Personal Area on the official website of Sberbank. In this case, a down payment of 1 thousand rubles is sufficient. If you make a purchase at the SB office or Sberbank Asset Management, an initial fee will be from 15 thousand rubles. When buying, a commission is charged from 0.5 to 1%, depending on the amount invested. When selling a share, a commission of 1–2% is also charged if the share holding period is less than 731 days. If you hold a share for a longer period, no commission is deducted from the sale. Investing in mutual funds of Sberbank is especially profitable for periods of more than 3 years. In this case, when selling a share at a price higher than the purchase price, the income tax(personal income tax). Maximum Profit, which is exempt from taxation, is 3 million rubles. in year. Of course, this is not a gift from Sberbank to a broker, but a privilege stipulated by law, called the privilege for long-term ownership of securities (LDV). Let's compare the profitability of one of the most profitable mutual funds of Sberbank - "Sberbank Balanced Fund" with the profitability of the market.

In this case, the market return is understood as a synthetic index, consisting equally of the bond index and the Moscow Exchange index. Despite almost 100% between the charts, the yield of the mutual fund is higher than the market during the entire period of its existence.

Trust management

Among the services of Sberbank broker to individuals, an important place is occupied by trust management services: ruble and currency strategies with varying degrees. The minimum amount for investment is $10,000, but in most strategies it is in the range from 3 to 7 million rubles. The commission for management services at first glance seems small (2% per annum of the amount under management is withdrawn daily). But you need to take into account that in the case of long unprofitable periods, the remuneration is still paid, which can lead to large losses for the client. The risk statement of Sberbank Asset Management JSC states that some strategies allow the manager to invest up to 100% of the client's funds in one asset. In the event of the issuer's bankruptcy or default on the part of the manager's counterparty, the client may lose all invested funds. Therefore, it is preferable for an experienced investor to act independently and form diversified securities. The only one that provides full protection investor's funds, "Capital Protection", has a yield lagging behind the average market.

Terms of service and tariffs of Sberbank CIB

You can open a trading account with a Sberbank broker at any SB branch or online. When opening a brokerage account, you must specify the details of the account to which money will be withdrawn upon withdrawal. It is more convenient if it is also open at Sberbank. Usually, along with a brokerage account, bank employees also offer to open an individual investment account () that allows you to receive tax deductions one of the types: A or B. You can open such an account either through PJSC Sberbank, and through management companies (Sberbank CIB and Sberbank Asset Management). Open via management company not recommended: in this case, you will have to conclude an agreement trust management and pay a commission both for opening an account and for closing it. Trading operations performed on a brokerage account and on IIS are accounted for separately.

One of the main advantages of a Sberbank broker for novice investors is the absence of an amount limit for opening a brokerage account. Theoretically, you can start working with a deposit of several thousand rubles. Of course, this does not apply to investing in mutual funds, as well as to trust management services. Despite the fact that the geography of Sberbank CIB includes a number of global financial centers, such as New York, London and Zurich, access to foreign countries is open only to corporate clients. In general, it is noticeable that the brokerage service of Sberbank is aimed more at them than at private traders. It is extremely difficult to get comprehensive information about the conditions and tariffs for private traders through the broker's official Sberbank portal; it is easier to get into some sections through an Internet search.

At the moment, private investors can choose one of two tariffs: the basic one called "Independent" and "Investment", which can only be issued by qualified investors. Commissions of the "Investment" tariff are much higher, but it includes daily distribution of analytical materials and access to the Sberbank Investment Research portal. The quality of the Sberbank broker's analytics has traditionally been one of its competitive advantage. Unfortunately, after the recent scandal surrounding the publication of the report on Gazprom, the analytical department has lost its best specialists. Basic information about tariffs has been collected. In general, the commissions of the Sberbank broker are not the lowest on the market, but quite tolerable. Questions are unexpectedly high for such big bank the cost of lending for REPO transactions secured by securities, moreover, for both tariff plans:

However, in practice, this problem is not very significant: only qualified investors make margin transactions with high leverage, and most private clients of the Sberbank broker do not belong to them. A much more serious drawback is the lack of choice trading platform. The only platform offered to clients by Sberbank broker is, and after all, most top brokers have special trading platforms that allow you to apply complex strategies. The QUIK platform is completely unsuitable for this.

Corporate investment service Sberbank CIB presents a number of unique trading instruments for trading in financial markets.

System Features

Brokerage services are ordered on the basis of an agreement with Sberbank, on the basis of which a personal account is opened, where funds are placed for trading operations. This requires the download of a special user application (it is possible to use the mobile version). The program is used to submit user orders and transfer them by phone or online to an employee of the consultation center. When choosing a telephone method of appeals, the tariffication of applications is carried out taking into account the current terms of payment for the operator's services.

How to apply?

Brokerage services of Sberbank to individuals are available after opening an account of the same name and a universal account, if the user has a SB bank plastic, the whole process will take 2-3 minutes:

• The branch employee will ask you to swipe through the card reader payment instrument and enter your PIN. This is necessary for automatic user identification.
• Information about the owner of the plastic will be indicated in the contract, and the specified pin code will act as an electronic signature.
• For opening a universal account, you will need to pay a commission of 10 rubles. After the successful completion of the operation, account management will be available through the electronic service "SB Online@yn".
• At the request of the client, it is possible to issue a savings book.
• Additionally, an application for the provision of broker services is made and an investor questionnaire is filled out.

Package of documents:

• Identity document.
• Application.
• Questionnaire.
• Identification code.

A prerequisite is the submission of documentation within 30 days after contacting Sberbank. Brokerage services, whose reviews report high bank competition due to low commissions and the ability to conduct transactions through a mobile application or a stationary device, include:

• Two brokerage accounts: currency and ruble.
• DEPO account with a depository.
• A DEPO trading account with a depository (if the trading system of the Moscow Interbank Currency Exchange is selected).

Selection of trading platforms

Owners of a personal brokerage account can participate on the following trading platforms:

1. MICEX Stock Exchange, where trading operations are carried out with securities (stocks/bonds).
2. Futures market.
3. OTC markets.

Broker services

Sberbank provides a number of services:

• Consulting and drawing up orders through QUICK online trading services or over the phone.
• Working with commodity-unsecured money (margin trading) - the ability to use the "margin leverage" in the range of specified limits, which allows you to increase working capital and investment income.
• OTC REPO transactions. Registration " leverage» secured by securities.
• REPO-overnight - attraction additional income(2% per annum) from short-term placement of securities in personal portfolios of brokerage accounts. The service is available to residents of the Russian Federation with the status of "qualified depositor".

Tariff plan

In Sberbank, 2 methods of charging brokerage services are widely in demand:

• "Active". More high price services is explained by the increased level of service in the telephone mode. For example, urgent advice on a specific case or execution of orders, filing applications. However, applications are submitted free of charge, and according to the terms of the “self-guided” tariff, payment is 150 rubles. for the application. Online treatment is carried out according to similar tariff plans.
• "Independent". Profitable proposition for enterprising participants in exchange trading who want to manage their accounts online. For this, they are used trading systems: FOCUS IVonline or QUICK, allowing you to quickly perform operations and have access to technical analysis market. This tariff provides for a small commission for transactions with funds, but all applications are submitted on a paid basis.

Both tariffs have common indicators: with an increase in the amount working capital the level of commissions decreases, but the active account is always serviced more expensively, the difference reaches up to 1%. Other characteristics are similar.

How to deal with an account?

To carry out trading manipulations, funds will need to be credited to a brokerage account through self-service machines or by transfer from a card, after which investors can perform the following operations:

1. Operations to transfer money and securities from a trading account to the main one and vice versa.
2. Circulation of funds between several sites.
3. Cashing out an account.

Operations not related to trade can be carried out over the phone or through the QUICK system. For the convenience of customers, the possibility of contacting the Trade Desk service is provided.

Published by the largest bank in the country, the Sberbank Investor application allows private clients to purchase shares and bonds of Russian companies using a smartphone, as if in a regular online store. The functionality of the application is very convenient, and the commissions for servicing the depot correspond to the conditions of standard brokerage services at the Self-supporting tariff.

Application Features Overview

The mobile app is available on Android and iOS devices. For installation, it is necessary that the phone has not been flashed - otherwise the built-in antivirus will recognize the device as hacked and will not allow the program to start.

Functionality and management

It is worth downloading the Sberbank Investor application - and you will get access to shares, bonds and ETF units traded on the Moscow Exchange. There are more than three hundred issuers available in total, and the number of assets is constantly growing. If you need securities of a certain company, it is better to specify its ticker in advance and conduct a targeted search.

Buying shares is possible in two modes:

• by market - in this case, when buying paper, a mark-up is set in the form of 2%, and when selling, the order is reduced by 2%, this is done to guarantee the execution of the order;
• at own price – in this mode, the trader independently sets the desired selling or buying price, and it is placed in the order book.

If the order at the set price is not executed, then it is canceled - the program does not allow the transfer of positions.

If you still have questions about using the Application, then you should review it, perhaps Sberbank has already prepared an answer for you.

Overview of the Sberbank Investor Application by page:

• Profile - on this page, the trader is invited to take a test to determine his risk profile and form individual recommendations for him;
• Portfolio – the page displays all the statistics on purchased issuers: the total amount of investments, the number free funds, number of securities purchased, percentage change and absolute values portfolio value, etc.;
• Market - here is an overview of all issuers available for purchase, the page is divided into three sub-menus: stocks, bonds and funds;
• News - this section receives messages from leading financial portals, they are necessary for a trader to analyze the current situation in the stock markets;
• Investment ideas - experts from Sberbank and other analytical companies give their forecasts and advice, you can go to the purchase of recommended securities directly from the idea overview.

After clicking on any issuer, the trader is presented with full review securities: its value, chart, increase or decrease in price compared to the previous day, and other data.

Reliability and security

Investments made through the Sberbank Investor Application are securely protected. All records on the purchase and sale of securities are registered on the client's personal account and on the depo account. You can manage investments both when installing the terminal on a computer and when making a voice request by phone.

There is a demo access so that the investor can download the program, evaluate its functionality and deal with all the options without risk real money. The test mode is active for 30 days. In addition, if not everything is clear from the review, then you can download it to fully understand the operation of this system.

Another plus of the innovation is the opportunity to open a brokerage account on standard terms or an individual investment account in order to take advantage of tax privileges. It is possible to open both types and switch between them.

Rates and conditions

The cost of maintaining a brokerage account in the Sberbank Investor Application corresponds to the Self-supporting tariff plan. The commission depends on the daily turnover in the stock market:

• 0.165% - up to 50 thousand rubles;
• 0.125% - up to 500 thousand rubles;
• 0.075% - up to 1 million rubles;
• 0.045% - 0.006% - with a turnover of more than 1 million rubles.

So, for example, when buying shares in the amount of 10 thousand rubles, you will have to pay a commission in the amount of 16.5 rubles, for 100 thousand rubles - already 125 rubles.

When buying issuers in the Sberbank Investor Application, an overview of commissions is always present - you always know exactly how much funds will be written off in favor of the broker and the Moscow Exchange.

Maintaining a depo account costs 149 rubles per month, regardless of turnover. If there were no transactions in the current month, no commission is charged.

When withdrawing money to the account of Sberbank, you won’t have to pay anything, but for transferring funds to the account of any other bank, you will have to pay 2% of the transfer.

Dividends and coupon payments are credited directly to the brokerage account, and these funds can be invested in the purchase of new securities on the same day. You can separately apply for the transfer of payments to a bank account.

The bank is tax agent, therefore, if the client sells the securities at a profit, the broker will deduct 13% tax from the income. Upon receipt of dividends and coupons, taxes will also be withdrawn from the final amount of the transfer.

How to download and start using

In order to invest in stock market using the new app, you need to:

• go to the page sberbank.ru/ru/person/investments/broker_service/req, fill in all the required fields and send your application to the broker;
• wait for the manager’s call and drive to the Sberbank branch indicated by him;
• sign all papers and applications, receive a table with codes and an agreement for brokerage services (if you have not previously been a bank client, you will immediately receive debit card and data for entering the online account);
• replenish your account with any convenient way, for example, through Sberbank online;
• download the Sberbank Investor application on a mobile device;
• get a password to access brokerage account by contacting the support service by phone 8-800-555-55-50, indicating the contract number and the required number from the investor table;
• log in to the application, indicating the contract number as a login, and the code received in the form of SMS as a password.

Then you can select the issuer directly on the Market tab and buy the number of securities you need, or use investment idea and go to the asset purchase interface directly from the tab with the forecast text.

The sale is carried out from the Portfolio tab, the client account needs to scroll through the screen until the desired issuer appears, tap on its name and select Sell.

Conclusion

Thus, the Sberbank Investor Application is an alternative platform for mobile trading, anyone can download it. The purchase of issuers in it is carried out by analogy with an online store. A trader can open an ordinary brokerage account or IIA to receive tax deductions. Commission for the provision of intermediary services is charged in accordance with the standard tariff plan. To obtain the status of a trader, you must contact the branch of Sberbank and conclude an agreement in writing. A broker's client can manage a portfolio directly using a mobile device or by installing a QUIK terminal on a computer.

Exchange transactions or investments in securities, with a balanced approach, can bring good dividends. But by law a common person does not have the right to make transactions. For this he needs an intermediary - entity, with a brokerage license. This role can be played not only by a specialized company or a managing organization, but also by a bank.

The trading process itself is simple, you just need to give the intermediary an order to buy, sell or do other actions on the exchange using the trading platform or by phone. Money for the transaction is placed on a special deposit. The owner and the one who makes transactions have access to it. To understand the basic principles of using the tool, let's figure out what a brokerage account with Sberbank is and what it is for.

Benefits of Sberbank

Sberbank is one of the most reliable financial institutions in Russia. Most citizens trust their savings to him. But, alas, the yield offered by them on deposits today does not cover inflation. Cash, which are placed on deposit, depreciate rather quickly. Therefore, many financially literate citizens prefer to invest their savings in stocks or bonds. Of course, this is a rather risky undertaking. Moreover, the higher the promised yield, the greater the chance of an unsuccessful outcome. But this is a topic for a separate discussion.

The story of how to open a brokerage account with Sberbank, let's start with why this particular organization should be chosen as an intermediary. There are only three main evaluation criteria:

• reliability;
• expenses (tariff plan, commissions);
• the convenience of use.

The first indicator is perhaps the most important. Especially in our uncertain times. After all, if the bank closes, it will be difficult to get your money back. Another argument in favor of Sberbank is the fact that the organization ranks second among Russian brokers in terms of turnover, second only to FG BCS. But in terms of the number of clients actively investing in securities through its mediation, Sberbank outperforms this competitor as well.

There are many organizations providing brokerage services to citizens today. That is why a novice investor risks making a mistake when choosing an intermediary. He may not be aware of many subtleties. In addition, checking the license, clarifying the data on which exchanges the broker has access to, take time. In the case of Sberbank, all information is available in free access on the organization's official website. Add here the possibility of remote work with the system, and the choice will be obvious.

Account opening

If in the recent past you open a brokerage account with Sberbank for individual It was not possible, such operations were carried out only for organizations, but today it has become easy to do. To carry out the plan, it is necessary to pay a visit to the central branch of the bank. You need to take your passport, TIN certificate, deposit book or plastic card with you.

You need to be prepared for the fact that not everyone can open a brokerage account locality so it's best to check this information first.

The procedure takes no more than half an hour. The registered client is issued a package of documents, including:

1. Two forms of questionnaires for an individual containing basic and additional information about the investor.
2. Printout of tariffs for brokerage and depositary services.
3. Transfer-acceptance act.
4. Notification of financial risks associated with the game on the stock exchange.

It is also necessary to fill out an application for opening a brokerage account with Sberbank, inform the manager of the phone number and email address. It is better to have, in addition to a brokerage, an individual (investment) account.

After filling in the required forms, the client is given an envelope containing the investor's card (code table). It comes with a storage flash drive, for which 2000 rubles will need to be paid separately. However, it is not at all necessary to spend money, it is only needed for those who are going to conduct transactions via the Internet.

Investor Questionnaire

How to start using a brokerage account

All the papers are finally completed, the brokerage agreement is concluded and work can begin. First you need to decide on the tariff, since Sberbank offers only two of them: "Active" and "Independent". The latter is intended for making transactions by phone, the trade desk number is available on the card "Investor code table".

"Active" is designed to work with exchange system in online mode. You need to know that Sberbank uses only trading QUIK platform, which you need to download from the official website of the bank.

After the software package is installed on your PC, you need to generate two keys: secret and public. Then on email [email protected] send a file called "pubring.txk" containing the "public" key. The letter must be sent from the mail indicated at the conclusion of the contract. It remains only to wait for confirmation that the key is registered by the system. As a rule, this happens within a day on weekdays. Weekends and holidays will take longer.

What should be the minimum amount on the account

After installing the trading platform and receiving confirmation of registration, you can proceed directly to work on the exchange. For Sberbank clients, one of the largest Russian trading platforms is available, this is MICEX. To make transactions on the acquisition of shares and bonds, the investor's account must have money, that is, it must be replenished.

It should be noted that the minimum amount of a brokerage account with Sberbank is not limited, that is, the client independently decides how much he is ready to invest.

But start with a very a small amount doesn't make much sense. Two or three thousand rubles is barely enough to buy the lot of one company. Such an acquisition will not bring good profit, but it will take a lot of nerve cells. Meanwhile, a successful investment mechanism involves portfolio diversification. Simply put, for high yield investments you need to buy shares of different companies.

Beginning of work

Now about how to actually make a replenishment. There are several ways to transfer money:

• submit payment order in the branch where the account is opened;
• deposit through an ATM or self-service device;
• top up your account online;
• make a wire transfer from an account in another bank.

For ruble replenishment, the details specified in the contract for brokerage services are used. The payment order also indicates a code consisting of letters and numeric characters that was assigned to the client. It is indicated in the notice, which is attached to the contract. If the operations are planned to be carried out not in rubles, it is better to ask the manager about the details of foreign currency accounts in advance. Seek out necessary information you can also on the bank's website by opening the "Broker Service" section.

You can transfer the required amount through Sberbank Online Internet banking. Our step-by-step instructions will help you do this:

Account replenished

When replenishing, you must specify the contract number. Money is credited only in a day. Therefore, it is recommended to replenish the account in advance, because the exchange is a living organism, changes occur on it every minute. Therefore, you need to be fully equipped so as not to miss the benefit. The bank does not charge fees for transferring funds. But keep in mind that money is debited monthly from the brokerage account for servicing the deposit, if any trading operations were carried out from it.

How to withdraw money from a brokerage account "Sberbank"

The client has the opportunity to use his funds placed on the brokerage account at any time. To do this, they must be transferred to the account specified in the questionnaire at the conclusion of the contract. It could be like debit card, and savings book, opened under the "Universal" deposit.

It should be noted that for annual maintenance"Plastic" will have to pay about 750 rubles additionally.

You can submit a non-trading withdrawal order by phone or through the Quick online trading system. The first option assumes the same scheme of interaction with an intermediary as during the trade deals. The daily limit is 100 thousand rubles. Upon request greater amount it is necessary to confirm the application in the trade desk, by means of a phone call. The execution of the order is carried out 2 days from the moment of its receipt by the bank.

Conclusion

The exchange is not a casino, so it is unlikely that you will be able to hit a huge jackpot here. Besides, investing is a long-term project. That is, it is not worth waiting for that having invested a thousand, in a week it will be possible to withdraw two. Therefore, it makes sense to invest only the amount that you can do without in the next five years.

No need to spend the last money set aside for an important purchase or treatment, hoping for huge dividends. It is better to start with a small amount, adding a little to it every month. Even starting with a small deposit, with such an investment strategy, over time you will reach opportunities where you can buy shares large companies making good profits.