How to open IIS - step by step description, methods and recommendations

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

In the article we will consider how to open IIS.

Many people think about how best to invest money in order to increase it in a couple of years. Some want to start their own business, others trust bank deposits, others invest in cryptocurrencies. However, there is a safer and more effective method of investing - an individual investment account. Consider its features, advantages and disadvantages.

It will tell you how to open IIS and where is the best place to do it.

What is it and how does it work?

IIS refers to a type of brokerage account with incentives from the state for long-term deposits. With a deposit that remains open for three years, you can receive a 13% tax deduction from it or 52,000 rubles in cash.

The idea is quite simple. The depositor has a certain amount of money. He does not want his own business, instead he wants to engage in trade. Acquires valuable assets, waits for them to rise in price. After some time, the market value rises, and the investor can getprofit.

People often ask where is the best place to open an IIS. Comparison of brokers will be given below.

Government encouragement: what is the benefit?

In understanding people, the question immediately arises: why are such actions encouraged by the state, and does it exempt from tax payments - its main income? But in fact, both parties benefit.

Large finances are circulating in the state, but they are held by individuals, and the country cannot legally dispose of them. If rubles are not included in circulation, they will soon lose their value due to inflation.

Solving economic problems

For this reason, ISS makes it possible to simultaneously solve many economic problems:

• help the economy grow with an influx of new funds;
• teach citizens how to manage money and invest rationally;
• increase demand for domestic rubles, futures, stocks, etc.;
• open civilian income for the tax office.

Both sides remain in an advantageous position:

• country receives an influx of new financial resources;
• a saver learns to multiply their own savings, actively participates in the financial world.

Why is it worth opening an IIS (individual investment account)?

Deduction methods

There are only two ways to claim your benefits:

• Account deducted from salary. You need to provide information about the payment of 13% tax on the official salary, thenrefund of personal income tax up to 52,000 rubles. The maximum investment amount is no more than a million a year.
• Income deductible account. When the deposit closes, it is not necessary to pay 13% to the general treasury. Thus, at the end of the term, all income is withdrawn, without paying personal income tax.

The amount of money earned in the future depends on the right choice. Therefore, it is advisable to get advice from a brokerage specialist before concluding an agreement. He will analyze the official salary, profitable strategies, risks and, based on this information, will advise you to choose one or another method.

All brokerage companies have the opportunity to provide free advice.

Let's figure out whether to open an IIS?

Pros and cons, should I open it?

In the financial sector, there is a rule: the risk of burnout is greater, the higher the profit. Banks have a very low percentage due to increased reliability, the state and the insurance company additionally guarantee payment obligations:

• Personal income tax return. The country encourages the purchase of its securities, the investor is exempt from paying tax. 13% is extremely important, thanks to them you can return a large part of the profit.
• Potential profit every year up to 50%. The increase in the amount is largely determined by the choice of securities. Just the same, investors are counting on their growth. If you choose the asset correctly, then in six months you can withdraw 15% without problems. When trading without any special risks, on average, they receive plus 12% of the initial investment per year.
• More profitable than bank conditions. Banks offer clients deposits at 6-7% per annum. Positive income from risk-free asset manipulations averages 12%, plus a tax deduction (approximately 3.5% of the total amount) is added to this, and is displayed as a net profit of 15%.
• Free choice of assets. Each stock exchange player has an independent choice in which projects to invest in and at what time to close the deal. Active players and professionals consider this an important aspect. At any convenient moment, thanks to constant observations, you can open or close positions, and therefore you can always stay in the black.
• Reliable debt to the country. The banking sector, as you know, is one of the most favorite places for thieves and scammers. The bank can often close, go bankrupt. And almost all savings burn with it. The state, on the other hand, prints money itself, and therefore it easily returns the debt to the depositor.
• Interest outstrips inflation. For 2018, inflation in Russia is planned at about 4.5%, the maximum value is up to 6%. In bank deposits, after a year of investments, the amounts practically do not increase, losing their value. The return on investment not only covers the depreciation, but also brings at least another 7% profit.

However, attachments of this type also have characteristic drawbacks. There are only three of them:

• Exchange risk. Even if the idea seems very promising, assets can become cheaper due to the influence of a large number offactors. However, here the risk can be compensated if you trust professionals and analyze the market situation.
• Long term. To receive benefits, you must not use your investment for 36 months.
• Intermediary payment. This disadvantage applies only to active players. With a fairly frequent reinvestment, the stock trader takes his minimum interest from each bet - 0.017. These little things, with frequent transactions, are transformed into a significant loss.

If we correlate the positive and negative aspects, we can conclude that it is more profitable to lend money to the state than to entrust it to the bank system.

Comparison of brokers, recommendations

Finance can be independently invested through exchange intermediaries, or you can entrust it to the decisions of the management company. Accordingly, a trader, when trading on his own behalf, has the right to choose a broker himself.

If a person has never traded before, it is recommended to transfer the finances to trust management. When a person wants to try himself as an individual investor, he must choose a broker and learn how to analyze deposits.

Where is the best place to open an IIS account? With a more detailed analysis, it can be seen that almost every bank provides customers with opportunities for investment activities. That is why, when you have to choose an intermediary, you need to pay attention to the following criteria:

• financial statements;
• work experience;
• proposed package of services (consultations, tools, analyzers, etc.);
• trading volume;
• interest.

It is easiest to open an IIS in a bank, for example, in Sberbank and VTB. They do not offer such favorable conditions, however, you can conclude an agreement or seek help in almost every city.

List of possible brokers:

• "Opening". The intermediary, according to 2017, is the leader in turnover in the domestic market. In addition, they provide a large number of services, ideas and rates to their customers.
• "BCS". Russian national broker. It has been operating since 1995, the degree of its reliability is the highest - AAA. A variety of trading instruments, low interest rates and profitable offers are the main areas of work of BCS.
• "Finam". It has been operating since 1994. It provides assistance in the preparation of documentation, professional advice and, most importantly, it guarantees 16% per year in trust management. On their website you can also find a large number of additional services such as consultations, automated trading, trust management, training, etc.

So, how to open IIS online?

Opening online: step by step description, ways

You need to do the following:

1. Make a choice of a stock trader for further cooperation.
2. Write a statement.
3. Make an agreement.
4. Top up wallet.

Next, we will consider how the application is drawn up, an agreement is concluded on the example of VTB, Sberbank, online companies (Zerich, Finam, BCS, etc.). P.). Not everyone knows where it is better to open an IIS. Comparison of brokers will help you figure it out.

Opening an account with Sberbank

First you need to find the nearest branch of Sberbank. For this purpose, you can familiarize yourself with the city map or call the numbers indicated on the official website. They will tell you which branch to contact and what documents to take with you. Then the specialists on the spot will arrange everything on their own.

To conclude a contract, you need to take your TIN, passport with you.

After visiting the branch, a login and password will be given to the client, using which the client logs in to the official website of the bank. With the help of a browser, you can keep track of your assets and control expenses.

Open IIS through "Public Services"

It is not always convenient to contact the department. In this case, you need to resort to the portal "Gosuslugi". First you need to register an account on the site and confirm it. Using the portal, it is possible to work with the following companies: BCS, Finnam, Zerich, Otkritie.

Go to the site of a stock agent, for example, BCS, and fill out a form with them, indicating the TIN number, passport and postal address. Then the necessary contacts about cooperation come to e-mail. They are signed by the investor with the code from the SMS confirmation.

How to open an individual investment account IIS in "VTB"?

Opening an account with VTB

Actions with VTB are similar to Sberbank. You need to find the nearest branch, apply. However, in online mode, it is impossible to do such operations. After signing the agreement, the new wallet is replenished. Then assets are selected and trading begins.

NDFL refund

Receiving personal income tax has a very simple algorithm:

• Collection of documentation. We need a certificate that the stockbroker has IIS, a 2-NDFL certificate, a completed 3-NDFL declaration, and a passport. All this is processed at the tax office.
• The application is submitted to the tax office. This can be done at the city branch or using the taxpayer's personal account.
• Waiting for response from inspection authorities. Typically, this takes about two weeks. Verification sometimes takes about two months.
• Paid funds are returned. The taxpayer receives money after the completion of the check.

If you need an income deduction:

• You need to apply for a tax certificate. It states that for three years the person did not use the tax deduction.
• Information is provided to the exchange agent. Then he transfers the funds to the client's deposit without withholding personal income tax.

Brokers most often help and independently perform all actions. Thanks to this, you can avoid various mistakes, as well as save time.

Where to open IIS, now it's clear.

The main difference between IIS and bank deposits

The main difference is the tax exemption. In addition, the body to which the funds are trusted is different. When it comes toinvestments, finances are transferred to the state use. More precisely, they are invested in the country's economy, government bonds are purchased.

Advice for new investors

Before opening an IIS brokerage account, you must first calculate the benefits and possible risks.

You can't just trust articles on the internet. The financial world is changing very quickly, and it is better to double-check all the risks personally. If a person doubts his skills, it is better to contact a specialist. It is much more profitable to give him 10,000 rubles for a forecast and analysis than to invest and then lose money due to hasty conclusions.

All large investors have connections with financiers, consult before operations. That is why rich people keep their finances safe.

No need to chase a large percentage, you should control all risks.

Aggressive strategies not needed

It is not recommended to use aggressive strategies in the beginning, as they imply a high probability of losing all savings. It is better to apply them already with the accumulation of experience and the ability to carefully analyze situations in the market. You need to replenish immediately on the minimum deposit. 36 months are counted immediately after replenishment of the client's account for the minimum amount. That is why it is better to throw money at once and then supplement them gradually as far as possible.

We told you how to open IIS.