Sberbank mutual funds. Reviews of mutual funds of Sberbank

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

If it's time to think about where to invest the accumulated or earned any amount of money, and the word "investment" says almost nothing, then you have reason to rejoice. In order to receive passive income, there is no need to study financial science for a long time, memorize complex terms, understand graphs and charts, analyze market declines, gain work experience, and learn the intricacies of playing in the securities market. Don't reinvent the wheel, it's been invented a long time ago.

What are mutual funds of Sberbank?

Mutual investment funds are a complex based on trust management of resources (property) of funds by management companies. Their main function is to increase the value of shares. Mutual funds are formed on the basis of funds of investors - individuals. The main purpose of investment funds is to make a profit from assets that are securities: bonds, stocks, etc.

An investor in a mutual fund can be any individual who purchases shares - securities that confirm the owner's right to part of the fund's property. Wherein,regardless of their number, each investor has the same amount of rights. Profit from assets is distributed among shareholders in proportion to the number of shares.

Sberbank. Asset Management

Mutual investment funds - the best option for investing free funds with a limited time limit and a small amount of knowledge. But it would seem that a simple way out of investing poses the following tasks, namely: the choice of a company or a bank that undertakes to operate with other people's money. As a rule, the largest players in the financial sector come to mind first. And Sberbank in this line, of course, occupies a leading position.

Until 2012, the management company of this bank was named Troika Dialog. Today, Sberbank names its offspring in the most specific way - "Sberbank Asset Management". The essence of functions from it does not change. Clients are offered a fairly large list of funds for investment. Mutual investment funds of Sberbank are represented in all sectors of the Russian economy. In this case, the cost of the share is initially 15 thousand rubles. Further contributions are much lower - from 1.5 thousand rubles.

Even considering that highly professional managers have more than 10 years of experience working with a large number of mutual funds, it is necessary to know both the negative and positive aspects of investing in mutual funds and have at least a minimal idea of how to choose a fund.

Investment Portfolio

By 2014, Sberbank Asset Management offers potential shareholders a choice of 23 sharesinvestment funds. Each of them has both attractive sides and alarming ones. So, for example, the Ilya Muromets mutual fund of bonds of Sberbank offers potential shareholders a fairly high cost of a share, a balanced distribution of funds for investing in several sectors of the economy and low risks.

For lovers of "hot" there is always an offer. One of the most profitable funds is the Risky Bond Fund. At the time of its foundation, the value of the share was 1.7 thousand rubles. By May 2014, it had grown to 2.5 thousand rubles. But the return compared to other funds is simply amazing: 29.4% for 36 months, for the past period from January to May 2014 - almost 3%. And this despite the fact that the majority of mutual funds for 5 months not only did not increase the value of shares, but reduced them to a minus. What is the secret of this fund's success?

Portfolio components

The management company distributes funds in securities of various issuers. In order for the reader not to get completely confused in terms, let's deal with this using the example of one of the funds - the Dobrynya Nikitich mutual fund. Sberbank Asset Management founded this complex in June 1997. Issuers of Dobrynya Nikitich are Russian companies with high liquidity and growth potential, namely, operating in such areas as:

– oil and gas;

– telecommunications;

– finance;

– consumer sector;

– media and IT;

– chemical industry;

– real estate;

– transport.

All shares of issuers can be called a component of the investment portfolio. But this will not be an entirely accurate definition. When buying a share of a fund with low risks, a novice investor should remember that its profitability is rather low. That is why more experienced shareholders advise "do not put all your eggs in one basket." The best option would be to invest in at least two different funds: mutual funds with high risks and returns and mutual funds with low risks and stable returns. This type of capital allocation is usually the most efficient.

Yield

The choice of the company is carried out by evaluating the effectiveness of management. It consists in comparison with the profitability achieved and potential. But the future client will probably not find information about it. The potential profitability of mutual funds of Sberbank cannot be officially advertised by the management company. Only her past achievements can serve as an indicator of her effectiveness.

Reviews and evaluation of funds

If, for starters, the investor nevertheless chose Sberbank mutual funds, reviews of experienced shareholders on the Internet about their profitability will be the first step towards a clear picture of the work of the management company. Communication on the forums, as a rule, does not reveal any numbers and percentages, does not carry a complete analysis, but is useful from the point of view of the practicality of choosing an investment portfolio.

Evaluation of funds at the stage of determining which one is worth investing in, still have to be doneon one's own. This task is not too difficult. On the official website of Sberbank, a report on the work of the management company is presented in the form of tables. They contain complete information: the names of the funds, the cost of a share in each of them, the profitability for 36, 24, 12 months of work, as well as for the past period of the current year.

Mutual investment funds of Sberbank of Russia – pluses of choice

1. The biggest plus is that almost everyone can join the fund, without having special knowledge. A mutual fund does not require the investor to understand all the intricacies of the process, constant attention and monitoring of capital growth. The management company is fully engaged in this.
2. The second plus is a consequence of the first: saving the client's personal time. The reliability of the bank is worth a lot. There is no need to spend time constantly monitoring the course of market falls and rises, directly participating in the process, and so on. As soon as a Sberbank client buys a share in a mutual fund, professional managers begin to deal with his securities.
3. Available down payment amount. 15 thousand rubles is a small starting capital for starting investment activities.
4. Ease of design. To join mutual funds of Sberbank, it is enough to have only the necessary amount of money and a passport with you. The client of the management company must write an application for the purchase of a share. And that's it. Selling a share is as easy as buying, that is, it is also enough to write an application at the office of the management company.
5. Liquidity of units. Mutual funds of Sberbank of Russia are quite diverseaccording to its characteristics. There are funds with high returns and high risks and, on the contrary, with minimal risks, stable income, but high liquidity. Such mutual funds involve the sale of a share quickly, with the least amount of time and with virtually no loss in value.
6. Taxes. They are subject only to the profitability of mutual funds of Sberbank. More specifically, net income. The tax is removed from it automatically, at a rate of 13%. Naturally, there is no need to independently submit a declaration to the tax office.
7. Diversification of investments. To reduce possible risks, the shareholder's funds are distributed to purchase bonds and shares of various sectors of the economy of the Russian Federation. This allows the investment portfolio to become more resilient to market falls.
8. Safety of investments under the control of the state. The risk of irretrievable financial losses is minimized, since the invested money of the shareholders is not stored on the accounts of the management company. Funds are transferred to a special depository. Control over it is carried out by state bodies.

Cons of investing in mutual funds

1. No guarantees. Not one investment fund gives confidence that the shareholder will make a profit in a given period of time. It all depends on the behavior of the market and how experienced and qualified the fund's traders are. There are always risks.
2. Increasing the value of a share. This is done to attract new investors. The uplift mechanism is quite simple. Before the reporting periodthe management company buys shares of those enterprises that are already in the portfolio, thereby increasing its value. Naturally, the share also rises in price. After the reporting period, unnecessary shares are discarded. Share price drops.

Grand total

It is most practical to start investment activity by investing in mutual funds of Sberbank. Profitability, reviews, maximum open information, available reporting confirm this.