In 2016, I finally paid off the bulk of my loans, which I foolishly took to grow my business. And then some accumulations began to appear, which I did not want to spend on any nonsense.
My gaze immediately fell to the side bank deposits from Sberbank of Russia. There were several reasons for this.
Having accumulated a small amount in rubles on a deposit, I hear on the news that the euro. And somehow it became a shame to save money that is depreciating before our eyes. At that very moment, I decided that I didn’t need to keep all my eggs in one basket, and began to distribute my savings among deposits in different currencies.
Opened three online replenished deposits, each for 3 months. I gradually throw free money on them and don’t worry about what has fallen and what has grown, I still always stay with my own.
But my interest in investments did not end there, but rather turned into a serious hobby. Having reduced my expenses to a minimum, I began to look for ways to earn money and invest them in some asset.
My subsequent choice fell on Impersonal metal accounts. Namely Gold. For myself, I explained it this way - this noble metal has been in price for all ages. Changed and depreciated a large number of currencies, and Gold was, is and will be.
And finally, I decided that I could just as well invest in the Shares of Russian and Foreign companies. I was looking for a broker for a long time, but still I settled on Sberbank again. Not because it is the best (maybe there are other, more worthy stock players), but simply because it is a habit and the convenience of working from one personal account with all your banking products.
Of course, before you start working on stock exchange I have surfed many sites and ratings in search of information. I read a bunch of reviews and came to the following conclusions:
And I still did not understand about the company Sberbank CIB, which is listed in the rating. I entered into an agreement directly with Sberbank and nowhere did the KIB prefix appear. In general, I will ask this information from my consultant on Monday.
Regarding my opinion about working with Sberbank, I can say the following:
Pros - help of a broker, handy program for QUIK trading, ease of transferring funds to a brokerage account, no need to submit tax returns on your own, automatic calculation and withholding of taxes.
Cons - Works only with Russian stock exchanges and hence the inability to invest in Shares of companies registered in the US.
I wanted to invest in the stocks of the following companies.
Google is in my opinion the most profitable and reliable company in the world. Its shares are constantly growing.
Hewlett-Packard - due to the fact that I often encounter equipment from this company in my core business.
Yandex - I invest in their papers for the same reason as in Google. As long as the Internet exists, search engines will never run out of money.
Megafon - I use their communication services, I consider them the best in the telecommunications and mobile communications market.
Sberbank -
Gazprom -
Magnet - I trust its owner (he is Galitsky Sergey Nikolaevich), as an experienced and talented person who does a lot for the success of his trading network. That is why we see on the chart a wild increase in the value of his securities.
The first 2 companies, unfortunately, are not traded on the MICEX exchange, so I do not have the opportunity to acquire them while working with Sberbank. But, probably, in 2016 I will not do this, because there is no desire and time to deal with change tax reporting and self-payment of taxes to the budget (although this is not difficult).
Therefore, for the time being I am working with the five remaining companies, and next year I may apply to BCS or Otkritie.
As for the tariffs, I can’t say anything good or bad, I didn’t pay any attention to it, since I am more an investor than a speculator. I make purchase transactions very rarely and sell not earlier than after a year or more. But for my readers, I will give their tariff scale.
Rate Independent- will be of interest to experienced users applying through the QUIK program. One application by phone will cost 150 rubles. Commission for daily turnover 0.165%.
Rate Active- needed by those who do not work with the program, but prefer to make all their applications for free by phone. Transaction commission 0.330%.
Interest is indicated if your daily turnover does not exceed 50 thousand rubles. The more your daily turnover, the lower the percentage will be.
If you are a foreign exchange broker and want to work for Forex market through Sberbank, but will have to wait until January 2016.
I don’t know how other brokers are now, but Sberbank has no restrictions on the minimum or maximum amount. Therefore, any citizen can become a player on the stock exchange, regardless of his financial condition.
Instead of PS, a new positive video from Sberbank. Happy viewing. Click on the video.
Investing is an investment in a business project in order to subsequently receive dividends from it. There is not always a large an initial fee or analytical experience for the right decisions. In the Sberbank Investor application, anyone can contact a commercial agent, even with a small amount of start-up capital.
Sberbank Investor is an application that can be downloaded to your mobile phone and where you can safely buy and sell stocks and bonds of various companies Russian Federation(Aeroflot, Gazprom and other large firms), and then make a profit from them. By purchasing the assets of any issuer, you can either earn or lose the invested cash.
The Sberbank Investor app is easy to understand - it has a clear and beautiful interface, a convenient menu. The main screen displays the investment portfolio and its variation as a percentage. In the news section, you can view useful economic news taking place in the country, it is also easy to track the pricing policy in the world currency, securities, options and futures, precious metals, oil, etc. markets.
An overview of the auxiliary options of the Sberbank Investor application can be seen on the Sberbank Internet portal. The developers of this stock platform included a test to determine the depositor's ability to risk investing, as a result of which you can get an expert opinion.
Based on it, the dispatcher offers the best suitable prospects for investing money with a different risk ratio for losing money and the rate of profit, suggests which bets are better to make. After a certain period of time after the growth of property in value, it can be profitable and expensive to throw off, but it is always allowed that it can fall significantly in the tariff.
Anyone can become a trader on the stock exchange or off-exchange space, it is not even necessary to be a client of Sberbank. You can make trading operations only from a brokerage account, so before using the Sberbank Investor application, you need to start it.
There are two ways to apply for an individual trader account:
To use the application, you need to install it on your working device. Sberbank Investor can be downloaded to smartphones with Android and iOS operating systems. Installing it is easy with one click.
For gadgets of any brands running on the Android OS, the application for download is available on Google Play. You can use its Android functions only if you have a broker code table with combinations for performing any internal processes with a change in the amount of the balance, you can get it at the brokerage service center. Downloading the Sberbank Investor app for iPhone models is allowed in the AppStore.
After installation, the application is immediately suitable for use, it remains to enter your personal account. The login for authorization in Sberbank Investor will be the number of the open deposit account. The password is selected automatically and sent in an SMS message when concluding an agreement on the use of a brokerage account.
You can put money on a personal deposit account attached to your Investor account through Sberbank Online. There is a virtual assistant in the system, which, by analyzing the requests and opportunities of the investor, helps to choose more relevant projects for earning in order to reduce failure to a minimum and increase the likelihood of getting a good income.
After installing the Sberbank Investor application, before starting work in it, you can make detailed overview. Reading this document is especially important for newcomers to the financial field.
The Sberbank Investor application, the review of which was presented above, and which you can easily download and install on your smartphone, is equipped with a high degree protection and security. All steps taken are confirmed by an SMS code to the linked subscriber number, thus eliminating the procedures of accidental acquisitions or sales. Earned wealth can be withdrawn from your brokerage account at any time and all existing property can be sold.
Sberbank Investor - your investments with Sberbank in a mobile application. View the status of your accounts, current market quotes, investment ideas, transactions purchase and sale securities are always at hand. Registration and use of the application is free. Your investment information is protected. Login to the application using the login and password received at the office PJSC Sberbank. To perform trading operations, additional authorization by SMS password is used. The application displays all your brokerage accounts opened with PJSC Sberbank. The IIS account is displayed separately. You can monitor the status of your brokerage accounts in real time, track open positions and financial results by account. The app publishes investment ideas developed by Sberbank analysts based on your investment profile. You can pass risk profiling without leaving the application. When deciding to use investment idea you can also use the built-in calculator, which, depending on the amount of investment, will calculate the potential income from investment. Easy and convenient access to the stock and currency market of the Moscow Exchange. Buy and sell stocks, bonds, ETFs, exchange currencies. Charts, quotes, news are available for each security. In the application, it is possible to submit an order for the withdrawal of funds to the details specified in the client's questionnaire without additional commissions. The application has a detailed FAQ where you can find answers to frequently asked questions; there is a possibility of communication with customer support (chat, phone). For not PJSC clients Sberbank is available demo mode and application for opening a brokerage account. Sberbank Investor - everything you need for effective investments. You can find full information about the services provided by Sberbank PJSC on the website http://www.sberbank.ru/ License of a professional participant in the securities market to carry out brokerage activities depository activities 045-02768-000100 dated 08.11.2000
From Kudryash30
I read it and of course I thought that my program would not be stupid. After all, this is Sberbank in May. How wrong I was. I was able to log in once to replenish the balance and that's it, I can't log in anymore, I can't send money in the right direction either. The impression seemed to be taken away!!! It’s good that I didn’t put a lot of brains enough !!! Fix the fucking hegemon!!!
From Sancho Panza
Impressions, in general, are positive, but there are a number of comments and suggestions: 1) questions in the chat remain unanswered, I wrote to the chat several times - there is no answer. As far as I understand, many people have this problem and it greatly complicates the process of using the program; 2) I would like to add notifications when the instrument reaches a certain price (like VTB, for example). When the share price reaches the desired one, a notification comes; 3) when viewing the portfolio and opening individual positions, the list is unstable (it constantly shifts sharply and you can miss, this is annoying); 4) when ordering certificates of income, property and obligations through SBOL, data on securities is not loaded - I would like to see the interaction of systems in this part. I understand that this is not a question for developers, but I would also like to be able to order certified copies of documents on brokerage account(notice of joining, broker's report, etc.) and receive them at the nearest SB office. It is extremely inconvenient to follow them to the center of Moscow during working hours.
After installation, I was able to log in once and that's it. All other attempts are unsuccessful. Though from the fifth, even from the tenth time, it is not possible to enter.
From incognito to expert
The third day I can not withdraw the currency !!! Which, as it were, is, but as if it is not there and no one knows anything. What are the failures, that's the whole answer.
There is a lack of brief information about the shares, about the companies themselves.
From Istomin
Bought for example 100 shares of 100 rubles. The result was 90 shares of 100 rubles. How about 10 x 200? And the price of the paper is still 100 rubles.
Chat questions are not answered. The application hangs, does not appear in executed or canceled.
There is no glass in the program, which greatly complicates the assessment of supply / demand. No stops. In general, the program is extremely raw for a trader! Suitable for a grandmother who just wants to shove her pension somewhere ...
Fix the problem with the entrance, even the fingerprint does not enter the application, thanks in advance
The application constantly hangs, writes that the exchange is closed. The problem is solved only after uninstalling the application and reinstalling it, but after installation it works for 2-3 inputs and the problem occurs again!
I went through the password, set the entrance to the touch and now I admire the eternal download
For several days I just can’t log into the application! Putting my finger on and just staring at the endless loading. Why not wait half an hour for it to open?
By Metalic2010
1. You can not enter and mobile app and in quik at the same time, which causes a lot of inconvenience. 2. The application crashes and reinstallation does not help. 3. Charts in the application are not loaded. I'm already thinking about leaving the mountain broker :((
From Sergey 1275
Make notifications for completed orders
By MarlianaVetra
The second day I can not enter the application. It hangs on entering a password, after a long wait it reports that the service is unavailable. Other functions from the first page do not respond at all.
From Barsik443
The theme of the application is not fully disclosed. It is impossible to log in with a temporary password, a new one cannot be created for unknown reasons. While COL.
Hello, some promotions do not display the logo, is this normal?
From pseudo pseudo
Never been able to log in for five days
I just signed up and can't log in! I can’t set the password, it says that it’s not correct, it shows at least 7, and the password is 15 characters, and so on. Disappointed terribly
At one point, you may be surprised at what price the Shares were purchased for. As happened to me. I bought it for (1 rub.), I wake up for (2 rub.) I called the brokerage department to find out how it was. They said everything is delayed. You are not the only one. See mail. Sent to support. Maybe she can tell me how everything counts. If your proposal does not really work, you do not need to go to market with it. There are more chances to win in the casino.
Can't login to the app!!! After entering the password, the application freezes !!!
Such a large company, and an application that will allow you to enter without glitches and problems! It just does not enter the application, it loads endlessly. Sberbank is the 21st century, so it would be possible not to roll out such a raw application!
DD! I put up several orders for sale at different levels. When I delete unnecessary ones, for some reason the wrong application is deleted. Have to re-post. To be honest, for intraday trading, this is generally a joint
Can't connect to server
By LumberSerge
It was possible to enter the application only 2 times out of countless attempts. This approach is simply unacceptable, I strongly do not recommend it if you plan to work with securities. I never thought that Sberbank could fail like this.
Unable to enter! The application will work in general!
From Sasha from the north
Lately he has been writing that the server has broken the connection, and in general it takes a long time to download data on the share price. In order to withdraw money, I need to go from Dudinka to Norilsk, make a withdrawal to the Sberbank card. iPhone 8 Plus iOS 12.2
Regularly stops logging into the account, writes the server has disconnected. TouchID falls off no less regularly, you have to enter the password manually. To the delight of the developers, I managed to open the iis in savings, so another year and a half will have to endure all this
Money is credited for a long time, the application constantly breaks the connection. In short, damp, everything is unstable.
By one.warrior
The server keeps disconnecting after the update! What a glitch???
So I wonder if the developers react to user reviews at all or not? Why are similar applications that I used for example Tinkov working much more stable. This is clearly disrespectful to users, given that Sberbank is big bank in Russia. I think it is necessary to bring down from Sberbank
The app keeps crashing! Today all day I can not log in, writes "Server disconnected". And if by some miracle it was possible to enter, then after a second it throws it back out of the application.
Everything was fine before. Now, after the last update, there are constantly problems with logging into applications. Very often the "connection failed" error occurs. When I still managed to enter, I noticed that all the purchased assets were gone. Only displayed cash on IIS. But all the purchased shares and OFZ disappeared. It's funny.
A broker is a person acting on behalf of his clients, an intermediary in concluding transactions. Brokerage service in Sberbank is a complex intermediary services rendered to the client as a representative of his interests before the partner companies of the bank.
Provision of brokerage services rendered to individuals in savings bank started in 2011. It was then that the company "Sberbank Forex" was created, which took one of the vacancies in the segment foreign exchange market short term investment. During its existence, the company "honed" its skills and grew into a whole network. Today, Sberbank Broker is a growing structural network consisting of subsidiaries of the bank, each of which provides its own type of brokerage services.
Provides services by a subsidiary of PJSC Sberbank OOO Sberbank Insurance Broker, in the field of:
Implementation of mediation services in mortgage lending represented by its subsidiary LLC "Real Estate Center from Sberbank", by creating a service that allows:
Provision by the bank of services in this area through its subsidiary ZAO Sberbank-AST. The electronic trading platform created by the organization is used for:
The representative of the bank in this area is a subsidiary of ZAO Sberbank-KIB. It has a large selection of analytical products, including reviews of equity markets, debt securities, industries and issuers. In addition, the “daughter” places the client's funds on the financial markets, acting on his behalf on behalf of the client and provides the client with a report on the work done.
Himself Savings bank Russia for 2019, being the founder of these organizations, assumed the functions of monitoring their activities and the functions of opening and servicing client brokerage accounts.
The choice of portfolios for investment is offered to both beginners and experienced: from conservative to low level risk and lower returns, to a balanced and aggressive portfolio with higher returns (10-20%) Advantages of cooperation with Sberbank:
Sberbank has developed two tariff packages for brokerage services for clients:
Both tariff plans are based on charging commissions as a percentage of daily turnover. Its value depends on the type of tariff plan, and for an investment tariff, it also depends on the type of operation performed.
The bank posted detailed breakdowns of the cost of each specific service within the selected tariff on its official website, in the Investment Brokerage Services section.
Opening a brokerage account for an individual with Sberbank involves a personal visit to a bank branch. First you need to find out which of the departments of your city has the ability to provide such a service. From docs to an individual to open such an account you will need: only a passport, TIN, and a bank card.
Based on the submitted documents, the bank will fill out a questionnaire, write an application, sign a number of notifications and draw up an agreement. In addition, it will be necessary to open a special universal deposit. It makes it possible to transfer money to a brokerage account after opening it and manage it through a personal account in the Internet banking system.
Within 24 hours after submitting the application, Sberbank opens two accounts: a simple brokerage account and an individual investment account (ISS). In terms of purpose, these two accounts are practically no different. However, ISS has several unique features:
When filling out documents for opening a brokerage account at the bank, the client needs to decide in advance what tax benefit he wants to receive, which type of IIS will be opened for him.
After completion of the opening procedure on email client receives a notification containing the ID of brokerage accounts. After that, you can deposit money and connect QUIK programs and Sberbank Investor.
The easiest way to deposit money into a brokerage account is to use the Sberbank Online system. The minimum amount of replenishment of the brokerage account by the bank is not provided. If the application of tax benefits is not planned, then it does not matter which of the two open accounts the money will be received. If one of the types of tax incentives is used, then the amount intended for trading must be paid to the ISS.
However, it should be noted that since the maximum amount for this account is limited to 400 thousand rubles per year, if this limit is exceeded, all other funds will automatically be credited to the second open account.
After the funds have been credited to the account, you can try to earn money, and for this it is important to invest them profitably.
Sberbank provides an opportunity to enter the stock markets Russian shares, ETFs and bonds, derivatives market of futures and options, over-the-counter markets for Eurobonds and foreign shares.
The bank provides the opportunity to enter the over-the-counter market only to qualified clients. If the client has a small amount and is a beginner in the field of trading in the markets of financial instruments, then he is granted access only to the stock and futures markets.
In addition, you can earn exchange rate differences selling and buying currencies on the foreign exchange market.
All transactions in the financial markets can be carried out by the client using a phone or computer.
When choosing the option using the phone, the client receives a plastic scratch card, on which secret codes are placed under the protective layer. When a transaction is made, the protective layer is erased from one code and this code is reported to the trade desk employee. After telephone applications have been submitted within 30 days, it is necessary to come to the bank's office to sign the documents on transactions.
If the option of making transactions through the QUIK application is selected, then a visit to the office is not required. To maintain a certain security, the bank either generates an electronic flash key with an electronic digital signature, or sets the “two-factor authentication” mode, which means that in order to enter the application, you will need to enter not only the general password, but also the password sent to the client’s mobile phone in the form of SMS. 
The QUIK system allows the client to make transactions with securities and view market information. It is accessible from any computer with Internet access. To work in it, you need to go to the server address https://webquik.sberbank.ru and enter your username and password.
Its main features are:
Sberbank investor - mobile version QUIK application, which allows you to see current quotes and account balances and use it to make transactions from your mobile phone.
The app runs on mobile phones iOS and Android systems, contains all the functionality of the QUIK application, provides access to the market and analytical information and conduct their own operations, and also has a demo service for teaching new users how to work in the system.
Withdrawal of funds from the brokerage account becomes available on the fourth day after the transaction and is carried out only to the bank account specified in the client's questionnaire.
You can submit an order for withdrawal of funds:
Even if all the funds from the brokerage account are withdrawn, you can not close it. An open brokerage account without trading does not require payment of any commissions. If you decide that you need to close the account, you can do this either at the Sberbank office or through the Sberbank Online service.
