At the meeting of shareholders on May 26, 2017, the head of Sberbank German Gref presented the Sberbank Investor application. The banker showed how to buy Sberbank shares "with just a few clicks." The share price of 175.97 rubles was indicated on the screen, Gref pressed the "Buy" button, and the papers were credited to his account. For investors, this application became available in June.
Account opening
To open a brokerage account, you need to fill it out on the Sberbank website or in the application itself. The contract is signed in the office. For 12 millionth Moscow, a brokerage account can only be opened at. Remote opening of an account is in the plans, German Gref said. Fortunately, we already had a brokerage account open, so we didn't have to wait a week for it to open.
We have downloaded Sberbank Investor on iPhone 5S (Android application is planned until the end of July). The login is the contract number, and the password must be obtained from the support service. There it is given only after reporting the code from the investor's table. The password card was at home, so the entrance had to be postponed for a day.
The next day we called the support service, after 10 minutes the password came.
What can you buy
Through the application, you can buy stocks, bonds and ETFs. In the tabs there are charts with current trades, news on securities and investment ideas. For beginner investors, there are six questions to answer to determine your goals and get buying advice valuable papers.
How the app works
Viewing the account caused regret. For six months, 12 blocks of shares lost 11% in price (6312.2 rubles). But the creators of the application, of course, are not to blame for this. Only shares of MTS and Rostovenergosbyt were in the black. The latter were bought at 0.289 rubles. per piece, and rose to 0.459 rubles. It was decided to sell them in order to fix the profit.
When we put the shares up for sale, the app automatically at 2%. The press service of Sberbank said that the difference of 2% allows "with a high degree of probability to buy a share at the best price." At the same time, the application has the ability to set its own cost.
To apply, you need to enter the code from SMS. When the application was shown by German Gref, the code was not required. The downside is that the application does not show the commission for the sale of securities, as it happens in trading terminal Quik.
The application crashed several times while running. Despite the low price of the block of shares of Rostovenergosbyt, the application for the sale of the block of securities was not satisfied. The application is also not to blame for this - there was no demand.
Commissions and benefits
When buying up to 50 thousand rubles. the broker takes a commission of 0.165% of the transaction amount. For example, from 10 thousand rubles. it turns out 16.5 rubles. If you buy shares for 100 million rubles, then 0.006% will be kept for the service. Another commission is taken by the Moscow Exchange - 0.01%. From 10 thousand rubles. it is 1 rub.
The advantage of the application is the ability to trade from an individual investment account (IIA), which gives tax incentives investors (you can return 13% if the account has been open for three years).
The application allows you to withdraw money from your account. To do this, select the appropriate menu in the "My Accounts" section. Money transfer occurs during the day. Withdrawal to a Sberbank account is free. “If the client has specified the details of a third-party bank, then a commission for an interbank transfer is possible. But this is not a broker's commission, ”the press service of Sberbank explained. According to, a transfer to an account in another bank will cost 2%, but not less than 50 rubles.
The Tinkoff-Bank service for the purchase of securities was launched back in October 2016. At first, it worked only in Internet banking (then we made a detailed one). The application appeared after 5 months.
Account opening
Tinkoff Bank acts only as an intermediary. Brokerage services are provided by BCS Broker. The account is opened remotely. For this, it is filled in, and then the courier brings documents for signing. “Most of our clients open a brokerage account in 1-2 days, in rare cases it may take longer,” the press service of Tinkoff Bank said.
What can you buy
Investors can buy mainly "blue chips" (shares and bonds of large companies that are traded on the Moscow, London and New York stock exchanges and are included in the indices of these exchanges). The downside of the application is that not all securities of companies that are traded on stock exchanges are represented there - only a few. For example, it is impossible to buy Rostovenergosbyt, which has grown by 59% in six months. "Tinkoff Investments" does not give access to the exchange, it - financial supermarket where securities are sold at the current price. After submitting an order to buy or sell, the price can also rise or fall.
The pluses include the ability to buy an ETF (a fund consisting of a set of shares - for example, securities included in the MICEX Moscow Exchange index), which is considered one of the most reliable investments. There are news and ideas for buying shares.
How the app works
We have already opened a brokerage account to work with the application. Remember we used it on a reality show? Tinkoff Investments consists of three sections: Portfolio, Securities Catalog and Analytics.
Once in the application, we could not understand whether the portfolio of securities had grown or decreased - it simply indicated the value of the purchased securities. From a psychological point of view, this may be good (usually the portfolio falls, which causes sadness and disappointment). But from a design point of view, this is, of course, a big omission.
For the experiment, we decided to sell Yandex shares. When selling, the broker honestly warned about the commission. The operation was successful. But it was not clear where the money had gone: there was none in the “portfolio” column, they were not credited to the card either. The support service also could not say where the money was, and accepted the appeal. The bank dealt with the problem for 12 days. At some point, the support service was outraged about the current situation (the money was gone, no one can name the return period). The bank offered 1,000 rubles as compensation for the inconvenience caused.
The denouement was anecdotal. It turned out that the money was initially credited to the account and had been there all this time. But the application interface is such that you can understand where available funds on a brokerage account, very difficult.
Try to find yourself where the money for the sale of shares is displayed.
The support service explained that it took so much time for the proceedings because there were problems inside the system indicating the number of shares purchased, and the support service thought that the complaints were about this problem.
Commissions and benefits
A commission of 0.3% is charged for each operation, but not less than 99 rubles, which is more expensive than that of Sberbank. But this is a common commission - a broker and an exchange. Another significant disadvantage compared to Sberbank is the inability to open an IIS, which means a missed tax bonus. The press service of Tinkoff Bank says that there are plans to use IIS, but they do not specify the exact timing.
Money from the application can be withdrawn to the card. If you withdraw less than 75% of the amount from the brokerage account, they should come instantly. If you withdraw the entire amount, then the crediting period will be 2 days. Fortunately, these transactions are not subject to commission.
|
Type of service/payment |
Sberbank Investor |
Tinkoff Investments |
|
Opening a brokerage account |
In person at a bank branch |
Via the Internet, the contract will be brought by a courier |
|
Operating Systems |
||
|
Available securities |
Russian stocks, some Russian and international bonds and funds |
Russian and international stocks, ETFs, bonds, currencies |
|
Broker commission for buying/selling shares |
0.3%, but not less than 99 rubles. |
|
|
Broker's commission for the purchase/sale of Russian shares for 10 thousand rubles. |
||
|
Broker's commission for the purchase/sale of Russian shares for 100 thousand rubles. |
||
|
Fee for maintaining a depo account (securities are stored there) |
149 rub. per month (if there were transactions during the month) |
|
|
Commission for withdrawing money to a bank card |
0 rub. / 2% (if the account is in another bank) |
The Sberbank CIB corporate investment service offers a number of unique trading instruments for trading on financial markets.
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 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.
Brokerage services of Sberbank individuals available after opening the same-name and universal account, if the user has banking plastic Sat, the whole process will take 2-3 minutes:
Package of documents:
A prerequisite is the submission of documentation within 30 days after contacting Sberbank. Brokerage services, the reviews of which indicate the high competition of the bank, due to low commissions and the possibility of conducting transactions through mobile app or stationary device include:
Owners of a personal brokerage account can participate on the following trading platforms:
Sberbank provides a number of services:
In Sberbank, 2 methods of charging brokerage services are widely in demand:
Both tariffs have common indicators: with an increase in the amount of working capital, the level of commissions decreases, but an active account is always serviced more expensively, the difference reaches 1%. Other characteristics are similar.
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:
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.
Updated 09/06/2019.
There is a steady trend in the market towards simplification of clients' access to the exchange. Leading brokers try to make the process of opening a brokerage account and trading as convenient and understandable as possible. And, of course, Sberbank, the largest broker, is no exception either.
Previously, to conclude an agreement on brokerage and depositary service it was required to come to the office, and now it can be done online without leaving home. A few years ago it was impossible to make a single transaction without mastering the QUIK program, the interface of which frightened off beginners, and the process of installing and configuring this terminal discouraged all the desire to invest.
Now, many brokers have convenient and intuitive mobile applications that everyone can understand. The most publicized of them is from Tinkoff Broker, but Alfa-Bank, Otkritie, VTB, etc. have similar products. The topic of today's article will be the Sberbank Investor mobile application.
We will consider the mechanism for opening a brokerage account with Sberbank, replenishing it, buying securities and currencies, and withdrawing funds to a bank account. Let us also dwell on some features of the individual investment account in Sberbank, we will analyze the commissions, identify the advantages and disadvantages. As an example, we will buy $1,000 using the Sberbank Investor app.
Before reading the article, it will be useful to refresh the memory of reviews of other brokers: (purchase of currency via QUIK was considered), (purchase of currency using the Alfa Direct terminal), (purchase of OFZ via webQUIK), as well as with their Tinkoff Investments mobile application.
The easiest way to open a brokerage account with Sberbank is through Sberbank Online. The "Open Brokerage Account" button is hidden in the "Other" - "Brokerage Services" section:
Next, we select the markets of interest to us: Stock (for buying / selling shares, bonds, ETFs, mutual funds, depositary receipts), Currency (for buying / selling dollars and euros) and Derivatives (for buying / selling futures and options. This market is considered high-risk, so beginners should not climb there right away).
It is better to tick all the boxes, even if you do not need something at the moment, suddenly you will need it later. Sberbank has no service fee in the absence of transactions.
Then you need to choose one of two tariffs, "Investment" or "Independent", connection of both tariff plans is free. On the "Investment" tariff set single commission for transactions on the stock section of the Moscow Exchange at 0.3%. On the "Independent" tariff, the commission for transactions is less, with a turnover of up to 50,000 rubles per day it will be 0.165%, with a turnover of 50,000 to 500,000 rubles. - 0.125%, with high turnover, the commission is even lower. The owners of the "Investment" tariff pay an increased commission for the opportunity to subscribe to analytical reviews of the Sberbank team. Commissions for transactions on the Derivatives Market (0.5 rubles per contract and 10 rubles for the forced closing of a position) and on the Currency Section (0.3%) are the same for both tariffs:
UPD: 04/16/2019
Since April 1, Sberbank has significantly reduced the commission for transactions on the Moscow Exchange at the “Independent” tariff. Now with a daily turnover of up to 1 million rubles. commission for a transaction on the Stock section will be 0.06%, with a turnover of 1 million rubles. up to 50 million rubles - 0.035%. On the Currency section, the commission was reduced from 0.3% to 0.2%.
Both tariffs have a commission for the depository (for the storage of securities), which is 149 rubles per month. (charged if there were transactions of purchase or sale of securities in the given month; if such transactions on stock market was not, then there is no commission).
UPD: 09/06/2019
Since September, Sberbank has announced the abolition of the depository service fee of 149 rubles per month:
I chose the "Self-hosted" plan. Next, you need to specify the accounts for withdrawing funds from the brokerage account. For these purposes, it is better to open savings accounts in Sberbank Online, from which you can withdraw funds without commission, without deposit, and without limits on amounts. You can also specify card accounts, and before cashing out, independently transfer funds to savings accounts. Withdrawal of funds from a brokerage account to accounts in other banks with Sberbank is not implemented:
At the next step, you can prohibit Sberbank from using its securities for overnight transactions, i.e. do not lend them to the bank. If allowed, we will receive additional income up to 2% per annum:
I noted that I was not interested in receiving additional income, let my papers be with me. In the event of a bankruptcy of a broker, nothing will happen to the securities that are in the depository, they will simply need to be transferred to another depository, but with the securities that were lent to the broker, everything will be much more complicated. In this case, you will have to scratch out your papers as part of the bankruptcy procedure, and it is quite possible that you will not see them again. However, the probability of bankruptcy of Sberbank tends to zero.
The use of borrowed funds of a broker for trading very often leads to the drain of the deposit. I recommend using only own funds for trading, no leverage, so do not check the box “I want to use borrowed funds for the stock market”:
Sberbank offers to open at the same time (IIS). I already have it open with another broker, and one person can have only one IIS, so I noted that I do not need IIS in Sberbank:
Then we check personal data (they are substituted automatically), indicate the purpose of opening a brokerage account (for example, “to save savings” or “to receive additional income”) and confirm that we are a tax resident of the Russian Federation only. Then you need to click on the "Submit application" button and confirm with an SMS password:
Now it remains only to wait, Sberbank promises to open a brokerage account within 2 working days:
The next day, Sberbank sent an SMS stating that the brokerage account was open and provided the agreement code (which will be the login for entering the Sberbank Investor application), the second SMS received a temporary password.
Can install QUIK program to your PC:
You can install nothing and use the webQUIK browser version from any computer:
You can use the QUIK mobile application:
Today, we will be interested in the Sberbank Investor mobile application, which is specially designed for beginners (it only took 28 pages, where most of the pictures take up). There are no installation tricks, you just need to download the application from Google Play or App Store. When you first log in, you must change the password sent to your own, the login is the contract code.
The beauty of the Sberbank broker is that all methods of submitting orders are free, and you can use at least all of them at the same time.
You can replenish your brokerage account with rubles at Sberbank Online, but to replenish it with foreign currency you will have to walk to the branch:
Replenishment of a brokerage account in Sber's Internet bank is carried out from the section "Other" - "Broker services" (in the same place we applied for opening a brokerage account).
We want to buy dollars for rubles, so in the column "Marketplace" should be currency market, the replenishment amount in our case is 68,000 rubles, the operation will need to be confirmed using an SMS password:
Open the application "Sberbank Investor". In the "My Accounts" section (the wallet icon should be active at the bottom of the screen), we see that our 68,000 rubles. have already been credited (just a few minutes have passed since the replenishment).
We click on the “Market” icon (next to the “My Accounts” icon) and a section opens in front of us, in which all transactions on the exchange are made (in the screenshot below, the “Promotions” section is active). We are also interested in the currency, so we click on this tab.
We need dollars, and quickly, so we click on the USDRUB_TOD instrument (when making a deal on USDRUB_TOM, the currency will be delivered only on the next business day):
We see the current exchange price - 65.6625 rubles. per dollar, click "Buy":
When you click on the "Sell" or "Buy" button on any instrument (not only on the currency, but also when trying to make transactions with stocks, bonds, ETFs, etc.). the system will ask for a password from SMS (thus accidentally making a deal by clicking in the wrong place will not work, besides, security is increased).
We have finally reached the final step. In order for the currency purchase transaction to be completed at the current exchange price, check the box “By market” (the order is taken with a margin of 0.3% of the current price, but it will still be executed at the best price. This is done in case of small price fluctuations for while we enter all the data, in the stock market, the stock is taken at 2%). If this checkbox is not checked, then you can set your own order price, the transaction will be completed when the market price reaches it.
We indicate the number of lots we need (at least 1 lot, which corresponds to 1000 currency units, in our case $ 1000) and click "Buy", then confirm the operation.
That's all, our transaction was completed at the current exchange price of 65.66 rubles. for one dollar, i.e. we bought 1000 dollars for 65,660 rubles.
The mechanism for buying securities is no different from buying a currency. Deals and orders can be viewed in the "Orders" section (the clock icon at the bottom of the screen should be active):
The usual commission for a transaction on the currency section is 0.3% + 25 rubles (the exchange commission for a transaction is less than 50 lots). Until March 31, Sberbank forgives its commission of 0.3%. As a result, the purchase of currency cost us 25 rubles of the exchange commission (it was 68,000 rubles, we spent 65,660 on foreign currency, 25 rubles on the exchange commission, 2315 rubles remained):
The real purchase rate amounted to 65.685 rubles. per dollar, if we also take into account the commission of 0.3% (197 rubles), which will be valid from April 2019, then the real rate will be 65.882 rubles. for 1 dollar.
It turned out to be much more profitable than buying currency at a branch of Sberbank (at that time the exchange rate was 67.17):
On the IIS of Sberbank, you can make sure that coupons and dividends are credited not to the IIS itself, but immediately to a bank account.
DIA insurance does not apply to funds in brokerage accounts, so it is better to opt for reliable brokers. Of course, there are no objective reliability criteria, but at the moment it is extremely difficult to believe that something could happen to Sberbank.
“Big money” trusts Sberbank, it is interesting to look at Sberbank’s deposit line for extra premium customers, where the minimum deposit amount is 300,000,000 rubles.
Exactly brokerage service carried out only in some offices of Sberbank, however, for the usual replenishment of a brokerage account, as well as cashing out funds, any branch of Sberbank is suitable.
Since the fall of 2018, in order to fulfill the criteria for a free package (the main goodies are unlimited passes to business lounges under the Priority Pass program and free insurance for the whole family when traveling together, including trips around Russia), balances on a brokerage account opened with Sberbank are also taken into account ( including IIS). The necessary amounts for Moscow are at least 2.5 million rubles. or the equivalent in foreign currency on the last day of the month, for regions - 1.5 million rubles.
The commission of Sberbank for transactions at low turnovers is a little high, in fact, it is because of it that everyone has the main complaints against the broker. For example, VTB has a commission for a transaction on the stock market of 0.0413% (+105 rubles per month for a depository if there are transactions and 1 lot of VTB shares, if there are no VTB shares, then it will be 150 rubles. / month) against 0.165-0.125% for Sberbank (+149 rubles per month, in which there were transactions on the stock market, for depot), for PSB - 0.05% (+ since the fall of 2018, a small commission for compensation services of higher-level depositories, on average amounts to several rubles per month), for Alfa - 0.06% (+0.04% per year for the depository), for Otkritie 0.057% (+ 10 rubles per month for the depository , + there is also a commission for assets of less than 50,000 rubles). Tinkoff Broker at the Investor tariff has a commission of 0.3% + 99 rubles / month, in which there were transactions.
For the purchase of foreign currency from Sberbank, you have to pay 0.3%, from PSB for the purchase of foreign currency in the amount of more than the equivalent of 100,000 rubles. a commission of 0.1% is set, for Otkritie at the Conversion rate, the commission is 0.03875% + 0.02% for withdrawing currency to a bank account.
UPD: 04/16/2019
Since April 2019, Sberbank has had quite competitive rates for brokerage services, I would like, of course, a little lower.
Now with a daily turnover of up to 1 million rubles. commission for a transaction on the Stock section will be 0.06%, with a turnover of 1 million rubles. up to 50 million rubles - 0.035%. On the Currency section, the commission was reduced from 0.3% to 0.2%.
UPD: 09/06/2019
Since September 2019, a depository commission of 149 rubles / month. has been cancelled.
Similar to the Tinkoff Investments application, the stability of the Sberbank Investor application also leaves much to be desired, although there are still an order of magnitude fewer such reviews about Sberbank than about Tinkoff. Basically, problems are observed during serious movements in the market.
Stationary QUIK in Sberbank may also slow down:
I decided to write a simple question in the support chat in the Sberbank Investor application, but I did not receive an answer by the end of the day. The call to the support service also turned out to be unsuccessful, I just got tired of listening to music for 20 minutes and waiting for the operator's response. Judging by the reviews, I'm not the only one with similar problems:
It will not be possible to buy foreign shares on the St. Petersburg Stock Exchange through Sberbank Broker, Sber does not provide access to this site.
The Sberbank Investor application, of course, is designed for beginners, but who said that beginners do not need to see the glass of quotes when making transactions? If for the purchase of highly liquid stocks this is not so important, then for bonds it is simply necessary to assess the volume of supply and demand. Otherwise, if you need to buy a large volume, the deal can go through at very unpleasant prices, because at adequate prices there simply will not be the required number of securities and orders placed “for a fool” will work.
However, in Sberbank you can always view the order book in another terminal, for example, webQUIK. Tinkoff does not spoil its customers like that, there is nothing there except for the Tinkoff Investments application.
In the trading terminal of Sberbank, you cannot buy Eurobonds on the Moscow Exchange, for which 1 lot is equal to $1,000 (for example, Rus-28, VEB Eurobonds, you can read more about them in the article). Sber offers to buy Eurobonds only on the OTC market.
A self-managed brokerage account is opened through Sberbank Online or in special offices of Sberbank, in ordinary branches you will be issued a trust management from Sberbank Asset Management, even if you say that you need a brokerage account with self-management.
In large cities, it is difficult for Sberbank to compete with other brokers, Sberbank’s usual commissions for transactions and depository services are still higher, even despite their decrease from April 1, 2019. But in small cities, Sberbank has few competitors, especially when investing large amounts . A Sberbank broker is well suited for the Buy and Forget strategy.
The Sberbank Investor mobile application seemed to me quite convenient and functional.
When we first open the application, the system enthusiastically encourages us to invest without professional knowledge:
The seeming ease of opening a brokerage account and making transactions creates the illusion that you only have to buy something to your taste or follow some investment idea- and we are waiting for unprecedented wealth.
Go to Derivatives Market. It would also be useful to watch some webinars on the topic of investing, which are organized by almost every broker. Free or low-cost courses are sometimes run by private, experienced investors (you can find them on the website of the investment school "Red Circle").
I hope my article was useful to you, write about all the clarifications and additions in the comments.
In connection with the blocking of Telegram, a channel mirror was created in TamTam (a messenger from Mail.ru Group with similar functionality): www.tt.me/hranidengi .
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comments powered by HyperCommentsExchange 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.
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:
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 freely available on the official website of the organization. Add here the possibility of remote work with the system, and the choice will be obvious.
If in the recent past it was not possible for an individual to open a brokerage account with Sberbank, such operations were carried out only for organizations, 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 it is not possible to open a brokerage account in every locality, so it is better to clarify this information in advance.
The procedure takes no more than half an hour. The registered client is issued a package of documents, including:
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
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 « code table investor".
"Active" is designed to work with the exchange system online. You need to know that Sberbank uses only the QUIK trading 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.
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 it doesn't make much sense to start with a very small amount. 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 a high return on investment, you need to buy shares of different companies.
Now about how to actually make a replenishment. There are several ways to transfer money:
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 operations are planned to be carried out not in rubles, it is better to ask the manager for the details in advance currency accounts. You can also find the necessary information on the bank's website by opening the Brokerage Services 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.
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 when conducting trade transactions. The daily limit is 100 thousand rubles. When requesting a larger 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.
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 of large companies, making good profits.
Brokerage services of Sberbank to individuals
With the growing popularity of investments in Russia, the competitive advantages of a particular broker come to the fore. This is reliability tariff policy, the speed of execution of transactions, the 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.
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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:
Of foreign instruments, only exchange-traded funds are currently available. Qualified investors can also make transactions on the over-the-counter market, where Russian and foreign securities are traded. From 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:
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). The maximum profit that 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.
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 for the full protection of investor funds, "Capital Protection", has a yield that lags behind the average market.
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 brokerage account bank employees also offer to open an individual investment account (), which 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 a trust management agreement 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 ones 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. Get comprehensive information about the conditions and tariffs for private traders through official portal Sberbank broker is extremely difficult, 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 a choice of 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.
