Mutual investment fund of telecommunications and technologies of Sberbank. How to invest in mutual funds of Sberbank. Video: what is a mutual fund

Recently, bank customers are increasingly choosing investing as one of the options for obtaining passive income. Sberbank's Mutual Investment Fund Telecommunications and Technologies today is one of the priority areas due to investment in a rapidly developing sector.

This is a portfolio consisting of securities of world players in the telecommunications sector

Mutual investment fund Sberbank Telecommunications and Technologies (the value of the share is 3.6 thousand rubles) refers to investment projects with a high level of risk. Over the past 3 years, it has grown by 7.41%. The value of net assets is 618 million rubles.

The objects of investment are shares of mainly Russian telecommunications companies. The portfolio includes shares of mobile operators, regional fixed-line companies, alternative operators, companies in the media sector and segment information technologies. The selection of shares in the fund's portfolio is carried out on the basis of a thorough fundamental analysis and assessment of the current value of shares relative to their long-term growth potential.

Portfolio managers evaluate the growth trends in the value of company shares based on analytics data in the long term. The mutual fund consists of securities of companies in the following areas:

Mobile communication - 27%;
Information technology - 23.5%;
Media - 21.3%;
Telecommunications and technology - 8.3%;
Fixed line - 6.8%;
Cash - 5.7%;
Internet - 4.5%;
Other - 3.0%.

The structure of the fund in the context of the 10 largest companies

The total number of positions in the portfolio is 19. The main 10 positions are occupied by the following companies (data are indicated as a percentage as of May 31, 2018):

Yandex - 11.9;
Mail.ru - 9.4;
Nvidia Corp. - 8.2;
MTS - 5.9;
Rostelecom - 5.6;
Turkcell Iletisim Hizmetleri A– 5,5;
VEON Ltd. - 5.4;
Cisco Systems Inc - 5.2;
Megaphone - 4.8.

Conditions for the purchase of shares

How is the process of investing in mutual funds

Minimum investment amount for the first purchase:

V mobile application and in personal account- from 1000 rubles;
in the office of a bank or management company - from 15 thousand rubles.

The higher the investment, the lower the percentage of commission (surcharge) will be charged. If you invest more than 3 million rubles, you can count on a surcharge of 0.5%, with investments less than the specified amount - 1%.

If you wish, you can always supplement your share account with an additional amount.

The minimum amount in this case is 1000 rubles. The period doesn't matter. The investor can redeem the share at any time.

Dynamics of the value of units in a specific period

It is worth knowing that this kind of investment is designed for the future. The same is true of mutual funds of Sberbank Telecommunications and Technologies, whose dynamics for a month shows a decline, and for a year or more - a significant increase. Therefore, it is worth familiarizing yourself with the data on the site, where you can view trends, study reviews and receive reports for the period (quarter, year, week).

The length of the investment period also affects the discount applied when redeeming the unit.

Decrease in value depends on the period of ownership:

up to 180 days - 2%;
181 - 731 days - 1%;
more than 731 days - the cost does not change.

Benefit from the acquisition of a share

Mutual Investment Fund Sberbank Telecommunications and Technologies receives positive reviews. Today, many clients choose this direction, based on the positive recommendations of leading analysts.

Share value and NAV in dynamics

In addition, this makes it possible to use the general advantages of investing in open-ended investment funds:

Availability. Having the minimum amount required to purchase a share, anyone can become an investor in this direction.
Diversification. The manager helps to choose a portfolio that guarantees long-term profitability. It can also be supplemented with securities of other mutual funds in order to reduce risks or increase profitability.
professional managers. The client transfers control to managers who select a strategy for managing a specific portfolio.
Transparency. The investor gets access to reports, reviews and changes (dynamics) on his mutual fund. You can view data by day, quarter, week, or year.
Mobility. You can control the share account and movements on it from any place throughout the country, as well as abroad.

How to buy a mutual fund Telecommunications and Technologies in Sberbank (video)

An illustrative example on personal experience how to become an investor and owner of a mutual fund from the leading bank in the country.

Conclusion

Investing in a modern telecommunications technology fund is designed for long-term capital gains. It is worth knowing that when selling shares that were purchased after 01/01/2014 and were owned for more than 3 years, investors may not pay personal income tax on the profits received.

Mutual Investment Fund (the so-called Mutual Funds of Sberbank) - covers telecommunications and technology. This sector is rapidly developing due to active investment.

Mutual investment fund structure

Mutual funds of Sberbank - telecommunications and technologies - today is one of the most reliable and in demand in the country. The cost of the Fund's share is 3.6 thousand rubles, and the yield for 3 years is 16.83%. Investments are directed to means of telecommunications, communications, providers, etc. The Fund's portfolio includes shares of one sector, while the vast majority is given to Russian companies operating in the field of media, mobile communications and information technologies.
Experts evaluate trends in the development of mutual funds and growth in the value of company shares based on an analysis of available information. The composition of the mutual fund of Sberbank includes securities companies operating in the following areas:

mobile communication - 26.3%;
IT - 24.6%;
media - 16.2%;
cash - 12.6%;
fixed communication - 8.9%;
Internet - 7.4%.

The portfolio consists of shares of the following companies:

Yandex - 10.6%;
Microsoft Corp. - 8%;
Rostelecom - 7.8%;
Nvidia Corp. - 6.7%, etc.

Conditions for purchasing shares

One of the significant advantages of a mutual fund is the ability to buy a share at minimum investment- only 15 000 rubles. At the same time, the higher the investment of the shareholder, the lower the percentage will be charged. For example, if you invest more than 3 million rubles in the Fund, you can receive a 0.5% bonus.

The share can always be supplemented with additional funds.

The minimum amount is 1000 rubles, while the period does not matter, because. The shareholder may redeem the share at any time. However, it should be understood that investments of this type are designed for the future. For example, the mutual fund of Sberbank showed a decline dynamics over the month, and if we consider the annual period, then there is a significant increase. Before deciding to become a shareholder of a mutual fund, it is recommended to carefully study the data on the site. There you can get acquainted with the trends and get a report for a certain period.
Investment term Money affects the discount when redeeming a share. Commission amount to be paid:

up to 6 months - 2%;
from 6 months up to 2 years - 1%;
from 2 years - 0%.

Benefits of buying shares

Mutual Fund Sberbank has a lot of positive feedback from leading experts and financial analysts. Today, this mutual fund is considered by clients as a profitable and highly profitable direction, based on the opinion of representatives of the financial sector. Most experts argue that a mutual fund is a profitable long-term investment. Also, investing in a mutual fund provides an opportunity to use the general advantages of buying shares in Sberbank:

Availability. Any citizen can become a mutual fund investor with a minimum amount.
Management professionalism. Managers are interested in choosing the optimal strategy for managing investment portfolios.
Diversification. The Sberbank manager assists in choosing a portfolio that will guarantee maximum profit in the long term. The portfolio can be supplemented with securities of other mutual funds to reduce risks or increase profitability.
Transparency. There is access to all reports on your mutual fund. You can also read expert reviews by selecting a specific period (month, quarter, year).
Mobility. Manage accounts and make various activities with shares you can from anywhere in the country and the world using the online banking system.

The Mutual Investment Fund (UIF) of Sberbank - telecommunications and technology, is one of the promising areas in the field of rapidly developing sectors for investment. That is why, it is most recommended to choose investors.

Telecommunications and Technology Fund in Sberbank and its structure

Today, the price of a share share costs 3,707.87 rubles. Over the past three years, the Fund's return has been 18.9% of profit and this trend is still stable. The main flow of investments is directed to the sector of telecommunications, communications and the Internet.
A portfolio is being formed from the shares of a single sector, but Russian fixed-line communications companies, the media sector, information technology and communications operators remain in priority.

Another type of investment is risky bonds in Sberbank.

Assessment of stock price growth trends is carried out by portfolio managers on the basis of analytical data with a long-term projection.

The mutual fund of Sberbank Telecommunications and Technologies is made up of securities of the following companies:

Cash - 5.7%;
Fixed communication - 10.8%;
Media - 12.2%;
Information technology - 12.9%;
Internet - 21.8%;
Mobile communications - 40.9%.

The weighting significance of companies whose shares can be bought by investors is as follows:

TURKCELL ILETISIM HIZMETLERT - 4.0%;
AT&INC - 4.1%;
IBM - 4.2%;
Mail.ru - 5.5%;
Megafon GDR - 5.6%;
YANDEX - 6.7%;
QIWI - 7.0%;
VEON LTD - 7.1%;
Rostelecom - 8.4%;
MTS - 8.5%.

General conditions for the purchase of shares

Mutual funds of Sberbank Telecommunications and technologies are available to everyone, the first installment is 15,000 rubles. The larger the deposit amount, the lower the commission percentage will be. When investing from 3,000,000 rubles, the commission will be 0.5%.

The share account can be increased at any time by an additional deposit of 1000 rubles. Periodicity does not play a role, you can close the share at any time.

As for generating income, everything here is designed for the future. So, for one month, the profit of the Mutual Investment Fund Telecommunications and Technologies can noticeably fall, although a significant increase is noted for the whole year. Therefore, it will not be superfluous to study trends reviews with a frequency of a week, a year, a quarter, etc. It should be noted that the term of the deposit itself also affects the discount applied when closing the share:

up to six months - 2%;
from 6 to 24 months - 1%;
from two years and more - 0%.

Fund benefits

Telecommunications and Technology Fund - Sberbank mutual funds are characterized positively and are trusted. The general advantages of buying shares in Sberbank are:

financial availability. If available necessary minimum then anyone can become a contributor.
Possibility of diversification. A portfolio manager helps to get guaranteed prospects for a long-term investment. If desired, you can expand the portfolio with shares of other mutual funds, in order to reduce risks or increase profits.
Participation of professional managers. Control over the development of investments is transferred to specialists-managers, who profilely undermine the management strategy for a specific portfolio.
Transparency of interaction. The contributor will have access to all reviews and reports relating to their own mutual funds.
Mobility. It is possible to monitor operations carried out with shares from anywhere in the country and abroad.

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Investment is one of the most effective ways save and increase your wealth. But doing it directly takes time and nerves. Therefore, it is best to transfer assets to management companies that allow you to work with numerous mutual funds. One of which is Sberbank Asset Management. How is it beneficial, how high is the profitability of the company's mutual funds and how do they respond to it?

Mutual funds are a fairly broad field. Sberbank Asset Management offers clients several options at once where to invest. At the same time, you can see the profitability of each mutual fund and make sure that it is sufficiently reliable.

Mixed investments

Mixed investment funds are directed in two directions at once - for deposits in stocks and bonds. The combination of high and low risk allows you to achieve the maximum return on investment, especially without taking risks.

The recommended term of the deposit is from 1 year and more. Mutual investment funds of mixed investments - optimal choice among all options, since they are characterized by sufficient reliability and high (compared to only bond) yield.

In Sberbank, they are represented by only one institution - the Balanced Fund. Over the past three years, the yield has risen to 58.42% with an average risk of loss.

A mutual fund is able to choose the best ways to invest assets in order to achieve a better balance between risk and profit. At the same time, he works in most cases with Russian companies.

International funds

Otherwise known as index mutual funds. They work with securities of exchange-traded investment funds. Suitable for investments for very long periods. Transaction costs are minimal, and the experience of working with exchanges is extremely high. Therefore, the risk of error is practically eliminated.

Through Sberbank, you can invest in the following international funds:

America – the fund works with the ETF SPDR S&P500, giving assets to the will of the stock index S
Europe – investments go to the Ishares Eurostoxx 50 ETF and grow in the EURO STOXX 50 index;
Developing markets – The mutual fund invests in TF Vanguard FTSE EM. The contribution follows the FTSE EM index. The development of promising markets in the future can bring good profits to investors;
global engineering - The mutual fund works with the Vanguard Industrials ETF, the assets when investing will follow the MSCI US Investable Market Industrials 25/50 Index;
Biotechnology – through the fund, the money goes to the iShares NASDAQ Biotechnology ETF. Assets follow the NASDAQ Biotechnology Index. In the future, the investor has the opportunity to receive high profits due to the prospect of the industry;
Gold – The mutual fund sends assets to the PowerShares DB Gold Fund ETF. The value of shares is based on the price of gold in the world. Previously considered a medium-risk asset, it has now moved into the category of high-risk investments.

The yield of international funds ranges from 14 to 59% over three years. The Global Engineering and Biotech funds haven't even lasted three years yet, but their annual returns are 14.5% and 10%, respectively.

Stock

The most dangerous, but also the most promising investment option. With it, you can both lose everything and make good money. Mutual investment funds that work with shares can work both with several areas of the market, and with one specific one (for example, metallurgy).

The recommended deposit term is 3 years or more. It is pointless to invest for a shorter period, because stocks often lose a lot in value, but then rise in price, and in a short time there is a risk of losing quite a lot.

Bonds

The most reliable funds, but because of this, they bring low returns to the investor. Bond mutual funds are aimed at investing in debt securities, and their yield is known in advance. Bonds are issued by large global or Russian companies, and sometimes by public authorities.

Today, Sberbank offers four open mutual funds of bonds:

Eurobonds – low risk. Money is invested in Eurobonds;
Promising bond fund - medium risk level. Investors' money is used to buy securities of Russian companies;
Ilya Muromets - low risk. The mutual investment fund works with state and municipal bonds, sometimes involving the largest Russian firms;
Global debt market - low risk. Invests in foreign bonds (in foreign currency).

On average, three-year returns for these funds range from 20% to 60%.

Closed real estate mutual funds, or REITs

Allows investment in housing and commercial real estate. The fund acquires at once any real estate object at the expense of shareholders. Then he keeps it for several years and then sells it. Shareholders also receive income from a possible increase in the cost of commercial space or apartments in a residential building. Or he rents out real estate, paying money to shareholders for use. Funds collect money in a short time for the purchase of specific objects. As soon as the amount is collected, the reception of funds is closed.

Investment conditions from Sberbank

Sberbank Asset Management offers the following conditions for investors:

The minimum cost of a share is from 1,000 for online purchases and from 15,000 for purchases at Sberbank offices;
There is no minimum investment period - you can buy a share and sell it at least the next day (relevant for open mutual funds, closed-end funds have fixed terms);
Investments are available for ruble and foreign currency assets;
When applying, you can consult with managers and choose the optimal conditions for the strategy;
There is a surcharge when buying 1% and a discount when selling shares from 0 to 2%;

A special privilege: if an investor owns shares of any fund for more than three years, he is exempt from paying income tax of 13% on profits from his investments.

Pros and cons of share contributions through Sberbank

Sberbank mutual funds are no different from many others - they invest in certain development sectors in the same way. The whole point is in the services provided and the management of the investor's assets, which Sberbank Asset Management is able to provide. We will consider them.

Positive sides

Services and opportunities of Sberbank as a management company:

Sberbank provides its own yield calculator when choosing a mutual investment fund. You can roughly calculate how much a certain amount in rubles / US dollars will bring over a period of 1 to 5 years, while a list of all active mutual funds with profitability dynamics will be displayed;
no special knowledge and skills are needed, since experienced people will deal with money. From the investor it is enough to choose a fund and make a contribution;
to buy or sell a share, it is enough to take a passport and come to Sberbank and write an application;
shareholders do not pay taxes on capital investments, unless they invest in real estate. But when withdrawing profits, you still have to give part to the state;
the ability to buy several shares at once to minimize risks;

How Sberbank can be useful to its customers:

the state closely monitors the activities of Sberbank, so the reliability of investing through it is at a sufficient level;
You don't need millions to become a shareholder - entry threshold is only 15 thousand rubles for registration in the office and 1 thousand rubles when buying a share online;
a large number of tools and strategies for investment, as well as the possibility of tax exemption if used correctly;
the opportunity to consult with experienced consultants before investing in any of the mutual funds or choosing a strategy.

As you can see, Sberbank Asset Management has a lot of positive aspects. Worth considering as one of the options.

Negative points

No tools and management companies are perfect. And Sberbank is no exception. He has enough inconvenient moments that you need to pay attention to when choosing a management company for your money.

Cons of investing through Sberbank:

Commissions. When buying a share, you will have to pay an additional 1% of its value, and when selling to a fund, you will have to return from 0 to 2% of the cost as a forced discount;
Income through investment is a long and risky business. Therefore, buying a share for less than 1-2 years is pointless - the yield will be only a few percent;
The presence of risks, as with any investment - with an unsuccessful choice, you can lose some of the money invested.

The last minus applies to all management companies, but it is often imputed specifically to Sberbank.

But it is important not to forget: any investment is a risk. And you can always win or lose.

Profitability of mutual funds

Investing in emerging industries or markets is a good solution for those who want to make money. But do not forget that very little depends on the management company. Risks are in the behavior of the market sector, to which the mutual fund belongs, and the economy as a whole. Therefore, no one can be guaranteed to calculate the profitability. You will have to focus on the dynamics and your own feelings.

Some patterns that will allow you not to make mistakes when investing through Sberbank and ensure profitability:

Recently, investing in real estate is completely unprofitable;
Shares of Russian companies can lose value at any time;
The profitability of mutual funds for short periods is always much less than investments from 3-5 years.

Remember that income cannot be guaranteed! It depends not so much on Sberbank as on the economic and market situation.

Investment risks

There is no need to be afraid of mutual funds - this is not a hoax. There is no catch in investing. The creators care about the trust of customers. Money in funds is securely protected - they are under reliable protection, while all transactions with them are monitored to prevent violations of the law.

Naturally, no one will just give finance to investors. A mutual fund is not a fairy tale, so you should be wary of some factors.