Trading with Finam Trade (Finam Trade light) - instructions on how to trade online

Hello colleagues! We continue our series of reviews of brokers; on this Friday I would like to pay attention to such a well-known company as Finam. Many consider it as an ideal option for trading shares, which, by the way, is quite justified. But I prefer to evaluate everything on my own, so we will proceed according to the standard scheme - first we will evaluate all the available information, then we will study the reviews when studying the Finam broker, and then we will summarize.

Without exaggeration, this broker can be called an old-timer ; he literally stood at the origins, having started working in the mid-90s. At that time, the situation in our country was more like the Wild West - a complete lack of regulation, deception at every turn. But to Finam’s credit, I note that from the very start, attention was paid to the comfort of clients , and in all the years of work, the broker has not been involved in a single major scandal.

History of the holding

The official date of birth of the holding can be considered 1994 , that’s when it was created. At that time, there were very few sources of information, so the “Investor's Portfolio”, which was published by the company, was almost the only “window” into the world of finance. The company's clients often invested in shares based on the "Investor's Portfolio".

Things were going well, over time the company finally got used to the role of a broker and received the appropriate licenses in the late 90s. And at the beginning of the 2000s, the current name of the holding appeared - Finam , it was obtained by adding the letter M to the word “Finance”, which stands for Moscow.

Compound

At the moment, the holding includes several companies:

• JSC "Finam" is precisely a broker operating in Russia
• Bank "Finam " This is the most ordinary bank, the list of services is like that of a standard bank
• investment
• Finam Management deals with issues of trust management. The reputation is excellent, the company manages not only the funds of ordinary people, but even pension funds
• " Finam.ru " (official website finam.ru) is an ordinary information and analytical company
• educational _ The company provides training not only on-site, but also remotely.
• investment fund FINAM GLOBAL . The scope of activity of this company is the purchase and development of assets. This is not an ordinary investment company: in addition to purchasing assets, it also manages promising businesses together with its owners

So brokerage activity is far from the only area of ​​activity of the holding. Finam deals with literally everything related to finance, from providing brokerage services to managing client funds, developing promising business areas, and so on.

Robot RIGHT

A significant advantage of Finam is its partnership with the RIGHT service (owned by a third-party company). The service provides broker clients with a free investment robot-advisor, which manages their portfolios based on specified risk parameters. Great development. I myself have been using the robot for about a year and am very pleased. Now the robot controls about a third of my investment portfolio, which is about a million rubles.

Read more about the robo-advisor in this review.

Holding licenses

The companies operate on the basis of a number of licenses issued in different years:

1. investment has the right to brokerage, dealer and depository activities. This is confirmed by licenses No. 177-02739-100000, No. 177-02752-010000, No. 177-07687-000100, respectively
2. the manager has the right to manage securities (license No. 077-11748-001000), as well as investment funds, mutual funds and pension funds (but only non-state), license No. 21-000-1-00095

3. Finam Bank. Its scope of activity is to carry out banking transactions in rubles and foreign currencies. Carries out its activities on the basis of license No. 2799, issued in 2015
4. Finam Forex received a license at the end of 2015. Has the right to operate as a forex dealer

I note that it was Finam that became the pioneer and was the first to obtain a license from the Central Bank of the Russian Federation . Let me also remind you that since the beginning of 2016, a law came into force in the Russian Federation obliging brokers to obtain a license from the regulator, only under this condition they could continue their activities in the country.

Finam has a very wide list of available instruments; it is not limited to just currency pairs. If you wish, you can trade, for example, on the stock market, commodities, futures, CFDs.

Forex Broker Finam: review

Finam is one of the largest retail brokers in the Russian Federation.
The company name is an abbreviation and stands for “Financial Analyst Moscow”. The geography of the Finam company includes representative offices in 90 cities around the world. The firm's offices are located in the United States of America, Kazakhstan, India, China, Thailand, Malaysia, Indonesia and Cyprus.

Finam has over a dozen representative offices in Russia. In addition to the capital of the Russian Federation, the brokerage organization's offices are located in St. Petersburg, Smolensk, Bryansk, Stavropol, Taganrog, Cherkessk and other large cities of the country.

Brokerage company Finam is one of the few financial intermediaries in the Russian Federation that provide access to FOREX, which have Russian regulation. Finam's license was issued by the Federal Commission for the Securities Market on November 9, 2000 No. 177-02739-100000 and is unlimited.

Brief overview of Finam

Forex market

Finam received a license from the Central Bank of Russia, which explains some of the oddities in trading conditions when working on the Forex market. Let me briefly go through the trading conditions:

• no commission from the broker
• spreads are declared to be the lowest and optimal of all possible, but in reality, to put it mildly, they leave much to be desired. Judge for yourself: for example, for EUR/USD the spread starts from 15 points (5-digit quotes). Compared to other brokers, this is a lot
• the minimum transaction size is 1000 units of the base currency
• leverage cannot be higher than 1:40
• Only 26 pairs available for trading

On finam.ru there is a separate “ Forex ” tab on the main page, so you can make sure that the trading conditions are exactly the same.

According to the provisions of the new law, leverage cannot exceed 1:50, which explains the low leverage of the broker. Another feature of the broker is that he is 100% in the kitchen , you can be sure. And we have a new law to thank for this: it clearly states that the broker does not have the right to transfer them to an external counterparty, so no one will transfer your transactions to the interbank market; they will be circulated within the company. But this shouldn't scare you . It allows Finns to trade Forex and not be afraid for their money. Most traders successfully cope with the drain on their own, so you can trust Finam ; the company’s reputation is more valuable.

Any dispute with the company is resolved first with the broker, and if a compromise cannot be reached, the trader has the right to go to court. The agreement also specifies the possibility of avoiding court proceedings; in this case, the final arbiter will be a self-regulatory organization that fully complies with the requirements of the Central Bank. You can contact TsRFIN .

Software and mobile trading

The broker is constantly improving its trading system. The FinamTrade platform allows you to trade from your PC, smartphone and tablet. The interface is simple and clear; it does not require special skills or knowledge.

To buy and sell, just click a button. To confirm the operation, an SMS is sent to the registered phone number.

The mobile version of the trading platform is more convenient than the computer version. You can receive information and make transactions using a smart watch, such as the Apple Watch. More than 10,000 instruments are available to the user, including currencies, stocks, options, futures and bonds.

The interface of the mobile version of FinamTrade includes:

• displaying the market situation in real time;
• using a dark background;
• a select list of frequently used tools;
• overview of tools with the ability to call the application window;
• an intuitive application window with an optimal number of parameters.

You don't have to be a broker's client to access the platform. Everyone can watch quotes, read news and hone their stock trading skills for free.

Eurobond trading

The broker provides the opportunity to invest in Eurobonds. From the point of view of risks, I consider this method of investment as an intermediate option between forex (high risk) and a simple deposit in a bank (almost zero risk, but the potential profit is small).

Finam is a broker that provides the opportunity to invest in Eurobonds, which makes it possible to increase profitability several times compared to a bank deposit . Profitability can be up to 20% in foreign currency, up to 30; in rubles with a minimum commission of 0.118% of the transaction value. In reality, the minimum commission is difficult to find, but it is not much higher and is usually around 0.15% or higher.

When you buy bonds, it is as if you are lending money to the company that issued them for a certain time. The role of such borrowers can be not only individual companies, but also governments of different countries and local authorities. Even before purchasing, you can familiarize yourself with what kind of coupon income is offered. It is this that is accrued every day after the purchase of Eurobonds.

The screenshot shows an example of bond yield compared to a bank deposit. The yield is real and calculated as of November 2015 . At the moment, the ratio as a whole has not changed, and using greater leverage the profitability can be made even higher.

The company also has an original proposal - to open a deposit on Eurobonds. The meaning of such a deposit is to simultaneously purchase a Eurobond (in US dollars), as well as ruble/dollar futures.

Investment package "Investa"

For investors who are not ready or do not have the time to manage their assets on their own, JSC Finam and the insurance company offer a package. This is a comprehensive solution that includes a set of “multi-follow” investment strategies and endowment life insurance. The specific details of the strategies are selected based on the client's risk profile. The insurance part of the package guarantees 100% safety of the invested amount, as well as a social tax deduction. This is a personal income tax refund from transactions in the amount of insurance premiums paid for the same calendar year. The insurance program is valid for 5 years. Contributions can vary from 25 to 900 thousand rubles. in year. The “Investa” package can be connected to manage capital on an individual investment account, which allows you to increase your return on investment. The “multi-follow” strategy set has 3 risk levels:

• Conservative investor;
• Optimal balance;
• Great opportunities.

According to the broker, the return on IIS for 2022, even at a conservative level, was 18%, and at a risky level - almost 48%. To activate the package, the client simultaneously enters into contracts with both companies participating in it.

Working with shares

When working with shares of Russian companies, the company’s client gets access to:

• Moscow Exchange , one of the most popular options, has over a hundred issuers represented on it, and over 200 instruments are traded. It is the MICEX that accounts for over half of the turnover in Russian stocks
• RTS is in second place - it already has a smaller share, only 20% of the turnover in Russian shares. But there are more issuers, already over 200, and more than 350 instruments are traded
• SGK trading system - even if its turnover is small, about 5%. A distinctive feature of this site is that work is carried out only with blue chips
• stock section PTC-FORTS

Of course, the matter is not limited to shares of Russian companies alone; it is quite possible to trade, for example, American shares. All stock quotes can be viewed directly on the official website on the main page, or through one of the trading terminals. By the way, it also contains information on financial markets. Moreover, it is really useful and can help in trading.

Trading conditions

Trading conditions are good, commissions are small . For a single account they are:

• 0.00944% of turnover when working with shares of Russian companies and bonds issued by Russian companies
• 0.0027% in the case when work is carried out on the MICEX currency section
• $0.0025/1 share is the minimum commission you will have to pay if you are interested in the US stock market
• 0.45 rubles/1 contract – the minimum commission when working with futures and options on the MICEX derivatives section

The indicated commissions are fair for all clients of the broker, but if you demonstrate a large turnover, then Finam can meet you halfway and reduce the commissions even more. There is no “turnover amount” criterion, so everything is considered on an individual basis .

Real reviews

Egor, 27 years old
Before starting cooperation with Finam, I decided to read the reviews of other users. However, the comments were both positive and negative. Some users write outright nasty things, claiming that the resource is a scam and lures money out of people. However, this is a complete lie. For those who dream of making big profits without putting in a lot of effort, Finam is not an option. But, if you pay due attention to training and show diligence, the result will not be long in coming.

Marina, 21 years old

Finam is the best broker I have ever worked with. We are pleased with the opportunity to enter the international market, taking into account Russian jurisdiction. Therefore, clients have every chance to sell and buy both Russian and foreign securities using one account. There are no special account requirements. The company's services work quickly and flawlessly. For beginners, informative master classes and training programs are provided at the best prices. I recommend.

Victor, 42 years old

My cooperation with Finam began 5 years ago. So far everything is fine, and no problems have arisen. The range of instruments, like stock markets, is quite extensive. There is access to foreign markets to purchase foreign securities. Beginners can consult with experts or take basic training courses.

Calculating bond yields and buying stocks

If you go to the “ Bonds ” section on the main page of the site, you can use the calculator to calculate the level of yield on any bond:

• select an issuer
• release
• settlement date
• the price at which these bonds can be purchased. The price will be slightly higher than the nominal price
• the minimum contribution is $10,000
• you can also set the multiplier up to 6

After that, click “ Calculate ” and get all the indicators of the planned investment .

Trading shares is easy for beginners with Finam. You can buy shares in several ways – through a trading terminal or directly from the company’s website. All you need to do is:

1. select the desired company and number of shares. The commission will already be included in the final price

2. next stage - entering personal data

   
   

3. At the final stage, data verification , purchase confirmation and actual payment for the shares take place.

In addition, in emergency cases, you can leave a request to sell/purchase shares of any company by phone.

Like any reputable broker, Finam provides its clients with various investment opportunities.

How to open a brokerage account: step-by-step instructions

Take your time to click on the “Open account” button on the main page of the official website. Before this, you need to do a little preparatory work: determine the starting capital and the regular amount for investment, get acquainted with the tariffs and conditions.

For beginners, there is an excellent opportunity to try their hand at a demo account. 2 types available:

1. Russia and the USA: shares of Russian and American companies, bonds, currencies, futures.
2. Forex: investing in the international foreign exchange market.

Working on a demo account will give you an idea of ​​the structure of trading platforms (Transaq, FinamTrade or MetaTrader 4), the procedure for submitting orders to buy and sell, viewing stock and bond quotes in real time, etc. You will have a virtual amount of money that is not I'm afraid to lose. Experienced investors warn that this could also be a negative factor. Beginners will get used to risking money other than their own, and then they will transfer this practice to their own capital.

Complete information about current strategies that have already brought millions of passive income to investors

Step 1. Determine the amount to invest

Firstly, the broker has a minimum amount for opening a brokerage account - 30,000 rubles. Therefore, you should already have at least that much money as starting capital.

Secondly, it is necessary to determine the frequency of investment (once a month, quarter, year or daily trading) and the amount of investment. The choice of tariff for trade depends on this. Some are beneficial for rare transactions, some are suitable for active traders.

Step 2. Determine the type of account

There is a regular brokerage account and its version - an individual investment account (IIA). Which one is better to start depends on your goals and investment horizon. But the main difference and advantage of an IIS compared to a regular account is tax benefits:

• the opportunity to annually return 13% of the invested amount, but not more than 52,000 rubles. per year (IIS type “A”);
• the opportunity not to pay income tax on profits received from an increase in securities quotes when closing an IIS after 3 or more years (IIS type “B”).

IIS is not suitable for an investor who:

• intends to have more than one account and generate capital of more than 1 million rubles;
• wants to make money from changes in the value of stocks and bonds, i.e. periodically withdraw the profits to his bank card;
• plans to use savings earlier than in 3 years;
• will trade not only on Russian stock exchanges, but also foreign ones.

When opening an IIS, Finam simultaneously opens a simple brokerage account. All Russian brokers do this. It is not necessary to deposit money into both accounts. If the brokerage is 0 rubles, then you don’t need to pay any commissions.

Step 3. Select the opening method

Finam offers two ways to open an account:

1. Remote, on the broker's website.
2. In person at the company office. Offices are open in more than 90 cities of Russia.

The first method is good because it is available to residents of any locality, because 90 cities are not all of Russia. There is no need to adapt to the company's operating hours. You can open an account online at any convenient time, even at night, on weekends and holidays.

More than 100 cool lessons, tests and exercises for brain development

Start developing

The second method is for those who prefer to ask an employee about commissions, minimum deposit and leverage before opening. All further actions to fill out the form and scan documents will be taken over by the broker.

Step 4. Prepare documents

The set of documents for both methods of opening an account is minimal. This is a passport, with your choice of SNILS, Compulsory Medical Insurance or INN. You must make copies of the following pages from your passport (photos with a regular smartphone are allowed):

1. Spread with passport details and photo of the owner.
2. Page with registration mark.
3. A page with a note about a previously issued passport.

There is no need to make copies of other documents. They are needed in order to write their numbers in the form.

Step 5. Fill out the form and wait for confirmation of opening

Next, we will look at the online opening procedure.

• On the main page of the finam.ru website, in the upper right corner, click the “Open account” button.

• You need to select the type of account: single, IIS, trust management or Forex. Fill out the form with basic data and choose the “online” opening method.

• In the following form you need to fill in your passport data, SNILS number, INN, and compulsory medical insurance policy. If you have a registered profile on the State Services portal, then just click the appropriate button and the data will be loaded automatically. If not, enter it yourself.
• After clicking the “Login to your account and open an account” button, a password will be sent to the specified phone number. It must be entered in the appropriate field to gain access. A broker’s personal account is a special service in which you can track all the information on your brokerage account and perform the necessary actions to replenish and withdraw funds. There will also be information for logging into trading terminals.
• Fill out the form with the addresses of registration and actual residence. Provide contact information.
• Fill out the form on the status of an individual.
• Enter information about your financial situation and experience working on the stock exchange (optional step).
• If you are carrying out the account opening procedure not through the State Services portal, then the next step will be to attach scans (photos) of the passport pages to the application form.
• Select the account type (Single or IIS) by checking the box next to the one you need.

Then all you have to do is wait for the set of documents to be generated and sign the finished one using the code from the SMS. The signed documents will be sent to Finam for verification, which usually takes 1 day. All information on access to trading platforms will appear in your personal account.

After opening the account, you will only need to top it up with rubles or foreign currency. And you can buy your first securities.

If at any stage you have any questions, there is a 24-hour hotline +7 (495) 796 93 8, technical support - *1945 (free in the Russian Federation for MTS, Beeline, Megafon).

Mutual funds and trust management

The advantage of a mutual investment fund is that the entry threshold for each individual participant is reduced. That is, several people pool their money, and work is carried out with more or less large capital. The profit is then distributed depending on the contribution of each participant.

Mutual investment funds are managed by experienced managers . There are 2 types of trust management:

• for capital 0.5 – 1 million rubles
• for capital from 1 million rubles

There are several strategies to choose from, which differ in the level of risk and the tools selected for the job. Just choose the one you need, and an experienced trader will manage your money for you. So you personally don’t need to perform, for example, technical analysis of the stock market, just wait for the result. Of course, no one guarantees profit, but given the manager’s experience, the probability of making a profit is extremely high .

And as a small example, I’ll give you the dynamics of changes in the balance of the open-end mutual investment fund “ First ”.

As you can see, the dynamics are not bad, the profit far exceeds not only the fixed interest on a bank deposit, but also the income, for example, on Eurobonds. Due to the fact that work is carried out with a portfolio of instruments, risks are minimized as much as possible.

More details about each offer

Access to global exchanges from one account. Finam offers the opening of a single account that gives access to the Moscow, London, Chicago stock exchanges, as well as the NYSE and NASDAQ. But if you have an IIS, then you will be given access to the Moscow and St. Petersburg exchanges.

IIS with interest accrued on the balance. On an IIS opened in Finam, the company accrues monthly interest equal to half the key rate of the Central Bank. At the time of publication of the report, the Central Bank rate is 4.25%, so Finam charges 2.125% per annum on the free balance in rubles. Autofollow service. There is a separate review on this service on the blog with a list of the best, in my opinion, strategies for copying. The list of strategies may be a little out of date; a new rating will need to be compiled someday.

In short, the essence is that you connect an account (or part of an account) to the strategy you like, and the service automatically copies transactions made by the strategy manager to your account. For this, the service takes a commission (a certain percentage of the net asset value in your account), which it shares with the manager. If the strategy brings good profits, everyone remains in the black.

Any Finam client can add their strategy to the service. If it seems attractive to other clients, and many subscribers subscribe to it, you can make good money from this. Investments in IPO. There is an opportunity to participate in IPOs offered by Finam. The assortment here is the same as that of Just2Trade, from which we can conclude that participation in the IPO goes through a sub-broker, which is Just2Trade.

The minimum investment amount is from $1,000, the commission on the transaction is 5%, there is no lock-up period. Qualified investor status is required to participate in an IPO. Online store of shares. The broker provides the opportunity to purchase shares through an online store. You can access the online store by clicking on the button below.

In this online store, shares can be purchased by paying with a regular bank card. You can buy shares not only for yourself, but also as a gift, in the form of a certificate. Read more about buying shares as a gift in this article. P2P lending. An interesting offer from Bank Finam, which allows investors to lend to individuals through the P2P lending system. Loans are issued against the security of a car or real estate. The minimum investment amount is from 100,000 rubles. Guaranteed yield - 14.5% per annum when lending secured by a car. When lending against real estate, the potential return is up to 16% per annum. Mutual funds. The manager offers to purchase shares of the Finam First and Finam Moscow-Retail investment funds. It doesn’t look particularly attractive, just like investing in any mutual funds. Over 3 years, the profitability of the first was about 15%, and the second - about 25%.

Structured products. They are also individual investment portfolios. You can choose ready-made solutions and configure acceptable risk and protection parameters. For example, you can choose 100% capital protection, then the maximum risk will be that you simply won’t earn anything (plus commissions, of course). The higher the protection percentage, the lower the potential profitability. You can make money both on the rise and fall of the price of the underlying asset (you just need to determine in advance the expected direction of the price movement). There is an option for the most risky, which is called “All-in”. Here you will either lose your investment completely or increase it by 2-6 times. The conditions are transparent and prescribed in advance.

Trust management. The management company offers a variety of trust management strategies. They are divided into standard strategies DU, DU Light and DU Premium. For standard strategies, the minimum amount is not specified on the site, for the Light control system - from 100,000 rubles, for the Premium control system - from 1 million rubles. Premium differs from Light in the “flexibility of settings” of the chosen strategy, if I understand correctly. AI advisor. Service for compiling an individual portfolio. You are asked to complete a short survey consisting of 9 questions, after which the service will offer you a specific portfolio that is suitable for you in accordance with your risk profile, which is determined by this survey. Investment life insurance. Available as part of the INVESTA All Inclusive portfolio. The bottom line is that the portfolio is divided into 2 parts: investment and insurance. The investment part consists of several auto-following strategies (Finam calls this “multi-following”), and the insurance part consists of an accumulative life insurance program from AlfaStrakhovanie-Life LLC (which, obviously, Finam promotes as part of a partnership with this insurance company). Money from the insurance part of the portfolio is promised to be returned in full after 5 years (subject to the terms of the contract), plus there is the possibility of receiving a social tax deduction. In general, the topic is interesting and cannot be explained in a few words. Perhaps someday I will do a separate review of this product. Taking care of your pension. To take care of your own pension, Finam offers 2 and the Piggy Bank service.
In the “Personal Pension Fund” you are asked to indicate the desired amount of “pension” and the desired year of retirement for this “pension”, and choose one of three proposed auto-following strategies, differing in the level of risk and profitability. The system will show you the required level of monthly contributions (the less risky the strategy, the more you will need to contribute to this fund). Deductions are indicated on the basis that after the desired year of retirement, you will receive the monthly amount that you indicated for 15 years. And, of course, the estimated profitability is taken into account, which is not guaranteed.

The second option for accumulating a personal pension is the Piggy Bank service. The principle is very similar. The monthly payment and accumulation period are determined. The IIS opens. One of the autofollow strategies is activated, tailored specifically for monthly account replenishment. Such strategies are based only on the most reliable investment instruments, such as OFZs and shares of the largest Russian corporations.

***

Most likely, this is not the entire range of services for investors, but I have listed the most basic ones.

Individual investment fund

I decided to consider this item separately because of the extremely favorable investment conditions . If interest-bearing deposits in a bank are not attractive to you because of low returns, then I advise you to take a closer look at IIS , the conditions are not bad, the profit is higher than in a bank, so this is a good opportunity for investment.

And now briefly on the conditions:

• investments are justified for a period of 3 years (due to tax deductions)
• You can top up your account with an amount of no more than 400 thousand rubles per year
• The key thing that attracts you to an IIS is the opportunity to take advantage of a tax deduction , that is, you will not have to pay 13% tax. In combination with the most conservative operating strategy (which gives an average of 5% income per year), you get a total of at least 18% per annum.

Please note that you can withdraw money before the expiration of the 3-year period , but in this case you will not be able to take advantage of the tax deduction, so the main advantage of the IIS from the Finam broker is lost.

The example shows the most aggressive version of the strategy, which gives up to 50% per annum. In this case, in 3 years you can earn over 1.65 million rubles with a total investment of 1.2 million in 3 years. A significant part of the profit was obtained through tax deductions.

Fin training

A separate topic is training from Finam. Unfortunately, within the framework of this review it will not be possible to analyze in detail this area of ​​​​activity of the Finam Group of Companies, since the topic is very extensive and requires a separate review. Maybe someday I’ll do a separate review if you, my dear reader, make it clear that you are interested in the topic of learning to make money in the financial markets.

In short, the training courses look attractive. A wide range of topics to study, for every budget (there are many free classes), and for any level of knowledge - there are courses for both beginners and professionals. Training is conducted by experienced and renowned teachers.

Structural product

A structured product offers investments in a pre-composed portfolio of different instruments. At the same time, you can start working starting from 100 thousand rubles. There are several options for structured products:

• with 100% safety of the deposit , while the percentage is still higher than for a bank deposit
• with a fixed income - even before investing you will know exactly how much you will receive
• after all, there is also a VIP offer - in this case, the structured product will be compiled taking into account your wishes

Finam offers several interesting services. They can really help in trading.

Pros and cons of the company

The advantages of the FINAM broker include:

• top 1 by number of active clients;
• high-quality analytics and training;
• a single account in all markets;
• large selection of tools and services;
• representative offices in many cities of Russia.

The disadvantages of FINAM include:

• many additional commissions;
• problems with access during strong market movements;
• high risks of trust management services.

Thus, the advantages do not completely cover the company's shortcomings.

WhoTrades – social network for investors

This is truly a kind of social network for traders. There are free analytics here, and fairly accurate forecasts can be found. By and large, this service can be called a portal for communication between traders.

But what can traders talk about if not about quotes and expected price movements? So it turns out that this service can be considered as a source of free and high-quality analytical information . If you wish, you can write a post yourself and even accompany it with a screenshot of the chart markup.

When you go to WhoTrades, you are taken to the site of the same name. If you click on it, for example, “ Services ”, you will be taken to the Just2Trade website. There is nothing surprising in this, the fact is that Finam simply bought Just2Trade, so this company is now its division.

Tariffs for brokerage services in FINAM

"FINAM" broker offers different tariffs for individuals and organizations. Among them:

• Day. The client pays a commission for each order. The higher the account turnover, the lower the commission.
• Fixed. Regardless of whether the client made transactions, he must pay a monthly fixed commission. You should also have the amount required for debiting on your account, otherwise the broker will transfer you to another tariff plan.
• Test Drive. Any turnover has a fixed small remuneration rate. The tariff is valid only for 1 month, then the client is transferred to other tariffs with a different commission from the FINAM broker. The purpose of the tariff is to teach how to use the system.
• Consulting. The client can not only use the account and make transactions. Specialists and consultants help him with this, because of this the tariff is slightly more expensive than similar ones - you need to pay for the broker’s services.

You can also open a single account for trading on all trading platforms at once. But here the conditions are slightly different. In addition to the commission for each transaction, you have to pay for other types of transactions and services.

Another account to cover is the individual investment account. It usually caters to professional traders and investors who are well versed in the topic and want to get favorable terms.

Comon service

This name hides a service that implements automatic tracking of successful strategies. Almost every broker has analogues.

When working, you get the opportunity to trade automatically in shares of the Russian Federation, the USA, futures, and currencies. In this case, on the main page you can choose what exactly interests you: automatic trading or only signals. If you choose the latter option, you will make the decision to conclude the transaction yourself.

Otherwise, everything is standard - there are filters for maximum drawdown, profitability, account type, and you can also set what the minimum entry should be. There are strategies where the input amounts to millions.

For each strategy, you can see the performance and other statistical characteristics. You can also participate in the discussion, pre-calculate your expected income and subscribe to it.

Opening an investment account ONLINE

During the registration process, you can choose how you want to open your new account with the Finam broker - either online or in the office. In the first case, you can do all the procedures from home via the Internet. And secondly, at a certain stage you will need to come to one of the Finam offices and complete the account opening in person!

And here it should be added that ONLY residents of the Russian Federation can open an account with the Finam broker completely remotely! If you are NOT a resident, then you will still have to visit any office of this broker to open an account. Fortunately, there are plenty of them in Russia - over 100 different cities.

Trading terminals

A trader can work through the following terminals:

• Transaq
• QScalp is notable for the fact that it allows you to perform complex trading operations literally in one click
• FinamTrade is its own trading platform that allows you to trade on almost all popular global platforms. The functionality includes, in addition to standard features (displaying news, etc.), advanced capabilities for analyzing charts. There is a version for mobile devices
• QUIK is perhaps the most popular program for working on the stock market; there is also a web version
• MMA Mobile/Web – terminal version for mobile devices and browser-based trading, respectively
• TradeMatic Trader – useful if you need to automate trading
• Volfix – positioned as an innovative exchange service

Available Finam products and services

Brokerage services:

• Independent trading on the stock, derivatives, and foreign exchange markets of the Russian Federation and the USA (Single Account);
• Trading with an assistant;
• Automated trading;
• Special offers for professionals (Pro Trading);
• Corporate clients, etc.

Banking services:

• For private individuals (Internet banking, currency exchange, transfer from card to card, deposits and investments);
• Legal entities (settlement and cash services, foreign economic activity, deposits, financing and bank guarantees, loyalty program, consulting: audit and accounting, etc.).

Asset Management:

• Finance management;
• Mutual funds;
• Exchange Traded Funds;
• Trust management;
• Assistance to managers;
• Recommended strategies.
• Forex.

Trading terminal

Finam provides brokerage services through the following terminals: Finam Trade, Quik, Transaq. In addition, additional tools are available to conduct market analysis, process various data and trade, including in automatic mode.