Sberbank is a credit institution where you can not only open a current account or place a time deposit, but also enter into an agreement for brokerage services and gain access to trading on the stock exchange.
To do this, you need to open a brokerage account. This can be done in two ways: visit the branch in person or use the Sberbank Online system - for those who are already clients of this financial organization.
Where to begin
To enter the stock market, an individual needs a brokerage account or IIS. Without the mediation of a broker, it will not be possible to make transactions with securities or on the foreign exchange market. You can submit an application to Sberbank to open such accounts remotely. This is one of the most important advantages noted by users. It’s even better when the broker has a high-quality mobile application where you can carry out transactions for buying and selling assets in one click. Sber also has an application for investors. It is constantly being developed and improved.
After opening a brokerage account or IIS, investors and traders make a decision - to invest themselves or entrust it to a management company. Sber offers both formats of cooperation. For any type of management, the broker offers ready-made tools and investment strategies with different levels of risk and profitability.
Clients can invest independently through Sber Investments in a brokerage account and IIS, as well as by investing money in ETFs and smart funds. When managing a portfolio independently, investors have access to instruments that are traded on the Moscow Exchange:
- Russian and foreign shares;
- bonds, including OFZ-n;
- Eurobonds;
- currency – US dollars and euros, with a minimum lot of 1000 units;
- futures and options.
In addition to the listed instruments, qualified investors also have access to:
- investment bonds of SberBank – RSG Russia index and Russian Blue Chips;
- structural notes;
- over-the-counter market.
Instruments for qualified investors have a high level of risk, so they are not available to beginners.
Individual investment account
IIS is a special account through which you can receive a tax deduction. You can invest in this account yourself or entrust management to Sberbank. In the second case, the management company offers a low-risk strategy with the purchase of OFZ or corporate bonds of Sberbank. Potential return with trust management is 9.45% per year. By investing on your own, you can save on management fees and choose a more aggressive strategy by buying stocks, bonds and funds with a higher level of risk. In this case, the potential income is not limited.
On an IIS with trust management, a broker can implement other strategies:
- "Cumulative". The money is invested in OFZs, shares and bonds of large Russian companies. The strategy has a low level of risk and historical returns since 2022 of 51.7%.
- "Russian shares". Funds are invested in large Russian companies with high growth potential and high liquidity. The strategy has a high level of risk and historical returns since 2022 of 78.9%.
For all strategies, the minimum investment period is 3 years. You can select a program in the Sberbank Investments application or at the bank office.
Funds
Funds independently invest money on the market in various assets, and the investor buys shares of the fund and automatically becomes the owner of each asset that was purchased by the fund. No need to waste time studying companies, markets or indices.
Fund managers ensure that the composition of assets matches the chosen strategy and shares. You can choose funds that invest money in a specific industry, country or index. Depending on this, they have different levels of risk and potential profitability. You can buy funds yourself or entrust portfolio management to Sber.
Piths
Sber offers investors a wide range of mutual fund strategies:
- “Ilya Muromets” is a bond fund. The historical result for three years is 23.8%. Suitable for conservative investors with a low level of risk.
- “Balanced” – a fund for stocks and bonds. The historical result for three years is 63.5%. Suitable for investors prepared for a high level of risk.
- “Dobrynya Nikitich” is a fund for shares of foreign companies. The historical result for three years is 89.9%. Suitable for investors who are ready for the maximum level of risk.
- “Currency Bonds” – currency bond fund. The historical result for three years is 22.6%. Suitable for conservative investors with a low level of risk.
- “Prospective Bonds” is a bond fund. The historical result for three years is 24%. Suitable for conservative investors with a low level of risk.
- “Money” is a bond fund. The historical result for three years is 15.8%. Suitable for conservative investors with a low level of risk.
- "Energy" is a stock fund. The historical result for three years is 51.8%. Suitable for investors who are ready for the maximum level of risk.
- Natural Resources is a stock fund. The historical result for three years is 74.5%. Suitable for investors who are ready for the maximum level of risk.
- “Global Internet” is a stock fund. The historical result for three years is 81.8%. Suitable for investors who are ready for the maximum level of risk.
- “Consumer sector” – stock fund. The historical result for three years is 100.9%. Suitable for investors who are ready for the maximum level of risk.
- “Financial sector” – stock fund. The historical result for three years is 31.7%. Suitable for investors who are ready for the maximum level of risk.
- “Global Shares” is a stock fund. The historical result for three years is 77.2%. Suitable for investors who are ready for the maximum level of risk.
- "Biotechnologies" is a stock fund. The historical result for three years is 60.7%. Suitable for investors who are ready for the maximum level of risk.
- “Gold” is a stock fund. The historical result for three years is 44%. Suitable for investors prepared for a high level of risk.
You can start investing with 1000 rubles. You can buy fund shares remotely at SberInvestments.
ETF funds
Qualified and unqualified investors can invest in ETFs in Sberbank. The most popular ETF investment strategies are:
| ETF name | Potential return of the fund for the year, in % | Minimum amount to start investing, in rubles |
| BPIF SberIndex Eurobonds | 9,75 | 1 203 |
| BPIF SberIndex Moscow Exchange OFZ | 4,07 | 11,92 |
| Corporate Eurobonds RUB | 7,68 | 19,16 |
| Corporate Eurobonds USD | 6,14 | 902,9 |
| Shares of US IT companies | 24,43 | 11 115 |
| FinEx Gold ETF USD | 14,98 | 838,8 |
| Chinese company shares | 23,34 | 3 101,5 |
| German company shares | 14,35 | 28,82 |
| BPIF Sberbank S&P 500 | 21,95 | 1 694,8 |
| BPIF SberIndex Moscow Exchange | 57,27 | 21,35 |
| Short-term US government bonds | 8,85 | 709 |
| Moscow Exchange Ruble Corporate Bonds Index | 1,73 | 11,26 |
| Money market instruments | 3,89 | 1 705,6 |
Please note that the higher the fund's potential return, the higher the investment risk. You can invest money with a minimum amount. You can buy fund shares remotely at Sberbank Investments.
Smart funds from Sber
Sber has five smart funds with different investment strategies from conservative to aggressive. You can invest money yourself or entrust it to the Sber management company:
- Conservative smart fund SBCS ETF - designed for savings and accumulation.
- SBRS ETF, a cautious smart fund - for saving and growing with low-risk instruments.
- SBWS Weighted Smart Fund - Capital gain with a moderate level of risk.
- Progressive smart fund SBPS ETF - capital growth by investing in high-end instruments.
- Dynamic smart fund SBDS ETF - getting maximum income with high-risk assets.
You can also invest money in smart funds using IIS. In this case, there is a chance to increase the potential profitability by receiving a tax deduction for an investment period of three years.
Trust management
When choosing trust management, professionals will invest the client’s money. Sber offers 5 trust management strategies:
| Group name | Types of portfolios | Probable annual return under a neutral scenario, in % | Risk level |
| Model portfolios | Conservative | 4,2 | Minimum |
| Careful | 5,6 | Short | |
| Moderate | 8,8 | Average | |
| Moderately aggressive | 11 | High | |
| Aggressive | 12,8 | Maximum | |
| My capital | 2025 | 4,8 | Average |
| 2030 | 6,7 | Average | |
| 2035 | 8,3 | High | |
| 2040 | 9,6 | High | |
| Responsible Investment | Responsible Investment | 7,76 | Maximum |
| Dollar bonds | Dollar bonds | 4,1 | Short |
| My capital in US dollars | 2025 | 5,6 | Average |
| 2030 | 6,4 | Average | |
| 2035 | 7,4 | High | |
| 2040 | 8,3 | Maximum |
The minimum amount to start investing depends on the chosen strategy and period. You can arrange trust management in Sber offices and remotely through SberInvestments.
Pension programs
With the help of pension programs, you can generate capital to obtain the desired level of income in retirement:
- Compulsory pension insurance – low level of risk;
- Individual pension plan (IPP) – contribution from 2,000 rubles and a minimum level of risk.
When choosing any of the programs, the investor transfers control to professional managers. You won’t be able to select assets and conduct transactions on the stock market yourself.
Endowment life insurance
NHC programs are used when accumulating an amount for a specific purpose with an additional benefit - insurance against various risks. Sber has three individual housing construction programs:
- “I think about the future” – from 3 to 20 years;
- “Ticket to the future” – from 5 to 15 years;
- “Deposit + NGS” – up to 30 years.
All NHC programs are low risk. The client does not participate in account management.
Investment life insurance
Like NHC, individual housing construction is an insurance instrument with a minimal level of risk. Sber has four individual housing construction programs:
- “Sbercoupon for life” – for 5 and 7 years;
- “Luxury Goods” – investing in luxury goods and world-famous brands for a period of 5 years;
- “New technologies 3.0” – investment in the largest IT companies for a period of 5 years;
- “Global Medicine” is an investment in the world’s leading medical companies for a period of 5 years.
All individual housing construction strategies with a minimal level of risk. The client does not participate in account management.
Precious metals
How to make money on investments in Sberbank? The financial institution offers investment on the market in objects:
- investment and commemorative coins;
- bullions of precious metals.
At Sberbank offices you can purchase gold, silver, platinum, and palladium.
The main points of this method of investing:
- The investment is long-term and stable. The investor diversifies risks.
- Possibility of receiving additional income.
Review of investment applications from Sber
Sberbank has two mobile applications for investing:
- Sberbank Investor is the first application launched by Sber for private investors;
- SberInvestor is a newer application.
You can download both Sberbank applications for investments on smartphones based on Android and iOS.
The SberInvestor mobile application has slightly wider functionality compared to the first version, but user ratings are lower. Both applications are not very stable; crashes and errors often occur. In addition, investors complain about the poor quality of technical support and speed of feedback.
In the new SberInvestor application you can:
- pass testing on risky instruments;
- read the Textbook for Beginning Investors;
- view all brokerage accounts;
- configure the chart to display information in the form of “Japanese candlesticks”;
- study Interfax news;
- set profile type for beginner, expert or professional.
The old Sberbank Investor application does not have such capabilities, but it continues to work on par with the new one.
QR code for the new SberInvestor application:
QR codes for the old application for Sberbank Investments:
The third way to make transactions on exchanges through the Sberbank broker is to install the QUIK trading terminal. It can be used for online trading from a tablet or computer. This option is less suitable for beginners; it is more often chosen by experienced investors and traders who conduct a lot of transactions on exchanges.
The terminal has a wide range of tools for in-depth technical analysis. You can also install the QUIK mobile application based on Android and iOS. In this case, you can submit applications and check transactions from your smartphone.
Open an account and start investing in Sberbank
Sber clients can submit a remote application to open a brokerage account or IIS through the Sberbank mobile application:
- Launch the Sberbank application.
- Go to the "Investments and Pensions" tab.
- Determine what kind of account you want to open - brokerage or IIS. Remember that if you already have an IIS from another broker, you cannot open a new one, unless you plan to transfer it to Sberbank for servicing.
- Click the "Open Account" button.
- Determine your investment profile. To do this, take the test developed by Sber experts.
- Select the tariff - “Independent” or “Investment”. The first one is more suitable for beginners and investors who do not need additional advice. If you skip this step, the broker automatically sets the “Investment” tariff.
- Install the SberInvestor or Sberbank Investor application. The first is newer and wider in functionality. If you are not ready to start investing right away, install the demo version, where you can study the application and get acquainted with the possibilities for 30 days.
- Explore the Other, My Accounts, Market, and Bank Analyst Insights tabs. Search for securities by company name and ticker symbol, analyze performance, quotes and make trades.
- After completing transactions, view the information in the “Orders and Transactions” section.
To view broker reports, launch the desktop version of Sber.
Advantages and disadvantages of the SberInvestor application
The Sber broker does not have a single account for all Moscow Exchange markets. To buy shares and currencies, you need to deposit money into different accounts - for transactions on the stock and currency exchanges. If you mix it up, you will have to transfer the amount to another account.
| Advantages | Flaws |
| Intuitive interface that is easy for beginners to understand | Little functionality, therefore not suitable for traders and active investors |
| You can determine your risk profile and, based on this, select more suitable investment instruments | No access to the St. Petersburg Stock Exchange |
| With IIS, coupons and dividends can be transferred to a bank account and disposed of immediately. Not all brokers have this option | The application often freezes or does not allow a transaction to be completed, then clients lose the opportunity to buy or sell an asset at the best price |
| Access to a large number of tools and the ability to choose between independent and trust management | You cannot buy currency for 1 unit |
| The widest network of branches and representative offices throughout the country. Therefore, if you have any questions and cannot resolve them remotely, you can contact your nearest office and get a personal consultation | Support does not work promptly, so some issues may not be resolved in time when it is most needed |
A separate plus is that all Sberbank clients can apply to open a brokerage account remotely.
A separate disadvantage is that there is no information on dividends from shares and coupons on bonds. Probably, the developer will correct this defect and then SberInvestor will become more informative for clients.
How to work with the account?
After a brokerage account is opened, you need to download and install a special program on a working device with Internet access.
From phone
To make transactions from a smartphone, you need to download the Sberbank Investor software application.
When authorizing, the login - the name of the account - will be the brokerage account number, which can be viewed in Sberbank Online. The password will need to be requested from the contact center by calling 88005555551 and sending the code from the investor table to the operator via email.
From computer
If a personal computer is selected as the workplace, you will need to install another program - QUIK. Designed for trading by more experienced investors, as it presents a wide range of financial instruments, as well as the ability to track the dynamics of trading in company shares on charts.
To log in to QUIK as:
- the login will be the brokerage account number;
- password - the password received via SMS at the time of opening a brokerage account.
Training for beginners
Before you start investing through Sberbank Investments, complete the training.
The course consists of 13 lessons developed by Sber experts:
- “Money makes money” - how it works.
- What is the best way to deal with money?
- How much money is needed for investment and where to get it.
- How to set goals for your investments.
- Invest in shares.
- Invest in bonds.
- How to invest in almost everything at once.
- Create a strategy that will lead to your goal.
- Collect a portfolio of securities in accordance with your strategy.
- Make your first investment.
- Get more income and reduce risks.
- How to live if you are an investor.
- What taxes will you need to pay?
It will take 45 minutes to complete all lessons. All reviews and investment ideas for newcomers to SberInvestments are available on a separate website, Intelligibly about Investments.
What are bonds
Another type of securities that can be purchased through Sberbank’s investment service are bonds. They are significantly different from stocks, but at the same time they are also a powerful income tool.
At their core, bonds are promissory notes. The advantage of bonds is that the company whose bonds the investor purchased is guaranteed to return a certain amount. This way you can know in advance exactly what the amount of income will be.
In some cases, you can even purchase bonds of state enterprises or borrow money from the state itself or municipal authorities. Similar measures are being taken to cover debts in the budget.
The repayment period for bonds can range from several months to five years or more. According to the repayment period, securities of this type are divided into short-term, medium-term and long-term.
There are also bonds with free circulation, which can easily be resold to another person, or those whose turnover is limited for a certain period of time.
Some securities are considered secured (such bonds have a guarantee of payment, for example, in the form of collateral), some are considered unsecured (if there are any problems in the work of the company whose unsecured securities you bought, it will be almost impossible to get a refund.
A separate type is subordinated unsecured securities. The owner of such bonds is the last to claim payment of funds - after the owners of secured and unsecured securities of this enterprise.
Bond trading also takes place on the stock exchange. There are two ways to generate income - through the return of funds with coupon income or through bond speculation. Through Sberbank you can buy securities of the Moscow Exchange stock market.
Eurobonds occupy a special place among the securities that you can buy through Sberbank. These are securities that are denominated in different foreign currencies. They have advantages over Russian bonds. Such securities, as a rule, have a higher coupon income and are more stable, since they do not depend on the ruble exchange rate.
Tariffs for investors
Sberbank has two tariffs for investors:
| Type of service | Independent | Investment |
| When the volume of transactions on Exchange stock market is up to 1 million rubles, the percentage of turnover per trading day excluding trading system commissions | 0,06% | 0,3% |
| With a turnover of 1,000,001 – 50,000,000 rubles | 0,035% | 0,3% |
| Over 50,000,001 rubles | 0,018% | 0,3% |
| When the volume of transactions on foreign exchange market is up to 100 million rubles, the percentage of turnover per trading day excluding trading system commissions | 0,2% | 0,2% |
| Over 100 million rubles | 0,02% | 0,2% |
| When the volume of transactions on Exchange derivatives market is up to 100 million rubles, the price per contract does not take into account commissions of the trading system for making derivatives transactions | 0.5 rubles | 0.5 rubles |
| For forced closure of positions on the derivatives market | 10 rubles | 10 rubles |
| Commission for submitting an order to a broker by phone is up to 20 grand per month | For free | For free |
| Commission for submitting an order to a broker by telephone is over 20 grand per month | 150 rubles for each | 150 rubles for each |
| Analytical support for investors | No | There is |
The investment tariff is more suitable for investors who need qualified broker support and access to analytics.
Is Sberbank Investments suitable for beginner investors?
Broker Sberbank is one of the best for novice investors. According to Moscow Exchange data, as of September 2022, more than 5 million clients have opened brokerage accounts with this company. This is the second Russian broker in terms of the number of clients after Tinkoff Bank JSC.
You can invest through Sber from any amount. Even with a few hundred rubles, you can dive into the topic and buy your first assets.
Sber has some of the lowest commissions compared to its closest competitors if you choose the “Self” tariff. Opening, maintaining, replenishing an account and withdrawing funds is free. All operations on the Moscow Exchange markets can be carried out remotely. You can top up your account or withdraw money from Sberbank Investments in the mobile application and bank branches.
The amount of investor earnings through SberInvestments is not limited. But it is very important to remember that investments in the Russian Federation are not insured, unlike bank deposits, so even trust management does not guarantee profit.
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about the author
Klavdiya Treskova - higher education with qualification “Economist”, with specializations “Economics and Management” and “Computer Technologies” at PSU. She worked in a bank in positions from operator to acting. Head of the Department for servicing private and corporate clients. Every year she successfully passed certifications, education and training in banking services. Total work experience in the bank is more than 15 years. [email protected]
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How to close a brokerage account in Sberbank Online?
It is worth keeping in mind that profitable investing is a long process. That is why it is recommended to invest free capital for a long period. Since servicing a brokerage account is free, it is better to leave the account open unless you need money urgently.
But it may happen that the initiative to terminate the contract will come from Sberbank. The reasons may be different, for example:
- the investor violated the terms of the contract;
- no turnover for a long time - more than 12 months;
- insufficient funds in the brokerage account to fulfill the terms of the agreement.
In this case, you must close the account. It is better to complete this procedure through Sberbank Online:
- Log in to the remote banking system using your login and password.
- Select the “Deposits and Accounts” section of the top horizontal menu.
- Activate the “Close deposit” item.
- Fill out the electronic application form.
- Confirm the operation.
- Check that the entered data is correct.
- Click Continue.
- Receive a one-time code via SMS.
- Enter in the field provided.
- Click Continue.
- Receive an on-screen notification of a successful operation.
- Save the document electronically, or better yet, print it.
If, in addition to the main account, an individual investment account is opened, then before closing the IIS:
- sell securities;
- submit an order to withdraw money;
- wait for the money to arrive on your balance;
- withdraw funds.
Comments: 2
Your comment (question) If you have questions about this article, you can tell us. Our team consists of only experienced experts and specialists with specialized education. We will try to help you in this topic:
Author of the article: Klavdiya Treskova
Consultant, author Popovich Anna
Financial author Olga Pikhotskaya
- grandfather Mazai
01/04/2022 at 02:15 Why can’t I get through to the broker?
Reply ↓ Anna Popovich
01/06/2022 at 02:02Dear author, we recommend contacting customer support by phone 8-800-555-55-50.
Reply ↓
