Investing money means receiving income from your investments. The simplest and most reliable investment is a bank deposit, but it has minimal profitability. Sberbank has developed an application for buying and selling securities on the Moscow Exchange. It is called “Sberbank Investor”. This option is suitable for both beginners and will help them get comfortable in the complex world of investments, as well as for professionals who have been trading on stock exchanges for a long time. We'll tell you how to invest in Sberbank using the Sberbank Investor application, and what conditions are offered.
Why should you choose Sberbank for investment?
Investment is investing money with the goal of making a profit. You can invest in stocks, bonds, real estate, and currency. Simply putting money into an interest-bearing account is also an investment.
Every citizen of Russia from the age of 18 can begin the journey of an investor. To do this you need to choose a broker. A broker is the one through whom you will make your money transactions. Sberbank is just a broker. A brokerage account is your wallet where your assets are stored.
Investing in Sberbank is easy, even if your financial knowledge is minimal. Sberbank has a lot of different investment projects. You can choose a ready-made solution; you don’t have to monitor quotes or calculate interest on taxes. The broker does all this for you.
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 services are available to investors in Sberbank?
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With Sberbank you can trade on the stock and foreign exchange markets, buy and sell shares and bonds in foreign currency, have access to futures and options (these are risky assets for savvy investors).
In total, Sberbank offers seven types of services for investors:
- shares of Russian companies on the Moscow Stock Exchange;
- bonds of Russian companies;
- commodity futures;
- option contracts on futures, stocks, stock indices and foreign currencies;
- transactions with Eurobonds on the over-the-counter market;
- shares of foreign companies (USA, Europe);
- investments by economic sector - ETF.
Disadvantages of the application
- No access to the St. Petersburg Stock Exchange
- Very simplified charts - you won't find any Japanese candlesticks
- There is very often no news about companies, even if they are large companies
- The application periodically freezes, kicks you out of it, and resets all data on brokerage accounts
- Support is slow and sometimes doesn't work at all
- There is no data on dividends and coupons - neither on those received, nor on the company in general. This is not covered at all
- Lack of a single account for all sections of the Moscow Exchange
- It is not possible to buy currency in fractional lots
Sberbank Investments: taking the first steps
Where to start and how to make money? Where to invest money in 2022? The first step is to become a client of Sberbank and open an account. You can invest with Sberbank through a regular brokerage account or through an individual investment account (IIA).
Invest the easy way. Why do you need IIS - we explain it in kittens
It is important to understand that a feature of Sberbank’s investment deposits is their unpredictability. The result of investments can be large profits and tangible capital, or it may happen that your expectations of getting into the top of the richest people in the world will be in vain. The official website of Sberbank states that the average minimum income for an investor will be 8% with a low level of risk.
Investment income consists of two things: dividends (part of the company's profit that is distributed among shareholders) and profit from the sale of securities (the difference between the sale and purchase prices).
conclusions
The Sber broker failed to charm me. It seems to me that for most people this is not a very convenient service.
Sber has not only an application, but also a QUIK terminal. QUIK is a rather complex terminal. For beginners, it will definitely look scary.
I think that Sber as a broker may be of interest to people who strongly advocate for the reliability and safety of capital, as well as people who are not very interested in investing in the American stock market. If you are such a client, then why not?
Also watch our latest video on YouTube:
How to open a personal account in Sberbank
Each Sberbank client can create his own personal account. This can be done at the bank office, on the website, from a terminal or ATM.
You need to go through the registration procedure, for which you will need a valid Sberbank bank card and mobile number.
Investment strategies: what is portfolio rebalancing
On your computer, go to the Sberbank website, click on the “Registration” button, in the window that opens next, indicate your phone number and card. After this you will receive an SMS with a code. We enter it in a special column. We get to the page for login and password. We come up with them, and also enter your email address here. We are completing registration.
We insert a bank card into the ATM or terminal, enter the PIN code, and request printing of the ID and password. The ATM will give you a receipt with details for accessing Sberbank via the Internet.
If you are not comfortable with the Internet, go to the bank office. The employee will do everything himself. Don't forget to take your passport with you.
Table. Commissions and tariffs
Be careful, there have been changes to the “Independent” tariff from February 1, 2022.
Fees for online applications. Percentage of turnover for a trading day, excluding accumulated coupon income (ACI) and trading system commissions (TS).
| Tariff "Independent" | Tariff "Investment" | |
| For transaction volumes up to RUB 1,000,000 | 0,06 % | 0,3 % |
| 1 000 001–50 000 000 ₽ | 0,035 % | 0,3 % |
| 50,000,001 ₽ and above | 0,018 % | 0,3 % |
Fees for applications submitted by telephone. Percentage of turnover for a trading day, excluding accumulated coupon income and trading system commissions.
| Tariff "Independent" | Tariff "Investment" | |
| For transaction volumes up to RUB 250,000 | 0,3 % | 0,3 % |
| 250 001–1 000 000 ₽ | 0,06 % | 0,3 % |
| 1 000 001–50 000 000 ₽ | 0,035 % | 0,3 % |
| 50,000,001 ₽ and above | 0,018 % | 0,3 % |
When buying and selling exchange-traded mutual funds and ETFs with standard terms of circulation in the TS FR IB, no commission is charged.
Commissions when trading on the foreign exchange market. Percentage of turnover per trading day, excluding trading system commissions.
| Tariff "Independent" | Tariff "Investment" | |
| For transaction volumes up to RUB 100,000,000 | 0,2 % | 0,2 % |
| 100,000,001 ₽ and above | 0,02 % | 0,2 % |
Commissions on the derivatives market of the Moscow Exchange. Price per contract, excluding trading system commissions.
| Tariff "Independent" | Tariff "Investment" | |
| For making forward transactions | 0,5 ₽ | 0,5 ₽ |
| For forced closure of positions | 10 ₽ | 10 ₽ |
Commissions on the over-the-counter securities market (TS OTS). Percentage of turnover for a trading day, excluding accumulated coupon income.
| Tariff "Independent" | Tariff "Investment" | |
| Purchase of any instruments, with the exception of structured notes and structured bonds | 0,17 % | 1,5 % |
| Sale of any instruments, with the exception of structured notes and structured bonds | 0,17 % | 0,1 % |
| Purchase of structured notes and structured bonds | 1,5 % | 1,5 % |
| Sale of structured notes and structured bonds | 0,17 % | 0,1 % |
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 ↓
How to open a brokerage account
The easiest way for a novice investor is to open a brokerage account with Sberbank Online. Here are the step-by-step instructions. Go to the “Other” tab and click the “Open brokerage account” button. The account is opened for free.
7 steps to choose a broker for investing in the stock market
If you don’t want to use your mobile phone , start trading through the QUIK platform. To do this, open an account on the website in your Sberbank Online personal account.
We find the “Investments” section, then “ Brokerage services”.
Click the "Open Brokerage Account" button. Then choose a market. Stock and currency are already on the list. In addition to them, you can select “Urgent” (just check the box next to it). Then you will be able to trade futures and options through Sberbank.
You can agree or refuse the overnight service . With this option, other clients of the broker will be able to borrow your shares. As a result, you can make a profit, but you can also go broke. There is some risk here. If the service is not needed, check the box next to the words “Do not post.”
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Next, fill out the traditional data: country, citizenship, passport, phone, email. Click on the “Sign the application” button. In a day or two you will receive an SMS about opening a brokerage account and an email.
There is no minimum threshold for entering the exchange at Sberbank. You can open a brokerage account with a zero balance. But to start trading you need to deposit at least 1,000 rubles into your account.
Benefits of the application
- SberBank Investor is a fairly intuitive application. There is little functionality here. For novice investors, it is not so difficult to understand. You can buy Sber shares, bonds or investment bonds in a few buttons
- There is risk profiling - determining risk appetite. You can take the test, chat with the bot and have a little fun
- Form W-8BEN can be filled out in your personal account on the SberBank Online website. This will allow you to pay only 13% taxes on dividends on American stocks. The process of confirmation and acceptance by the bank of the form takes one day
- Sber has the opportunity to transfer dividends and coupons from an individual investment account to a bank account. Then you can transfer them to your IIS from the bank again. This will be considered a new addition
- Sber has a fairly large network of branches throughout the country. This is convenient in that you can:
- top up your account at any time if you want to do it live
- withdraw money
- find the right ATM
How to choose a tariff for investing with a minimum commission
Before you start trading, you need to choose a tariff for servicing your brokerage account. Sberbank offers a choice of two tariffs. When registering a brokerage account, the default setting for everyone is “Investment”. However, this tariff is actually suitable for advanced investors. They charge a higher commission for it. For transactions up to a million rubles, the commission is 0.3% of the transaction amount.
For a beginner, it is better to choose the “Independent” tariff. There is no account maintenance fee. The commission for transactions on the stock market up to a million is 0.06%. Plus, for all transactions, you will have to add another 0.01% to this amount. This is the exchange commission.
Trading on the foreign exchange market is more expensive. A percentage is taken from the amount you traded per day. According to the investment tariff it is 0.2%, according to the independent — 0,02 %.
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On the derivatives market of the Moscow Exchange they charge a fee per contract. This price is the same for both plans. For each forward transaction you pay 50 kopecks, for forced (at the broker’s initiative) closing of positions - 10 rubles.
In the over-the-counter market, the commission is also taken as a percentage of the daily turnover. For an independent tariff when purchasing bonds, the commission is 0.17%, for an investment tariff - 1.5%. When selling, the numbers will be the same - 1.5%.
Important! Your savings are in a deposit account. This is a real account (as opposed to a demo account). The broker charges 149 rubles per month . If there were no transactions, they take nothing.
It is convenient to withdraw money from a deposit account to Sberbank cards. There is no commission. If you transfer them to a card of another bank, you will be charged a 2% commission on the transfer amount.
Pros and cons of the service
Sberbank Investor opens up the opportunity to make investments for beginners and novice investors. But it has a number of advantages and disadvantages, like any financial service. They must be taken into account.
The main advantages of the service from Sberbank
- High reliability of the broker. Sberbank has a tremendous opportunity to enjoy state support and the likelihood of its bankruptcy is almost zero. This plus is especially important given that money in brokerage accounts is not insured.
- Easy account opening. If you have any Sberbank card, you don’t need to go anywhere, and you can arrange everything remotely.
- Possibility to open an IIS. It allows you to increase your income and there is no point in refusing this opportunity. Many Russian investors can take advantage of this advantage.
- Fast account replenishment. In the application, money is usually displayed within a few minutes after sending a transfer from online banking from the largest bank in the Russian Federation.
- Possibility to withdraw money to Sberbank without commission. In addition to this plus, funds are received into the bank account quite quickly.
Cons of the product
- Quite expensive service. It is with this minus that the largest number of complaints about the service are associated.
- No access to the St. Petersburg Stock Exchange. Sber does not offer the opportunity to conduct transactions on this platform, and an investor will not be able to buy foreign shares on it.
- There is no order book. Because of this disadvantage, the investor cannot quickly assess the volume of supply and demand, which is especially important for transactions with bonds.
How to install Sberbank Investor and trade on your phone
You can use the Sber Investor application even if you are completely new to investing. If you are scared to start real trading, you can practice on a demo account with a broker. Demo = demo. This is a training account with gaming rubles, where you will learn how to work with securities correctly and well and earn income. You can use it immediately after installing the application on your smartphone for 30 days.
Download the application to your smartphone via Google Play or App Store. For the application to work in full force, you need to fill out an application on the Sberbank website and send it to the broker. The bank will call you and invite you to the office to sign an agreement for brokerage services.
Along with the agreement, the broker will give you a login and password to log into Sberbank Investor. After entering the data for the first time, click the “Save password” button, next time you will log into the application automatically. If desired, the password can be changed. You can also change the settings, for example, change the tariff.
Attention! This can only be done from a computer.
Go to “Sberbank Online”, open the “Other” tab, then “Brokerage Services” and “Account Management”, then “Tariff Plan”. Click the “Edit” button and change the tariff to the desired one. After this, an application to change the tariff will be generated. An SMS with a confirmation code will be sent to your phone. We enter the code and receive a notification that the application is under consideration. In two days the tariff should change.
To start trading, on Android you need to enter two codes from your scratch card (the broker at the bank will give it to you). For iPhone, a special code will be sent to you via SMS. Charts and loading of quotes in Sberbank Investor do not lag behind real trading, the main thing is that the Internet does not let you down. In the “My Accounts” tab you will find your portfolio. Your money and shares will be displayed here.
Important! In the “Other” tab and read the FAQ (frequently asked questions) you will find a lot of useful information for a beginner.
Opening an account
Opening a brokerage account
When opening a brokerage account, the risks of investing are emphasized. Sber reminds:
“The money in the brokerage account is not insured by the DIA.”
The Central Bank forces brokers to be more responsible to clients. And this is good!
Tariff selection
Click on the “Open account” button. Here the first trap awaits us - choosing a tariff. By default, we are given the “Investment” tariff. This tariff from Sber is quite unprofitable. Therefore, we change the tariff here to “Independent”.
When registering a brokerage account, you will be asked to prohibit or allow Sber to use your securities for repo transactions. It would be advisable to refuse this. Then you will not lend your securities to the broker. This increases their safety. Yes, you can earn a few percent profit per year on this, but the risks increase significantly if the broker has problems.
In one of the next steps, you will be able to allow or prohibit the use of borrowed funds for yourself. If you are a novice investor, prohibit it. You don't need margin trading.
The Central Bank should soon regulate and prohibit margin trading for beginners.
How to buy or sell a stock
How to buy shares
To buy a share, go to the “Market” tab. Here you will see quotes for all major instruments: stocks, bonds, funds, currencies, over-the-counter market.
When you select a stock, you will see the price and information about it. Click “Buy”. We are waiting for a confirmation SMS. We write the transaction amount and confirm the purchase. Money for the purchase will be debited from the brokerage account. To do this, you first need to put them there.
How to sell shares
Open the “Orders” tab, there will be information about the completed transaction. And in the portfolio you will see the stock itself. The selling procedure is the same as purchasing, only instead of “Buy” we click “Sell”.
How to close a brokerage account
You can terminate the brokerage service agreement in the Sberbank Online application or at the bank office. In Sberbank Online, go to the “Investments” section, then to “Brokerage Services”. Select an active brokerage account and click “Close”. We confirm the operation and send the money from the account to the card or account you need.
If you decide to go to the office, take your passport. At the bank branch you will be asked to fill out an application with a closure order. The request will be considered within 5 days. When the decision is made, you will receive an SMS.
Important! When closing an account, all pending transactions are automatically terminated, and the account itself will be closed within 2 business days. You will receive a certificate of income one month after closing the account.
What ready-made strategies does Sberbank offer?
IIS with ready-made strategies is now the most popular at Sberbank. The reasons are clear: an account with a remote control does not require any special competencies from the investor - you just need to choose a strategy, and then the experts will do everything. The number and content of strategies at Sberbank are constantly changing (those that are no longer valid are archived). Below we will consider only current strategies.
Cumulative - in bonds
A safe strategy for investors who do not want to take risks. By connecting one, you will not earn much, but with a high degree of probability you will save your savings and even increase them.
- The strategy's investments are in government bonds of the largest companies in the Russian Federation.
- Investments in bonds - through the purchase of mutual fund investment units.
- The goal is to obtain a return higher than the deposit one due to coupon income, an increase in the exchange rate, as well as operational portfolio management.
- Suitable for investors over 18 years of age with an income level of RUB 50,000 or more. and spending - up to 50,000 rubles.
Where can an individual invest money in Sberbank
Sberbank has many ready-made investment solutions. If you don’t want to delve into all the intricacies of investing , don’t. Choose open-end mutual investment funds (OPIF) - whole sets of shares of different directions.
Or open an individual investment account.
Think about your future pension. In this case, invest in an individual pension plan (IPP). With him there is no risk of going into the red. By law, the plan's return cannot be negative. They also receive a 13% tax deduction.
What is the minimum threshold for entering the exchange?
There are no entry restrictions. The very procedure for concluding a brokerage agreement shows that they are ready to open the gates of the exchange for anyone who has enough gray matter in their head to open an account. He is ready to become an intermediary between the exchange and you, even if you only have a pension of 12,000 rubles on your card.
The broker is interested in attracting a large number of clients. Even if they don’t start trading right away. The main thing is to open a brokerage account!
But don't be scared!
The broker pursues its own goals, and we have our own individuals. Therefore, you need to use this opportunity, because not all brokers have a minimum entry threshold. Sberbank does not have such a threshold!
IIS
An individual investment account allows you to earn money on investments as in a regular brokerage account or can become an alternative to a deposit. A big plus is that on investments you can get a tax deduction of 13% of the investment amount for the year. Maximum 52,000 rubles, if you top up your account with 450,000 rubles. You will also receive about 5-8% income. Thus, your average annual income will be about 18–21%.
An individual investment account is opened for a minimum of three years; funds cannot be withdrawn.
Taxation of individuals
Income received from investments on the stock exchange is generally taxed at a rate of 13%. In most cases, the broker will withhold and pay the tax to the budget. But in some situations the client must do this (for example, if the withdrawal order was generated on the 2nd day after the sale of the asset).
When using an IIS, a Russian tax resident also has the right to use one of 2 types of deductions - for the entire income or for the amount of contributions.
Investments in precious metals
Coins, bars and bills are all long-term investment vehicles. Sberbank has more than 2,800 commemorative coins. You can select them on the website. There are also investment coins; they can be bought or sold at bank offices. Transactions with coins, unlike bullion, are not subject to VAT, and no certificates are required for their sale.
Not everything is gold: how to profitably buy precious metals and what does impersonal metal accounts have to do with it
The bank buys such coins in any condition, even with scratches and without capsules.
You can open an impersonal metal account and start by purchasing just 0.1 grams. The metal is stored in an account and can be sold at any time. You can buy gold, silver or platinum bullion starting from the purchase of 1 gram. Historically, metals have always gone up in price. For example, gold has doubled in price over the past 10 years.
Funds
You can invest in mutual funds or ETFs - ready-made investment funds that invest investors' funds in several instruments at once.
A mutual fund is a fund whose investors are the owners of shares in the property depending on the size of the shares. ETF is a fund whose shares (units) are freely traded on an exchange. Unlike mutual funds, ETF shares can be freely bought or sold on the stock exchange. The commission for purchasing mutual funds is higher than in the case of ETFs.
Customer Reviews in 2022
Many investors who have experience with the Sberbank Investor application evaluate it positively. They note fairly convenient operation, tolerable fees when using the “Independent” TP, and the availability of all the basic tools at their fingertips from their phone. Clients are also attracted by the opportunity to open and work with an IIS at Sberbank.
Negative reviews of the application are found in small numbers. They are mainly associated with not the fastest support work, as well as with technical problems that a particular user has encountered.
The Sberbank Investor service is an excellent option for an investor who is not yet ready to deal with the interface of full-fledged terminals. It allows you to work with all the main tools and has a fairly clear interface. A big advantage of the service is also the ability to open an individual account and the high reliability of Sberbank itself.
Investing in shares
You can buy individual stocks that are listed with your broker. When you buy a share of a company , you become a co-owner of the share, which means you have the right to receive dividends. Shares can be sold at a better price and make a profit on the difference from the purchase price.
When investing, it is important to pay attention to the degree of risk. When trading through Sberbank Investor, you can select its level:
- low - worth choosing if you are not knowledgeable about investments. If the level is low, you will be offered, for example, to invest in bonds;
- moderate - the level assumes a potential income of 10%;
- high - income from 15%. The investment period will be from 3 years.
Unlike a deposit, shares can be sold or received profit in the form of dividends. The main thing is to understand what will be most profitable and optimal for you. You can make a significant profit by buying shares at one price and reselling them at a higher price. Or you can buy and just wait for the reporting period, checking the dividend calendar to get your profit.
What you need to do to trade through Sberbank
I have never seen a simpler procedure for opening an account than in Sberbank. But, of course, it is advisable that you have some kind of deposit or card in this bank. I opened a brokerage account online with Sberbank and immediately received a brokerage agreement number, which is needed to set up the same Sberbank-investor. And the next day I received an SMS on my phone with a password.
It turns out that in order to trade through Sberbank, we need a bank account and a smartphone. You don't even need a computer. No, of course you need a computer.
But at Sberbank you can already trade through the small screen of a smartphone through the Sberbank Investor application.
Sberbank Investor application on a smartphone
I don’t think this is a good option for trading, but it does exist. Personally, I don’t like trading through an app. It would be better if he didn't exist. Not only are people already under the illusion of easy money, but they also have access to markets via a smartphone. And now everyone has a smartphone. It is unlikely that anyone will study and understand. Everyone immediately wants millions to improve their lives.
To trade on the stock exchange through Sberbank, it is desirable, but not required, to have an account with this bank.
You can use a computer and a smartphone (tablet) to trade. Can be used together, or separately.
You don't need to be an individual entrepreneur. The broker works with individuals and reports taxes for them himself.
Deposits in Sberbank: guaranteed investments with protection
If risk is not your thing and the word “investment” makes you cringe, stop at deposits. Yes, this is also an investment, and a risk-free one, a kind of protection of your funds. You will take back as much as you put in, plus interest accrues. The process of registering an investment deposit will not take much time.
Today Sberbank has a number of deposits:
- “Save” (you can top up your account and withdraw money at any time);
- “Replenish” (replenishment only, withdrawal is not possible);
- “Multiply” (you can neither replenish your account nor withdraw from it).
There are special deposits for pensioners and even investments for schoolchildren.
If you want to take care of the future of your children, open the SberKids deposit . The deposit is opened in the name of the child, and all the money in the account is his.
From the age of 14, a child can withdraw interest on the deposit, and from the age of 18, use the entire amount. Such a deposit cannot be seized. When parents divorce, money is not divided. The contribution can be replenished by the child's grandparents. An account can be opened in rubles or dollars. The initial amount is 1,000 rubles or 100 dollars. You can top up your deposit with any amount and at any time. The rate is 2.9% in rubles and 0.4% in dollars.
If you are interested in the question of where to invest money at interest for pensioners, pay attention to the “Pension Plus ” deposit. The deposit rate is 3.67%. To open an account you only need 1 ruble. The deposit period is 3 years with the possibility of replenishment.
Closing an investment deposit is as easy as opening it. However, if you violate the terms of the deposit, you can lose interest.
Pros and cons of investing through the broker Sberbank Investments»
| pros | Minuses |
| The broker has a large network of branches throughout the country. | A significant drawback of the broker today is that its clients can only trade on the Moscow Exchange not on the St. Petersburg Exchange . |
| It’s always quick and convenient to withdraw or deposit money into your account and connect additional options. | The forecast may not always be justified. It is a mistake to rely only on letters of recommendation from a broker when purchasing securities. You will have to analyze the product yourself, study the news, prospects, reasons for the rise or fall in the value of securities. |
| Sberbank has many ATMs. | If you look at the reviews of real investors, you can see that it is difficult for beginners to understand the program , and the support service is not always responsive to questions. |
| Clients have the opportunity to terminate the brokerage agreement early. | |
| You can take out *insurance with the opportunity to earn money on investments and save your initial payment. |
*"Online Income Course" is a program that combines life insurance and investment in securities, while completely eliminating the risk of loss of invested capital. You decide how much and for how long you want to invest, and choose the strategy that suits you. Part of the amount works to protect your contribution, and part of it works to generate income.
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.
Additional options from Sber
Record the income received . If you invest with Sber, then at any time, as soon as you receive your first profit, you can fix its size. Then no circumstances will change the amount of income.
Change fund. If a more profitable investment program appears, you can change the fund and keep the funds already received in your account.
Manual fixation. Income from shares or dividends allows you to increase your profit in the future.
Get a share of the income . If an insured event occurs, you can receive part of the profit before the end of the investment period.
Autopilot. On the investment account, you can independently specify the parameters that record the funds received from the deposit.
Increase the deposit amount. During the year, you can add funds to investments (the amount of replenishment per year is limited to a million rubles).
You can use these options in the Sberbank Investor application or on the bank’s official website.
Demo account with broker Sberbank
Here's two news for you:
Broker Sberbank as of January 2022 does not have the service to open a demo account in the QUIK or Webquik program.
But you can open a demo account in the Sberbank-Investor application.
Although, in my opinion, a demo account with Investor is useless. For me, if you put on a demo, it’s to get acquainted with the functionality of the application itself. I did so, but then deleted it.
Trading through the Sberbank Investor application is a direct drain of capital!
I can’t even imagine how you can sleep peacefully while placing orders there blindly, relying on some kind of non-information graph in a small smartphone window.
