How to earn money by investing in a mutual fund. Share investment funds: what can you earn on them? Mutual investment fund pros and cons

Your pluses and minuses. Let's take a look at the report on the shortfall of the PIF from the investment point of view.

PIF Pluses: Advantages of Mutual Investment Funds

Mutual investment fund secures advances for investors equal to investments through a broker:

availability, oskolki sum іnvestitsіy mozhe pochinatysya vіd 1-3 yew. krb.;
diversification of investment risks to create minimal investments;
hard control over activities on the side of the state;
prozora infrastructure: the funds of the funds of the bankers of the Kremlin from the funds of the relevant company are taken from the specialized depository;
the fee for subsidizing current operations to the fund (the fee for a daily contribution from the surplus), the payment of the surplus tax for the surplus is less likely to be done by the investor and less for the sale of the share. It is clear that up to the dignified legislation, the shareholders themselves pay tribute at the time of the sale of the share. Under the hour of the volodinnya, the shares of tax payments will not go through;
professional care;
high pay (for open-ended PIFs);
the possibility of paying in stages for a share of the hour of work for the scheme for a weekly capital.

Minusi PIF: Shortfalls of mutual investment funds

The highest risk is in the case of financial instruments with fixed income and legislators guaranteeing the return of funds - deposits, high-rated bonds. However, PIFs that invest less in high-rated bonds and bank deposits (penny market funds), for diversification money, can be a tool for additional capital gains (risk reduction).
Dodatkovі vitrati for issuing and saving investment certificates.
Vineyards that are constantly crying relevant companies navit at the moment, if the fund knows the zbitkiv. Rosemary of wine and kolivaetsya no more than 0.5% to 5% net asset value fund.
Often for vіdkritah PIFіv legislation imposes an exchange of funds, such as shares and bonds can be bought by the fund manager. A private investor does not have such margins.
For vіdshkoduvannya vitrat, po'yazanih z vidachyu and redemption of investment shares, keruyuchi companies to introduce discounts and allowances.
Surcharge- tse koshti required by the company to be an agent to add to the cost of shares for її vidachі. The amount of the allowance cannot exceed 1.5% of the share.
Znizhka- all the fees charged by the company as an agent for the cost of shares for її repaid. The increase in the reduction cannot exceed 3% of the share.
One and the same fund can make a difference and allowances, depending on what kind of agent the operations are being carried out.
As soon as there is a protracted fall in prices, then the management companies of the PIF will sell the shares in full, only part of the assets. , on the one hand, in view of the sever dotrimannya oumovlenoy in the investment declaration fund of the structure of assets (which allows you to transfer all assets in a penny form), on the other side, in this way, it may increase the liquidity of the market. Such a situation does not protect the capital of the money trader at the time of a collapse in the market. Private investors and managers in trust management may have the right to act more aggressively, allowing for the use of papers, which are cheaper, to those who are not in the hands of similar legislative norms. And tse, to the point, stimulates an even greater collapse in the market.

Books about PIF

Gerald Appel, Marvin Appel Peremogti: How to earn a leather quarter. "Short" investment strategies, Translated from English, ed. Borovkovy. - St. Petersburg: Peter, 2009 rіk, - 288 pages, ISBN: 978-5-388-00319-5; (Chapter 2, Two of the widest types of investment intermediaries, which are used during the creation of a diversified one: PIF i - page 60).

We will most easily and in an accessible way invest timchasov's free pennies є їх. The bank accumulates the funds of depositors and starts their turnover: you can see the credits. Let's take a profit from the bank to share it with depositors, whose money will be vikoristan, paying it is assigned to the contract of hundreds of wine-growers.

This way of investing may have two sources of shortfall. It is impossible to know the placement on the deposit of money by the client before the end of the term of the deposit without spending the money. That same rate for contributions is not much higher. Oschadbank accepts pennies at a maximum rate of 7.76%. Certificate to Oschadbank to bring more significant income (9.3%).

You can get more income by investing free pennies in stocks. However, there is a serious problem here. Investments in the shares of one enterprise or one of the galleys rarely give a surplus.

The market is known in post-yyny rus: prices for your own shares change throughout the day, month, fate. Moreover, it’s not enough to grow, but to fall.

In order for the results to have more or less permanent growth, it is necessary to form a portfolio of ten dozen shares, which can lie up to different galuzi. Under the hour of the collapse of the market, some shares will rise, others will fall, and a third will be lost on the spot. And the average result with the correct selection of shares will be positive.

A simple person does not know how to correctly choose the optimal set of shares for his own. That pennies for the pribannya of all the necessary shares simply cannot be used.

That kind of work is not required. Let the team of professionals take care of the portfolio forming. And a great person followed them, laying a path for them, adding a part to the mutual investment fund created by them ( PIF).

PIF accumulating funds of funds for transactions with securities. Selected resources add up HFA ( Variety of net assets), which is made up of a number of equal parts (paїv). The price of one share can be determined by dividing the HCA into the number of shares.

The keruuch company (KK) manages PIF pennies. The managers themselves designate the warehouse of the investment portfolio, buy and sell shares on the market.

If financial operations are successful, the investment portfolio is growing. Vidpovidno increase in HCA, and the price of one share is adjusted. If at the same time to withdraw from the PIF, then the difference between the old and the new price I share becomes an investment income, which can reach as many as dozens of hundreds of dollars.

The first place for pributkovistyu in 2013 roci having occupied PIF "Sberbank-telecomunikatsiy", which showed an increase of 56.89%. The amount of the share increased from 1965.55 rubles to 3083.80 rubles.

In this order, the obvious advantages of investing in PIF are:

The highest income from the bank deposit.
Possibility to withdraw from the PIF for an hour without wasting the income formed at the time of the withdrawal.

Up to the minus points of the PIF, it was necessary to zarahuvati to reach a high threshold for entry. Pridbannya first share koshtuvatime shonaimshe 15 yew. rubles (Sberbank). Buying the next share in the cost is cheaper (1.5 thousand rubles).

Rates for deposits on today's day will not be safe for investors with a profit margin. Tse Vede to the steady growth of the popularity of mutual funds. Don’t forget what the PIF is to give to the risky deposits. To that, up to the choice of the company that manages, the varto fits as much as possible. I especially commend the investment funds to Oschadbank for the credit of the reputation of the financial group that it has created. Let's guess that earlier fondi belonged to the oldest Russian investment company - Triyka Dialog. For that reason, Oschadbank added an investment company together with PIFs, and now the company is called Sberbank Asset Management.

In order to understand what to invest in PIF to Oschadbank, it is important to pay attention to the small share of such deposits.

Among the pluses you can see this:

Vіdsutnya nebhіdnіst nabuttya spetsіlіh znan. Suffice it to pay a share investment fund, and then the professionals will be penniless.
Saving a special hour. Tim, who has invested in Oshchadbank PIF, has no need to study yoga for market analysis. Do not happen to constantly follow the courses. Usіm tsim are engaged in keruyuchi fund.
The yield calculator allows you to evaluate the prospects of an investment in the online mode.
Simplicity of design. Enough to return to the office of Oschadbank with a passport and write an application for the purchase of a share. During the year of sales, I share that the cost of raising money is similar.
Hard control from the side of the state allows you to guarantee superiority. Zavdyaki strict regulation of all processes of funds, and obligatory licensing of the activity of a certain company, and the risk of spending money will be reduced again.
The minimum amount of contribution is at the lowest level. Buy a share pіd strength dermal. Sufficient mother kіlka vіlnih thousand rubles.
The donation payoffs are paid less at the time of taking the surplus. On the view of other assets (for example, non-robustness) capital, investments in shares, are not subject to.
High liquidity ratio of the open-ended PIFs. You can take away investments from them every working day.
Diversification of risk. Enough to bring a paї kіlkoh funds, schob mіnіmіzuvati rіven riziku. As a result, the investment portfolio will be stable for more changes in the market situation.

Irrespective of those that deposits in PIF to Oschadbank may have no personal advantages, you can see minuses.

The main nedolіk polagє in the presence of commissions. Traditionally, the shares are sold from the national tax, and are bought by the fund with a discount.
Closed fondies do not allow you to take back the bones if you need the stench.
Otrimati suttviy dokhіd vdaєtsya only to finish the tribal period of time. Invest more varto on the river.
The presence of a premium to the price when buying a share by an investor and a reduction in its sale.

PIF to Oschadbank, what

The leading company, which is to enter the Oschadbank group of companies, promotes one of the most attractive lines of mutual funds on the Russian market. For whom the management of deposits can be contacted through a special office. Here you can perform all the necessary operations, as well as monitor the dynamics of your investment portfolio.

For the right choice, it is important to understand that PIFs to Oschadbank in 2019 are roci (like and zavzhdy) are equal to cash flow and risk. Like other funds, the rule is that the greater profit, the greater the risk.

PIF of bonds

Apparently, bonds are valued by one of the least risky papers. Particularly worthy is the silence of them, as if they were released by the state. Among the PIFs in Oschadbank, chotiri are introduced to bond funds:

"Іllya Muromets" invests capital in bonds issued by the state, municipalities, as well as by the largest Russian companies. Investments in the names of the fund are low-risk. The profit for the remaining three years was less than 25%.
Another low risk fund is Global Borgo Market. The profitability of the share fund for the last 26 months reached 53.28%. Investments are made with currency bonds of foreign powers.
Irrespective of those who are risky when investing money with the Eurobonds Fund, they rebuy at a low rate, the increase in shares for the remaining three years may have reached 95%. The name of the PIF is clear, what you invest in Eurobonds.
The Risk Bond Fund invests capital in valuable papers, issued by Russian companies. Qi bonds are charged with increased cash flow for the average risk.

PIF of shares

Tim, whom the maximum profit of PIF in Oschadbank should be called for, varto increase respect for stock funds. When you don’t forget, scho fondi rises with a high degree of risk. Oschadbank PIF shares are being offered an even wider line:

"Dobrinya Mykitovich" invests its capital in the shares of Russian companies, as it may have a high growth potential, as well as sufficient liquidity. As a result, the profitability for 3 years approached 60%.
Dynamics of PIF Electric power industry for 36 months approached 93%. Such a yield can be achieved by investing in the shares of the electric power industry.
The Fund "Natural Resources" spreads the money between the shares of companies, which are used to remake the copalin lines, as well as to turn the fine steel. For 3 years, the yield was shown to be less than 87%.
The Fund for Shares of Businesses of Small Capital Investments invests coins and papers of domestic and foreign businesses. Attraction - 77% for 3 years.
Investments in PIF Oschadbank "Telecommunications and Technologies" gave depositors for the rest of 36 months not much profit - close to 38%.
The Fund for Active Management transfers re-invested its capital between liquid shares of companies that have a high growth potential, as well as cash. In the course of such management for 3 years, the number of shares increased by 46%.
The Spozhivchiy Sektor Fund invests in Russian and foreign companies that are dynamically developing, the income for 36 months exceeded 107%.
The Global Internet Foundation has given the opportunity to traders to win 76.5% in 3 years.
Fund "Financial Sector" distributes capital between shares of Russian and international banking, insurance, financial organizations.

Mutual investments

Reimbursement of investments in Oschadbank presented by the Balance Fund. You should be able to transfer capital between shares and bonds. At whom the spіvvіdnoshennia of valuable papers is changing. The average cost of the risk rises from the profit margin by about 65% for 3 years.

PIF funds

Most of the PIF funds transfer a high amount of money to the risk (vinyatok - the Zoloto fund). With this stink, show the improvement of the profit. Below is a direct look at the investment, as well as the increase in the amount of shares for 3 years for PIF funds.

Fund "Gold depositing capital" at ETF PowerShares DB Gold Fund. The profit has outweighed 23%.
The Europa Foundation is investing in the Ishares Eurostoxx 5 ETF. The profit margin is close to 24%.
Fund America invests capital in ETF SPDR S&P500. Prebutkovist - more than 77% troch.
The Global Machine Building Fund has an investment in the Vanguard Industrials ETF. A high risk of risk was called to the point that poioviki spent more than 2% on the cob.
Biotechnology Fund invests in iShares NASDAQ Biotechnology ETF. Vartist pay per river fell by 7%.
The Markets That Grow Foundation is investing in the Vanguard FTSE EM ETF. The profit for three years is up to 50%.

Close PIF (ZPIF)

In the sector, zbalansirovannykh deposit, in some rіven risk and pributkovіst perebuvayut on the middle rіvnі, see also ZPІFi nerukhomostі. Unfortunately, for the rest of the hour, all the fondies of the group showed a decrease in the number of shares. Prote stink merit for respect. This is explained by the fact that it is possible to judge the profitability of closed funds only when the business is completed.

The Foundation "Commercial Indestructibility" rozpodіlyaє koshti mizh ob'ektami, scho mayut potential growth vartosti.
Fundi "Zhytlova Nerukhomist 2 and 3" invest pennies in objects that will be on the territory of the capital and the region, which are sold at a discount. This year, at the time of closing, the fund will have a sale of yoga lane.
Fund "Orendniy biznes" invests in the warehouse security of the highest class. Income is accumulated from rent payments, and navittsionnoy increase varnosti pridbanih objects.
Fund "Orendny Business 2" transfers investments in high-class non-violent objects of the commercial sector.

In this rank, PIFI Oschadbank is directly promising for investments. With whom, it is important for mothers to uvazi, for the greater part of their tamanny high rіven riziku. First, lower, varto choose the best way to increase the supply of riziku. In addition, we will not take into consideration the opinions of clients, who have already been the fund's shareholders.

A share investment fund (PIF) is a financial instrument, which, in my opinion of an amateur, is gaining wraps at once. Banking practitioners are beginning to be strong enough to propagate to the citizens of a share of small PIFs to their daughters KK robots.

People, like falling rates for bank deposits, and omitting the propositions of the bank for the continuation of the deposit on a new term with a hundred percent rate, lower, lower stinks, they settled earlier, start worrying about those who don’t have time to place their money.

And here, the bank practitioner is giving a summary about those who, like a rich man, took off the money for 2016, added a share of that chi to the fund. Sound the stench of the truth to show more profitability of that fund (from the regular line, which showed the maximum income for 2016 rіk. І os hromadyanin, bachachi, which income is taken from the bank deposit, (and at the same time in the region 7-9%) and that income , which wine can potentially take away (it’s better for everything, I see people small dozens, otherwise it can be hundreds of hundreds of dollars in profits.) You can win the money to pay PIFu and contribute, in this rank, to our (or not only our) stock market.

Below, the table shows the statistics of the total volatility of net assets in the Russian Federation for the period from 01.01.2014 to the current hour.

	Total number of net assets in open-ended investment funds (million rubles)	Total number of net assets of interval PIFs (million rubles)

Based on the data, it can be shown that in another quarter of 2015, the number of net assets increased less and in two and a half years increased by over 100%.

No change in the ruble in 2016, no fall in the MICEX index in the first half of 2017 is not a problem.

Also, what are the main minuses of Russian PIFs??

1) PIF can radically change your investment profile. If you want to be included in one class of assets, in this way, buy a fund that invests in different assets, but then the fund is not funded for you, you can change your investment strategy and replace investments in one asset on other assets, yakі you will not be ticked.

So you can get a PIF, like investing in the shares of the great companies of Western Europe, and after some time you will tell that you are investing not in the shares of the companies of Western Europe, but in the shares of the companies of the country that are developing. Such a stock was exchanged for shares of PIF "Gazprombank - Western Europe", as of June 20, 2017, the shares were exchanged for shares of PIF "Gazprombank - India".

2) A lot of PIFs are based on the declared investment strategy or the declared benchmark. If you marvel at the profitability of PIFs for 2016, if you invest in gold, then we would like to know that all stinks showed a negative profitability. Only a few of them showed minus 5%, and others as much as minus 15%. The price of gold in rubles over the same period decreased by more than 9%.

3) High windfall, I said to be high windward for management.

The average amount of witrat, yakі incurring a share for managing the fund (with the arrahuvannyam witrat depository and others), we vary in the average from 2% to 4.5%.

Moreover, the rule is that the funds with a passive offensive, as the index is richly lower, lower for the funds, which is active, it is practicable to change from an active manager. So, the total amount of money spent by the passive funds that invest in the MICEX index is shown below:

4) A bank deposit can be in your account, so the depositor will take any income from the year (so there will be no force majeure with the bank). So, this income can be insignificant and far from being a win-win for inflation, but for the nominal expression, it’s a plus.

Wartist pay with an hour, maybe not only not grow, but probably not grow, and the profitability of the payovik, but also vartist pay may fall and still fall. High costs for management, as well as reductions and allowances for redemption and repayment of shares are acceptable to the fact that the shareholder has taken the minimum amount (and it can be taken without taking away the annual income).

5) On the basis of bank deposits of physical assets of PIF shares, they are not insured by the deposit insurance agency. Payowik has no insurance.

P.s. You don’t need to forget that the profitability was shown by the PIF earlier, but it does not guarantee the same profitability (otherwise, the profitability of the future may have been taken into account). Fahіvtsі, yakі proponuyut paї that chi іnshoy fund, as a rule, appeal to the income of the fund, like the fund otrimav earlier.

So, for the subbags of 2014, PIF showed the best profit, as they invest in the shares of foreign companies that gold. The devaluation of carbovanization has strongly affected the profitability. The income for 2014 for the number of such funds was 80-100%. For 2015, these funds showed the profitability even more modestly in the region of 10-20%. And the leader of 2015 in terms of cash flow was PIF, as they invest in Eurobonds with cash flow in the amount of 50-70%. It is true that, in 2016, these fondies showed a negative profit, and the leader in profit in 2016 were the same fondies, who invest in the Russian electric power industry with a profit of 76-153%. I think you can see that it’s unlikely to show a similar supply for the bags of 2017.

I am not against Russian PIFs. At a lower number of stinks, help diversify the portfolio, but first, start buying a share of that chimney fund, know about the shortfalls, the power of our mutual investment funds.

I'm sorry, the information will be given to you.

As a topic of PIF in the Russian Federation, there will be a comus tsikava on this resource, please write in the comments.

This is my first post on the site and for the introduced tradition, throw pluses))) True, I don’t know how I stink.

Away from your investment!

Hello dear readers of our blog. Over the past few years, you have found out what it is. І os vy accumulated a part of pennies deak and think about where to add them. Firstly, on the Internet, they read the unknown name "PIF" (share investment fund). And you obviously got food: What is “PIF”, and how to earn extra money for help? At my article, I will try to give you an opinion on qi and the accompanying question.

What is PIF?

The abbreviation PIF is deciphered as share investment fund. ПІФ - tse complex of the mine, for the creation of which it is not necessary for a legal person, everything is founded on a trusted management of the mine fund by professionals, which is practiced by a special ceramics company (KK). The main method of QC is the promotion of vartostі lane to the fund.

If you have joined before the PIF, you will be a shareholder, and you can be a part of a specific PIF, going to sell your shares. The keruyucha company calls for the minimum amount of money (2-5%) for its services.

Advice on nutrition: "What is PIF?" Help us with an example:

Show yourself that with three friends, they gave a calf (a young cow) with a calf (a young cow) with a method in two or three years to drink milk for a guy from a hairdresser of a farming state. Ale take care of watching her, you don’t care about us and trust the right to the head of the farming state.

You have paid the full sum of pennies to the hairdresser and now you are checking, and the hairdresser is seriously looking at your cow.

І axis through two rocks, you take the first supply of milk 10 liters. For ten liters of water, you will give the head of the farming state 2 liters after the skin milk, for those who have looked after your cow, and 8 liters, which you have lost, share between friends.

The more milk your storm gives, the more milk you take. If your children grow up and you no longer need milk, you can sell your share, and the farmer or your friends can buy it. And you can invest permissiblely in a pig with a method of breeding offspring.

If the wine is the first PIF?

In fact, greed and fear lead to hardships and complicate the setting of real goals for a potential profit. Really, almost like fear means a marriage of innocence in an analysis carried out for the sake of it, and greed means inefficient financial management.

Brandon Sito

"Massachusetts Investment Trust", the very name of the first mutual investment fund, which appeared in the United States in 1924.

America in the world was going through a deep crisis, and the inhabitants took the idea of fighting, the stench did not want to carry pennies to such uncles, so that at the same time, with a singing crowd of people, they were unreasonable. Create a law about investments, which was adopted in the USA in 1940, without giving approval to PIF.

The boom of mutual funds started to flourish in the 1950s. Just as on the cob of the 1950s, the PIFs were entrusted with their pennies from the sum of 57 million dollars, then on the cob of the 1960s, the sum was multiplied 18 times up to 1 billion dollars. Residents no longer put food, such as PIF, but they knew well that, having become a vlasnik share, you can increase your capital.

In the 1980s, becoming a chergovy pіdёm at the development of PIFs in the United States, buv pov'azaniya zv'azaniya z tim, scho banks began to pay even low rates to their depositors, it seemed that inflation was giving all the profits from deposits. Obviously, people began to find alternative ways to save their salaries and began to join more often in the Payoff fund.

PIFs appeared on the Russian market in the mid-1990s.

Today the leaders of the middle PIF in Russia:

"Sberbank Asset Management" (before the fall of leaves in 2012 - KK Triyka Dialog)
"Raiffeisen Capital"
"VTB Capital Asset Management"

How do you see PIFiv?

Share investment funds are subdivided for types of investment and types of paper papers that are in the PIF warehouse.

The most requested are:

1. Bonds
The stench is making bank deposits. The company, which is engaged in the management of the PIF, collects bonds of the conversion of businesses with a guarantee of income. Know your own mind, that this type of investment is one of the safest and it is necessary for him to take advantage of financial crises.
Earnings become from 20% to 50% of the regular ones.

2. Shares
Pennies of money to go to the receipt of shares of enterprises, as if they were buying from a free sale. And if there are more quotes on the stock exchanges, then the profits of the payoviks will increase, but if the quotes go at the minus, then the payoviks will spend a profit.
This type of investment is highly risky, but the key companies are guilty of high-class fahivtsi, so that they can quote some of the other shares on the stock exchange.

3. Zmіshanі
Such funds include shares and bonds of PIFs. The main advantage of these funds is their plasticity. Fallow in the market, the stench can increase the purchase of shares or bonds in order to extract the maximum profit from the shares.

4. Venture
The income of investors also comes from the purchase of valuable paper companies, and other companies are engaged in the exclusive procurement of innovative projects for the light and regional markets. At least 75% of such capital deposits are surplus, but if the investment turned out to be surplus, then the surplus should be spent.

5. Mortgages
Danish view of PIF in May on the uvazi deposit of pennies of payovik in Zhitlov or commercial unruliness.
It's worth giving a young look to PIFs, but a lot of investors have already appreciated yoga.

6. Hedges
Kerіvniki zbіlshhuyut surplus of depositors in the way of manіpulаtsіy with the growth and fall of the market. Even if the type of investment is risky, the forecasts may not be correct.

Plus and minus earnings for help PIF

Without a doubt, how and whether any type of investment PAYO fundi can be both positive and negative moments.

Pros:

Appropriate for investors practically s whether there is a certain amount of capital: є PIF, yakі accept 500 ruble shares.
The order is respectful to follow for the activities of funds, so the chances of spending money on shakhraiv change dramatically.
It is necessary to pay a tribute every day, if your pennies are transferred to the fund and take part in the turnover.
You can also see that you can increase your security deposit for bank deposits and deposits.
PIF traders - know your own business, it’s easier for them to understand all the nuances of the stock market and the foreign exchange market and not to pardon. Wait a minute, people, if you have a lot of knowledge about the financial markets, it will be important to independently earn money on the fall/growth market of shares or currencies.
Already in a couple of days you may be able to resell your share contribution, and turn your pennies.

Cons:

Dosit vysokі risiki porivnya z timi bankіvskimi deposits.
The unprepared people are important to raise among the great number of PIFs and choose pributkovy.
Cheruyuchiy will take away your income from any kind of fluctuation, so you won’t earn any money as a result of manipulation

Robot with Pfami: pluses and minuses of Robert Kiyosaki.

I spodіvayus povnіstu rozkriv nutrition: What is the PIF and how can you earn money for their help.

I would like to guard our readers from the shakhraystva: You do not take away the majestic surcharge by stretching the pivroku, or less. According to the statistics, the average income per share should be close to 20% per river. And really, you can take a great profit in at least 10 years, and for the price of your mind, what your PIF is a high-class professional.

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