10 NYJPCH PV yyu. YODYCHYDHBMSHOSCHK YOCHEUFYYPOOSCHK UUEF – LBL LFP TBVPFBEF?

27 NBS 2015

UREGYBMYUFSH LPNRBOY “zjobn” DBAF RTBLFYUEULYE UPCHEFSH P FPN, LBL ЪBTBVBFSCHBFSH ABOUT TSHOL BLGYK:

y 1 SOCHBTS 2015 ZPDB X TPUUYSO RPSCHIMBUSH CHPNPTSOPUFSH PFLTSCHCHBFSH YODYCHYDHBMSHOSHE YOCHEUFYGYPOOSHE UUEFB (yyu) Y UPCHETYBFSH PRETBGYY U GEOOSHCHNY VHNBZBNY, OBMPZPCHSCHE RTEZHETEOGYY. zhPTNBF yyu HCE PVTEM RPRHMSTOPUFSH: CHPNPTSOPUFSH PUCHPVPDYFSH CHUA RTYVSHMSH PF RPDPIDDOPZP OBMPZB YMY RPMKHYUBFSH PF ZPUKHDBTUFCHB DP 52 FSCHUSYU THVMEK ETSZPDOP RTYCHMELBEF NOPZYI YUBUFOSCHI YOCHEUFPTPCH.

PPRTPUPCHP PFN, LBB TBVPFBEF, PDOLP, Oenbmp: Iodichydhdhdhmzhny Yochefigigypozho Uyulpmshlp unhappy huts horem pvtbufy tbuopvtbbbin nyzhbny. UBNSCHE TBURTPUFTBOEOOSCH YЪ OYI NSCH RPRTPUYMY TBCHEOYUBFSH YURPMOYFEMSHOPZP DYTELFPTB RTEDUFBCHYFEMSHUFCHB bp “zhiobn” Ch Z. yTLHFULE lPOUFBOFYOB fAFTYOB.

NYZH 1. “NOE OE OHTSEO yyu, X NEOS EUFSH VTPLETULYK UUEF”

lPOUFBOFYO fAFTYO: OB PVSHYUOPN VTPLETULPN UUEFE OBMPZY VHDHF KhDETSYCHBFSHUS CHUEZDB, RPMKHYUFSH OBMPZPCHSHCHES MSHZPFSHCH, OBRTYNET, OJM U ЪBTRMBFSCH, NPTsOP FPMSHLP PFLTSCHCH yuyu. lTPNE FPZP, EUMY VTPLET KhDETTSBM U CHBU OBMPZ U PVSHYUOPZP VTPLETULPZP UUEFB, FP RKhFEN RTPUFPK RETELMBDLY DEOETSOSHI UTEDUFCH YMY ЪBTBVPFBOOPK RTYVSHMY U PVSHYUOPZP VTPLETUL PZP UUEFB ABOUT yyu CHCH UNPTSEFE CHETOKHFSH KhDETTSBOOSCHK VTPLETPN ojm PF PRETBGYK U GEOOSHCHNY VKHNBZBNY (OP OE VPMEE 52000 THVMEK CH ZPD). eUMY CHSH YOCHEUFYTHEFE CH OEDPPGEOOOSCH VHNBZY, Y CHBY DPIPD ЪB FTY ZPDB UPUFBCHYF 1000% Y VPMEE, FP UP CHUEK RTYVSHCHMY CHSH NPTSEFE FBLCE OE RMBFYFSH OBMPZY, B FSH HER GEMYLPN.

NYZH 2. "EUMY NOE UTPYuOP RPOBDPVSFUS NPI DEOSHZY, SOE UNPZH YI RPMKHYYFSH TBOSHYE FTEI MEF"

lPOUFBOFYO fAFTYO: OHCHETOP! CHCH NPTSEFE CHCHCHUFY DEOOTSOSCH UTEDUFCHB CH MAVPK NPNEOF, OILBLYI PZTBOYUEOYK OEF, OP EUMY CHSHCH IPFS VSH YBUFYUOP CHCHCHPDYFE DEOSHZY U YYU, FP UUEF ЪBLTSCHCHBEFUS, B CHSHCH RTY LFPN FETSEFE OBMPZPCHHA MSHZPFKH. fP EUFSH, EUMY CHSH ЪBLTSCHCHBEFE yyu RETCHPZP FYRB (CHSHCHUEF ABOUT CHOPUSCH) TBOEE, YUEN YUETE FTY ZPDB, CHCH DPMTSOSCH VKhDEFE CHETOHFSH RTEDPUFBCHMEOOSH CHBN UHNNSH CHSHCHUEFPPCH OBYUYUME, OOSHE OBMPZPCHSHCHN PTZBOPN, REOY Y KHRMBFYFSH OBMPZ U RPMPTSYFEMSHOPZP ZHJOBUPCHPZP TEKHMSHFBFB PF PRETBGYK RP UUEFKH. eUMY ЪBLTSHCHBEFE yyu CHFPTPZP FYRB (CHSHCHUEF CH UHNNE DPIPDPCH), CHBN OHTSOP VHDEF KHRMBFYFSH OBMPZ UP CHUEK RTYVSHMY PF PRETBGYK RP UUEFH.

NYZH 3. “OB YODYCHYDHBMSHOSHI UUEFBI NPTsOP ЪBTBVPFBFS OE VPMSHYE 13%”

lPOUFBOFYO fAFTYO: 13%. ZP TSCHOLB Y UFTKHLFKHTOSH RTDPDHLFSCH. nPZKhF VShchFSH Y DTHZYE VPOHUSCH, OBRTYNET, LPNRBOYS "zhiobn" OBUYUMSEF ½ LMAYUECHPK UFBCHLY gv ABOUT UCHPPPDOSCHK PUFBFPL ZHPODPCHPZP Y UTPYuOPZP TSCHOLB.

NYZH 4. “yyu YOFETEUOSCH FPMSHLP TYULPCHBOOSCHN YOCHEUFPTBN, B S LPOUETCHBFPT”

lPOUFBOFYO fAFTYO: ABOUT DBOOSHK NNEOF OILBLYI PZTBOYUEOYK ABOUT UPCHETYEOYE PRETBGYK RP yyu ЪBLPOPDBFEMSHOP OE RTEDHUNPFTEOP. th DBTSE UBNSCHK LPOUETCHBFYCHOSCHK YOCHEUFPT, RTYIPVTEFBAEIK, L RTYNETKH, ZPUKhDBTUFCHEOOSCH PVMYZBGYY ZHEDETBMSHOPZP ЪBKNB, RPMKHUYF DPIPD, RTECHSHCHYBAEIK UFBCHLY RP DERP JFBN. rTYNET: ((52000 THV. (13% OBMPZPCHCHK CHCHUEF) + 40000 THV. (10% RP PVMYZBGYSN, CH OBUFPSEEE CHTENS)) AND 3 ZPDB = 276000 THV. MBZBAF ABOUT UEZPDOSYOYK DEOSH 20% ZPDCHSHCHI, UFP, U KHUEFPN OBMPZPCHPZP CHSHCHUEFB, DBUF DPIPDOPUFSH HCE CH 33%.

NYZH 5. “pDOPCHTEENOOOP NPTsOP YNEFSH FPMSHLP PDYO FYR yyu”

lPOUFBOFYO fAFTYO: h GEMPN, CHETOP.ъBLPO RPJCHPMSEF PDOPCHTENEOOOP YNEFSH FPMSHLP PDYO yyu ABOUT PDOP ZHYYYUUEULPE MYGP Y CHPURPMSH'PCHBFSHUS FPMSHLP PDOYN FYRPN CHSHCHUEFB ABOUT KHUNPFTEOYE CHMBDEMSHGB. pDOBLP NPTsOP PFLTSCHFSH UUEF ABOUT TSEOKH, UEUFTH, VTBFB, TPDYFEMEC, DEFEC (EUMY POY UFBTYE 14 MEF), CHSTBFSH CHFPTPK FYR UUEFB Y KHRTBCHMSFSH CHFPTSCHN yyu RP PZHTNMEOOPK DPCHETE OOOOOOOO. FEN UBNSHCHN CHPNPTSOPUFY ЪBTBVPFLB TBUYTSAFUS, Y CH LBTSDSCHK LPOLTEFOSCHK NPNNEOF NPTsOP CHSHCHVTBFSH, ABOUT LBLPK UUEF ЪBUYUMYFSH DEOOTSOSCHE UTEDUFCHB.

NYZH 6. “about BMPZPCHSHCHN CHSHCHUEFPN RP yyu NPTsOP ChPURPMSHЪPCHBFSHUS FPMSHLP PDYO TB CH TSIYOY”

lPOUFBOFYO fAFTYO: dB, LFP FBL. ChSHYUEF RP yyu RPIPTS ABOUT CHSHYUEF ЪB LCHBTFYTH, OP EUFSH UKHEEUFCHEOOBS TBIOGB: EUMY CHETOHFSH ojm U LCHBTFYTSCH NPTsOP FPMSHLP PDO TB Y NBLUINKHN 260 000 THVMEK, U yyu NPTsOP CHPCHTBEBFSH OEPZTBOYUEOOPE LPMYUEUFChP MEF. еUMY YURPMSHЪPCHBFSH UUEF 10 MEF, FP UKHNNB ChPChTBFB NPTsEF UPUFBCHYFSH 520 000 THVMEK, B U HYUEFPN ZPFPCHSEIUS YЪNEOOYK RP KHCHEMYUEOYA UHNNSH CHMPTSEOYK, PE ЪЧТБФ NPTsEF CHShCTBUFY EEE VPMSHYE.

NYJ 7. “nBLUINBMSHOSCHK CHLMBD - 400 FSHUSYU THVMEK CH ZPD - OEPVIPDYNP CHEUFY ABOUT YYU UTBH RTY PFLTSCHFYY”

lPOUFBOFYO fAFTYO: bFP OECHETOPE HFCHETTSDEOYE. pFLTSCHFSH UUEF NPTsOP CH SOCHBTE 2015 ZPDB, B RPRPMOYFSH EZP CH DELBVTE. b NPTsOP CHOPUYFSH UTEDUFCHB YUBUFSNY, LBTSDSCHK NEUSG, CH MAVPN LPMYUEUFCHE, OBRTYNET RP 10,000 THVMEK.

NYZH 8. “about 100% CHOUEOOOSCHY ABOUT yyu DEOEZ NPTsOP PZHTNYFSH CHLMBD”

lPOUFBOFYO fAFTYO: chLMBDSH NPTsOP PZhPTNMSFSH CH TBNLBI yyu ABOUT UUEFBI DPCHETYFEMSHOPZP KHRTBCHMEOYS, OP OHTsOP RPNOIFSH P FPN, YuFP POY OE UFTBIKHAFUS ZPUKhDBTUFChPN, RPFPNH YuFP UUEFB ЪBTEZYUFT YTPCHBOSH ABOUT ATYDYUUEULPE MYGP, B OE ABOUT ZHYYYUUEULPE - PF OEDPVTPUPCHEUFOPZP VBOLB bZEOFUFChP RP UFTBIPCBOYA CHLMBDHR CHBU URBUFY OE UNPTsEF.

NYZH 9. “zPUKHDBTUFCHP ZBTBOFYTHEF UPTBOOPUFSH UTEDUFCH ABOUT YYU”

lPOUFBOFYO fAFTYO: zPUKhDBTUFChP ZBTBOFYTHEF MYYSH CHSHCHUEF OBMPZHR YЪ RPMKHYUEOOOSCHI RTYVSHMEK. YuFP LBUBEFUS ZBTBOFYY UPITBOOPUFY DEOEZ ABOUT UUEFE, FP EUMY POY METSBF CH LBLYI-MYVP BLFYCHBI (BLGYY, PVMYZBGYY), FP LFP FBLPE CE YNHEEUFChP, LBL LCHBTFYTB, N BYYOB, DBYUB, YENMS, Y OILFP OE CHRTBCHE PFPVTBFSH LFP YNHEEUFChP KH CHBU. h UMHYUBE, EUMY DEOOTSOSCHE UTEDUFCHB RTPUFP METSBF O UUEFE, FP ZBTBOFY ZPUKhDBTUFCHB RPLB OEF, POB PVUKHTSDBEFUS UEKYUBU ABOUT ZPUKHDBTUFCHEOOPN HTPCHOE Y VHDEF, CHETPSFOP, FSH RP RTYOGYRKH bZEOFUFCHB RP UFTBIPCHBOYA CHLMBDHR. rP UHFY, DBOOBS ЪBEIFB OKHTsOB PF OEDPVTPUPCHUFOSCHI NEMLYI VTPLETCH, LPFPTSCHN OYUEZP FETSFSH.

NYZH 10. “pFLTSCHFSH yyu OYLPZDB RPJDOP, RPFPNH NPTsOP OE FPTPRYFSHUS”

lPOUFBOFYO fAFTYO: fTY ZPDB UHEEUFCHPCHBOYS YODYCHYDHBMSHOPZP YOCHEUFYGYPOOPZP UUEFB OEPVIPDYNSCH DMS RPMHYUEOYS MSHZPF. Sing UYUYFBAFUS U DBFSH ЪBLMAYUEOYS DPZPCHPTB ABOUT yyu. Yuen TBOSHYE CHSH ЪBLMAYUYFE DPZPCHPT (UUEF RTY LFPN, OBRPNYOBA, NPTsOP RPRPMOYFSH Y CH LPOGE RETCHPZP ZPDB, UN. RHOLF No. 7), FEN TBOSHYE CHSH RPMKHYUFE UCHPA CHSHZPDH. RETCHSHCHNY, LFP ChPURPMSHЪPCHBMUS LFK CHPNPTSOPUFSHA Y PFLTSCHM UUEFB HCE CH RETCHCHE TBVPYYE DOY SOCHBTS, VSHMY UBNY UPFTKHDOYLY VTPLETULYI LPNRBOYK, LPPTSHCHN OE VSHCHMP PVASUOSFSH CHSHZPDH PF yyu.

About the site RHVMYLHAFUS NBFETYBMSHCH, RTEDPUFBCHMEOOOSCH BOBMMYFYLBNY Y FTEKDETBNY TPUUYKULYI Y OBTHVETSOSHI YOCHEUFYGYPOOSCH LPNRBOOK Y VBOLPCH. yI NOEOYS NPZHF OE UPCHRBDBFSH U NOOOYEN TEDBLGYY. bChFPTSH LPNNEOFBTYECH OE VETHF ABOUT UEVS PFCHEFUFCHEOOPUFSH ЪB DEKUFCHYS, RTEDRTYOSFSHCHE ABOUT PUOPCH DBOOPC YOZHTNBGYY. u RPSCHMEOYEN OPCHSHHI DBOOSCHI RP TSCHOLKH RPYGYS BCHFPTPCH NPTsEF NEOSFSHUS. rTEDUFBCHMEOOOSCH LPNNEOFBTYY NOOOYS CHSTBTSEOSCH U KHUEFPN UYFKHBGYY ABOUT NPNEOF CHSHCHIPDB NBFETYBMB. lPNNEOFBTYY OPUSF YULMAYUYFEMSHOP PJOBLPNYFEMSHOSHCHK IBTBLFETT; SING OE SCHMSAFUS RTEDMPTSEOYEN YMY UPCHEFPN RP RPLHRLE MYVP RTDDBCE GEOOSCHI VKHNBZ. UFPYNPUFSH GEOOSH VHNBZ NPTSEF KHCHEMYUYCHBFSHUS Y KHNEOSHIBFSHUS, TEKHMSHFBFSCH YOCHEUFYTPCHBOYS CH RTYMPN OE PRTEDEMSAF DPIPDSCH CH VHDHEEN, ZPUKHDBTUFCHP OE ZBTBOFYTHEF D PIPDDOPUFSH YOCHEUFYGYK CH GEOOSH VHNBZY.

UFBFKHU NYTPCHPZP NBUYFBVB: SHENE ACHEMYT P UPFTKHDOYUEUFCHE U NYTPCHSHNY VTEODBNY

​​" PMEE RPRKHMSTOSCH X YTLHFSO, TBUULBBBMB zBIEFE DEMP LPNNETYUEULYK DYTELFPT SHENE ACHEMYT fBFSHSOB RYUBTECHB.

CHBDYN PUFBREOLP, yl “ZhTDPN ZHYOBOU”: “ryzhSH – OBIYE FEELINGS. pFLTSCHCHBEN DMS UEVS BLFHBMSHOSHE YOCHEUFYGYPOOSHE YOUFTHNEOFSH"

EUMY CHSH OPCHYYUPL CH YOCHEUFYTPCHBOY – PDYO YI MKHYYI URPUPVPVCH OBYUBFSH LFPF KHCHMELBFEMSHOSHCHK RHFSH ЪBTBVBFSCHBOYS DEOOZ U CHLMBD OEVPMSHYPK UHNNSHCH RBECHSCHE YOCHEUF YYYYPOOSHE SUPPORT.

“x yTLHFULB EUFSH CHUE YBOUSCH UFBFSH MYDETBNY GYZhTPCHYBGYY tPUUYY” – pLUBOB mPVPCB, vBKLBMSHULIK VBOL uVETVBOLB

​​​​​​​yTLHFULBS PVMBUFSH CHIPDYF CH DEUSFLH TEZYPOPCH-MYDETPCH, RTPPSCHMSAEYI YOFETEU L GYZHTPCCHN UETCHYUBN. YuFP DBEF GYZhTPCHBS FTBOUZHPTNBGYS TEZYPOKH? lBLYE TEYEOYS VHDHF OBYVPMEE CHPUFTEVPPCHBOSH NHOYGIRBMYFEFBNY? fY CHPRTPUSH PVUKHDIMY RTEDUFBCHYFEMY NHOYGIRBMSHOSHI PTZBOPCH CHMBUFY, VADTSEFOPK UZHESHCH, VYOEU-UFTHLFKHT TEZYPOB PE CHTENS "gYZhTPCHPZP DOS", PTZBOYBFPTPN LPFPTPZP CHCHUFKHRIM vBKLBMSHULIK VBOL uVETVBOLB.

DCHB PZHYUB tPUUEMSHIPVBOLB PFLTSCHMYUSH CH yTLHFULPK PVMBUFY RPUME TEOPCHBGYY



5 NBTFB 2020 ZPDB DMS TSYFEMEK fHMHOB Y OITSOEHDYOULB PFLTSCHMY DCHETY PVOPCHMEOOOSCH PZHYUSH TPUUEMSHIPVBOLB. h FPTCEUFCHEOOPK GETENPOY PFLTSCHFYS RTYOSMY KHYUBUFYE ZMBCHSH NHOYGIRBMSHOSCHI PVTBPCHBOYK, RTEDUFBCHYFEMY CHEDPNUFCH, KHRTBCHMEOYS UEMSHULPZP IP'SKUFCHB, REOUYPOOPZP ZhPODB , UPGYBMSHOPK ЪBEIFSH OBUEMEOYS Y RPYUEFOSCH CHLMBDYULY VBOLB.

Chfv RETECHPDYF UEFSH ABOUT VEJVKHNBTSOHA FEIOMPZYA



Chfv PDYO YЪ RETCHSCHI RETECHPDYF CHUA VBOLPCHULHA UEFSH ABOUT VE'VKHNBTSOHA FEIOMPZYA. gYZhTPChPK ZHTNBF RPDRYUBOYS DPLHNEOFPCH UFBOEF DPUFHREO LMYEOFBN CH RETCHPN LCHBTFBME 2020 ZPDB PE CHUEI FPYULBI RTDPDBC – LFP RPTSDLB 1.5 FSHCHU. PZHYUPCH chfv RP CHUEK UFTBOE.

CHYLFPT zETBEEOLP CHCHTSEZ VSH OBRBMNPN URELHMSOPCH RPLBBUBFEMSHOSHCHN KHLTERMEOYEN THVMS



GEOPCHBS CHPKOB ABOUT TSHOL OEZhFY – UNEMPE Y TYULPCHBOOPE TEYOYE TPUUYKULYI CHMBUFEK. pOP, CHNEUFE U FEN, YNEEF YUEFLHA Y SUOKHA MPZYLKH, UYUYFBEF bMELUBODT tBKHCHBECH, THLPCHPDYFEMSH ybg “bMSHRBTY”.

Thubm PVYASCHMSEF PRTBGYPOOSCH TEJHMSHFBFSCH YUEFCHETFPZP LCHBTFBMB Y 2019 ZPDB



Thubm (FPTZPCHSHCHK LPD ABOUT ZPOLPOZULPK ZHPODPCHPK VITCE 486, ABOUT nPULPCHULPK VITCE RUAL), PDIO YJ LTHROEKYI CH NYTE RTPYCHPDYFEMEK BMANYOYS, PVYASCHMSEF TEKHMSHFBFSCH PRETBGYPO OPK DEFEMSHOPUFY LPNRBOY CH YUEFCHETFPN LCHBTFBME Y CH 2019 ZPDH.

"lYFBCULBS YZMB." oBULPMSHLP UFTBYEO DMS FHTVYOEUUB ABOUT vBKLBME LPTPOBCHYTKHU

LZHZHELF DPNYOP CHSHCHBMB RYDENYS LPTPOBCHYTHUB ABOUT YTLHFULPN FHTYUFYUEULPN TSCHOLE - LYFBK ЪBLTSCHM ZTBOYGSCH, tPUUIS ЪBRTEFIMB TEZKHMSTOSCH Y YUBTFETOSCH BCHYBTEKU Shch, RTYPUFBOPCHYMB TSEMEЪOPPTPTTSOPE UPPVEEOYE, OBYUBMYUSH NBUUPCHSHE PFNEOSCH FHTPCH, UOSFYE VTPOY CH ZPUFYOIGBI yTLHFULB Y ABOUT vBKLBME. CHUS YUETEDB UPVSCHFYK RTPYIPYMB VHLCHBMSHOP UB 1.5 OEDEMY. NOPZIE KHYUBUFOILY FHTYUFYUEULPZP TSCHOLB DP UYI RPT RTEVSCCHBAF CH OELPFPTPK TBUFETSOOPUFY Y BFTKHDOSAFUS PGEOIFSH NBUYFBV RPFETSH. Chue RTYOBAF, UFP JOYNOIK UEPO ABOUT vBKLBME RTPCHBMEO. YuFP RTPYUIPDYF ABOUT FHTYUFYUUEULPN TSCHOLE? rPYUENKH TEZYPOBMSHOSCHK FKHTVIYOEU PLBBBMUS FBL HSCHYN?.

10 OEPVSCHYUOSHI ZhBLFPCH PV bMSHZHB-vBole h yTLhfule



BMSHZHB-vBOL H YTLHFULE PFRTBDOPCHBM 20-MEFOIK AVYMEK. ABOUT RTBDOYUOPK CHUFTEYUE CHURPNYOBMY, U YUEZP CHUE OBYUBMPUSH, ZPCHPTYMY P FPN, YUEN PFMYUBEFUS VBOL UEKUBU, ... Y UMKHYBMY TPL CH YURPMOOY PRETOSHI RECHGPC nBTYYOULPZP FEB FTB. YuFP-YuFP, B KhDYCHMSFSH bMSHB-vBOL CHUEZDB KHNEM! CHUENKH "CHYOPK" PUPVSHCHK bMSHZHB-ZEO?

LBL RTPPIPDYF TEZHPTNB TSCHOLB TSYMSHS? uVETVBOL RTPCHEM CH YTLHFULE "LTHZMSCHK UFPM" U BUFTPCAILBNY Y RBTMBNEOFBTYSNY



"lТХЗМШЧК УФПМ", RПУЧСЭООШЧК ChPRTPUBN ЪBLPOPDBFEMSHUFCHB tj CH UZHETE TSYMYEOPZP UFTPYFEMSHUFCHB, UPUFPSMUS CH YTLHFULE ABOUT RMPEBDLE GEOFTBMSHOPZP PZHYUB vBKLBMSHULPZP VB OLB uVETVBOLB. h TBZPCHPTE RTYOSMY KHUBUFYE DERKHFBFSH zPUKHDBTUFCHOOOPK DHNSCH – OYLPMBK OYLPMBECH, bMELUBODT sLKHVPCHULIK, KHRTBCHMSAEIK yTLHFULIN PFDEMEOYEN uVETVBOLB oBFBMYS gBK FMET, THLPCHPDYFEMY 21 LPNRBOYY-BUFTPCAILB. GEOFTBMSHOPK FENPK DYULHUUYY UFBMP PVUKhTSDEOYE TEHMSHFBFPCH TEZHPTNSH TSIMSHS CH TPUUYY YURPMOOYE ЪBUFTPCEYLBNY TEZYPOB FTEVPCHBOYK ЪBLPOPDBFEMSHUFCHB RP YURP MSHЪPCHBOYA ULTPH-UUEEFPC.

“NEDRTPYCHPDUFCHP CH YTLHFULE? FUCKING!” lBL LPNRBOY "NEDFEIUETCHYU" HDBMPUSH OECHPNPTSOPE



H TPUUY PZHYGYBMSHOP ЪBTEZYUFTYTPCHBOP 5 NYMMYPOPCH DYBVEFYLPCH, ETSESPDOP YI YUYUMP HCHEMYYUCHBEFUS ABOUT 10%. about UBNPN DEME, LFB GYZhTB VPMSHYE CH DCHB TBBB: NOPZYE RTPUFP OE OBAF P UCHPEN ЪBVPMECHBOY. pDYO YЪ UPVUFCHOOYLPCH LPNRBOY "NEDFEIUETCHYU" DBCHOP VPMEO DYBVEFPN Y OBLPN U RTPVMENPK OE RPOBUMSCHYLE. YDES RPUFTPIFSH CH YTLHFULE ЪBCHPD RP RTPIYCHPDUFCHH DYBVEFYUEULYI FEUF-RPMPUPL RPOBUYUBMH LBBBMBUSH VEKHNYEN: NBMP LFP CHETYM, YuFP LFP CHPNPTsOP ЪDEUSH, CH YVYTY, CHDBMY PF UFPMYUOSCHI NEDYGYOULYI LMBUFETPCH. OP CHUE HDBMPUSH. uEZPDOS RTPDHLGYS LPNRBOY CHPUFTEVPCBOB KHTSE Y ABOUT CHOYOYI TSHOLBI. OEDBCHOP "NEDFEIUETCHYU" RTY KHYUBUFYY GEOFTB RPDDETSLY LURPTFB ЪBLMAYUYM LPOFTBLF U VEMPTHUUYEK. pF UFBTFB RTPELFB DP CHSHCHIPDB ABOUT LURPTF RTPYMP CHUEZP OUEULPMSHLP MEF. LPOUFBOFYO of vene, Ditelfpt RP TBCHIFYA LPNRBEI "Nedfuyatheitchyu", RTPCCHE BCHTUIA RP Kommersa Zbybm Zbiefe Dabdp, LBB PHUE UFBMP ChPNPSUSHNE.

Chfv PFLTSHM PZHYU Private Banking CH YTLHFULE



Chfv Private Banking – LFP UREGYBMYYTPCHBOOPE RPDTBBDEMEOYE RP KHRTBCHMEOYA LBRYFBMPN Y PVUMKHTSYCHBOYA RTENYBMSHOSHI LMYEOFPC Y YUMEOOPCH YI UENEK. yN DPUFHROSCH LMBUUYUEULYE VBOLPCHULYE HUMHZY U MHYUYYYYY HUMPCHYSNY, YOCHEUFYGYPOOSCH RTDPDHLFSCH, KHUMKHZY Family Office - ATYYUEULPZP Y URPTPCHPTSDEOOYE, CHPRTPUSCH OBUMEDPCHBOYS LBRY FBMB, B FBLCE YTPLK URELFT HUMHZ lifestyle.љ

Tuiv KHMKHYUYM HUMPCHYS PVUMKHTSYCHBOYS LURPTFETPCH Y KHUBUFOYLPCH chd

TPUUEMSHIPVBOL CHCHEM CH DEKUFCHYE DCHB OPCHCHI FBTYZHOSCHI RMBOB: PDYO RTEDOBOBYEO LURPTFOP PTYEOFYTPCHBOOSCHN LPNRBOYSN brl, CHFPTPK – LPNRBOYSN, CHEDHANE CHOEYOELPOPNYUEU LHA DESFEMSHOPUFSH. h TBNLBI FBTYZHOSHCHI RMBOPCH VBOL RTEDMBZBEF CHZPDOSHCHE GEOPCHCHE HUMPCHYS ABOUT LPNRMELU HUMKHZ RP TBUYUEFOPNH Y DYUFBOGYPOOPNH VBOLPCHULPNH PVUMKHTSYCHBOYA (dvp), B FBLCE ABOUT HUMKHZY CH BMAFOPZP LPOFTPMS.

Chd – Ch PDOPN PLOE. pMSHZB VEUREYUOBS – P OPCHSHHI UETCHYUBI Y HUMKHZBI DMS LMYEOFPPCH-LURPTFETPCH



YTLHFULYK VYOEU CHUE BLFYCHOE CHSHCHIPDYF ABOUT NECDHOBTPDOSHCHOLY. fPTZPCHSHCHK PVPPTPF TBUFEF, B CHNEUFE U OIN TBUFHF Y RPFTEVOPUFY RTEDRTYOINBFEMEK CH LBUEUFCHEOOPN VBOLPCHULPN UPRTPCHPTSDEOOY CHOEYOELLPOPNYUUEULPK DEFEMSHOPUFY. bMSHZHB-vBOL – LTHROEKYK YUBUFOSHCHK VBOL UFTBOSHCH – BLFYCHOP TBVPFBEF CH OBRTBCHMEOYY chd, RTEDMBZBS LMYEOFBN Y OPCHSHHE GYZhTPCHCHE UETCHYUSCH, Y CHCHZPDOSHE FBTYZHSCH, Y LURETFYYH, Y ChPNPTSOPUFSH TEYYFSH CHUE CHPRTPUSCH CH TETSYNE "EDYOPZP PLOB". rPDTPVOEE PV LFPN TBUULBЪBMB pMShZB VEUREYUOBS, TEZYPOBMSHOSCHK HRTBCHMSAEIK bMSHVB-vBOLB CH YTLHFULE.

To answer the question of where it is better to open an individual investment account (IIA), it is necessary to immediately take into account a combination of important factors. Today in Russia there are quite a lot of well-established companies providing services of this nature.

An IIS is in many ways similar to a regular brokerage account. From the name it is clear that it is intended for investing and increasing one’s own funds. The main difference from a regular brokerage account is the possibility of obtaining a tax deduction, which significantly increases the profitability of such investments.

Opening an IIS is available to a wide range of people. It is not at all necessary to have Russian citizenship. The service is available even to non-residents of the Russian Federation. In general, there are two types of IIS:

1. IIS with tax compensation. The principle of operation is that annually a person compensates 13% from his earnings, provided that such an amount was used to open an account. Additionally, there are restrictions on the amount of deductions - 400,000 rubles per year. In general, this type of investment account can be replenished by no more than 1 million rubles per year.
2. IIS with tax exemption. In this case, there is no question of a tax deduction - the investor refuses to receive it, so as not to subsequently pay tax on income. This great option for those who frequently reinvest their investments.

It is impossible to choose the optimal type of investment account for all people - it all depends on the style of work, the regularity of investments, and the volume of investments. If we are talking about active investors receiving more than 100% profit, then the second option becomes more profitable.

Where can I open an IIS?

A person who has not previously invested his own funds may not know where to go to open an individual investment account. Similar services are currently provided by:

• brokers;
• banks (subject to having a license to conduct brokerage activities);
• management companies.

For those who have already accumulated a sufficient amount of savings, MCs are suitable. Due to the presence of their own specialists, the riskiness of investments is significantly reduced, but the investor himself has less freedom. You can turn to brokers even without having money yet - investments can be postponed until later.

Many investors use the services of brokers, and they usually give preference to reliable and proven companies, such as Otkritie, Finam, Alfa Capital.

How to choose the right broker

Beginners, wanting to start actively investing, are looking for a reliable company. They often do not know how to choose a broker to open an individual investment account. When searching, you need to take into account a combination of parameters:

1. Restriction on the amount of the minimum contribution. Here you need to proceed from the amount of funds available to the future investor. If there is very little money to start, then it is pointless to go to companies where contributions amount to a round sum.
2. Account opening options. It’s good if the broker allows you to do this online, without leaving your home. If such a service is not provided by a specific company, and there is no office in the desired city, then it will not be possible to open an IIS here.
3. Commission size and availability of additional payments. Typically, brokers with minimal commissions are most preferred. It is taken from the turnover. Additionally, the client is charged a monthly fixed fee. Having approximate investment amounts, you can always calculate which broker will be less expensive.
4. Service level. For beginners, it is especially important that a broker help him solve any difficulties that arise. Therefore, technical support should not only be friendly, but also savvy in investment issues. From this point of view, BCS stands out among all brokers - the service here is very fast and high-quality, and the employees have an excellent command of terminology and understand investment strategies.
5. Terms and products. It all depends on the policy of a particular broker. Some of them offer more favorable conditions for small investors, while others try to attract large investors by offering them discounts and various bonuses. Large well-known brokers are more inclined to the second strategy, but they have different minimum limits for obtaining privileges (in some places it is 50,000 rubles, in others it is 300,000 rubles).
6. Market accessibility. If the broker is as open as possible, then he has no restrictions. There are also companies that do not work with certain types of markets, that is, investors will not be able to invest in them.

When comparing brokers, it is necessary to take into account the opinions of their clients. Large quantity Positive reviews confirm the quality level of service and reliability.

Conditions for opening an IIS with brokers

It is better for a novice investor to choose a large and reliable company as a broker. A trusted mentor will help you understand the intricacies of business.

Finam is one of the largest and most famous brokers. An advantage for a beginner is the opportunity to invest a small amount - from 5,000 rubles. However, to unblock trading operations you will have to top up your account up to 30,000 rubles. This amount is not that big for beginners, but it will allow you to feel like an investor. Among the advantages of the broker we can also note:

• online account opening;
• a wide choice of actions - work on the stock, foreign exchange and derivatives markets is available, as well as trading on the Moscow and St. Petersburg exchanges;
• the ability to calculate in advance the approximate profitability directly on the website using an online calculator (and it also immediately shows what will be more profitable - receiving a deduction or exempting profits from taxes).

The commission for investors with a turnover of less than 1 million rubles is 0.0354%. For the convenience of beginners, an auto-following strategy is also provided, which allows you to earn income by duplicating the actions of experienced market players.

By the way, the broker also has its own management company - Finam Management. With it you can start investing with 300,000 rubles. Moreover, funds are credited without commission, and the deduction is 10%. Additional option - account closure ahead of schedule without fines or penalties.

BKS

BCS is another large and well-known Russian broker. The lower threshold for entering the exchange is 300,000 rubles. Here, investors also have access to stock, foreign exchange and derivatives markets, but they will have to trade on the Moscow Exchange, since there is no access to the St. Petersburg Exchange. But you can open an account here without leaving your home.

The broker's commission depends on the volume of turnover. So, for small investors with a turnover of up to 1 million rubles, it is 0.0354. If this amount increases, the commission is halved. In any case, the single commission for a transaction starts from 35.4 rubles.

For clients who have just opened an IIS, in the first 30 days the commission is reduced to 0.0177% - this benefit is part of the client attraction strategy.

Clients are offered two options: conduct independent trading (with stocks, OFZs, bonds, currencies, futures and options) or use ready-made BCS solutions (maximum yield varies from 9 to 14% per annum depending on the type of portfolio).

Opening

The main feature of the broker is the absence of minimum restrictions on investment amounts. Opening an account gives you the opportunity to work in all 3 types of markets. The Moscow Exchange is accessible, but the St. Petersburg Exchange is not.

Commissions on IIS for those who invest independently depend on the type of transactions and investments. Values ​​range from 0.015 to 0.057% by volume. Additionally, a monthly fee of 250 rubles is charged for access to the work site if the account balance is less than 50,000 rubles.

For beginners who do not understand investments, but want to make money from it, a Model Portfolio is provided. Otkritie also has a management company. The work will require at least 50,000 rubles. The commission is 15% of income.

VTB

VTB Group provides a wide range of services, including working as a broker. Reliability is the main advantage of the company. However, it has a number of serious disadvantages:

1. you cannot trade on the foreign exchange market, Moscow and St. Petersburg stock exchanges;
2. You cannot open an account remotely - only visiting the office.

Commissions for account servicing depend on turnover - the higher the turnover, the more favorable the conditions. For those whose turnover is less than 1 million rubles, the commission is 0.0472%. The minimum is available to persons with a turnover of more than 10 million rubles - 0.02124%.

For beginners there is a special program with a fixed commission of 0.0413%. Additionally, they can use the autofollow strategy.

When choosing Alfa Capital as a broker, you will have to work through a management company. By the way, this company is the leader in the number of opened IIS. Investors themselves trust her with money (the portfolio in this area is also the largest on the market).

Online account opening is available here. Moreover, you can work with a broker by depositing even 10,000 rubles. The company offers 3 reliable strategies involving OFZs, shares and corporate bonds. Alfa Capital has been working in this direction for the 3rd year and is showing excellent results.

From a cost point of view, the conditions are not the most attractive. But if you consider that investments are managed by reliable market participants who know where to invest money to get maximum returns, then 4% does not seem so much.

Individual investment accounts are not currently in widespread demand among individuals, but still every year the number of clients of management and brokerage companies is growing rapidly. If a few years earlier the majority of our fellow citizens preferred to keep their savings on bank deposits, then as development financial literacy prefer to use other financial instruments to preserve and increase their savings.

The difference between an individual investment account is that its owner receives income in the form of interest on his savings by investing them in valuable assets; in addition, he has the opportunity to receive profit from the state in the form of a tax deduction. But the main task of a potential investor is to find a reliable management company, one of which is Otkritie Management Company.

Advantages of Management Company Otkritie

To begin with, who is it to determine how the ISS of Otkritie Bank differs, and what advantages it has. Here the main factor for a potential investor is the reliability of the management company. The financial corporation Otkrytie itself does not raise doubts among our fellow citizens, because for a long time the group of companies occupied a leading position in the financial services market. Above all, when it comes to individual investment accounts, only reliability must be taken extremely seriously, for the reason that investments are not insured.

Among the main advantages we highlight the following:

• the amount of the down payment is only 50 thousand rubles;
• You can control your savings in your personal account;
• several ready-made tariffs;
• the ability to control your profitability.

Overall, the individual investment account itself has a lot of benefits. First of all, by investing your money in profitable projects, you can receive income several percent more than from a bank deposit. Among other things, private clients have the opportunity to receive a profit in the form of a tax deduction in the amount of up to 400,000 rubles per year. By the way, here the maximum investment amount cannot exceed 1 million rubles.

Current offers

Otkritie management company offers many different investment products for individuals. Each of them has its own individual characteristics, and their choice depends on the personal preferences of the investor, that is, you can choose a product with high risks and increased profits, or vice versa.

IIS Balanced

This investment product allows clients of the management company to invest capital in the purchase of shares and bonds of Russian enterprises. This is a medium-term investment with moderate profitability and minimal risks. In simple terms, within the framework of this product the client invests money in the purchase of shares for the purpose of subsequent resale. Income is achieved by purchasing securities during periods of declining value and reselling them during periods of active growth. If we talk about risks, they are average and completely proportional to profitability.

The following conditions apply here: the minimum investment amount is from 50,000 rubles, you can top up your account with an amount from 15,000 rubles, the maximum amount is limited to one million rubles. As for the commission, it is 1% of the transaction plus a 10% premium for capital gains. On average, investors profit from 4 to 55%, depending on the industry. The most profitable and high-risk industry is finance, the lowest profitable is Energy, only 4%.

Investor's personal account

IIS Protective

The investment program is designed for clients who prefer low income and a complete absence of risks, because under this program, individuals invest in the purchase of government and municipal bonds. The conditions are as follows: the minimum amount of capital is 50,000 rubles, the maximum is 1 million rubles, the minimum replenishment amount is 15,000 rubles. The commission is 1% of the transaction, there is no remuneration for capital gains. Profitability depends on many factors, in any case, it reaches the average rate on bank deposits.

IIS Savings

The program is designed for average capital growth by placing investments in bank deposits and bonds of Russian issuers. As for capital gains, the yield exceeds the average interest rate on a bank deposit, the product is aimed at clients who want to preserve their savings. Among other conditions, the minimum amount is 50,000 rubles, the maximum is 1 million rubles, you can top up your account with an amount of 15,000 rubles. The commission for replenishing an account is 1% plus 0.8% of the transaction.

IIS Optimal

Under this program, the investor's capital growth is ensured through transactions on the Russian stock market. Profitability and risks determine the movement of the market, regardless of its direction. In simple words, this program has minimal risks with average returns, the investment portfolio of the management company mainly includes securities of the Ministry of Finance Russian Federation. The basic conditions for the investor remain the same, with the only exception that here the commission on the transaction is 1.5% plus 15% of capital gains.

IIS Potential

This program is designed for clients who want to get the maximum increase in profit by investing in floating bonds. interest rate. That is, the client receives income due to the increase in the value of assets invested in the bonds of the Otkritie financial corporation. The risk is completely comparable to profitability, and the product itself is more suitable for clients whose goal is to preserve their savings. Among the main conditions, the minimum investment amount is 100,000 rubles, the top-up amount is from 15,000 rubles. Commission for transactions - 1%.

IIS Market

The program involves investing the capital of individuals and purchasing securities on the Russian market. Money is invested in the mining industry, finance, energy and other industries, issuers include Gazprom, Yandex, Lukoil, Sberbank and others. Among the main conditions, the minimum investment amount is 50,000 rubles, you can top up your account with an amount of 15,000 rubles, a commission is charged in the amount of 1.5% for transactions plus 15% of profits.

IIS Stable

The investment program allows you to receive an average profit by investing the capital of individuals in bonds of Russian companies. In the investment portfolio of the management company, more than 95% are bonds of the Ministry of Finance of the Russian Federation, the rest are some commercial banks. The terms of the program are as follows: the minimum investment amount is 50,000 rubles, you can top up your account with an amount of 15,000 rubles, a commission is charged depending on the input, the average annual value of net assets in the amount of 1%.

Please note that you can view all investment conditions under the IIC program on the official website of the management company at the Internet address http://www.open-am.ru/.

How to open an investment account

In fact, opening your account with a management company will not be difficult for you, and you don’t even have to look for offices, you just need to go to the official website, select the product you are interested in, read its terms and conditions and submit an application online. To do this, you just need to go to the official website of the management company, carefully study the current offers, select a product that best suits your conditions, then click on the “Buy online” button.

However, the nuance here is that in order to conclude an agreement remotely, the client will need to confirm his personal data through the State Services portal. If you have an account on the government services portal and a verified account, then you should follow the link to the official website https://www.gosuslugi.ru, enter your personal account, then use the system prompts to confirm your identity.

Please note that in this option you do not need to visit the branch of the management company; the agreement can be signed remotely, after which you will have access to personal account and you can transfer funds to your personal account number in any way convenient for you.

Profitability

For every potential investor, the primary issue is the return on their investment. Individual investment account Opening allows its clients to receive significant profits through ready-made investment solutions plus receiving a tax deduction. As for profit percentages, of course, the question is quite complex, for the simple reason that the management company cannot guarantee stable profitability.

In fact, management companies only invest your savings in any valuable assets, which, according to analysts' forecasts, will increase in price over a certain period. But the Otkritie financial corporation has proven itself on the positive side for many years and has proven to its clients that they know how to effectively conduct their policies, which is what a team of professionals is working on. By the way, before investing in any assets, the organization’s analysts carefully study market movements, and based on this analysis, further investments are made. In general, the investor’s money is protected, but not insured, which means that he can make a profit that exceeds his expectations, or he can suffer losses.

If we draw a certain conclusion, then the Otkritie management company fully meets the requirements of a potential investor for the reason that a variety of products are designed for investors who want to increase capital with minimal risk. Tariffs for services are quite competitive, the terms of the contract are loyal. Among other things, each client has round-the-clock access to his investment account thanks to his personal account in the online system.

We have already done several large reviews regarding choosing a broker, analyzing pitfalls, and also finding interesting opportunities when investing through an individual investment account. And in this article, naturally, we will take the same route, taking into account the information already accumulated. However, let's start with a brief explanation of what an investment account is. Therefore, if you know everything, you can safely skip the first paragraph - this block is for beginners.

Individual investment account how does it work?

- almost an ordinary brokerage account, but with tax benefits that you can receive annually if you top it up. The maximum investment amount (may increase), but at the moment is 400,000 rubles per year. Minimum term use (if benefits are needed, of course) – 3 years. The validity period is unlimited. There are 2 types of investment accounts. For type A, we receive a deduction of 13% of the deposited amount; for type B, there is no taxation. An account can be opened both in a brokerage (or in a bank with a brokerage license) and in a management company (editor's note hereinafter referred to as the management company, but not housing and communal services). You can register an account with a broker and invest later, when you have the desire and money, but agreements with management companies imply depositing a certain amount at once. There are some details, but in the context of this article there is no point in repeating them. It is safe to say that this is a positive tool that can be honestly recommended for use. The purpose of this material is to help determine where the tariffs are more profitable and there are more useful attributes.

Where are IISs most often opened?

Let's start with statistics on open individual investment accounts, because... this is already an important indicator. Looking ahead, let's say that in this article we looked at the first 8 companies + RGS Investments (formerly FC Megatrastoil LLC) is part of the Rosgosstrakh group, because I became curious about what they were offering.

So, we see that today, the first is Sberbank, then the “big three” brokers. Essentially 90% of the market is served by 6-7 companies. In just 2 years, about 195,000 accounts were opened. Of these, approximately 185,000 were opened by participants in our survey.

The second graph was presented in order to understand the ratio of the number of brokerage and individual investment accounts opened on the Russian market. Information for 10 months of 2016.

Sberbank works very well in the area of ​​IIS. It can be seen that other brokers open more regular accounts (which is logical in principle), but Sber has its own methods that allow opening an average of 3,500 investment accounts per month. Alfa has data on the opening of brokerage accounts in Alfa-Bank in the left column.

Tariffs and services for individual investment accounts from brokers.

Available from November 2019. Be careful, this information applies to IIS; on regular brokerage accounts with the companies in question, the conditions may be different.

Main Single account Lending Bonds FORTS programs Products

№	Broker	Rate	Online opening of IIS	Minimum amount	Monthly fee	Commission on turnover*
						Up to 50,000	Up to 100,000	Up to 500,000	Up to 1,000,000
1	FINAM	Single daily	Yes	5,000 rub.*	177 rub.*	0,0354%*	0,0354%	0,0354%	0,0354%
2	Opening	Independent_IIS*		0	200 rub.*	0,047%	0,047%	0,047%	0,047%
3	Promsvyazbank	PSB Day	Yes	0	0	0,05%	0,05%	0,05%	0,05%
4	BKS	BKS-Start	Yes	50 000	177 rub.*	0,0354%*	0,0354%	0,0354%	0,0354%
5	Sberbank	Independent	Yes	0	150 rub.*	0.165%	0.125%	0.125%	0.075%
6	VTB24	Investor standard	Yes	0	150 rub.*	0,0413%	0,0413%	0,0413%	0,0413%
7	ATON	Universal	Yes	50 000	177 rub.	0,045%*	0,045%	0,045%	0,045%

№	Broker	Rate	Single brokerage account*	Markets available on IIS
				Stock	Urgent	Foreign exchange	Eurobonds on the Moscow Exchange	SPBEXCHANGE
1	FINAM	Single daily	+	+	+	+	+*	+
2	Opening	Independent_IIS	+	+	+	+	+*	–
3	Promsvyazbank	PSB Day	+	+	–	–	–	–
4	BKS	BKS-Start	+	+	+	+	+*	–
5	Sberbank	Independent	+	+	+	–	–	–
6	VTB24	Investor standard	+	+	+	–	–	–
7	ATON	Universal	+	+	+	–	–	–

№	Broker	Rate	Margin lending
			Long position (Long)	Short position (Short)
1	FINAM	Day	18,5%	13%
2	Opening	Independent_IIS	18.4%	13%
3	Promsvyazbank	PSB Day	no on IIS	no on IIS
4	BKS	BKS-Start	17,5%	14%
5	Sberbank	Independent	17%	15%
6	VTB24	Investor standard	18.9%	16,8%
7	ATON	Universal	19.5%	19.5%

№	Broker	Rate	Bonds on the Moscow Exchange
			Withdrawal of coupons*	Offer price*	Loan under OFZ*
1	FINAM	Single daily	Yes	Commission on turnover	Yes
2	Opening	Independent_IIS	No	1500 rub. for the application	Yes
3	Promsvyazbank	PSB Day	No	300 rub. per issue	No
4	BKS	BKS-Start	Yes	Commission on turnover	Yes
5	Sberbank	Independent	No	Commission on turnover	No
6	VTB24	Investor standard	Yes	Commission on turnover	No
7	ATON	Universal	No	no data	no data

№	Broker	Rate	Programs for iOS and Android
			Your own free	WEB-Quik mobile	PocketQuik, iQuik, Android
1	FINAM	Single daily	Finamtrade	350 rub/month.	350 rub./month.
2	Opening	Independent_IIS	No	250 rub./month*	250 rub./month*
3	Promsvyazbank	PSB Day	No	0	No
4	BKS	BKS-Start	My broker*	250 rub./month*	200 rub./month*
5	Sberbank	Independent	No	No	850 rub.*
6	VTB24	Investor standard	No	0	1900 rub.+290 rub./month*
7	ATON	Universal	No	No	for free*

№	Broker	Rate	Derivatives market (FORTS)		Foreign exchange market (SELT)
			Basic fee	With increasing turnover	up to 1,000,000	up to 5,000,000
1	FINAM	Single daily	45 kopecks	45 kopecks	0,0361%	0,0302%
2	Opening	Independent_IIS	71 kop.*	47 kopecks	0,035%	0,035%
3	Promsvyazbank	PSB Day	no on IIS	no on IIS	no on IIS	no on IIS
4	BKS	BKS-Start (Currency start)	70 kop.*	40 kopecks	0,034%	0,028%
5	Sberbank	Independent	50 kopecks	50 kopecks	no on IIS	no on IIS
6	VTB24	Investor standard	1 rub.	1 rub.	no on IIS	no on IIS
7	ATON	Universal	0.93-2.5 rub.*	0.465-1.25 rub.	no on IIS	no on IIS

№	Broker	Interesting, in the opinion of the editors of the site, products offered by investment companies for IIS
		No risk*	With different levels of risk
1	FINAM	5% on available balance	Autofollowing strategies on comon.ru from 80,000 rubles, 4 strategies through Finam Management from 300,000 rubles.
2	Opening	Structured product with capital protection, from 250,000 rubles	8 strategies (3 conservative) from 50,000 rubles. Implemented through LLC Management Company “OTKRITIE”
3	Promsvyazbank	–	–
4	VTB24	–	4 auto-following strategies through a broker, from 300,000 rubles
5	BKS	Notes (ETN) 3 and 5, from 80,000 rubles	–
6	Sberbank	–	2 conservative strategies from 100,000 rubles, through
7	ATON	–	4 strategies from 50,000 rubles (purchase of shares of mutual funds managed by Aton-Management Management LLC)

What do management companies (MCs) offer for IIS?

In the top table, brokerage divisions are highlighted, and in this table there are managers included in the same groups. All holdings have different policies regarding individual investment accounts. Basically, the “one window principle” does not work. Sberbank opens independently of its management company (read: they compete). Alfa-Bank and Alfa-Capital are just as different, but the bank does not work with IIS itself at all (only as an agent of Alfa-Capital). BCS does not particularly promote investment accounts through the management company. Finam is a promoter, but also, first and foremost, a broker. Otkrytie, apparently, is working a little more actively with its management company, because... all products are sold through it. ATON is represented by one company in both tables, because Through it, brokerage services and asset management are provided in the form of purchasing shares of its own mutual funds. At VTB24 and Promsvyazbank, management companies do not open investment accounts. RGS Investments offers only trust management on IIS, like Alfa.

Basic Costs

№	Management company	Minimum amount	Online opening of IIS	Number of strategies	Minimum replenishment
1	LLC Management Company “OTKRITIE”	50 000	No	9	15 000
2	LLC Management Company “Alfa Capital”	10 000	Yes	3	10 000
3	LLC Management Company “Finam Management”	300 000	No	4	any amount
4	JSC Management Company “Sberbank Asset Management”	100 000	No	2	50 000
5	LLC IC “ATON”	50 000	Yes	4	any amount
6	LLC IC “RGS Investments”	50 000	No	1	any amount

№	Management company	Payment based on NAV, % per annum	Fee for termination before 3 years	Payment from investment income	Payment from deposited funds
1	LLC Management Company “OTKRITIE”	0,8-1,5%	0	0-15%	0
2	LLC Management Company “Alfa Capital”	2%	0	0	2%
3	LLC Management Company “Finam Management”	1-2%	0	10%	0
4	JSC Management Company “Sberbank Asset Management”	2%	1%	0	0
5	LLC IC “ATON”	1.5-4.2%*	3%*	0	1,5%
6	LLC IC “RGS Investments”	1,5%	0	0	3,5%

Quality of telephone consultation

This is, naturally, a subjective indicator. We understand that in every company there are many professionals who have an excellent command of the material, but over this year, the site’s editorial specialists have communicated more than once with the managers of the brokers represented and a certain collective opinion has emerged. Based on it, we assigned places. We consider the most significant criterion to be a thorough knowledge of your tariffs and capabilities, then the ability to work with the question posed (for example, the manager takes time to clarify and calls back, having found out everything), the next point is an understanding of the market (at least to some extent) the client can be told about the value dividends, coupons, about the fastest growing stocks, about the profitability of your products, finally. We paid less attention, so to speak, to the personal qualities of the company’s managers, but, naturally, we do not welcome excessive intrusiveness, slyness, the desire to keep silent about weaknesses, banal lies and other tools on which sales have been based since ancient times. In this regard, the highest quality preliminary consultation is a competent mention of the strengths of the company’s product, the ability to answer any question about the cost of related services, the desire (ability) to offer the client best option work with the company and all this in a concise form, without saying anything stupid (!). That’s right, because you don’t always get the feeling that you’ve talked to a specialist. Additionally, we would like to note that the quality of work with current clients and the difficulties they encounter, for example in trading, can turn everything upside down. We repeat once again - these are assessments for how managers can provide consultations over the phone at the preliminary stage.

Place	Company	Number of calls in 2016	Comment
1	BKS	over 10	Only once did I get a novice manager, but there were cases when the consultants surprised me with their knowledge. You can try switching to an experienced one, saying that you need a financial advisor. They are, as a rule, prepared guys. To be honest, ask how much better preparedness the BCS specialists are – let’s say not by much, but still. When opening an account remotely, managers call back.
2	VTB24	5	The experience of communicating with VTB24 is positive. We call and ask to connect with different regions - everyone gives good advice. True, like many people, they know only superficially about their autofollowing strategies.
3	Finam	over 10	More often than not, newbies come across BCS; they have never been surprised by the quality of the consultation, but they work well in terms of returning calls on the case and general assistance to the client. Managers know about products, for example, strategies on comon.ru and can selectively tell you about them. When opening an account remotely, we did not receive a call.
4	Sberbank	6-7	Often a trained specialist comes across. We call, either to Moscow or to St. Petersburg. Also, often the telephone numbers in branches (listed on the website) do not answer.
5	Alfa Capital	4-5	There is always complete clarity after a conversation with company employees, but products for IIS are built in such a way that it is impossible to load the operator. Everything is easy and simple. This is not only a managerial plus. However, they almost never really know about the composition of the portfolio in strategies.
6	Opening	7-8	More often than not, newbies come across BCS; they have never been surprised by the quality of the consultation. Several times we came across very unmotivated operators. When opening an account remotely, we did not receive a call.
7	Promsvyazbank	4	Only once did I come across an experienced specialist. When requesting on the website, they sometimes don’t call back.
8	ATON	3	After the first consultation there was a lot of “fog”. The second and third also did not clarify some points, and during the 3rd conversation they “piled up” the bills too specifically, which was confusing.

It can also be noted that the quality and awareness of broker managers is much higher than in management companies, which was quite surprising. Additionally, they noted that the advantage of banks may be a smaller amount of data on services, which is most likely why communication with VTB and Sberbank managers is easier. It’s inconvenient for Sberbank that the bank (brokerage department) knows nothing about the management company, and it doesn’t know anything about them. RGS Investments called only 1 time, so they are not counted.

Conclusions obtained from a comparison of companies

In this block, we will highlight several leaders who are most suitable for a particular investment model, and also describe some of the nuances.

Maximum choice of services State banks Asset Management Low costs

Company

To attract investments for the prosperity of the stock market, a special type of IIS accounts was created in 2015. The system has a number of advantages and nuances, but not everyone knows what it is and how to use this account.

What is IIS and how does it work?

Many people do not understand what an individual investment account is. IIS is a brokerage type of account that allows you to invest money in the market through bonds, futures, mutual funds, or entrust this matter to a management company. Opening an account is available to every citizen. To do this, you need to contact a brokerage or investment company. Today, even banking organizations provide such a service.

But do not confuse a regular brokerage account with an IIS, since there are a number of differences between them:

1. It is impossible to open several IIS. You can only transfer an account from one company to another
2. You can deposit no more than 400,000 rubles per year into an IIS. Only ruble equivalent is allowed
3. To receive tax deductions, opening an IIS is only allowed for a period of at least three years.

If a citizen is officially employed and has his own savings, then he needs to directly think about investing. At the end of the three-year period, the profitability of the investment account can reach up to 100%. First of all, you need to choose the right brokerage company that will ensure the reliability and security of your deposits:

1. By contacting an organization to open an account, you can independently take part in investing your own financial resources. A special order is formed, carried out by an intermediate link (called an intermediary). On behalf of the intermediary, he will invest funds in those organizations that the account owner deems necessary. This could be FINAM, KIT Finance, Otkritie or Sberbank
2. Where the investment will be made and in what project depends on the management company, but with the permission of the account owner. The investor transfers his monetary assets to an intermediary for use. His participation is limited to deciding what risks and losses the account holder may incur
3. To organize and open an account with a commercial bank or a specialized brokerage company, you must enter into a formal agreement (agreement) with it. Prepare the required package of documents and submit to tax authority. The package of documents consists of the following: a certified agreement with the company, a certificate from the account opening, bank details with the full name of the organization, an application for tax deduction compensation.

Many investors are wondering how much profit can be earned on IIS. Profitability depends little on their actions. In practice, most investors are forced to retain financial assets through trust management. They don't accept independent decision, for what investments and in what projects the funds will be invested. A reward of 13% can only be received if the investor deposits money into the account for three years.

Returns depend on increases in investment value, but with these rates often comes increased risk. In this situation, the investor independently decides where to invest his assets: in risky projects and get maximum profit, or take care of his own safety and choose less profitable investment projects.

The second option involves receiving income with subsequent exemption from income tax.

The minimum period of operation of the account is three years. Upon completion, it is not necessary to close the account or withdraw financial assets. Its operation continues and generates profitability. It is possible to independently organize the funded part of your pension.

Advantages of IIS

IIS has the following advantages:

1. By investing Russian rubles, each investor can receive 13% of the deposit amount once every three years. If the IIS continues to operate for three years, then 4.3% per year is due
2. Using an IIS, you can make any transactions with bonds and share packages, which is impossible when opening a bank account. If the investor does right choice and invest in securities, the value of which will begin to gradually increase, then you can count on receiving more profit than from a bank account
3. If the investor works officially, then he has the right to refund income tax at the rate of 13%. As a rule, the tax deduction amount is no more than 52,000 rubles annually.

When thinking about whether an IIS or a brokerage account is better, you should analyze the disadvantages of an individual inversion account.

Disadvantages of an Individual Investment Account

However, IIS is not without the following nuances:

1. Financial assets deposited into an IIS account do not have insurance, compared with a bank deposit
2. It is not recommended to withdraw monetary assets for three years, otherwise all payments and tax refunds will be canceled
3. The maximum contribution amount for the year is no more than 1,000,000 rubles (after the adopted amendment). In this case, the tax deduction will still be calculated from the amount of 400,000 rubles. It is advisable to divide the amount by the annual replenishment so that it exceeds 400,000 rubles.

Where is the best place to open an IIS?

Based on information received from the Moscow Exchange, about 200,000 IIS accounts are opened in the following companies:

Name	Opportunities for opening online	Minimum contribution, rub	Payment per month, rub	Commission on turnover, %
Sberbank	No	0	150	0,16
Finam	There is	5000	177	0,03
Opening		0	200	0,04

To protect yourself from unnecessary risks, it is recommended to open IIS accounts only in trusted brokerage companies that occupy top positions in the list of stock exchanges. Since the market is just beginning to actively develop, there are companies in this area that engage in fraudulent activities.

IIS is a modern way to increase the amount of your own savings. In Russia, the brokerage market is just beginning to develop, so every year the number of management companies increases by geometric progression, but it is recommended to enter into contracts only with those companies that have previously received a license.

Video “Tricks of using an individual investment account (IIA) - Andrey Vanin”