People's rating of Banki.ru - reviews of investment products of SberBank, opinions of users and clients of the bank

What is special about investment deposits at Sberbank?

This type of deposit differs from a regular deposit.

A simple deposit provides a predetermined return, while an investment deposit sometimes allows you to get much more than expected. But it is impossible to predetermine this, so this type of investment is considered riskier.

It happens like this:

a citizen comes to the bank and expresses a desire to make an investment;
he is offered a choice of one of three promising programs in which he can invest;
after the conclusion of the relevant agreement and transfer of money, the funds are handled by a professional team working towards the development of the chosen program;
when the work is completed, the investor receives his investment back with income.

The risk is that the program may not work as effectively as expected. In this case, there will be no additional money.

Comments: 4

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Author of the article: Klavdiya Treskova

Consultant, author Popovich Anna

Financial author Olga Pikhotskaya

Yaroslav
01/23/2021 at 11:28 What is the frequency of accrual of dividends in the IIS of Sberbank (savings) or other banks, once a year, quarterly, etc. I can’t find it anywhere. Thanks in advance.
Reply ↓ Anna Popovich
01/24/2021 at 14:51
Dear Yaroslav, since the declaration in form 3-NDFL is submitted to the tax office no later than April 30 of the year following the reporting year, we can conclude that the accrual occurs once a year.
Reply ↓

Basil
03/18/2020 at 10:36

After three years, is there a need to close the IIS? In order to use tax deductions for the next three years.

Reply ↓

Anna Popovich

Dear Vasily, if your IIS has existed for three years, then it is not necessary to close it - you will be able to receive a tax deduction every year. The need to close an IIS after 3 years is usually dictated by the fact that there is a need to free up the funds that are on it.

Reply ↓

About investment programs

Most of the invested capital is guaranteed, is profitable and is invested in assets that allow you to make a profit, regardless of the financial situation in the country.

These are:

deposits in Sberbank and other reliable financial institutions;
federal loan bonds;
corporate bonds.

The remaining funds are invested in existing ideas - the investor chooses where his money will go and what type of account he will open in Sberbank.

They may be as follows:

New technologies. Money is invested in developing companies that develop and implement innovative ideas. Capital is protected.
Global Bond Fund. Money is invested in securities of the world market. 85% of the asset consists of shares and bonds of reliable companies, the rest - in companies of less wealthy ones.
US consumer market. Deposits work for the development of companies producing consumer goods through the acquisition of shares. Fluctuations in the foreign exchange market may provide additional opportunities for profit.

In case of unsuccessful transactions with money, the investment is expected to be returned.

Customer Reviews in 2021

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.

Procedure for registering an investment deposit

An investment deposit can only be made in person at some Sberbank branches. This cannot be done remotely.

The investor chooses one of the methods offered by the bank:

making an investment from a brokerage account
investing with the help of a manager provided by the bank.

To make an investment in Sberbank, you need:

choose a suitable department;
visit it, have your passport with you;
choose a fund in which the risk share of capital will be invested;
enter into an agreement with the bank.

Moreover, depending on the strategy that the investor intends to adhere to, he acts in different ways:

Brokerage individual investment account - transfer money from 1 thousand to 1 million to it and invest it:
in any shares and other assets of the stock market;
into ready-made investment developments.
Opening one investment account with trust management is a convenient way for those who do not have sufficient knowledge themselves. It is distinguished by high liquidity of assets, as well as the quality of fund management, which is ensured by the Sberbank team.
Use the minimal risk “Accumulative” strategy.

Money is transferred to the account in any convenient way, deposited in cash. After concluding an agreement, the client is provided with data for using Sberbank Online; money can be deposited remotely later. Account management is also carried out online.

It is recommended to obtain detailed consultation in advance, for which you can use any method of communication with specialists:

by calling the hotline in Russia;
by number for calls from another country;
for feedback - for this you need to leave a request.

Choosing a strategy

You can manage funds personally or entrust transactions through IIS to a professional broker. When choosing an independent management method, clients can choose from two types of tariff plans:

Investment. Initial investments range from 90,000 to 1,000,000 rubles.
Independent. You can start investing with less impressive amounts of 50,000 and increase to 1,000,000 rubles per year.

They differ in the list of available services and service fees. When transferring account management to a broker, the client also chooses between two strategies:

Cumulative. Investments are made in bonds, shares and other securities of Russian and foreign companies. Estimated profitability is 15-17%.
Russian shares. The object of investment is only shares of domestic companies and holdings. Estimated profitability is 10-15%.

For those who want to make money by investing, Sberbank also offers ready-made programs with portfolios of different returns and risk groups:

No.	Name	Profitability	Risk level
1	Conservative	12,3	Minimum
2	Balanced	14,2	Average
3	Aggressive	16,5	High

Portfolios are equipped with government bonds, investment bonds of Sberbank, ETF shares, securities of Russian and foreign organizations and holdings.

Pros and cons of investing

The main positive aspects of opening an investment account:

the opportunity to save your own money by returning a tax deduction in the amount of up to 52,000 rubles;
carry out transactions with securities with high liquidity;
continue to use the investment account and earn money with it after the minimum period of 36 months has expired.

Sberbank helps its clients master the basics of investing. To do this, IIS owners can:

take part in free courses, seminars and master classes;
receive income from investments in shares, bonds and other financial instruments on stock exchanges in Moscow;
install the application on your iPhone, iPad or laptop, and carry out transactions from anywhere in the world;
make investments in exchange-traded structured bonds from Sberbank.

Negative points for IIS users:

high risk for newcomers to the investment market;
blocking of funds in the account; withdrawal of invested funds placed on an IIS is prohibited for 36 months;
payment for brokerage services: it is risky to carry out transactions yourself; you will have to pay experienced trading participants for intermediation in the exchange markets.

What to invest in

The investment process in a simplified sense looks like this:

the client buys securities;
sells them when market value changes;
buys new assets and stores them until their prices rise.

From Sberbank, clients can enter the following markets:

stock;
over-the-counter;
currency;
urgent.

What do they sell?

These markets trade different securities:

No.	Name of the security	Description	Characteristics
1	Shares of Russian organizations	Gives the owner the right to participate in the management of the company and receive income from profits in the form of dividends.	By placing shares for sale, the owner receives investment from attracting new capital. The owner of the share receives income in the form of dividends and the difference from the exchange price of the share.
2	Shares of foreign organizations	Purchasing shares of famous world brands on the over-the-counter market.	Sberbank works with securities of world-famous companies Apple, Facebook, Google. The transaction is characterized by the fact that there is no mediation by brokers.
3	Bonds	Securities issued by a government or company. The issuer of a bond is obligated to pay income or interest on a specified date or period.	The issuing company that issues the bonds raises new capital. And the buyer of a bond has the right to expect to receive a guaranteed income on the investment.
4	ETF. Exchange traded funds	Industry securities issued by international companies.	Owners of industry shares can invest in foreign companies without leaving Russia. To start working on this exchange, it is enough to buy shares in the amount of 500 rubles. Transparent growth stock structure with high returns.
5	Futures and options	Under a futures agreement, the supplier undertakes to deliver the goods and the buyer to pay at a pre-agreed price. An option contact is an obligation to sell or repurchase a security or asset at a fixed price within a specified period.	Clear terms and conditions protect the client from price fluctuations. The opportunity to receive income from the difference when purchasing and subsequently selling an asset.
6	Eurobonds	Issued by states or global holdings in one or more currencies.	All settlements for these shares are tied to currency and are protected in the event of a ruble collapse. High reliability of bidders; only companies with ratings confirmed by international agencies enter the market.

How to close an investment deposit

Early termination of an investment agreement is unprofitable and is accompanied by losses. If, due to current circumstances, you still have to withdraw funds, you can do this by personally writing a statement. You must indicate the reason for this action.

The income received up to this point will be spent on paying for banking services. The invested funds will be returned in full if the money has been in the account for at least 2 years. When the deposit amount is up to 400 thousand rubles, the likelihood of returning an incomplete amount of investment increases.

At the end of the agreement, the account is closed if the owner of the investment decides to withdraw the money.

Two types of deduction

A description of the types of income tax deductions is presented in the table:

No.	Account type	Description of conditions
1	Type A. With deduction for payments made	During the period of using IIS, there must be taxable official income at a rate of 13%, for example, salary. The maximum deduction amount compensated by the state is 52,000 rubles, i.e. 13% is returned only from the amount of 400 thousand. If the client deposits 1 million rubles, then the remaining 600 thousand are not subject to deduction. If the account is closed early, before the expiration of 36 months, the right to the state deduction disappears.
2	Type B. With deduction for income received	There is no tax on income received from investing. After completing the investment program after 3 years, the client has the right to claim a personal income tax deduction for the entire amount of income received on investments. If the IIS is closed before the expiration of 36 months, the client loses the right to the benefit.

Advantages and disadvantages

There are positive and negative aspects to this method of generating passive income that you need to think about and weigh before investing.

The positive aspects are the possibility of generating income, own insurance and complete protection of the invested money.

The disadvantages include several points that need to be objectively assessed and taken into account:

the amount of income is unpredictable;
if the market situation is unfavorable, the return on investment may even be negative, although the deposit will be returned in full, since the client’s money is 100% protected;
termination of the contract is extremely unprofitable;
the deposit in the usual sense of the word is not insured.

To objectively assess the effectiveness of investment, you need to understand what an investment deposit in Sberbank of Russia is. This is not a deposit, but a different, more mobile and unpredictable way of investing funds. This explains some reviews from disappointed customers who did not receive the expected income.

To reduce the risk of large financial losses, it is recommended to take into account several recommendations:

do not change the program too often - often investors withdraw money from funds right before the rise;
fixing income immediately after receipt reduces the capitalization effect;
dollars are more profitable than rubles;
Treating an investment as an insurance policy reduces expectations that are too high.

You need to be calm about short-term losses in your investment. This is a long-term investment that may fluctuate.

Tinkoff Investments or Sberbank Investor

Sberbank Investor is not the only application on the market created to simplify access to financial instruments even for beginners. The application has many competitors, but Tinkoff Investments especially stands out. It was originally created in cooperation between BCS and Tinkoff, but now the latter is developing completely independently. Read the main review of Tinkoff Investments.

Why Tinkoff Investments is better than Sberbank Investor

The capabilities of the Tinkoff Investments application are in many ways similar to Sberbank Investor, but it has a number of advantages:

Remote contract conclusion for everyone. All documents will be delivered by courier, even if you do not yet have a valid Tinkoff card.
More sophisticated interface. Traditionally, Tinkoff services receive many awards as the most convenient for users.
Improved operational reliability. In reviews of Sberbank Investor, users often report failures; for Tinkoff Investments there are significantly fewer of them.
Wider range of tariffs. Tinkoff has 3 of them, not 2, and they are more adapted to different categories of investors with different turnover.
Possibility of free service. At all Tinkoff tariffs, depository services are provided free of charge, and you do not have to pay for account maintenance if there is no operation or if certain conditions are met.

Open a Tinkoff Investments account and receive a bonus of 1000 rubles

Required documents

Unlike applying for a loan, opening an IIS does not require a special package of documents: Sberbank will not assign a credit rating or associate you with an employer. All you need to take with you is:

Passport;
SNILS.

Already on site, a Sberbank employee will issue a personal questionnaire and attachments to it, an agreement on opening a brokerage account, a table with codes and an act of acceptance and transfer (to confirm transactions on the investment account). The fact that the IIS is open will be reported via SMS and notification in your personal account.

Promotions for training from Tinkoff

Open an account

Where can I find better rates for brokerage services for IIS?

No matter how interesting Sberbank is, in terms of conditions and reliability, it cannot be called the most profitable broker of all. There are more interesting options. To find them, the reader is recommended to carefully study third-party resources and take a closer look at all the brokers that exist. At the very least, it is also worth paying attention to: VTB, Tinkoff and BCS Broker. The latter, by the way, is considered the most profitable of all. Why does this happen and where does such confidence come from? It's worth finding out right now.

How to work in the application, buy and sell assets?

Sberbank has developed detailed instructions for users of the service - the manual for each operating system takes up over 30 pages. The main menu includes tabs “My Accounts”, “Market”, “Ideas”, “Orders”, “Other”. To make a transaction with an asset:

Go to the "Market" section.
Select the desired category - “Stocks”, “US Stocks”, “Bonds”, “Funds”, “Currency”.
Check out the offers, price and changes in quotes (positive or negative).
Click on the position you are interested in and click “Buy” or “Sell”.
Set the amount of assets and confirm the transaction.

If the order has not yet been executed, and the user has changed his mind, you can go to the “Orders” section, touch and hold the name of the operation for a couple of seconds, and then click “Delete”. Analytics is available for all operations; you can set up automatic notifications when currency or security quotes change.