Mutual investment fund "Sberbank Biotechnology"

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Updated: February 3, 2021

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At the time of writing, the cost of a Biotechnology share is 1,024 rubles.

Author of the article:

Anton Subbotin

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• Investments in biotechnology from Sberbank
• Investment conditions
• The cost of a Sberbank Biotechnology share today and over time
• conclusions

Mutual funds are a popular investment option for new and experienced investors. A mutual fund is formed through a collective injection of funds and the creation of a diversified “portfolio” consisting of different assets.

The shareholder only needs to select a suitable fund and allocate a certain amount to purchase a share. The selection of tools for earning money is carried out by qualified specialists of the management company (MC).

They take on the entire cycle of work: from analyzing stock indices, the real estate market, etc. before tax transactions. Investing in mutual funds can bring passive income, but you need to periodically monitor the dynamics of the share price so as not to miss growth points. During periods of rapid activity, the investor has the opportunity to sell his share in the fund at the peak of value.

There are a large number of mutual funds and a huge selection of management companies on the Russian investment market. Beginning entrepreneurs get lost in this diversity and cannot choose partners to earn money.

Sberbank Asset Management is considered one of the most reputable management companies. The company has been on the market since 1996, and its “portfolio” includes several dozen funds with different levels of profitability. The Sberbank Biotechnologies Mutual Fund is considered promising, as it focuses on technology startups and organizations in the pharmaceutical industry.

The underlying asset is the foreign fund iShares, which invests money in securities of biotechnological corporations. In the article we will figure out whether it is worth buying a share in this Sberbank mutual fund or whether it is better to take a closer look at other investment projects.

What is Mutual Fund "Biotechnologies"

Mutual Fund "Biotechnologies" is one of the options for collective investment of individuals in the assets of the foreign investment fund iShares Nasdaq Biotechnology ETF.
Biotechnology is a market with high potential in the global financial arena. By investing savings, the client takes part in trading in securities, but not directly, but with the help of a professional manager of a collective investment portfolio. By investing in the fund, the investor can count on the following benefits:

• asset management is carried out by professional portfolio managers without the personal participation of the investor;
• the ability to obtain information about the current status of the deposit on the official website online, as well as in printed form when contacting a bank branch in person;
• risk diversification;
• The liquidity of the asset allows shares to be sold at market value at any time at the initiative of the investor.

In addition, it is possible to view quotes and price charts on stock market trading platforms called the Nasdaq Biotechnology Index. The fund's assets include shares of the largest pharmaceutical companies and biotechnological enterprises that specialize in the development of innovative medical products. Consequently, this sector does not depend on a number of macroeconomic factors and associated risks.

Why Biotechnology?

Sberbank mutual funds differ among others by the highest profitability. But how can you decide which one to invest in? Their profitability is different, so you need to go to the website of Sberbank Asset Management CJSC in advance and look at statistical data for each fund. This data will allow you to make the right decision about the advisability of investing. It doesn't hurt to study reviews from other investors. It is worth noting that they are predominantly positive regarding the level of risk, profitability of investments and the reliability of the management company.

Investing in Mutual Fund Biotechnology means investing money in the development of new biotechnology and pharmaceutical products. Not only domestic but also foreign corporations operate in this industry. Investments from Sberbank Mutual Fund investors will go to the famous American fund iShares NASDAQ .

Biotechnology is better in the sense that in this case there is no influence of economic factors, which means that the risk of losing funds is much less. The prospects are excellent, since it is difficult to imagine that in the future humanity will live without a single disease.

There is still a considerable risk, because not all projects become successful; this may be one project out of a hundred. But this does not mean that the investor takes such a risk, because the portfolio is diversified, funds are invested in several programs at once. Success is guaranteed if a competent specialist is involved in the formation of an investment portfolio.

The goal of the Sberbank Biotechnology Fund

The main goal of the fund is to profit from such investments in the long term.

Before investing in this mutual fund, you should familiarize yourself with the profitability statistics over the past few years. The bank's official website provides information according to which over the past 2 years investors have suffered losses, the total value of which exceeded the 50% level. However, one should not rush to conclusions. If we expand the statistics to 3 years, it turns out that the total return on investment was more than 300%. This indicates good prospects for investment at the present time. The downward trend that has been observed over the past 2 years can be interpreted as a correction. Based on this, it is recommended to consider investments in mutual funds “Sberbank - Biotechnologies” exclusively as part of an investment portfolio.

Sberbank Asset Management Mutual Funds

CJSC Sberbank Asset Management has been operating in the Russian market for 20 years. As we wrote earlier, this company ranks first in the ratings of Russian investment organizations.

Mutual Fund Asset Management offers the following benefits to investors:

• Authority - the investor can be sure that this company will not disappear along with the money
• Reliability and safety of funds in the hands of professionals
• Profitability - throughout its history, this mutual fund has shown good profitability

Sberbank Asset Management Mutual funds offer private investors the best conditions. Being the main bank of the Russian Federation, Sberbank can boast of reliability and professionalism, which is observed in the not too high, but very stable profitability of the mutual fund. This company is the best option for cautious and skeptical investors just starting out.

Sberbank Asset Management Mutual Funds - Advantages:

• Diversification of funds - Since Sberbank mutual funds number several dozen, ranging from aggressive trading to conservative and low-risk ones. Sberbank has different types of Mutual Investment Funds.
• Public availability - The amount of the first payment is small, therefore even novice investors can invest their funds in Sberbank mutual funds.
• Sberbank Asset Management Mutual Funds profitability - Although the profit of this company is not large, stable upward growth and monthly payments cover this minus.
• Professional trading through the use of modern tools.
• Transparency - the company accounts for all its actions with investor funds and provides a complete report of financial transactions.

Sberbank Asset Management Mutual Funds Biotechnology and Others - Conditions for investors

• The minimum investment for an investor is 15 thousand rubles, which is essentially very little money for such a serious company. If you have that kind of money, then you can invest long-term in Sberbank mutual funds without fear of losing your money.
• The minimum amount of money to purchase shares of Sberbank Mutual Fund, provided that you are already an investor, is 1,500 rubles.

Becoming an investor is also very easy

:

1. Come to any Sberbank branch at your address.
2. Choose a Mutual Investment Fund that you like. For example, Sberbank asset management Mutual funds Ilya Muromets
3. Review and sign the documents issued by the operator.
4. Transfer the amount of money you invest to your Sberbank account.
5. Afterwards you will have your own Sberbank asset management PIF personal account.

Also very popular is the Sberbank Asset Management Mutual Funds global Internet service, which will give you the opportunity to monitor your investments everywhere.

Investment fund strategy

According to data presented on the official website of Sberbank, collective investments of individuals are directed to the foreign fund iShares Nasdaq Biotechnology ETF. It includes the assets of successful companies that specialize in the development of the latest and effective medical drugs for various purposes. But, unfortunately, not everything is so simple. The fund's strategy is the opposite of the basic trading tactics applicable to ETFs and is more speculative in nature. The price chart of the iShares Nasdaq Biotechnology index in the long term differs significantly from the mutual fund profitability chart presented on the Sberbank website, which indicates that the managers’ approach to trading is not entirely competent. This is confirmed by negative reviews from investors, the contents of which can be found on specialized information resources.

Since 2021, the management of this asset has changed, which gives rise to more optimistic forecasts regarding potential profitability. Therefore, it is still worth considering the Sberbank-Biotechnologies mutual fund. In accordance with the norms for diversifying an investment portfolio, the recommended investment volume should be no more than 10% of the total capital. To attract the attention of customers, at the initiative of the bank's management, the minimum investment threshold was significantly reduced. Today, the cost of mutual funds “Sberbank-Biotechnologies” is 1000 rubles, with the market value of the share at the time of writing of this article being 954.91 in rubles. It is also worth noting that over the past few months the unit’s return has been almost 10%.

List of mutual funds Sberbank Asset Management

Funds without links are inactive

Investment conditions

The minimum investment amount is 1,000 rubles when purchasing shares through a mobile application or on the bank’s official website. If you contact the office in person, the minimum investment level will be 15,000 rubles. Additional investments are provided at the initiative of the investor in the amount of at least 1000 rubles. Before purchasing assets, you should familiarize yourself with the terms of commission fees:

• 1% for transaction amount up to 3,000,000 rubles;
• 0.5% if shares are purchased for an amount exceeding RUB 3,000,000.

If such assets were purchased after January 1, 2014 and were owned for at least 3 years, then the profit received in the process of investment activities is not taxed. Net income should be no more than 3 million rubles.

When selling shares, you should be aware that profits are subject to a commission fee:

• 2% if the assets were owned for less than 6 months;
• 1% when holding shares from 181 to 731 days;
• no commission is charged if the investor has held the asset for more than 2 years.

It is also recommended that you familiarize yourself with the management rules before making a deposit. The document is presented on the official page of the fund. It details all the costs and associated expenses that may arise when managing collective funds.

When visiting the office to purchase a mutual fund, you should be prepared to do the following:

• with the help of an employee, draw up an investment portfolio, or insist on your desire to invest in the Biotechnologies Mutual Fund (permissible if there are other assets under management);
• fill out an application for the acquisition of an asset, in which you will need to indicate the amount of initial investments, the amount of additional investments and their frequency, as well as the total term of the deposit;
• open a separate account to which profits from investments will be received;
• pay for the purchase of shares in cash or by transfer using the details provided. No commission is charged.

The recommended investment period in the Sberbank-Biotechnologies mutual fund is at least 3 years.

How mutual funds work

Management companies are designed to manage the finances collected by investors.
They work under a trust management agreement. Management companies are a team of qualified financial professionals who have special knowledge that is not available to ordinary investors. Their main activity is the analysis of external and internal factors, monitoring the state of various sectors of the stock market and making decisions on investing the fund's monetary assets where the maximum income can be obtained. This income can come from:

• purchases and sales of securities;
• real estate transactions (purchase, sale, rental);
• investments in various projects;
• transactions with foreign currencies;
• other types of activities permitted by law.

The activities of mutual funds are controlled by government agencies, and, first of all, by the Central Bank of the Russian Federation. You should know that the activities of such companies must be transparent - these are the requirements of Russian legislation. Therefore, all information about the activities of each fund is necessarily published in print media and on official resources on the Internet.

All this reduces the possibility of creating fraudulent schemes under the guise of mutual funds to almost zero.

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Personal account features

Data for accessing your personal account to track your account status and carry out financial transactions can be obtained when registering a deposit at a bank office. If the investor is an existing client of Sberbank, then the procedure can be completed using the Sberbank Online mobile application. In this case, you will need to come up with an access code yourself and confirm the action by entering a verification code, which will be automatically sent by the system in the form of an SMS message.

Using your personal account will allow you to regularly monitor your account status and, if desired, sell shares ahead of schedule or, conversely, extend the investment period. In some cases, it is permissible to withdraw part of the funds. This should be discussed individually with a bank employee when making a deposit.

In addition, in the investor’s personal account you can find a convenient calculator, which can be used to calculate the level of potential income to make the final decision regarding the deposit.

How to buy Sberbank mutual funds?

You can purchase shares in 2 ways:

• when visiting a Sberbank office with a Premier service area (you must have a passport with you, the minimum investment amount is from 15,000 rubles);
• in your personal account on the website of the management company sberbank-am.ru (minimum for investments - 1000 rubles).

How to buy mutual funds from Sberbank online? To purchase shares, follow these steps:

1. Go to the website sberbank-am.ru
2. In the upper right corner, click on the “Personal Account” tab.
3. Enter your password to log into your account. You can gain access through your personal account on the State Services portal. In the first case, you need to click on the “Government Services” link and then on the “Continue” button.

Login to your Sberbank personal account

Within 5 business days after paying for the purchase, in the investor’s personal account in the “Portfolio” section, you will have information about the purchased shares and a graphical structure of the portfolio will appear. Until this moment, the status of the operation can be tracked in the “History” section - “Operation History”, where you can see that the application is at the “Processing” stage. You will receive an SMS confirmation of the purchase of shares to the specified contact phone number. After this, in the “Portfolio” section you will be able to track online the current value of shares and the amount of profit.

Benefits of cooperation and customer reviews

The main advantages of this deposit include good prospects for the long-term development of the mutual fund price and the ability to monitor the account status around the clock. A good advantage is also the low starting investment threshold.

Investor reviews of the Sberbank-Biotechnologies fund are mostly negative. This is due to a capital drawdown of almost 50% over the past 2 years. However, if you pay attention to the profitability over the last 2-3 months, you will see a more optimistic forecast. This financial instrument should be considered as a subject for long-term investment. This is also facilitated by the high growth potential of the assets of the companies included in the iShares Nasdaq Biotechnology ETF.

Mutual Fund "Sberbank-Biotechnologies" is a financial instrument with high potential. The only and main disadvantage is the speculative approach to asset management by managers. Unfortunately, the details of the applicable trading strategy are not disclosed by employees, leaving investors to only guess. However, the positive trend that has been observed recently gives every reason to believe that the trading approach is changing. Investors should be patient and monitor the further development of these shares. It is worth investing if the expected return is confirmed, which is at least 18% per annum.

Global Internet - Sberbank Mutual Fund

This investment project is very risky, but more and more investors want to contribute their funding to software development, as well as to support those people who are engaged in activities on the World Wide Web. Recently, this type of activity has been gaining popularity and is showing stable growth in shares, but risks remain. In this direction, investment funds go not only to Russian needs, but also to the needs of foreign enterprises. The average period of this investment activity is 3 years. As for the risk, if the price of shares falls, it will be for a short period of time because everything depends on fluctuations in the world market.

Strategic decisions of the fund

Investment of funds is carried out in units (shares) of foreign investment capital, which today is called Shares Biotechnology ETF. The structural part of the active areas of this fund is traditionally represented by the index of the same name. An important role is played by ordinary and preferred shares of foreign companies issuing securities, which are also part of this fund. Investing financial assets in this niche is recommended as an element of the overall portfolio.

How to become a member, reviews

Since the Sberbank Biotechnology mutual fund is still quite young, reviews about it are not clear. And the actual values ​​have not yet been displayed. In order to become an investor, you need to contact a bank branch that provides investment services. A list of such bank branches can be requested by calling the Sberbank hotline or found on the website. For consultations. At a Sberbank branch you must go through the following procedure:

1. Create a portfolio. It is advisable to give preference to the Biotechnology Mutual Fund, or to select several optimal mutual funds. If necessary, the manager will help with the choice.
2. Fill out an application to purchase shares. Before this, you should calculate the volume of the first contribution and subsequent deposits, as well as the timing of possible investment.
3. Enter your personal information to open an account in order to receive funds from making a profit. A passport must be presented.
4. Pay for shares by transfer or in cash. During the operation, no commission is charged.

In the process of closing (repayment) of the Sberbank Biotechnology Mutual Fund, you should take into account the collection of a certain amount of money, which is called a discount.

This size is:

• 2%, provided that the holder of the shares owned them for no more than six months;
• 1% - from six months to 2 years;
• 0% - more than 2 years.

Features of investing in biotechnology

Mutual Fund Biotechnology provides the opportunity to invest in the developing and profitable field of biotechnology. Here we look at the dynamics of the NASDAQ Biotechnology index, which includes in its portfolio the securities of the largest biotech and pharmaceutical corporations focused on developing the latest generation of drugs. And investors contribute investment funds to the US fund iShares NASDAQBiotechnology ETF.

According to many experts in the field, the biotechnology spectrum does not address the risks and associated economic factors associated with it. Therefore, this area of ​​investment is considered quite rational and promising. After all, companies specializing in biotechnology and the production of effective drugs are becoming more and more popular, as global environmental and health trends are actively worsening.

However, as with any type of investing, there are risks involved. Therefore, Sberbank makes its main investments in the industry index, which gives the largest increase, according to analytical data.

Let's get acquainted with Sberbank mutual funds

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Services for investing in mutual funds are now offered by various management companies. As long as there is competition, specific conditions and profitability are of interest. So, mutual funds of Sberbank. They are directly managed by the subsidiary (website sberbank-am.ru). It has been on the market since 1996, but until November 2012 it was called Troika Dialog, after which it was bought by Sberbank. At the moment, the company manages 21 open-end mutual funds (OPIF) and 5 closed-end real estate funds (ZPIFN) with a total capital of 775 billion rubles. They all differ in levels of risk and return:

• Low risk and low income (most open mutual fund bonds);
• Average risk and average income (all closed mutual funds, open mutual funds: Gold, Perspective Bonds and Balanced);
• High risk and high income (all open-end mutual fund of shares, 4 open-end mutual fund of funds).

As a rule, you can purchase shares of Sberbank closed mutual fund only when creating a fund. This is explained by the fact that by purchasing a number of real estate properties, the fund stops investment operations on the market for several years and receives income from rental payments. In the future, he sells these objects at the highest possible price in order to make a profit on rising prices. The owner of a unit of a closed mutual fund can receive passive income if this is provided for by the rules of the fund. The owner of an open mutual fund share does not have passive income. It does not pay coupons on bonds or dividends on stocks in which the fund invests. The only income an investor can receive is the sale of a share at a higher price than the purchase price.

You can buy shares in 2 ways: at Sberbank branches or through your personal account. Purchases through LC are made on the website of the management company or on the State Services portal (gosuslugi.ru). The online method is not only more convenient, but also more economical: if in a bank branch the minimum share costs 15,000 rubles, then only 1,000 rubles are enough to buy online. This allows even low-income people to build a diversified investment portfolio. When buying and selling shares, agency commissions are generally charged. The agent can be Sberbank PJSC or another bank working under an agreement with the management company. These commissions have nothing to do with payment for money management services; they are charged for processing the transaction. When purchasing a share, the commission depends on the amount invested: if it is less than 3 million rubles, then 1%, and starting from 3 million rubles. decreases to 0.5%.

When selling a share, a commission is charged only if the investment period is less than 372 days. So, for a period of 180 days or less, the rate is 2%, from 181 to 371 - 1%. Mutual fund management services are subject to a commission, which depends on the specific fund and can vary widely (usually from 1.5 to 3% per annum). There is also a commission charged by the depository, and the item “other expenses”. In total, all these expenses can “eat up” the investor’s annual profit and even bring him a loss. As for taxation, if the share was purchased later than 01/01/2014 and was in the possession of the investor for more than 3 years, then no matter what the interest income was during this time, there is no need to pay income tax (NDFL) on it. The investor receives a tax exemption under the benefit for long-term holding of securities (LTS). The only limitation is the maximum amount of tax-free profit: no more than 3 million rubles. in year.

Biotechnology Sector Outlook

Today, biotechnology is recognized by most analysts as a profitable and promising industry for investment. There are grounds for such recognition:

• The development of new drugs (and this is what the companies in which the Biotechnologies mutual fund invests in mainly do) always remains relevant. Due to environmental changes, new strains of microorganisms and viruses that cause diseases are appearing in nature. Therefore, the search for new drugs will not lose relevance.
• The area of ​​biotechnology in the economy is one of the most stable. When the stock market fluctuates, the value of shares of pharmaceutical companies and biotech research centers practically does not decrease.
• The degree of financial risk of operations in the biotechnology sector is assessed as quite high. This is due to the fact that every hundredth biotechnology research brings a breakthrough in science and turns into high profits. However, this profit allows us to hope for a significant increase in invested funds

Target objectives for the formation of the fund

The organization provides clients with opportunities related to diversifying investments and making money on the likely growth of certain biotechnologies that belong to the most promising segment of the market. The long-term objective of this fund is to generate income by investing in the securities of organizations operating in the life sciences technology niche.