Lacag Mutual Sberbank. Reviews of Mutual Savings Bank Funds

Haddii ay waqti aad kaga fikirto oo ku saabsan meesha aad maal kaydka ama kasbaday lacag ah, iyo erayga "maal" ku dhawaad waxba sheegay in aad qabto sabab inay farxaan. Si aad u hesho dakhli dadban, ma jirto baahi waqti dheer si ay u bartaan cilmiga dhaqaalaha in uu korka shuruudaha adag, si ay u fahmaan garaafyada iyo gooldhalinta si ay u falanqeeyaan hoos suuqa, si ay u bartaan waayo-aragnimo shaqo, si ay u bartaan subtleties ee ciyaarta suuqa securities. Ma loo baahan yahay in loo cusboonaysiiyo giraangirta, waxa uu muddo dheer u maleeyay in ilaa.

Maxay yihiin lacagaha is Sberbank?

lacag Mutual - waa adag ah, kaas oo ku salaysan maaraynta isku halleeya (hantida) shirkadaha maamulka fund. Ay shaqada ugu weyn ee - in la kordhiyo saamiga qiimaha. lacag Mutual loo sameeyay oo ku saleysan maal - shaqsiyaadka. Macnaha aasaasiga ah ee lacagta maalgelinta waa in la helo laabto on hantida in ay yihiin securities: bonds, kaydka, iwm ...

Investor ee fund ee labada dhinac waxaa laga yaabaa in qof kasta oo gaar ah oo keensataa saamiyada - securities rumayn xaq milkiilaha of qayb ka mid ah hantida fund ee. Sidaas darteed, iyadoon loo eegin tirada, Maal kasta waxay leedahay xuquuq la mid ah. Helaan on hantida qaybiyo saamileyda saamiga ay tirada unugyada.

Sberbank. maaraynta hantida

lacag Mutual - lacagaha dheeraadka ah doorasho la maalgashado fiican leh waqtiga xadidan oo kooban, iyo qadar yar oo ah aqoonta. Laakiin maalgashi muuqda oo fudud damiyaan for hawlahan soo socda, kuwaas oo doorashada ee shirkadda ama bangiga, kuwaas oo loo qaatay in ay ku shaqeeyaan lacagta dadka kale. Sida caadiga ah, marka hore maskaxda ku soo yihiin ciyaartoyda ugu waaweyn ee waaxda maaliyadda. Oo Sberbank in line this, dabcan, degan meel hoggaamineed.

Ilaa 2012, shirkadda maamulka bangiga ee loo magacaabay "gudomiyaha Dialog". Maanta Sberbank yeedhin abuurka mawduuca ugu - ". Sberbank Hantida Management" Nuxurka hawlaha aysan waxba ka beddelin. Macaamiisha waxaa la siiyaa liis halkii weyn oo lacag maalgashi. lacag Mutual Sberbank matalayo in qeybaha kala duwan ee dhaqaalaha Ruush. At qiime isku mid ah oo wadaag ah waa hore 15 kun rubles. darsaday dheeraad ah si weyn u yahay hoose - 1.5 kun oo rubles.

Xitaa ma garato in waayo-aragnimo ah ee la tiro badan oo ah lacagta is heer sare ah maamulayaasha xirfadeed shaqada waa ka badan 10 sano, waxaa lagama maarmaan ah in la ogaado labada waxyaalaha xun ama fiican oo lacag maalgashiga lacagaha labada dhinac oo ay leeyihiin ugu yaraan fikradda yar ee sida loo doorto fund ah.

faylalka maalgashi

By 2014, "Sberbank Hantida Management" waxay bixisaa saamiyada ku iman kara doorasho ee 23 lacagta labada dhinac. Mid kasta oo iyaga ka mid ah ayaa gacanta ku sida soo jiidasho leh, iyo naxdinta leh. Sidaas daraaddeed, tusaale ahaan, lacag is Sberbank bonds "Ilya Muromets" bixiyaan saamiyada ku iman kara qiimo xad sare oo ah unugga, qaybinta isku dheeli tiran ee lacag maalgashi dhowr qaybood oo ka mid ah dhaqaalaha iyo halista hooseeyo.

Wixii taageerayaasha of "kulul" waxaa had iyo jeer waa dalab. Mid ka mid ah lacagaha ugu faa'iido waa "Fund bonds Macnuhu." Waqtiga qiimaha aasaasay ay ka mid ah saamiga lacag 1700 rubles. By May 2014 waxaa u kacay inuu 2.5 kun oo rubles. Laakiin dhali marka la barbardhigo lacagaha kale ee si fudud u la yaab leh: 29.4% ee 36 bilood, in muddada la guda laga bilaabo Janaayo ilaa May 2014 - ku dhawaad 3%. Markaasaa waxaa taas ay jirto xaqiiqda ah in inta badan lacagta labada dhinac ka badan 5 bilood ma aha oo kaliya ma uusan kordhinin qiimaha unugyada ah, iyo iyaga oo hoos u dhigay laga jaray a. Waa maxay qarsoon oo guul of this fund?

Qaybaha ah faylalka tacliimeed ee

Shirkadda maamulka qaybisay lacag ee securities ee soo saara kala duwan. In si akhristaha ugu dambeyntii jahwareeray marka la eego, aynu arrintan ka qabtaan, sida tusaale u ah mid ka mid ah lacagaha - Fund Mutual "Dobrynya Nikitich". "Sberbank Hantida Management" ayaa aasaasay adag ee June 1997. Soo saara "Dobrynya Nikitich" - shirkad Ruush la hantidooda sare oo ka iman kara koritaanka, kuwaas oo, ka shaqeeya meelaha sida:

- saliidda iyo gaaska;

- isgaarsiinta;

- maaliyadda;

- qaybta macaamiisha;

- warbaahinta iyo IT,

- warshadaha kiimikada,

- hantida maguurtada ah,

- gaadiidka.

All saamiyada ee soo saara waxaa loogu yeedhi laga yaabaa in qayb ka mid ah faylalka tacliimeed maalgelinta. Laakiin tani ma aha arrin description sax ah. Gadashada fund share leh halis yar, Maal bilaabayso waa in maanka lagu hayo in faa'iidada ay halkii uu hooseeyo. Taasi waa sababta saamileyda khibrad dheeraad ah oo ku talin "ha saarin ukunta oo dhan in isku dambiil." duwanaansho The fiicnayn maalgelin doonaa in ugu yaraan laba lacagaha kala duwan: lacag is leh halis sare oo ku soo celi oo lacag is leh halis yar iyo celinta deggan. qaybinta caddaalad duwanaansho noocan oo kale ah sida caadiga ah waxa uu leeyahay tayada sareeya.

faa'iidada

xulashada Company la sameeyo si ay u qiimeeyaan tayaynta maamulka. Waxaa la barbar dhalidda gaari oo ka iman kara. Laakiin iyada macmiilka xiga malaha ma ay heli doonaan macluumaadka. faa'iidada la fili karo ee lacag is Sberbank shirkadda maamulka rasmiga ah aan xayaysiin kartaa. Kaliya ee la soo dhaafay of guulaha ay u adeegi karaa iney yihiin tilmaame of hufnaan.

Jawaab-celinta iyo qiimeynta hantida

Haddii Maal ay u bilaabaan weli doortay lacag is Sberbank, dib u eegista saamiyada ku soo maray internetka ee ku saabsan faa'iidada noqon doonaa tallaabada ugu horraysa ee sawir cad oo ku shaqo ee shirkadda maamulka. forums Chat, sida caadiga ah, ma muujin tirooyinka kasta oo dan kama qaado falanqaynta buuxa, laakiin waxaa waxtar leh marka la eego qaabka xulashada faylalka maalgelinta.

Qiimaynta hantida in tallaabada go'aaminta, taas oo iyaga ka mid ah ay ka qiimo la maalgashado, weli si aad naftaada u samayn. hawshan ma aha mid aad u adag. website-ka rasmiga ah account Savings Bank of shaqo ee shirkadda maamulka la soo bandhigay qaab tabular. Waxaa ku jira macluumaad dhamaystiran: magaca fund ah, qiimaha Qayb kasta oo iyaga ka mid ah, dhalidda ee 36, 24, 12 bilood oo shaqo ah, iyo sidoo kale muddo la soo dhaafay ee sanadkan.

lacag Mutual Sberbank of Russia - oo lagu daray doorasho

1. Faa'iidada ugu weyn waa in qasnadda geli kari kasta, ma haysashada aqoon gaar ah. Mutual Fund uma baahna Maal ee fahamka dhan diiniga ah geeddi-socodka, dareenka joogtada ah iyo la socodka koritaanka caasimadda. Tani waxay si buuxda u hawlan shirkadda maamulka.
2. Oo lagu daray labaad - natiijo ah oo kuwii hore ka, waqti shakhsi macaamiisha badbaado ee. Isku hallaynta ah ee bangiga waa qiimo badan. Ma jirto baahi loo qabo in waqtiga ka dhumin on gacanta joogta ah in ka badan koorsada ah taxne kore iyo suuqa, ay si toos ah qayb qaataan geedi socodka iyo wixii la mid ah. Marka macaamiisha ah iibsataa qayb ka mid ah Sberbank in dagane dalka, waraaqaha uu bilaabay in uu ku lug maamulayaasha xirfadeed.
3. Inta ay la heli karo lacagta hoos. 15 kun oo rubles - caasimadda bilow-up yar si ay u bilaabaan hawlaha maalgashiga.
4. Daacad ah design. Si aad u soo biiraan in lacag is Sberbank ku filan waa in aad leedahay oo keliya lacagta loo baahan yahay lacag iyo baasaboor. Shirkadda maamulka Client waa inay soo gudbiyaan codsi iibka ah ee unugga. Taasi oo dhan. Iibiya pie waa sida ugu fudud ee ay u soo iibsadaan, in sidoo kale waa ku filan si ay u qoraan codsiga xafiiska shirkadda maamulka.
5. Hantidooda saamiyada. lacag Mutual Sberbank of Russia waa kuwo kala duwan ee sifooyinka ay. Waxaa jira lacag la dhalidda sare iyo khatarta sare iyo, dhinaca kale, iyadoo halista ugu yar, dakhliga xasiloon, laakiin hantidooda sare. Kuwani lacag labada dhinac ku lug si deg deg ah sale share la kharashka ugu yar ee wakhtiga iyo khasaara ah ama wax yar qiimaha a.
6. Cashuuraha. Waxay ku xiran oo kaliya in ay dhali lacag is Sberbank yihiin. Si aad u noqoto si gaar ah, u roon net. waxaa canshuurta laga saaray si toos ah, at heerka of 13%. Dabcan waxaa jira uma baahna fayl gaar ah cadayn xafiiska canshuurta.
7. Kala duwan oo maal. Si loo yareeyo khataraha suurto galka ah ee lacagaha saamiga loo qoondeeyay for iibka ah ee silsilado iyo kaydka ah ee qaybaha kala duwan ee dhaqaalaha Ruush. Tani waxay u ogolaaneysaa faylalka maalgelinta si ay u noqdaan adkeeysi badan hoos suuqa.
8. maalgelinta Security gacanta dawladda. Halista dhaqaale irrecoverable la yareeyo, sababtoo ah saamileyda lacag maal aan ku kaydsan koontooyinka maamulka shirkadda ka. Funds wareejiyo depository gaar ah. Control of masuuliyiinta dawladda ka badan isaga.

Qasaarooyinka maalgashiga lacagaha labada dhinac

1. Damaanad No. Ma sanduuq maal hal ma bixiso hubsashada in saamiga ka dhigi doonaa faa'iido ah in muddo la siiyo waqti. Wax walba waxay ku xiran tahay dhaqanka ee suuqa iyo sida khibrad iyo Fund ganacsatada xirfad leh. Halista had iyo jeer ay joogaan.
2. Overstating qiimaha unugga. Taas waxa loo sameeyaa si loo soo jiito maal-cusub. farsamo erayada aadka u waa mid fudud ilaa xad. Ka hor inta warbixinta muddo shirkadda maamulka iibsanayaa saamiyada kuwa shirkadaha hore u yihiin in faylalka tacliimeed, markaa si ay kordhaan qiimaha. Dabcan qiimaha kor iyo share tagaa. Ka dib markii warbixinta muddo tallaabo keddibna aan loo baahnayn. qiimaha Share dhaco.

total grand

Bilow maal badan wax ku ool ah, maalgashiga lacag is Sberbank. Dhalidda, dib u eegista, macluumaadka dadweynaha wararka laga heli karaa ugu badnaan this xaqiijin.