Potential investors are still not very familiar with such an investment tool as IIS, but due to its significant profitability, interest in it has recently been growing.

An individual investment account with Sberbank is a regular brokerage account designed to manage resources using special tools - stocks, bonds, futures.

When opening, the client independently generates profitability by conducting operations in the stock market. But in addition to explicit profit options, there is the possibility of obtaining a deduction. These benefits are provided by the state in order to attract investment in the Russian stock market.

Requirements for clients

• It is allowed to open an IIS only to a private person who acts as a citizen (resident), i.e. pays taxes in that state.
• For the opening procedure, it is not necessary to be a client of this bank or have other formalized products in it.
• An individual can open no more than one investment account.
• The term of concluding a service contract is from 3 years.
• The maximum investment amount is 400 thousand rubles during the year.

During the validity of an individual investment account with Sberbank, and expert reviews confirm this, taxation is not applied to the investor's income. All settlements with the Federal Tax Service occur at closing in three years. If you do not use it and close it ahead of time, then the individual loses his right to the benefit.

Most customer reviews convince that opening an IIS in Sberbank is a fairly simple procedure

Registration of IIS in Sberbank

Such an investment tool is necessary for citizens who conduct brokerage activities or participate in games on securities quotes on the stock exchange. To open it, you must first find a branch that provides such services.

This is a profitable investment tool that works for the future.

Design methods

• On the website of the institution in the subsection of the list of branches in your city;
• From the operator when contacting the Contact Center;
• By making a request in the Internet bank (for existing customers).

In the branch, the future market participant must write an application for the provision of services and fill out the Investor's questionnaire.

• The main stages of opening an individual investment account with Sberbank:
• The specialist prepares a contract form, which is signed by the parties. In advance, you can get a full consultation and a list of tariffs of the institution regarding the conduct of activities in the stock market.
• The employee opens an account in the name of the applicant.
• Assigns a special code by which the Investor is identified.
• All information (number, investor code, etc.) is sent by e-mail.
• An individual transfers to the balance the contribution necessary for him to participate in the auction.

Having completed all the preliminary operations, it is necessary to choose the option of using tax benefits. Today there are two of them, while it is permissible to make a choice of an option before the expiration date. Only by the time of closing in three years, you need to make a final decision:

• Get deductions for contributions.
• Get exemption from income tax.

Tax credits for contributions

Having an individual investment account with Sberbank, the investor is entitled to receive deductions for each of his contributions, which is limited to 400 thousand rubles per year. This exemption is eligible under the following conditions:

• A private person receives official income, from which he pays a tax of 13% (according to the norms of the law).
• Once a year, the investor applies for a deduction and receives a transfer of 13% of the value of his investment.
• Closing the IIA after three years, the investor pays a tax on the amount of profit at a rate of 13%.

The main advantage of the investment instrument is significant tax savings

Documents for the return of money through the tax authority

• Fill out 3-personal income tax.
• Certificate of personal income tax-2 or another type of document from the employer or other structure confirming the availability of income from which the citizen paid 13%.
• Data on the transfer of a certain amount (it is requested from the bank).
• Application for deduction. You must enter the account number for the refund.

Applying to the Federal Tax Service with a valid IIS

Appeal to the tax authorities takes place over the past year (not even complete) up to April 30 the current period.

IIS transactions for the period of its validity are not subject to personal income tax

The procedure is quite simple and quite allows you to return 13% of the money deposited for investment operations. But when it is closed before the agreed period (up to 3 years), the person must return the amount previously accrued to him from the budget.

Tax exemption - features

The second method of benefits provides for the complete exemption of the investor from tax, but no deductions for contributions are provided. To use this option, proof of your own income is not required.

The procedure involves contacting the inspector and obtaining a certificate from him that for three years the citizen did not apply and did not receive deductions for contributions. This information must be transferred to the bank employee by the time the IIS is closed. A banking institution acting as a tax agent in this situation does not tax the investor's income.

If the closing occurs before the deadline specified in the contract, the bank applies the rate, as required by law.

Preferential taxation

For investors with official income, personal income tax is paid

Thus, acting as a broker or market participant, the client opens an investment account with Sberbank, while receiving the opportunity for preferential taxation. There is no need to hurry with the choice. Usually, the decision is made by comparing their income received from investments with the amounts of contributions. It is worth remembering the possibility of first receiving deductions on contributions, and by the end of the 3-year period, in case of a change in decision, return them back and receive tax exemption.

Conclusion

Investments by individuals in stock markets is a fairly new and promising direction for Russians. The opening of IIS makes this activity more attractive for novice investors, since the state has introduced tax incentives for them.

Money has to work. This golden rule is known to businessmen. Special offers and programs have been developed for investing finances, but some time ago a new banking product appeared, which is called an individual investment account of Sberbank.

What it is

IIS is a specialized brokerage account, which is opened by the client in order to be able to invest the remaining capital in the stock market.

Peculiarities

A few things to be aware of:

1. The term for which it can be opened is 3 years.
2. There are no minimum payout limits.
3. The maximum payout is 400,000 rubles per year. This means that if this amount was formed during the year, then the tax deduction for the next year will allow you to return more than 50 thousand rubles annually. For three years, the total amount will be 156,000 rubles.
4. The second deduction scheme will allow you to be exempt from taxes for the next three years. This is especially beneficial in terms of depositing the amount and investing it in securities and assets.
5. Early closure. But, it is important here that this will make it impossible to receive existing benefits from the state.
6. The benefits provided by the tax office are valid only for one account.
7. The opening is available to brokerage and management companies. Banks, microfinance organizations and other institutions are not allowed to engage in this type of activity.
8. It does not imply the possibility of transferring previously purchased shares and assets to another account.

The purpose of creating IIS

As a banking product, IIS was created with the aim of increasing the education of citizens in relation to money and developing the activity of stock markets, attracting the interest of the population. This approach contributed to the overall growth and development of the economic situation. Money could be involved in circulation. This offers several benefits:

1. Income as a tax credit.
2. Getting profit from trading on the stock exchange.

The amount of income received exceeds the figures for ordinary deposits.

Conditions

Requirements:

1. According to the requirement, IIS PJSC Sberbank has the right to open an individual who has Russian citizenship.
2. One IIS for one individual.
3. Only money is entered.
4. You can replenish, but you can not withdraw part of the amount.
5. The minimum term is 3 years. The maximum is 5 years.
6. An additional account is needed to pay for the activities of the management company.
7. The type of tax deduction is determined at a time, before making money, it will be impossible to change something after.

Individual Investment Account with Sberbank: Important!

You can apply to open a brokerage account by visiting the nearest Sberbank office that provides such services. For more detailed information, please call:

• 900 - for calls from a mobile phone. Free on the territory of the Russian Federation.
• 8 800 555 55 50 - for calls from mobile and landline phones. Free on the territory of the Russian Federation.
• +7 495 500 55 50 - for calls from anywhere in the world. Payment is charged according to the tariffs of the operator.

Opening

The amount of money can be disposed of at your discretion, trading in shares and other securities. The bank simply provides a trading platform. There is also the possibility of transferring cash management to a management company.

It can be selected as desired. First, the IIS of Sberbank is opened, and then the capital is transferred.

Everything that's needed:

1. Contact a branch of a banking institution that has a brokerage account opening service. You can check the information by calling the support center.
2. Call one of the offices suggested by the manager and make an appointment. Important: registration takes place a few days in advance.
3. If calling the bank does not suit you, you can go there yourself without an appointment. In this case, it will be offered to open a standard deposit account, which will be needed to open an investment account. Of the documents needed for the operation, you will need a passport.

If you are new to the field of trading, after completing the account opening procedure, before replenishing it, you can choose a management company that will manage the capital, thus increasing profits. True, services incur some costs and pay commissions for services.

Getting a tax deduction of the first type

This option is beneficial to clients whose income can be easily verified with documents. The following package of documents must be submitted to the tax authorities:

1. Help from the place of work.
2. Documents confirming the contribution to the IIS.
3. Tax return.
4. Application for a refund of the tax deduction for the amount of the contribution. Account details required.

Tax deduction of the second type

It is supposed to exempt profit from taxation. The broker needs a certificate stating that you do not receive tax deductions on contributions for the entire period.

If there is no confirmed income, only the second type of deduction is automatically allowed. It will be beneficial if the amount received as a result will exceed the funds invested initially.

5 reasons to open an account in a branch of Sberbank:

1. The agreement on the permission of capital management is concluded with the management company, but the bank itself acts as a shareholder. This allows us to conclude about the reliability of the proposal.
2. All that is needed for a person who does not understand anything about the stock market, but wants to make money on it, is to choose a strategy with which money management will be carried out. The rest is up to the professionals.
3. Convenient replenishment. You can transfer funds through your Sberbank-online personal account, or set up a monthly automatic payment.
4. An easy-to-use personal account that reflects all transactions.
5. Ease of opening. All you need is to bring your passport with you.

Remote tax refund

The return can be made without sitting in queues, while saving a significant amount of time and effort. To do this, you can use the services of a remote service. Specialists will consult on filling out the declaration and answer any questions you may have. It is also sent over the network.

Sberbank offers the following benefits:

1. A very advantageous opportunity to attend training seminars.
2. Obtaining a news and review subscription.
3. To get advice on the issues that have arisen, you do not need to visit the bank office. It is possible to resolve the issue by phone, or use e-mail.

Yield

Choosing the type of tax deduction guarantees 13% income. But, in order not to lose these interest, IIS must be opened within three years. The average guaranteed income is approximately 4% per year. To improve performance, you need to invest in other investment products, such as stocks.

Among the advantages are:

1. Investment is available for beginners.
2. Big profit in comparison with other programs.
3. Receiving income in the form of tax benefits.
4. People with average incomes can engage in auctions.
5. The opportunity to gain knowledge about the stock markets and understand the mechanisms of its work.

disadvantages

The disadvantages include:

1. The absence of any guarantees from the state.
2. High risks.
3. Profitable use is possible only with the growth of the economy.
4. The reliability of reports on transactions by trust organizations is difficult to verify.

Starting January 1, 2015, Sberbank offers its clients to open an individual investment account, which provides good returns and profits. In fact, this is a depository deposit to a brokerage account, the income from which can be received in the form of a tax deduction, as well as in the form of interest as a result of competent money management. The yield of such deposits can reach up to 20% per year.

Page content

The goal of the program is to increase the financial literacy of the population by drawing their attention to the work of stock markets.

What is an individual investment account in Sberbank (IIS)

An individual investment account is a deposit to a special type of brokerage account, on which you can receive or exempt the income received from taxation.

In the first case, a tax deduction of 13% is returned on the amount of the contribution.

For example, if the deposit amounted to 300,000 rubles, then at the end of the year the account holder will receive 39,000 rubles. Plus the profitability that the management company was able to receive with your funds. Let's say that this year you managed to get a 5% profit on your contributions. At your disposal will be 15,000 rubles minus 13% tax, total 13,050 + 39,000 = 52,050 rubles.

In the second case, the account holder can manage his funds at his own discretion and in case of receiving even a large profit, it will not be subject to income tax.

For example, if the account was replenished with 300,000 rubles, the investor managed it very successfully and competently and managed to get a 40% yield, that is, he made a profit of 120,000 rubles per year. In this case, this profit will not be taxed and the entire amount will remain at the disposal of the account holder.

As can be seen from the above examples, it makes sense to choose the second type of individual investment account if the investor is confident in his success and will be able to receive a sufficiently high return on his investments. It makes sense to open the first type of account for people who have official income (for example, wages), from which they pay a 13% tax.

Conditions for opening an IIS

1. An individual investment account can only be opened by an individual;
2. IIS in Sberbank can only be opened by a citizen of the Russian Federation (the issue of the possibility of opening IIS to foreigners in our state is being discussed);
3. One individual can open only one investment account;
4. Only cash can be deposited into the IIS;
5. Refillable account. But partial withdrawal is not provided.
6. The maximum investment amount is 400,000 rubles per year. This item makes the proposed tool unattractive for large investors, so the issue of increasing the limit is being discussed;
7. Both a new and a previously existing client, who was previously concluded, can open an IIS;
8. The minimum investment period is 3 years (the countdown is from the date of conclusion of the contract), the maximum investment period is 5 years at the moment. This clause implies that you can conclude an agreement now, and funds can be deposited later. The main thing is to do it before December 31 of the current year. The minimum term of the account will expire on the day of conclusion of the contract after three years. Time frames of three to five years are not entirely appropriate from the point of view of long-term investment, so the issue of extending the time frame to 10 to 15 years is also under consideration;
9. The services of the management company are paid from a different deposit account, but not from the IIS. Therefore, in most cases, you will need to open an additional deposit account.
10. The type of tax deduction for IIS must be selected before depositing funds. You cannot change the decision on the selected type of tax deduction in the future.
11. Combining the two types of deduction is not possible.
12. In case of early account closure, all tax benefits are removed.

Benefits of an individual investment account

• The possibility of investing funds even for people who do not understand the principles of the stock exchanges;
• Possibility of getting more profit than when making a regular deposit in a bank;
• The investment amount is available even for novice investors;
• Providing tax incentives;
• An excellent opportunity for novice investors to understand the stock market, learn and get their first experience in investing capital.

Disadvantages of an individual investment account

• IIS is still a risky investment option. There are no government guarantees here;
• This investment tool is most appropriate to use during periods of economic recovery;
• There are difficulties with determining the type of deduction that the owner of the IIA wants to receive, since this must be done immediately, before transferring funds to the management company;
• The honesty of the reports of the management company is quite difficult to track. Profitability is a variable and inconstant value, and a company, having received a large profit, can file a declaration for only a small part of it.

What to choose: the first or second type of tax relief for IIS?

It is beneficial to choose a tax deduction for the amount of contributions for people who have an official monthly income of at least 35 - 40 thousand rubles.

For example, if your official income is 20,000 rubles, then 31,200 rubles of taxes will be paid from it in a year. And even if you invest 400,000 rubles, you can only return this amount, and not 52,000 rubles. Therefore, this type of IIS is not available to people with officially unconfirmed incomes and pensioners.

The second type of IIA tax benefit will be ideal for people who are competently pursuing an investment policy and are able to get a very high return on their investments.

IIS with a deduction for contributions (first type)	IIS with a deduction for income (second type)
You can only deposit money into your account. The maximum contribution to IIS is no more than 400 thousand rubles. (during the calendar year).
No tax during the validity of the IIA - the tax base is determined for the entire period at the time of closing the account. If the IIS is closed earlier than after three years, the right to the benefit is lost.
To receive a deduction, you must have income (for example, wages) taxable at a rate of 13% in the relevant tax period	The presence of income taxable at a rate of 13% is not mandatory
An annual personal income tax deduction of up to 52 thousand rubles is provided for the amount of the contribution. (13% from 400 thousand rubles)	No deductible for fees
Tax rate when closing an account - 13%	When the account is closed, the income is exempt from tax
The type of deduction can be selected during the validity period of the IIS. Combining the two types of deduction is impossible!

How to open an individual investment account with Sberbank

Funds on IIS can be managed independently by buying and selling various stocks, bonds and other securities on the stock exchange. In this case, Sberbank of Russia provides only brokerage services, that is, a trading platform.

Also, the management of funds on IIS can be transferred to a trust management company, which will invest them at its own discretion. That is, the client opens an account with Sberbank, after which the funds are transferred to the management of the selected company.

To open an IIS in Sberbank, you need to contact the branch where such a service is provided, that is, you can open a brokerage account. You can call the customer support hotline and check the list of branches in your city.

After that, you will need to make an appointment, as the queue is scheduled for several days in advance. You can find out if you will be accepted, and when, and what documents are needed, and if necessary, make an appointment by calling one of the branches that the hotline operators suggested to you in your city.

If you came to the Sberbank branch without a call, you can open a regular deposit account, which you will need to open an investment account. You will need a passport to open an account.

After opening an account, before replenishing it by a certain amount, you need to choose a management company that will manage your funds in order to make a profit. This will be needed if you yourself do not understand the operation of the stock market. For the work of the management company, you will have to pay a certain commission and incur some additional costs.

documents officially confirming your income, from which a tax of 13% was regularly paid during the year (most often this is a certificate from the place of work in the form 2-NDFL);

documents confirming your contribution to the IIS;

an application of the established form for the return of a tax deduction for the amount of the contribution. This application will require you to provide your bank account details in order to receive your tax refund.

How to get a second type of tax deduction

In order to exempt your profits from taxation, you must provide your broker with a certificate from the tax office that you did not receive any tax deductions on your contributions during the entire period. In this case, the broker will not charge the required 13% income tax on your profits.

If the IIA was closed earlier than the permissible period, that is, earlier than 3 years, then 13% of taxes will be deducted from the profit upon closing.

Thus, IIS as a whole was created to improve the financial literacy of the population, which would raise the investment market and improve the operation of stock markets, which would lead to the growth of the economy as a whole. If citizens learn to invest their money and understand how the stock market works, instead of keeping their savings "under the pillow" or in the bank at low interest, and those inflations are eaten, then the money will be in circulation, and the economy would get a faster development.

By opening an individual investment account, you can get a double benefit. First, income in the form of a tax break. Secondly, profit from trading operations on the stock exchange. In any case, a higher yield is expected than when making a regular deposit in a bank. The maximum investment amount at the moment is 400,000 rubles per year, the minimum period is three years, the maximum is 5 years. The imperfection of the proposed instrument was noted by many clients of the bank, therefore, the issues of revising the investment amount limit and its terms are being resolved.

Since 2015, a new investment program has become available in the Russian Federation, the profit from which is completely exempt from taxation. An investment account can be opened with a financial institution of Sberbank. Any individual who is a resident of Russia can become the owner of the product. The principle of making a profit is to make financial transactions with trading instruments, which can be used as:

• currencies;
• precious metals;
• futures;
• stock.

Options for investing through IIS

By investing funds, their owner can independently participate in the auction or transfer funds to trust management.

Peculiarities

An investment account with Sberbank has a number of features:

1. A citizen of Russia has the right to open only one account with an investment status.
2. A bank client can deposit no more than 400,000 rubles per year.
3. The term of the deposit does not exceed 5 years.
4. During the validity of the investment program, replenishment of the account is allowed at any time.
5. There is no provision for partial or full withdrawal of funds before the expiration of the contractual agreement.
6. Income earned is subject to tax relief.
7. In case of termination of the contract ahead of schedule, the client receives the invested funds, but loses the right to use tax benefits on the profits received.
8. It is possible to transfer funds to another bank.
9. Both a new and an already cooperating client of the bank can invest in the program.
10. The order of relations between the parties is regulated by the executed contract for servicing the investor.
11. Payment for the services of the manager is carried out from another account, therefore, when planning to transfer your funds to trust management, you need to open an additional account for mutual settlements.
12. The type of tax deduction is determined before the funds are deposited into the account. Subsequently, the type of tax credit cannot be changed.

Advantage

Investing funds under a special program in Sberbank allows clients of a financial institution make a profit even in an unstable economic situation when it is dangerous to invest in deposit products.

Sberbank individual investment account allows its investors to feel the power over money through a unique opportunity making profit both in case of falling quotations of financial instruments, and in case of their growth. At the same time, even people who have no idea about the principle of working in the stock markets get this opportunity.

Small investment amount makes the product available to the majority of those wishing to participate in the program. The applied tax incentive schemes allow you to save on this item of expenditure, significantly increasing your profit.

disadvantages

Sberbank investment account, along with the advantages, has a number of disadvantages:

1. It is a risky way to invest funds, which is not covered by government guarantees.
2. There is no clear scheme for regulating relations and disagreements between the participants in transactions.
3. Restrictions on the amount of cash makes investments unattractive for large investors.
4. There may be difficulties in making the right decisions regarding the rational choice of the type of tax benefit.
5. The amount of profit is unstable, so it is difficult to predict the income after a certain period of time.

How to open an individual investment account with Sberbank

You can open an individual account on the Sberbank website or at its nearest branch. Any method requires filling out an application in which it is necessary to indicate information about personal data:

• Full Name;
• series and number of the passport, as well as the date and place of issue of the document;
• region of residence;
• locality;
• contact number;
• email address.

In the questionnaire, it is imperative to indicate information about whether the potential account holder is a client of the bank or not. When applying online, you should upload a scan of documents confirming the identity of the applicant. When visiting a bank branch, you should provide employees with original documents confirming the identity of the applicant.

Bank employees, after entering personal data into the register, notifying the client about the terms of cooperation through the execution of a contractual agreement between the parties, open an account. The client is notified about this event by telephone or by e-mail. After activating the account, it can be replenished in any convenient way offered by the financial institution.

Profitability of an individual investment account of Sberbank

The profitability of an investment account significantly exceeds that of a deposit.

When investing in Sberbank under the investment program, the investor can expect to receive a profit, the value of which may exceed 21%. Experienced investors, managing their account on their own, can expect a profit of up to 50% per year.

Product profitability is formed due to factors:

• cash management;
• receive compensation in the form of a tax deduction;
• accrual of interest on the balance of funds.

Self account management

The investor can independently manage his funds, or he can transfer them to trust management. It is worth noting that for independent trading it is necessary to have certain knowledge, for which customers can attend free seminars regularly held by Sberbank. Equally important in this field of activity is the experience that can be gained by working on a demo account.

tax incentives

When investing in an investment account for the next year, you can receive additional income in the form of a compensatory tax deduction in the amount of 13% of the investment amount. In the first year of cooperation with the bank under the program, the tax deduction is limited to 52,000 rubles; for the second year, an increase in the criterion to 90,000 rubles is being considered. The benefit has a one-time nature and is payable after each investment. Thus, by annually contributing funds to the program, you can maximize profits. To receive this type of profit, it is necessary to invest in the product annually and have a permanent place of work, being a personal income tax payer.

Active investors may initially be exempted from income tax payments.

Calculation of interest on the balance of funds

The banking program automatically calculates interest on the balance of funds held on an individual investment account for the period of the last working day of the year. The profit received from own investments, government payments and accrual of interest on the balance of funds on an individual investment account significantly exceeds the profitability of deposit programs. This provides an upward trend in the popularity of the new investment product.