To carry out transactions with securities, an investor needs the help of a brokerage company, since without an intermediary, direct access to the stock market for a private individual is impossible. Sberbank's brokerage services, despite the controversial attitude of many market participants towards it, are nevertheless in great demand. We can say that although Sberbank has a rather narrow range of market instruments, for most clients this is enough - so that over 180,000 investors in Russia choose Sberbank as a personal broker. In terms of turnover of funds on the stock market for September 2017, it ranks fourth, behind BCS, Otkritie and Renaissance broker, slightly ahead of such an industry giant as Finam.

History and development of the company

Sberbank CIB is a corporate investment business created on the basis of Sberbank CIB JSC. One of the key areas is the execution of securities trading operations. The creation of the service dates back to 2012, when the merger of Sberbank of Russia OJSC and Troika Dialog (the largest Russian investment company) took place. Let me remind you that bankruptcies of brokerage companies in Russia are disproportionately less common than banks, due to the differences between these businesses. Nevertheless, those who are looking for additional reliability can use the brokerage services of Sberbank, the risks of which can be compared with the risks of the state pension fund of the Russian Federation. The Sberbank CIB business is designed for large legal entities. However, since I am focusing on a private investor, the brokerage services presented on the Sberbank website will be described below: https://www.sberbank.ru/ru/person/investments/broker_service/.

Tradable financial instruments

Investors who choose Sberbank as their broker can trade on. Sberbank broker offers a number of instruments and markets for trading:

• Stock market - transactions can be carried out with foreign and Russian shares, depositary receipts and Russian bonds, federal loan bonds; Mutual and exchange-traded funds are also available. Trading is carried out on the Moscow Exchange.

There are 12 exchange-traded funds ETF (investment group) traded on the Moscow Exchange, which, in addition to Russian shares and Eurobonds, provides investors with the opportunity to invest in foreign markets (USA, Germany, UK, China and Japan). However, individual shares of foreign companies can only be purchased by investors with the status of “qualified investor” (RF Federal Law No. 39 “On the Securities Market”). An exception is the St. Petersburg Stock Exchange; you can purchase shares of many American companies from the S&P500 index without special status.

• Derivatives market – transactions are carried out with commodity futures, option contracts for shares, stock indices, foreign currencies and other financial instruments. Available trading platform is the Moscow Exchange.

• Over-the-counter market - transactions are carried out both with low-liquid shares of small enterprises and with corporate and government Eurobonds for hundreds of thousands of dollars. Transactions take place between the buyer and seller outside the exchange. To purchase Eurobonds, you must have the status of a qualified investor recognized by Sberbank.

The main advantages of trading in the derivatives market for a speculator:

• operations can be carried out by both large participants and “newcomers” with a small amount of funds;

• Due to the wide range of financial instruments, it is possible to carry out many operations;

• high liquidity;

• no need to pay depository

However, an investor has nothing to do in the derivatives market. The derivatives market can insure your shares against falling with help - but since the investor is focused on the growth of the asset, he can overcome such risks by selecting a comfortable share of the risk instrument, rebalancing the portfolio and the time horizon of his investments. The easiest way to carry out currency hedging is by purchasing two or more funds, the assets of which are denominated in different currencies - the above-mentioned FinEX company has several of these funds (although both in terms of capitalization and the number of exchange-traded funds, FinEX cannot be compared with industry leaders like Vanguard company).

JSC "Sberbank Asset Management"

Sberbank Asset Management JSC offers the opportunity to increase invested capital using the Trust Management service and several corresponding strategies that have different levels of return and risk ratio. Current options include:

• “Long-term capital gain (shares)” (risk profile – high). Investments from 1 year, income level - above average. The minimum amount of investment funds is 7,000,000 rubles.

• “Capital protection” (risk profile – conservative). Investments from 1 year, maximum level of income for 2 years – 29.6%. The minimum amount of investment funds is 7,000,000 rubles.

• “Active management” (risk profile – high). Investments from 1 year, the projected level of income is above average. The minimum amount of investment funds is 3,000,000 rubles.

A complete list of Sberbank’s trust management strategies and conditions can be seen on the company’s official website. In total, there are currently 10 strategies presented there, which can be found at the link: http://www.sberbank.ru/ru/person/investments/confidential_management.

The services of a trustee for an investor cost from 0.003% to 0.0057% per transaction depending on the amount of daily turnover, assistance in registering a forward transaction - 0.50 rubles per 1 contract, forced closure of positions under a contract - 10 rubles per 1 contract.

In my reviews of brokers, I emphasize that there is an inevitable relationship between the investor and the broker, as a result of which many costs are included in the management of the investor’s funds: these are commissions depending on the daily turnover of funds (i.e. if the robot made 100 trades on your account in a day 000 rubles with a commission of 0.1%, then you will pay 100 rubles regardless of the result), profit commission (usually about 20%, if any), connection fee and exchange fees. The details may vary depending on the specific strategy, but this is the average.

All this may seem acceptable given the noticeable growth of the asset - but even if you are lucky enough to catch the moment of takeoff, it will inevitably end one day and costs will come to the fore. And the longer you invest, the more noticeable such costs will be. Direct trust management is less strictly regulated than the actions of managers in mutual funds - however, more opportunities for generating income does not mean a greater likelihood of receiving it. However, it is in the company's best interest to sell the product so that the marketing looks attractive:

Another important point is that the strategy's performance must be compared with the performance of the stock market, in which you can invest at minimal cost through. Those. when trading Russian shares, the results are compared with, when trading international shares you can use the S&P500 indicators. With the current Sberbank deposit rate of about 5% per annum, it is easy to forget that the Russian stock market grew by 23% in 2015, and by almost 29% in 2016 without any active management (the S&P500 index in the same 2016 gave almost 10% in dollars). Therefore, any strategy for Russian stocks with a starting point in 2015 to the present day (November 2017) will most likely give very good results, unless the management company seriously spoils it with its actions. Some brokers overlay index behavior onto their management chart, but we don't see that here.

I do not recommend direct trust management, nor investing in robots or algorithmic trading, regardless of the company that provides them - time in this case works against the investor, accumulating losses due to high capital management fees. And even more so, one should not consider a high entry threshold as some kind of additional advantage that helps to get more income - it’s just that a monster like Sberbank does not want to bother with small capital, recouping the costs of maintaining the strategy and reporting.

Sberbank individual investment account

If you bought shares after 01/01/2014, owned them for more than three years and sold them at a higher price than you bought them, then you do not have to pay income tax (NDFL) on the profit received. The maximum amount of profit that is exempt from tax is 3 million rubles per year.

Sberbank, as you know, is one of the most popular financial institutions operating on a state basis. Every day, the services of this bank are actively used by millions of people in various places in the Russian Federation.

Despite the abundant distribution, some people still do not know that Sberbank provides its clients with many additional opportunities. In particular, with regard to brokerage services for private clients under a specialized program that is beneficial both to the bank itself and to the client who applied.

Of course, the benefit directly comes from honest cooperation, without any financial fraud for the purpose of deception and profit. Please note right away that attempts to deceive Sberbank, in most cases, are fraught with serious consequences - legal proceedings with corresponding claims.

Sberbank CIB

This bank has a specialized division that provides full brokerage services to everyone in need. To be more precise, the corporate investment business offers services - Sberbank brokerage services.

It is important to make a reservation that the main client base of this division are those people who are much more comfortable making exclusively independent decisions. This is especially true in cases where one or another person organizes his affairs in such a way that all capital is under his and only his leadership.

Popularity

Considering the general popularity of a financial institution such as Sberbank, it is easy to guess that the company has a wide area of ​​influence. On a regular basis, the brokerage services provided by this bank are used by more than 180 thousand different investors from different parts of the Russian Federation.

Please note that the significant increase in the popularity of Sberbank is also influenced by the specific policies of this financial institution. Absolutely any transactions with money can be performed through specialized services on the Internet. Thus, each client using the services of a Sberbank broker is given the opportunity to work with their accounts from anywhere in the world.

From all that has been said, it is possible to draw a completely logical conclusion that the bank has a fairly large number of branches, which work not only in the field of customer service, regarding any payments, but also provides full-fledged brokerage opportunities. No matter where you are in Russia, you will certainly be able to freely take advantage of a similar list of opportunities in 2017.

Trading platforms

Like any other broker, Sberbank actively interacts only with some trading platforms, which are especially popular in Russia. Their number, as a rule, is very limited, but for clients of this bank this is more than enough.

The list of the main trading platforms of the Sberbank broker in 2017 includes:

• a derivatives market that allows you to work with options and futures contracts;
• the main market, which is the main market and allows you to work with the global stock market;
• an over-the-counter market that deals with various areas not related to the domestic market, for example, with Eurobonds and shares of investment funds.

Whatever trading platform the client chooses in 2017, he always receives the maximum level of support and care from the head office in Russia.

If you use Sberbank brokerage services to directly open a brokerage account, you can be sure that you will be satisfied with the level of service provided.

Additional features

If you suddenly needed the personal services of a Sberbank broker in 2017, you can easily use them. However, in this case, in addition to the main list of services, it is recommended that you familiarize yourself with the additional offers of this Russian bank.

Additional offers from Sberbank of Russia include:

• services for concluding secure OTS-repo-overnight transactions;
• services for the secure conclusion of over-the-counter brokerage transactions;
• services for concluding contracts, thanks to which you can operate with money that you do not have.

Among other things, every Sberbank client can use all possible services with a phone call.

In addition, note that this institution provides the most favorable rates and services to individuals. If you are planning to open a long-term account with Sberbank, then it is recommended that you devote your time and attention to a detailed study of the aspects of what brokerage services you can get from Sberbank.

Notes

Taking all of the above into account, please note that Sberbank of Russia not only provides brokerage services, but also helps you learn how to trade. In addition, by attending such a free seminar, you will be able to directly learn how to open a brokerage account with Sberbank.

Each person who opens his own brokerage account with this bank must necessarily study reviews about the institution. This is due to the fact that opening a brokerage account is a one-time procedure and if you are not satisfied with any of the bank’s indicators, for example, commission on payments, then it is better to refuse this type of service.

To summarize, it is worth noting that Sberbank CIB is not just a static part of the bank, but is constantly developing and improving. As a result of such improvements, Sberbank is each time expanding the list of services it provides, and account transactions are becoming much more profitable for consumers.

It is recommended to open a brokerage account with a savings bank only if you know what it is. Otherwise, the best option would be to attend special training seminars, both paid and free, from the same bank.

Trading on financial platforms has become increasingly popular recently. There are quite a few reasons for this, but the main one is the opportunity to earn a lot of money in a fairly short time. Previously, opening accounts for brokerage purposes was of interest only to experienced financial professionals in the brokerage services market. Today, thanks to the services of competent brokers, almost everyone can join financial trading. There are quite a lot of companies ready to provide the services of experienced brokers.

So, is it possible to make money on Sberbank’s brokerage services? We'll talk about this below.

Brokerage offer from Sberbank

The bank places bets and receives profits on behalf of the client who opened the account. Sberbank's brokerage services consist in the fact that the banking organization offers clients representation of their interests on the stock exchange. The depositor has the right to manage his finances by specifying the following parameters when opening an account:

1. Transactions that are preferred.

2. The period after which you would like to make a profit.

3. The degree of risk that the client is willing to take in order to make a profit. Moreover, the higher the risk, the higher the potential profit.

If the client opening the account does not understand the nuances of stock trading at all and simply considers such an investment an alternative to traditional investing, then the strategy is completely drawn up by specialists in the brokerage industry without the participation of the investor.

Most contracts provide that the client can independently formulate an application to participate in certain transactions. This can be done online, or over the phone. If this does not happen, then the funds are distributed at the discretion of Sberbank specialists.

Advantages of a brokerage account from Sberbank

The bank is ready to provide its clients with a wide range of different types of services, including brokerage services from Sberbank. The client's interests in the stock markets are carried out through an organization called Sberbank CIB. The advantages of this company include the following:

1. Participation in financial transactions even for those who do not have any knowledge in the field of trading.

2. Reliability and consistently good performance of the company.

3. The lowest possible commissions for Sberbank's brokerage services.

4. If desired, the client can take part in the disposal of his funds during participation in the auction.

5. Competent employees who are always ready to provide consulting support to their clients.

6. Control over profit. The company invites its client to determine for himself when he would like to make a profit.

7. An unstable exchange rate and negative economic trends can be turned into an advantage and generate income.

8. You can manage your account online.

All of the above has created Sberbank CIB a good reputation in the brokerage services market. Naturally, like any other organization, Sberbank CIB also has a number of disadvantages. However, when compared with other similar organizations, Sberbank is among the most reliable and stable, while its service tariffs are minimal.

Account registration

In order for Sberbank to begin representing your interests in the brokerage industry, it is necessary to conclude an appropriate agreement. The clauses of the agreement cover all issues related to further cooperation. In 2017, Sberbank brokerage services are offered to individuals by selecting suitable option packages:

1. Partial independent management. It assumes that the client has a certain knowledge base of the financial market, which gives him the opportunity to manage part of the account.

2. Active use. The client's knowledge of the financial sector is not particularly extensive, but he wants to control all transactions made with his money. In this situation, Sberbank will require a specially completed application from the client in order to begin financial transactions on the account.

3. The client signs an agreement with the full transfer of authority to conduct brokerage operations to Sberbank. This usually happens when the client has absolutely no understanding of the financial activities of the stock markets.

Informed is forearmed

Before resorting to brokerage services from Sberbank, you should obtain complete information about the terms of cooperation, tariffs and all the subtleties associated with it. Starting from 2017, it is possible to conclude an open-ended cooperation contract. It will not need to be renewed every year. Such an agreement can be terminated only at the request of one of the parties.

Another innovation this year is the improvement of the system for opening a brokerage account. Now you can do this through your personal account on the company website. After studying the terms of cooperation presented there, you can leave a request to open an account. Using brokerage services through online services, you can also place independent bets and take part in trading on the stock markets. Such changes allow you to save time on visiting the company’s office, since all operations are carried out online.

Tariffs

Sberbank charges additional commissions for brokerage services. The general rules for calculating commissions allow us to conclude that the more funds are deposited into the account, the less the additional fee for services will be. The minimum commission will be if the daily turnover on the account is more than 50 thousand rubles.

Sberbank does not provide minimum limits for opening a brokerage account. The client has the right to use the services of brokers by investing any amount at his discretion.

How much will it cost to be independent?

If the client expresses a desire to manage his finances independently, then submitting each application using a special program will cost him 150 rubles. In addition, you will also have to pay 0.165% of the daily turnover. You can also submit an application for free by phone, and the commission will be 0.33% of the daily profit.

On the official website of Sberbank you can find detailed information about all tariffs and rates for brokerage services. With an increase in cash turnover, the commission for services changes proportionally.

Sberbank is one of the leading financial institutions in the Russian Federation. The key elements of its development strategy are the provision of banking services at a high level, strengthening the market position, developing the state's economy, and increasing return on capital. Among the wide range of offers, brokerage services occupy a special place.

Terms of provision of brokerage services by Sberbank

Sberbank provides brokerage services to individuals and legal entities – residents of the Russian Federation (within the framework of the Federal Law “On the Securities Market”). ? A mandatory condition for obtaining a loan from this financial institution is the submission of a document confirming the financial condition of the borrower and his employment. In order to use the brokerage services of Sberbank, an individual needs to write a corresponding application in two copies and provide a package of papers:

• investor questionnaire according to the bank form;
• identification document;
• original or certified copy of tax registration certificate.

A legal entity will need to prepare constituent documents, a copy of the Certificate of Entry into the Unified State Register of Legal Entities (for those registered before July 1, 2002) or a duplicate of the Certificate of State Registration of a legal entity (for those registered after this date), papers confirming authority persons who can act on behalf of the client. You will also need an original or copy of an extract from the Unified State Register of Legal Entities, certificates from statistical authorities on the assignment of codes, OKPO, licenses, a bank card with sample signatures and seal impressions. By the way, this happens automatically the next day after registration. If desired, this can be done earlier by using a terminal or ATM.

Advice: It is important to remember that the terms of cooperation with Sberbank posted on the organization’s website do not constitute an official offer. Therefore, before signing an official contract, you must carefully read all its clauses (and, if necessary, obtain legal advice, because additional conditions may be included in it).

Acceptance and registration of an application for brokerage services does not mean its approval. After official confirmation of cooperation, accounts are opened for the client (main brokerage, trading, securities account), accounting registers, and, if necessary, a registration code is assigned. Detailed information about tariffs can be found on the Sberbank website by clicking on the tabs: Private clients – Investments and securities – Online brokerage services – Tariffs and documents – Tariffs. On April 1, 2017, changes were made to them, in particular, the quota for issuing free orders by phone for 1 month was reduced (from 40 to 20 pieces). The 21st order will cost 150 rubles. If desired, a trader can use the service under different programs: Head of Family Online, Protection of Loved Ones Online, Protected Borrower, Travel Insurance, Savings (Investment) Life Insurance.

Advantages of cooperation with Sberbank as a broker

It is important to remember that the client must independently ensure the availability of software and hardware for the operation of the Internet trading system, their functionality, and receipt of communication services. Information received from Sberbank cannot be copied, published or transferred to third parties. It is necessary to understand that a financial institution does not make investment decisions on its own, does not act as a manager or advisor, does not check the information in the client’s documents, but only carries out his instructions. The broker does not provide any guarantees regarding the successful placement, sale of securities, or failure to comply with the terms of cooperation with a credit (clearing) organization. Investment activity is always associated with the risk of receiving less income than expected, partial or complete loss of investments. If desired, you can register, which will allow you to receive a stable profit in the amount of 3.5% per annum on the account balance.

Reviews from a large number of clients indicate significant shortcomings in cooperation with a broker from Sberbank. First of all, they note the rather high tariffs compared to the level of services provided. Among the disadvantages, the most often noted is the lack of the ability to create charts and the unstable operation of the trading program. Brokerage services are only suitable for those who have a turnover of more than 1 million per week. In addition, access is only possible to the Moscow Interbank Currency Exchange, and the trading program does not work with maximum efficiency. The opportunities for many clients are reduced by the fact that they can only work with Russian currency exchanges; they cannot invest in shares of foreign companies.

Among the advantages, it should be noted the high reliability of the organization, the qualifications of brokers, the convenient QUIK trading program, the absence of the need to submit tax reports yourself, and the availability of automatic calculation and withholding of taxes. There is also an SMS notification. But due to fairly high commissions, it will be difficult to actively trade and make a good profit. Many note that there is a fixed amount for the depository, some commissions are hidden in the tariffs, accounts are not always opened on time, and during this time the shares manage to rise in price. Of course, it is the trader’s responsibility to carefully study the terms of cooperation, but such data should be placed systematically (and in such a way that it is comfortable to study). Therefore, in the opinion of the majority, Sberbank's brokerage services are more suitable for those who engage in inactive trading, for those for whom the main choice factor is reliability and stability. Real