Mutual funds ezisuubulirwa mu kuwaanyisiganya kye ki, okuteeka ssente mu BPIF

BPIFs – kiki mu bigambo ebyangu n’engeri y’okuteeka ssente mu mutual funds ezisuubulirwa mu kuwaanyisiganya ssente, engeri y’okugula ku Moscow Exchange. Okutandika mu 2020, abantu beeyongera okwagala okuteeka ssente okulaba ng’obukadde buba butafaayo oba okumala okwongera ku nsimbi ze bateeka, naye okuteeka ssente mu bizinensi zeetaaga okumanya okumu. Mu kiwandiiko kino twogera ku BPIFs, tujja kwekenneenya ebirungi n’ebibi ebiri mu kikozesebwa, era n’okuddamu ebibuuzo ebitera okubuuzibwa.

BPIF kye ki mu bigambo ebyangu

Enfunyiro ya BPIF ye nsawo y’okusiga ensimbi esuubulirwa mu kuwaanyisiganya ssente. Kino kye kimu ku bikozesebwa, ekigendererwa kyakyo ekikulu kwe kuwa amagoba amangi bw’ogeraageranya n’ebitereke mu bintu ebya bulijjo ebya bbanka. Esaanira bamusigansimbi abalina obumanyirivu n’abatandisi. Ku exchange osobola okusanga ssente za BPIF ne ETF, zirina enjawulo emu ey’amaanyi:

1. ETFs ssente eziwandiisiddwa ebweru wa Russia, naye nga zisobola okugulibwa mu Russia;
2. BPIF teyawukana ku yasooka, okuggyako nti ssente ezo ziwandiisibwa mu Russia yokka, ekifo kino kiyinza okubeeramu emigabo gya kkampuni okuva mu mawanga amalala.

Era kirungi okumanya nti waliwo mutual fund – mutual investment fund etasuubulirwa ku butale bw’emigabo. Okugula eky’obugagga eky’ekika kino kuyinza okukolebwa butereevu okuva mu kkampuni eddukanya. Kino teweetaaga wadde
akawunti ya brokerage . https://articles.opexflow.com/investments/pif.htm Naye emigabo gya BPIF osobola okugigula butereevu ku katale k’emigabo. Kimala omusigansimbi okuyingira butereevu mu katale k’emigabo oba okuyita mu batabaganya, okugeza, okuyita mu
Tinkoff Investments , okulonda ensawo n’okugula omuwendo gw’emigabo ogwetaagisa. BPIFs ziyinza okubeeramu: emigabo gya kkampuni ezikola amagoba, ssente, ebyuma eby’omuwendo, nga zaabu, awamu n’ebintu ebirala. Mutual fund eya bulijjo oba exchange mutual fund – kiki ky’olina okulonda n’engeri emu gye yawukana ku ndala: https://youtu.be/fpoDFrnvQDo

Ebintu eby’enjawulo

BPIFs tezifugibwa active management, okuva kampuni eziddukanya bwe zibeera n’emigabo okumala ebbanga eddene, kale okuteebereza tekuliimu nsonga. Ebiseera ebisinga ensengeka y’ekifo ky’ensawo tekyuka okumala emyaka kkumi. Okugula yuniti za nsawo kisobozesa okuteeka ssente mu by’obugagga ebitali ku butale bw’okuwanyisiganya ssente mu ngeri ey’enjawulo. Abatandisi b’ensimbi zino bakola lipoota buli kiseera, kale tewali kubuusabuusa ku bwerufu. Era, mu butale obusinga obungi obw’okuwanyisiganya ssente, osobola okulondoola ensengeka y’ekifo mu kiseera ekituufu.

Ebyetaagisa ku yuniti z’okusiga ensimbi mu nsimbi z’okugatta ezisuubulirwa mu kukyusakyusa ku https://www.moex.com/a2613

Engeri BPIF gy’ekolamu

Abatandisi ba BPIFs bafuna eby’obugagga nga bakozesa ssente bamusigansimbi ze batadde mu nsawo eno nga bagula emigabo. Ekisembayo, mu ngeri ye, afuuka nnannyini migabo gyonna mu kifo. Omugabo gwe mugabo gwe gumu n’ogw’omugabo ogwa bulijjo. Emiwendo gya yuniti gikolebwa mu ngeri ya otomatiki, kino kibaawo buli lunaku, okuggyako wiikendi. Zisinziira ku muwendo gw’eby’obugagga ebiri mu kifo ky’ensawo. Okugeza singa emigabo gy’emu ku kkampuni girinnye nnyo, olwo omugabo gujja kulinnya mu bbeeyi, kino nakyo kibaawo mu kkubo ery’ekikontana. BPIF ne ETF – enjawulo ki, okufaanagana n’enjawulo, ebirungi n’ebibi: https://youtu.be/4wPpZM_JmCs

Engeri y’okugulamu BPIF

Nga tonnatandika kugula bya bugagga byonna, olina okuggulawo akawunti ya brokerage. Engeri ennyangu ey’okukola kino kwe kuyita mu bbanka ennene ez’oku yintaneeti, eziwa obusobozi bw’okuteeka ssente mu migatte, okugeza:

• Tinkoff nga bwe kiri;
• Bbanka ya Alfa;
• Sberbank nga bwe kiri.

https://articles.opexflow.com/brokers/brokerskij-schet.htm Kya lwatu, waliwo bbanka endala, naye zino ze zisinga okwettanirwa mu Russia. Osobola n’okuggulawo akawunti ya brokerage butereevu okugeza ku Moscow Exchange. Sberbank exchange-traded mutual funds: kigwana okuteeka ssente mu SBMX, SBSP, SBRB, SBCB ne SBGB mutual funds: https://youtu.be/DBRrF-z-1do

Okuyigiriza okw’omutendera ku mutendera

Nga tukozesa ekyokulabirako ky’enkola ya
Tinkoff Investments https://www.tinkoff.ru/invest/, tujja kwekenneenya engeri gy’oyinza okugulamu yuniti z’ensimbi. Okugula, wewandiise mu kusaba, n’oluvannyuma ogende mu kitundu “Kiki ky’olina okugula”, kisangibwa wansi ddala mu pulogulaamu.
Ekiddako kwe kulonda ensawo, osobola okugisanga mu bbaala y’okunoonya, oba genda mu kitundu kya “Funds”.
Kiraga ssente zonna ezisobola okugulibwa mu kiseera kino. Waliwo obusobozi bw’okunoonya okusinziira ku misingi egimu, era osobola n’okulaba enkyukakyuka mu miwendo gy’ebintu mu lunaku lwa bizinensi olusembayo. Ku kyokulabirako ky’ensawo ya Tinkoff Eternal Portfolio, osobola okulaba engeri okugula emigabo gye kubaawo. Olina okugisanga mu lukalala olw’awamu oba ng’oyita mu kunoonya.
Wano osobola okulaba ekipande ky’enkyukakyuka mu miwendo okumala ekiseera ekigere, wamu n’okumanya ensengeka, ekigendererwa n’obutonde bw’ensawo mu “Overview” tab. Osobola n’okukebera amawulire agafaayo eyo. Okugula omugabo, olina okunyiga ku bbululu ekwatagana nayo.
Oluvannyuma lw’ekyo, omukozesa ajja kuba mu menu y’okugula, ebbeeyi eriwo kati gy’egenda okubeera mu kiseera kino. Olina okulaga omuwendo gwa looti, ​​n’oluvannyuma onyige ku bbaatuuni ya “Gula”. Kisaana okutunuulirwa nti singa mu kiseera kino eky’okuwanyisiganya tekiba na muwendo gwa migabo ogwetaagisa ku bbeeyi eweereddwa, olwo ekiragiro kijja kufuuka ekiragiro eky’ekkomo – looti tezijja kugulibwa ku bbeeyi esinga ku eyo eweereddwa.

Ebisale n’obusuulu bye biruwa

Tewerabira ku busuulu, kuba ba broker bawa obuweereza ku musingi gw’okusasula. Okusinziira ku by’obugagga by’olonze, akakiiko kayinza okwawukana katono, naye bw’oba ​​ogula emigabo mingi, omusigansimbi ajja kuwulira enjawulo, n’olwekyo olina okugifaako. Ebisale ebikulu bisatu bisobola okwawulwamu, nga kwotadde n’omuwendo gw’omugabo.

1. akakiiko ka broker . Ebiseera ebisinga kiba kitono era tekisukka 0.1-0.3%, okuva ba broker bwe baagala okukolagana n’abantu ssekinnoomu.
2. Okusasula ssente ezisaasaanyizibwa mu nsawo esuubulirwa mu kuwaanyisiganya ssente . Tesukka bitundu 0.1% ku makungula aga wakati buli mwaka.
3. Akakiiko akaateekebwawo abaatandikawo . Kyetaagisa kkampuni eddukanya esobole okuddukanya eby’obugagga.

Amagoba agagenda mu nsaasaanya n’enzirukanya y’ensawo gatera okubeera mu bbeeyi y’omugabo. Zibalirirwa buli lunaku, okusinziira ku muwendo gw’ekifo kyonna.

Ebikwata ku BPIFs ku MOEX https://www.moex.com/s190

Okulonda ETF

Waliwo enkola nnyingi ez’okulonda ensawo, kumpi zonna zikwatagana nnyo n’ebigendererwa by’okusiga ensimbi, okuva bwe kiri nti zirina eddaala ery’enjawulo ery’akabi. Ebiruubirirwa ebitongole bijja kukuyamba okulonda ETF entuufu. Okugeza, ssente ezirina bbalansi zigumira sitooka ezigwa kubanga zirina eby’obugagga mu kifo kyazo ebisobola okuliyirira okugwa. Ensawo ng’eyo esobola okuyitibwa conservative, okuva obulabe n’amagoba bwe biba ebitono. Kirungi okusasula ebbeeyi y’ebintu n’okukola kapito katono. Ensimbi z’akabi ezirimu emigabo zisaanira ebigendererwa eby’ekiseera ekiwanvu. Sitooki ezisinga zirinnya mu bbanga, naye ziyinza okuba nga tezikyukakyuka okumala ekiseera ekitono. Kikulu kyenkanyi okulonda ssente mw’ogenda okuteeka ssente mu nsawo. Mu Russia, batera okuteeka ssente mu ruble, naye endowooza ey’ekiseera ekiwanvu ekendeeza ku muwendo gw’ensimbi z’eggwanga amangu okusinga Euro oba ddoola ya Amerika. Waliwo amateeka abiri amakulu:

• eby’obugagga by’ensawo tebirina kwesigama ku birala;
• akakiiko k’okugula n’okutunda kalina okuba akatono.

Oluvannyuma lw’okugula eky’obugagga, kirungi okukyerabira, okuva bwe kiri nti tewali mugaso gwonna mu kutunuulira okukula oba okugwa kw’emigabo. Omulundi gumu mu mwezi oba n’okusingawo, osobola
okukyusakyusa mu kifo kyo . Era olina okwegendereza ssente empya ezitongozeddwa. Ebiseera ebisinga kumpi tewali mawulire gonna agakwata ku bo, ekitasobozesa kwekenneenya bulabe bwa nsimbi eziteekebwamu. Ekirala, abazannyi abapya batera okuba n’obusuulu obw’amaanyi, era kino kyabadde dda ekizibu kinene bw’ogeraageranya n’abavuganya.

Nze nneetaaga okusasula emisolo ne BPIF

Emisolo ku magoba, emigabo n’okusasula coupon gisasulwa kkampuni eddukanya ensawo. Omusigansimbi alina okusasula omusolo ku nnyingiza yokka gy’afuna ng’atunda emigabo, kwe kugamba, ku njawulo eriwo wakati w’emiwendo gy’okutunda n’okugula. Singa okuuma ssente mu BPIF okumala emyaka egisukka mu esatu, olwo omusigansimbi asonyiyibwa okusasula omusolo ku miganyulo gy’omusolo. Okusobola okufuna omusolo, olina okubeera n’emigabo okumala waakiri emyaka esatu, kasita ssente z’ofuna zaali wansi wa bukadde bwa rubles busatu buli mwaka. Kwe kugamba, singa omusigansimbi aba afunye ssente ezitakka wansi wa bukadde mwenda mu myaka esatu, olwo aba asonyiyibwa okusasula omusolo ku musolo oguggyibwako.

Kisoboka amagye, poliisi n’abakozi ba gavumenti okuteeka ssente mu BPIF

Abakozi b’ebitongole ebikuumaddembe mu Russia basobola okuteeka ssente mu BPIFs, nga muno mulimu eby’obugagga eby’omunda byokka. Wabula waliwo okuwera ssente z’ebweru, nga kino kiwandiikiddwa mu tteeka eriyitibwa “On Combating Corruption”. Kinajjukirwa nti ebifo byonna tebigwa wansi w’okuwera kuno, kale kirungi okwemanyiiza olukalala.

BPIFs n’obukwakkulizo ku ntandikwa ya 2022

Leero ba broker beeyongera obungi
abaagala okufuna bamusigansimbi ab’enkalakkalira. Singa emabegako walina okuyimirira mu nnyiriri ennene okugula obukuumi, kati buli kimu kibaawo ku yintaneeti ng’onyiga bbaatuuni ya “Gula”. Buli broker awaayo obukwakkulizo bwe era alina ebintu eby’enjawulo.

Ensimbi za mutual ezisuubulirwa mu kuwaanyisiganya Ku Moscow Exchange

Moscow Exchange mu kiseera kya 2022 egaba BPIF zino wammanga https://www.moex.com/msn/etf. Kino kiyamba abatandisi okutegeera engeri gye kikola. Osobola okutandika okuteeka ssente mu nsimbi ku Moscow Exchange okuva ku 100 rubles.

Tinkoff nga bwe kiri

Tinkoff erina BPIF eziwerako ezimanyiddwa ennyo, link https://www.tinkoff.ru/invest/tinkoff-capital/, zikakasa okukula kw’ebintu okuwangaala okumala ekiseera. Osobola okugula, okugeza, emigabo mu nsawo ya RUB Eternal Portfolio, esonyiyibwa ddala akakiiko ka broker.
Kirimu ebitundu bina ebyenkanankana: ssente ne bondi ez’ekiseera ekitono, emigabo gya kkampuni, zaabu ne bondi. Tinkoff ekyusakyusa mu kifo kino singa ekimu ku by’obugagga byeyongera nnyo. Bbeeyi y’emigabo etandikira ku 5 rubles, era amagoba mu myaka 18 gaali ebitundu 850 ku buli 100.

Sberbank nga bwe kiri

Sberbank egaba BPIF nnyingi https://www.sberbank.ru/ru/person/investments/pifs nga zirina ddaala lyonna ery’akabi. Kirungi nnyo eri bamusigansimbi abatandisi. Omusingi gw’okuyingira guli mugabo 1, era omuwendo gutandikira ku rubles ntono. Osobola okugula oba okutunda eby’obugagga amangu ddala mu ssaawa za bizinensi, era obusuulu n’ebisale tebisukka kitundu kimu ku buli kikumi.

VTB

Bbanka eddukanya BPIF ezisoba mu 20 https://broker.vtb.ru/services/pif/, etereeza ebbeeyi y’eby’obugagga buli lunaku awatali kusasula, era n’okukuuma ssente ezitereka okuva ku bbeeyi y’ebintu. Ekipimo ekitono eky’okuyingira kiri 1000 rubles. Ensawo ya risk-moderate fund ezzeemu okukola ebitundu ebisoba mu 12 ku buli 100 mu mwaka oguwedde. BPIFs ku Moscow Exchange ziri mu kifaananyi wansi, era olukalala lw’omwaka 2022 mu bujjuvu lusangibwa ku https://www.moex.com/msn/etf: MOEX[/ekigambo ekiwandiikiddwa].

Sitooki, bondi, ssente, ebintu n’eby’obugagga ebirala ebimu byokka bye bisobola okuteekebwa mu nsawo y’okusuubulagana esuubulirwa mu kukyusakyusa. Ensawo y’ebweru tesobola kubaamu BPIF, oba okuba ensawo ewandiisiddwa ebweru wa Russia.

Ebibuuzo n’eby’okuddamu

Kiki ekibaawo singa abatandisi b’ensawo eno bagwa? Ensawo y’okusiga ensimbi si ya kkampuni eddukanya emirimu. Singa kkampuni egwa, olwo tekijja kusoboka kuzza nsimbi mu BPIF, ssente zonna zijja kuddizibwa bannannyinizo, ensawo ejja kulekera awo okubaawo, era abatandisi bajja kufiirwa layisinsi yaabwe.
Ntunda emigabo singa bbeeyi ya nsawo egwa? Ekibuuzo kino kyolekedde buli mupya atandika okussa ssente mu mutual funds. Ekituufu kiri nti ensonga y’ensimbi ezisinga obungi kwe kuddamu okw’ekiseera ekiwanvu, kale singa obulabe buba butono, olwo kino kiba kulongoosa kwa bbanga ttono. Mu ngeri yonna, oba okutunda oba nedda kusalawo kwa buli musiga nsimbi ssekinnoomu, tekirumya kutegeera kiki ddala ekigwa mu bbeeyi, okukola okwekenneenya, era oluvannyuma lw’okukozesa kuno okusalawo okw’enkomerero.
Kisoboka okuzimba portfolio ku lwange nneme kusasula ssente za ssente ndala mu nsawo? Bwe wabaawo obudde n’omukisa, olwo tewali akugaana kukola portfolio ku bubwo. Wabula kino tekiba kya magoba bulijjo, okuva kkampuni eziddukanya bwe zirina abakugu abalina ebisaanyizo abakola ku kifo kino buli kiseera.
BPIF esobola okukakasa nti ejja kukola amagoba? Ekisooka, it is simply impossible, kubanga tewali amanyi kijja kutuuka ku by’obugagga enkya. Era ekyokubiri, kikugirwa mu mateeka.