Nigute ushobora gufungura IIS Tinkoff, ibisabwa, ibiciro, uburyo bwo kugabanywa

Ishoramari ukoresheje konti yishoramari kugiti cye nimwe muburyo bwo gushora amafaranga neza. Amabanki menshi atanga amahirwe yo gufungura IIS. Umwe muribo ni Tinkoff-Bank. Muri iki kiganiro, tuzavuga kubyerekeye Tinkoff IIS icyo aricyo, uburyo bwo gutanga no gukoresha konti yishoramari kugiti cya Tinkoff, hamwe nuburyo bwo gukoresha, ibyiza nibibi.

Niki IIS Tinkoff

Konti yishoramari kugiti cye ni ubwoko bwihariye bwa konti ya brokerage. Hamwe niyi konti, urashobora kugura ububiko, ingwate, amafaranga. Itandukaniro nyamukuru nubushobozi bwo kwakira umusoro, bidashoboka hamwe na konte isanzwe ya brokerage. Na none, leta irashobora gushyiraho imipaka ninyungu zijyanye na IIS. Ukurikije ubwoko bwubuyobozi, ubwoko bubiri buratandukanye: bugenzurwa bwigenga kandi binyuze mumasosiyete icunga. Tinkoff-Bank itanga amahirwe yo gutanga IIS ifite ibihe byiza. Video yuburezi – Tinkoff IIS niki, uburyo bwo gushora imari no kuyinjiza muri 2022: https://youtu.be/YUp_Fw8CPks

Nigute ushobora gusaba Tinkoff IIS – ni ayahe makuru akenewe kugirango ufungure konti yishoramari kugiti cye hamwe na Tinkoff

Urashobora gufungura IIS kumurongo https://www.tinkoff.ru/invest/iis/ Kugira ngo wiyandikishe, ugomba kuzuza urupapuro kurubuga rwa banki. Ku ntambwe yambere, uzakenera kwerekana izina ryawe ryuzuye na numero ya terefone.
SMS ifite kode izoherezwa kuri nimero yagenwe. Igomba kwinjizwa muburyo bukurikira.
Injira ijambo ryibanga kuri konte yawe ya Tinkoff-Bank.
Ku ntambwe ya kabiri, ugomba gusoma ingingo za serivisi hanyuma ugasinya urupapuro rusaba ukoresheje SMS.
Ku ntambwe ya gatatu, uzakenera gukuramo porogaramu ya Tinkoff ishoramari. Konti izafungurwa mumunsi umwe wubucuruzi.
Ipaji yo gukuramo porogaramu isa nkiyi.
Mubisabwa, ugomba kwinjiza nimero ya terefone ikarita ya Tinkoff-Bank ihujwe.
SMS ifite kode yemeza izoherezwa kuri terefone yawe. Ugomba kubyinjiza muburyo.
Injira ijambo ryibanga kuri konte yawe bwite Tinkoff-Bank
Shiraho kode yinjira muri porogaramu ya Tinkoff ishoramari.
Nyuma yo kwinjizamo kode, menu yingenzi ya porogaramu irakinguka. Ihanagura ibumoso.
Mu idirishya rifungura, kanda kuri bouton “Fungura IIS”.
Serivisi izatuburira ko ushobora kugira konti imwe gusa. Niba rero ufite konti hamwe nindi banki, funga. Niba udafite konti zisa nizindi banki, kanda kuri “Ntabwo mfite indi IIS”.
Nigute ushobora gufungura konti yishoramari kugiti cye hamwe na Tinkoffbank – intambwe ku ntambwe amabwiriza yo gufungura IIA mu ishoramari rya Tinkoff: https://youtu.be/WNotdO5aI2Y

Ninde ushobora gufungura IIS?

Gusa umuntu ku giti cye utuye imisoro n’umuturage w’Uburusiya kandi ufite imyaka 18 afite uburenganzira bwo gufungura konti. Kugira ngo ube umusoreshwa utuye mu Burusiya, ugomba kuguma muri Federasiyo y’Uburusiya byibura iminsi 183 mu mwaka. IIS irashobora gufungurwa na rwiyemezamirimo kugiti cye, yikorera wenyine, umukozi wa leta, pansiyo, umusirikare.

Abakozi ba Leta n’abakozi ba gisirikare ntibemerewe gutunga umutungo n’umutungo by’amahanga, kubitunga byavamo amakimbirane y’inyungu.

Igenzura no guhitamo

Urashobora gucunga ishoramari haba muri porogaramu igendanwa no muri Tinkoff ishoramari. Ukeneye ibisobanuro birambuye, kurikira umurongo https://help.tinkoff.ru/terminal/ Porogaramu igendanwa ikubiyemo ibice 5 by’ingenzi: “Portfolio”, “Ibyo kugura”, “Kugaburira”, “Kuganira” na “Ibindi”. Igice cya Portfolio gikubiyemo amakuru ajyanye na konti n’umutungo wimari wabonye. Muri iki gice, urashobora kuzuza impirimbanyi no kwiga kubyerekeye ibikorwa bikora kandi byuzuye.
Mu nguni yo hejuru iburyo hari buto “Ibyabaye”, ukanze ushobora kubona ibyabaye byose hamwe niyi konti.
Niba ukanze kubintu runaka, urashobora kubona ibisobanuro byose kuri yo.
Mu gice “Ibyo kugura”, urashobora guhitamo umutungo ushobora gushoramo imari. Irashobora kuba amafaranga, ububiko, ingwate, ejo hazaza, amafaranga.
“Tape” – amakuru, isesengura nandi makuru yingenzi agira ingaruka kuri cote. Hano urashobora gusura imbuga nkoranyambaga kubashoramari “Pulse”, ukumva podcast kumutwe wishoramari, soma ibitabo.
“Kuganira” – hano urashobora guhana ubutumwa hamwe nabagenzi bawe, ndetse no gushaka ubufasha kumasaha ya tekinike.
Mu gice cya “Byinshi”, hashyizweho tabs “Igenamiterere”, “Umwirondoro” na “Amakuru”. Muri tab “Umwirondoro”, uyikoresha arashobora guhitamo gahunda yimisoro hanyuma agakora ikizamini kugirango amenye uburyo bwubucuruzi numwirondoro wishoramari. Muri tab imwe, urashobora kuzuza urupapuro rwa W-8BEN. Ibi birakwiye gukora niba umushoramari aguze imigabane yamahanga, kurugero, kuva ivunjisha rya NASDAQ. Ifishi yuzuye izerekana ko umushoramari atari umunyamerika utuye. Kuva kuriyi tab, urashobora kujya kumurongo wawe muri Pulse – umuyoboro wa Tinkoff-Ishoramari.

Niba ucuruza umutungo wamahanga utujuje ifishi, umusoro uzaba 30%. Iyo birangiye, umusoro urashobora kugabanuka kugera kuri 13%.

“Igenamiterere” igufasha kugena amakuru yamakuru nibyabaye, gushoboza kumenyesha gusunika, guhitamo kwinjira, kwemeza SMS ibikorwa byubucuruzi.
Muri tab yamakuru, urashobora kubona ibisubizo kubibazo bikunze kubazwa, gukemura ibibazo bidashobora gukemurwa muri tab, hanyuma ukareba ibisobanuro birambuye. Urashobora gufungura konti yishoramari ya Tinkoff kumurongo kuri https://www.tinkoff.ru/invest/iis/:

Nigute ushobora kubona IIS kugabanywa muburyo bwa Tinkoff Bank A na B.

IIS yo muri Banki ya Tinkoff iteganya gukuramo imisoro y’ubwoko A na B. Mu rubanza rwa mbere, 13% by’amafaranga yabitswe ashobora gusubizwa buri mwaka. Amafaranga yo kuzuza ntagomba kurenza amafaranga 400.000 kumwaka. Mugabanye ubwoko bwa A, urashobora kubona amafaranga 52.000 kumwaka. Kugira ngo yinjize, nyir’ubwite agomba kugira amafaranga yinjiza umusoro ku nyungu bwite. Niba amafaranga yinjiza ari 30.000, amafaranga menshi yo kugabanywa azaba 46.800.
Umushoramari arashobora kugabanyirizwa ubu bwoko yuzuza ibyifuzo kurubuga rwa serivisi ishinzwe imisoro cyangwa gutanga ibyifuzo imbonankubone ku biro by’akarere ka serivisi. Inyandiko zikurikira zirakenewe kugirango ugabanuke Ubwoko A:

1. Itangazo 3-NDFL, ryujujwe kumurongo kurubuga rwa serivisi ishinzwe imisoro.
2. Icyemezo 2-NDFL kumwaka wo kubitsa amafaranga kuri konti yishoramari. Bizemeza ukuri ko kwinjiza no kwishyura umusoro ku gipimo cya 13% mugihe cyimisoro. Itangwa mu ishami rishinzwe ibaruramari kuri buri mwanya wakazi.

Urashobora gutegereza icyemezo cya 2-NDFL kurubuga rwa serivise yimisoro, hanyuma ukayikuramo mugihe wuzuza imenyekanisha rya 3-NDFL. Nkuko bisanzwe, bishyirwaho nyuma yitariki ya 1 Mata ya buri mwaka.

3. Inyandiko ziva mu bunzi. Tinkoff-Bank izabategura nyuma yumwaka wa konti. Bazakenera gukururwa mubisabwa muri Tinkoff ishoramari cyangwa kuri konte yawe bwite kurubuga rwa tinkoff.ru, hanyuma bigashyirwa kumpapuro kurubuga rwa FTS.

Tinkoff-Bank izatanga raporo kubyerekeye ibikorwa n’ibikorwa nibisabwa n’ibiro by’imisoro. Kugirango ukore ibi, ugomba kwandika kuri serivise yingoboka muganira cyangwa kurubuga rwa tinkoff.ru. Inyandiko yateguwe muminsi 10 yakazi kandi yoherejwe na posita kuri aderesi yoroshye.

Ubwoko B kugabanywa bishobora kwakirwa gusa iyo konti ifunze. Hamwe n’uku kugabanywa, urashobora kubona inyungu kubushoramari utishyuye umusoro. Ubu bwoko bwo kugabanywa ntibushobora kwakirwa mbere yimyaka 3 nyuma yo gufungura konti.
Reka tuvuge mu ntangiriro za 2020 umushoramari yafunguye konti ayishyiramo amafaranga 300.000. Ishoramari ryaragenze neza, kandi imigabane yashoye yungutse agaciro. Mu ntangiriro za 2023, umushoramari yahisemo kugurisha imigabane no gufunga konti. Konti nyuma yo kugurisha imigabane ingana na 900.000. Amafaranga yinjiye nyuma yo gukuramo komisiyo angana na 600.000, umusoro uva muri yo – 78.000.Gusaba kugabanyirizwa ubwoko B bitangwa binyuze mubunzi mbere yuko konti ifunga cyangwa ku biro by’imisoro. Irashobora gutangwa kumuntu cyangwa kumurongo. Broker ntazakuramo umusoro kumafaranga yishoramari mugihe usabye. Ariko niba umushoramari yiyemeje gutanga ikirego muri Serivisi ishinzwe imisoro, umunyamabanga azandika imisoro, hanyuma ikigo gishinzwe imisoro, nyuma yo kugenzurwa, azemeza kugabanywa ku ikarita yumushoramari.

Gushora imari binyuze muri IIS Tinkoff – ibisabwa

Tinkoff-Bank itanga uburyo bukurikira bwo gushora imari:

1. Gucunga ishoramari biroroshye – ukoresheje porogaramu kuri terefone. Ifite intera isobanutse, yorohereza abitangira n’abashoramari b’inararibonye.
2. Gusaba kumurongo birashobora kuzuzwa muminota mike. Uhagarariye banki azahagera afite ibyangombwa mugihe gikwiye. Nyir’ikarita ya Tinkoff-Bank arashobora gusinya inyandiko hamwe na kode ya SMS, nyuma ya konti ikazafungurwa ako kanya. IIS izafungurwa kumunsi wakazi utaha niba gusaba gusigaye nyuma yisaha 19h00 za Moscou cyangwa ku isoko ryimigabane umunsi wikiruhuko.
3. Urashobora gushora nubwo ufite amafaranga 10 kuri konte yawe. Iki nigiciro cyumugabane umwe wamafaranga Iteka rya Portfolio yatanzwe na sosiyete icunga Tinkoff Capital. Igiciro cyinguzanyo nyinshi ni 1000.
4. Igice “Ibyo kugura” kirimo guhitamo umutungo namakuru ajyanye nibigo bikurura abantu. Umushoramari ntazahomba hamwe no guhitamo imigabane.
5. Ishoramari rya Tinkoff ritanga imigabane myinshi ninguzanyo ziva mubigo byu Burusiya n’amahanga. Abakoresha serivisi barashobora gushora imari mumafaranga 8 akomeye kwisi.
6. Umunsi uwariwo wose wicyumweru, urashobora kubona inkunga kuri konte yawe bwite cyangwa mukiganiro cyo gusaba.

.
_

Komisiyo n’amahoro muri IIS Tinkoff Ishoramari

Hano hari ibiciro bibiri kuri IIS Tinkoff. Niba umukoresha adakunze gucuruza ku isoko ryimigabane, igiciro cyabashoramari kiramukwiriye. Yishyuza komisiyo gusa iyo isoza ibikorwa, kandi igera kuri 0.3%. Kubakora umwuga wo gushora imari, igiciro cyabacuruzi kirakwiriye.
Amahoro T. Ishoramari [/ caption] Guhuza ibiciro: %, ariko buri kwezi hishyurwa amafaranga 290. Ukwezi kwishura ntabwo kugabanwa mumezi mugihe umucuruzi adakoresha konti. .
_

Ni irihe tandukaniro riri hagati ya konte ya brokerage na IIS Tinkoff?

Umuturage arashobora gufungura konti imwe gusa, mugihe hashobora kuba hari brokerage nyinshi. Hifashishijwe IIS, urashobora kubona kugabanyirizwa umusoro kumisanzu no kwinjiza. IIS igufasha kubona amafaranga yemewe binyuze mu kugabanya umusoro. Igice cy’umusoro ku nyungu yishyuwe gisubizwa muburyo bw’amafaranga agera ku 52.000. Birashoboka kandi gukuraho kwishyura umusoro wa 13% kumafaranga ava mubikorwa. Umusoro wubucuruzi ntubarwa buri mwaka, ariko mugihe IIS ifunze.

Nakura he konti yishoramari ya Tinkoff kugiti cye?

Urashobora kubona amakuru yose akenewe, kimwe no gufungura Tinkoff IIS, kumurongo https://www.tinkoff.ru/invest/iis/

Ni izihe ngaruka za konti y’ishoramari ku giti cye

Igihe ntarengwa cyo kubaho kwa IIS ni imyaka 3, mugihe bibujijwe gukuramo amafaranga mbere yuko iki gihe kirangira. Bitabaye ibyo, konte izahita ifungwa kandi uyikoresha atakaza uburenganzira bwo kugabanyirizwa umusoro. Nubwo bishoboka kugura amafaranga yamahanga hifashishijwe IIS, konte irashobora kuzuzwa gusa mumafaranga yu Burusiya. Umubare ntarengwa wuzuye ni 1.000.000 kumafaranga kumwaka. Iyi mipaka ivugururwa ku ya 1 Mutarama ya buri mwaka.

Kuki IIS ikenewe?

Konti yishoramari kugiti cye ni konti yo gucuruza kungurana ibitekerezo hamwe n’imisoro yemewe. Kimwe na konte ya brokerage, ubifashijwemo na IIS urashobora kugura no kugurisha amafaranga, imigabane na bonds.

Isubiramo kubyerekeye gushora imari muri IIS Tinkoff

Nashidikanyaga kuri porogaramu zo gucuruza imigabane. Ariko iyo nagerageje gushora Tinkoff, nishimiye imikorere nuburyo bworoshye. Muri porogaramu, urashobora kubona incamake n’ibipimo byumutungo mushya. Porogaramu ihamye, ihindura byihuse kuri seriveri yubuntu. Ifaranga ryinjiye muminota mike y’urugendo kuri ATM ya Tinkoff. Ndasaba abantu bose porogaramu.

Nibisobanuro byo hejuru hamwe na porogaramu. Nubwo igisubizo cyibiganiro kitihuta cyane, ariko umuvuduko mubushoramari ni ngombwa. Ku mukozi wa Leta, icyemezo cyo gutangaza cyatwaye igihe kirekire.

Kurubuga rwa banki.ru hari isubiramo ryumushoramari uvuga inkuru yo gukuramo amafaranga kuri konti. Yabonye amasezerano meza, nuko ahitamo gufunga konti.
Ku ya 31 Ukwakira 2019, yagurishije umutungo wose kuri konti maze akuramo amafaranga. Ku ya 5 Ugushyingo, yatanze icyifuzo cyo gufunga konti akoresheje ikiganiro gishyigikira, umuyobozi asubiza ko konti izafungwa mu minsi 30.
Ku ya 7 Ugushyingo, umushoramari yafunguye indi IIA, mu gihe yemeza ko asanzwe afite konti nk’iyi, igomba gufungwa mu minsi 30. Ku ya 6 Ukuboza, Tinkoff-Bank yohereje ubutumwa ku mushoramari avuga ko bidashoboka gufunga konti.
Nyuma yo kubona ubu butumwa ku ya 16 Ukuboza, umukoresha yagerageje kumenya impamvu bidashoboka gufunga konti. Ntiyabonye igisubizo cyumvikana.
Kubera ubwo bushobozi, guhera ku ya 16 Ukuboza 2019, umushoramari afite ibyago byo kutabona inyungu z’imisoro muri 2019. Afite konti ebyiri: muri Tinkoff-Bank hamwe na broker mushya.
Umukoresha wa konti araburira abandi bashoramari kwirinda gukoresha iyi serivisi.IIS Ishoramari rya Tinkoff – ibisubizo byishoramari mumigabane mumezi 10, uburambe bufatika – gusubiramo amashusho: https://youtu.be/d2jUT4Laga4 Na none, robot yo gucuruza algorithmic iraboneka kubucuruzi kubushoramari bwa Tinkoff: https: //articles.opexflow .com / ubucuruzi- bots / tinkoff-umushoramari.htm Konti yishoramari kugiti cye itanga imisoro ariko ifite imipaka ikoreshwa. Tinkoff-Bank itanga uburyo bwiza bwo gushora imari muri IIS. Mugihe abashoramari benshi babona neza ishoramari rya Tinkoff, hari na amakosa ya serivisi.