Chii chinonzi exchange-traded mutual funds, investments muBPIF

BPIFs – ndezvipi zviri nyore uye maitiro ekudyara mukutsinhana-kutengesa mutual funds, sei kutenga paMoscow Exchange. Kutanga muna 2020, vanhu vari kuwedzera kufarira kuisa mari kuti vave nechokwadi chekuchembera kana kungowedzera mari yavo, asi kudyara kunoda ruzivo rwakati. Muchinyorwa chino tiri kutaura nezve BPIFs, isu tichaongorora zvakanakira uye zvakaipira zviridzwa, uye zvakare kupindura mibvunzo inowanzo bvunzwa.

Chii chinonzi BPIF mumashoko akareruka

Kudimburirwa kweBPIF ihomwe yekudyara inotengeswa. Ichi chiridzwa, chinangwa chikuru chekupa zvikwereti zvakakwirira zvichienzaniswa nedhipoziti mune zvakajairwa zvigadzirwa zvebhangi. Inokodzera kune vese vane ruzivo vanoita mari uye vanotanga. Pakuchinjana iwe unogona kuwana BPIF neETF mari, vane musiyano mumwe wakakura:

1. ETFs imari yakanyoreswa kunze kweRussian Federation, asi inowanikwa kutengwa muRussia;
2. BPIF haina kusiyana neyakatangira, kunze kwekuti mari yakadaro yakanyoreswa chete muRussian Federation, iyo portfolio inogona kusanganisira kuchengetedzwa kwemakambani kubva kune dzimwe nyika.

Zvakakoshawo kuziva kuti kune mutual fund – mutual investimendi homwe isingatengeswi pamasheya. Kutenga kwemhando iyi yeasset kunogona kuitwa zvakananga kubva kune manejimendi kambani. Iwe hautomboda
account yebrokerage yeizvi. https://articles.opexflow.com/investments/pif.htm Asi BPIF securities inogona kutengwa zvakananga pastock exchange. Zvakakwana kuti mutengesi apinde mumusika wekutengesa zvakananga kana kuburikidza nevamiriri, semuenzaniso, kuburikidza
neTinkoff Investments , sarudza homwe uye kutenga nhamba inodiwa yezvikamu. BPIFs inogona kusanganisira: migove yemakambani ane pundutso, mari, simbi dzinokosha, segoridhe, pamwe nezvimwe zvinhu. Ordinary mutual fund kana exchange mutual fund – yekusarudza uye kuti imwe inosiyana sei kubva kune imwe: https://youtu.be/fpoDFrnvQDo

Peculiarities

BPIFs haisi pasi pehutongi hunoshanda, sezvo makambani ekutungamira akabata migove kwenguva yakareba, saka kufungidzira hakuna mubvunzo. Kazhinji chimiro chehomwe yemari hachichinji kwemakore gumi. Kutengwa kwezvikwata zvehomwe kunoita kuti zvikwanise kuisa mari mumidziyo isingawanikwe pamisika yekuchinjana zvakasiyana. Vavambi vemari vanoita mishumo yenguva dzose, saka hapana mubvunzo pamusoro pekujeka. Zvakare, mumisika mizhinji yekuchinjana, unogona kuteedzera chimiro cheiyo portfolio munguva chaiyo. Zvinodiwa zvekudyara zvikamu zvekuchinjana-traded mutual funds pa https://www.moex.com/a2613

Iyo BPIF inoshanda sei

Vavambi veBPIFs vanowana midziyo nemari iyo vanoisa mari muhomwe iyi nekutenga migove. Iyo yekupedzisira, zvakare, inova mubati-muridzi wese securities mune portfolio. Mugove ichengetedzo yakafanana nemugovewowo. Mitengo yemayuniti inoumbwa otomatiki, izvi zvinoitika mazuva ese, kunze kwekupera kwevhiki. Zvinoenderana nekukosha kwemidziyo iri muhomwe yemari. Semuenzaniso, kana zvivimbiso zveimwe yemakambani zvakakwira zvakanyanya, ipapo chikamu chichakwira mumutengo, izvi zvinoitikawo kune zvakasiyana. BPIF neETF – ndeipi misiyano, kufanana uye kusiyana, zvakanakira nezvazvakaipira: https://youtu.be/4wPpZM_JmCs

Nzira yekutenga BPIF

Usati watanga kutenga chero zvinhu, unofanirwa kuvhura account yebrokerage. Nzira iri nyore yekuita izvi ndeye kuburikidza nemabhangi makuru epamhepo, ayo anopa mukana wekudyara muzvibatiso, semuenzaniso:

• Tinkoff;
• Alfa Bank;
• Sberbank.

https://articles.opexflow.com/brokers/brokerskij-schet.htm Zvechokwadi, kune mamwe mabhanga, asi aya ndiwo anozivikanwa zvikuru muRussian Federation. Iwe unogona zvakare kuvhura account yebrokerage zvakananga, semuenzaniso, paMoscow Exchange. Sberbank exchange-traded mutual funds: zvakakodzera here kuisa mari muSBMX, SBSP, SBRB, SBCB uye SBGB mutual funds: https://youtu.be/DBrrF-z-1do

Nhanho-nhanho kuraira

Tichishandisa muenzaniso
weTinkoff Investments application https://www.tinkoff.ru/invest/, tichaongorora kuti ungatenga sei mahomwe zvikamu. Kutenga, kunyoresa muchirongwa, uye wozoenda kune “Chii chekutenga” chikamu, chiri pazasi pechirongwa.
Nhanho inotevera ndeyekusarudza homwe, unogona kuiwana mubhari yekutsvaga, kana kuenda kuchikamu che “Funds”.
Inoratidza mari yose inogona kutengwa panguva ino. Iko kugona kutsvaga nemamwe maitiro, uye iwe unogona zvakare kuona shanduko mumitengo yeasset pazuva rekupedzisira rebhizinesi. Pamuenzaniso weTinkoff Eternal Portfolio fund, unogona kuona kuti kutenga kwemasheya kunoitika sei. Iwe unofanirwa kuiwana mune yakajairika runyorwa kana kuburikidza nekutsvaga.
Pano iwe unogona kuona chati yekuchinja kwemutengo kune imwe nguva yenguva, pamwe nekujairana nechimiro, chinangwa uye kuumbwa kwehomwe mu “Overview” tab. Unogonawo kutarisa nhau dzichangoburwa ipapo. Kuti utenge mugove, unofanira kubaya bhatani rebhuruu rinoenderana.
Mushure meizvozvo, mushandisi achave ari mumenyu yekutenga, uko mutengo wazvino uchave panguva ino. Iwe unofanirwa kutsanangura huwandu hwemijenya, uye wobva wadzvanya pa “Buy” bhatani. Inofanira kurangarirwa kuti kana panguva iyo kuchinjana kusina nhamba inodiwa yezvikamu pamutengo wakapiwa, ipapo urongwa huchava muganhu wekuraira – mijenya haizotengwi nemutengo wakakwirira kudarika wakapiwa.

Ndeipi mari uye makomisheni

Usakanganwa nezvemakomisheni, sezvo vatengesi vanopa masevhisi pane yakabhadharwa. Zvichienderana neasiti yakasarudzwa, komisheni inogona kusiyanisa zvishoma, asi kana uchitenga nhamba yakakura yezvikamu, mubhadharisi anonzwa mutsauko, saka unofanirwa kuiteerera. Matatu makuru emitengo anogona kusiyaniswa, mukuwedzera kune mutengo wemugove.

1. broker commission . Kazhinji ishoma uye haipfuure 0.1-0.3%, sezvo vatengesi vanofarira kubatana nevanhu.
2. Kuvhara mari yehomwe yekuchinjana-traded fund . Haipfuuri 0.1% yeavhareji yegoho pagore.
3. Komisheni yakagadzwa nevakatanga . Inodiwa kuitira kuti manejimendi kambani ikwanise kubata midziyo.

Mbereko inoenda kumari yehomwe uye manejimendi inowanzobatanidzwa mumutengo wemugove. Izvo zvinoverengerwa zuva nezuva, zvichienderana nekukosha kweiyo yakazara portfolio.

Nezve maBPIF paMOEX https://www.moex.com/s190

Kusarudza ETF

Kune nzira dzakawanda dzekusarudza homwe, dzinenge dzese dzine hukama zvakanyanya nezvinangwa zvekudyara, sezvo vaine mwero wakasiyana wengozi. Zvinangwa zvakanangana zvichakubatsira kusarudza ETF chaiyo. Semuenzaniso, mari yakaenzana inogadzirisa kudonha kwemasheya nekuti ine midziyo mupotfolio yavo inogona kubhadhara kudonha. Homwe yakadaro inogona kunzi inochengetedza, sezvo njodzi uye kudzoka kwakaderera. Yakanakira kuvhara inflation uye capitalize zvishoma. Mari yengozi iyo inosanganisira migove inokodzera zvinangwa zvenguva refu. Mazhinji masheya anokwira pamusoro pechinhambwe, asi anogona kukanganisa kwenguva pfupi. Zvakakosha zvakaenzana kusarudza mari yekuisa mari muhomwe. MuRussia, vanowanzoisa mari muRuble, asi maonero enguva refu anoderedza mari yenyika nekukurumidza. kupfuura euro kana US dollar. Pane mitemo miviri mikuru:

• midziyo yehomwe haifaniri kuenderana;
• komisheni yekutenga nekutengesa inofanira kunge iri shoma.

Mushure mekutenga asset, zviri nani kukanganwa nezvazvo, sezvo pasina chikonzero chekutarisa kukura kana kudonha kwezvikamu. Kamwe chete pamwedzi kana zvishoma kazhinji, unogona
kusiyanisa yako portfolio .

Kinds

Kune marudzi matatu makuru eBPIFs.

1. Open . Rudzi urwu rwakakodzera kune vanotanga, unogona kutenga uye kutengesa asset panguva yebhizinesi maawa pasina zvirambidzo. Inoonekwa seine ngozi shoma, sezvo investor ane hukuru hwekutonga pamusoro pekudyara kwake.
2. Interval . Kutenga nekutengesa kunobvumirwa chete pane dzimwe nguva, kazhinji nguva dzinoverengeka mukati megore, uye nguva yacho haipfuuri mavhiki maviri. Njodzi uye mibairo yakakura kudarika maonero akazaruka, nokuti vanovamba vanogona kutarisira mari uye vasinganetseki kuti vatengesi vasina kuverenga vachatanga kutya panguva yekugadzirisa kana kudonha kwenguva pfupi.
3. Yakavharwa . Mhando iyi inoreva kudyara kwenguva refu – angangoita makore akati wandei. Assets haigone kubatwa neimwe nzira kusvika homwe yapera.

Zvakanakira uye zvakaipira zveBPIFs

Nekuda kwehuwandu hweBPIFs, munhu anodyara mari anogona kubva angoisa mari muhuwandu hwakawanda hwezvinhu. Asi chishandiso chega chega chine zvazvakanakira nezvazvakaipira. Izvo zvakanaka zvinosanganisira:

• kugona kutenga zvibatiso zvisiri pamusika weRussia kana stock exchange;
• nyore kusiyanisa portfolio yako;
• mutual funds haisi pasi pemitero pazvikamu zvemakambani eRussia;
• mutengo wechikamu chimwe cheBPIFs yemumba inogona kuve akati wandei rubles, izvo zvinokutendera kuti upinde nemari shoma;
• unogona kutenga zvinhu zvekunze kuburikidza neBPIFs, izvi zvinokuchengetedza kubva kumatambudziko asina kufanira nemitero inodzosa;
• mukana wekugamuchira kuderedzwa kwemutero, zvichienderana nekuwanikwa kweakaundi yekudyara yega.

Chibereko cheRussia BPIFs chinogona kunge chakakwirira kudarika maETF ekunze, ane portfolio yakafanana. Zvakaipa zvinosanganisira:

• dzimwe mari hadzisi pachena zvakakwana;
• makomisheni makuru akatangwa nevatangi;
• mari inoenderana nemutero wekugovera;
• dzimwe nguva mitengo yeasset mumari inosara kumashure kweiyo chaiyo.

Unofanirawo kungwarira mari ichangotangwa. Kazhinji hapana ruzivo nezve ivo, izvo zvisingatenderi kuongorora njodzi dzekudyara. Zvakare, vatambi vatsva vanowanzove neakakwira makomisheni, uye ichi chatova chihombe chekudzokera shure kana zvichienzaniswa nevakwikwidzi.

Ini ndinofanira kubhadhara mutero neBPIF

Mitero pamigove, migove uye kubhadhara makuponi inobhadharwa nekambani yekuchengetedza homwe. Mutyairi anosungirwa kubhadhara mutero chete pamari yaanowana panguva yekutengeswa kwezvibatiso, ndiko kuti, pamusiyano pakati pekutengesa nemitengo yekutenga. Kana iwe ukachengeta mari muBPIF kweanopfuura makore matatu, ipapo investor haasunungurwe kubhadhara mutero pamutero wemabhenefiti. Kuti ugamuchire zororo remutero, unofanirwa kubata migove kweanenge makore matatu, chero mari yacho yakaderera kupfuura mamirioni matatu rubles pagore. Kureva, kana muzvinashawo akawana isingasviki mamiriyoni mapfumbamwe rubles mumakore matatu, saka iye haabvumirwi kubhadhara mutero pakubvisa mutero.

Zvinoita here kuti mauto, mapurisa nevashandi vehurumende vaise mari kuBPIF

Vashandi vezvemitemo yeRussian Federation vanogona kuisa mari muBPIFs, iyo inosanganisira zvinhu zvemumba chete. Asi pane kurambidzwa kwemari yekunze, izvo zvakanyorwa mumutemo wekuti “On Combating Corruption”. Zvakakosha kucherechedza kuti hazvisi zvese zvinzvimbo zvinowira pasi pekurambidzwa uku, saka zviri nani kuti uzvizive nerondedzero.

BPIFs uye mamiriro ekutanga kwe2022

Nhasi kune akawanda uye akawanda
mabroker anoda kutsvaga vatengesi zvachose. Kana pakutanga waifanira kumira mumitsetse mikuru kuti utenge chengetedzo, izvozvi zvese zvinoitika online nekudzvanya bhatani rekuti “Tenga”. Imwe neimwe broker inopa ayo mamiriro uye ane akasiyana maficha.

Exchange-traded mutual funds PaMoscow Exchange

Moscow Exchange panguva ye2022 inopa inotevera BPIFs https://www.moex.com/msn/etf. Izvi zvinobatsira vanotanga kunzwisisa kuti zvinoshanda sei. Iwe unogona kutanga kuisa mari muMoscow Exchange kubva ku100 rubles.

Tinkoff

Tinkoff ine akati wandei anozivikanwa BPIFs, chinongedzo https://www.tinkoff.ru/invest/tinkoff-capital/, ivo vanovimbisa inoenderera mberi portfolio kukura nekufamba kwenguva. Iwe unogona kutenga, semuenzaniso, migove yeRUB Eternal Portfolio fund, iyo isingabhadharwe zvachose kubva kune bhuroka komisheni.
Iyo ine zvikamu zvina zvakaenzana: mari uye mabhondi enguva pfupi, migove yekambani, goridhe nemabhondi. Tinkoff inosiyanisa iyo portfolio kana imwe yemidziyo ichiwedzera zvakanyanya. Mutengo wezvikamu unotanga kubva ku5 rubles, uye goho pamusoro pemakore gumi nemasere raiva 850 muzana.

Sberbank

Sberbank inopa akawanda BPIFs https://www.sberbank.ru/ru/person/investments/pifs nechero nhanho yengozi. Ideal kune novice investimendi. Iyo yekupinda chikumbaridzo ndeye 1 mugove, uye mutengo unotanga kubva kune mashoma rubles. Unogona kutenga kana kutengesa zvinhu ipapo ipapo panguva dzebhizinesi, uye makomisheni nemitengo hazvipfuuri 1 muzana.

VTB

Bhengi inotarisira kupfuura 20 BPIFs https://broker.vtb.ru/services/pif/, inovandudza mutengo weasset zuva rega rega pasina mari, uye inodzivirirawo kuchengetedza kubva ku inflation. Iyo shoma yekupinda chikumbaridzo ndeye 1000 rubles. Mari ine njodzi-yemwero yakadzosa zvinopfuura 12 muzana mugore rapfuura. BPIFs paMoscow Exchange iri pamufananidzo pazasi, uye runyorwa ruzere rwe2022 rwunowanikwa pa https://www.moex.com/msn/etf: MOEX

Chete masheya, mabhondi, mari, zvivakwa uye zvimwe zvinhu zvinogona kuverengerwa mukuchinjana-kutengesa mutual fund. Homwe yekunze haigone kusanganisira BPIF, kana kuve homwe yakanyoreswa kunze kweRussian Federation.

Mibvunzo nemhinduro

Chii chinoitika kana vakavamba homwe yacho vakabhuroka? Homwe yekudyara haisi iyo yekambani manejimendi. Kana kambani ikabhuroka, hazvizogone kudzoreredza mari kubva kuBPIF, mari dzese dzichadzoserwa kuvaridzi, homwe yacho icharega kuvapo, uye vanovamba vanorasikirwa nerezinesi.
Ndinofanira kutengesa zvikamu here kana mutengo wehomwe wadonha? Uyu mubvunzo unotarisana nemunhu wese mutsva anotanga kuisa mari mune mutual funds. Ichokwadi ndechokuti pfungwa yemari yakawanda ndeyekudzoka kwenguva refu, saka kana njodzi dziri duku, zvino izvi zvinongogadzirisa kwenguva pfupi. Chero zvazvingava, kana kutengesa kana kusaita sarudzo yega yega yega investor, hazvikuvadzi kunzwisisa kuti chii chaizvo chiri kudonha mumutengo, kuita analytics, uye chete mushure mekuita izvi manipulations kuita sarudzo yekupedzisira.
Zvinoita here kuvaka portfolio ndiri ndega kuti ndisabhadhara imwe mari kune homwe? Kana paine nguva nemukana, saka hapana anokurambidza kuti ugadzire portfolio iwe pachako. Nekudaro, izvi hazviwanzo kuita pundutso, sezvo makambani ekutungamira ane nyanzvi dzinoshanda dzinoshanda pane portfolio nguva dzese.
Ko BPIF inogona kuvimbisa purofiti? Chekutanga, hazvigoneke, nekuti hapana anoziva zvichaitika kumidziyo mangwana. Uye chechipiri, zvinorambidzwa nemutemo.