I-Broker Tinkoff.Utyalo-mali: iikhomishini kunye nezicwangciso zentlawulo 2024

I-Broker Tinkoff.Utyalo-mali: iikhomishini zangoku, ezicacileyo nezifihlakeleyo, izicwangciso zerhafu [unyaka_wangoku]. 

Ingqalelo! Ngezantsi kukho ukhetho lwezixhobo eziluncedo zokurhweba kwiqonga loTyalo-mali lweTinkoff, kunye nenyanga yokurhweba ngaphandle kwekhomishini njengesipho.

Ukusukela ngo-2018, uTinkoff uphehlelele indlela entsha kubathengi abatsha nabaqhelekileyo. Ngomnyaka wokuqala wokusebenza, inkonzo yotyalo-mali ikwazile ukudlula uninzi lwabathengi bempahla, emva koko yathatha indawo ye-2 enokuzithemba kwinani elipheleleyo labatyalo-mali ababhalisiweyo abathengisa rhoqo kwi-Moscow Stock Exchange .

Inkampani yaseTinkoff ibhaliswe ngokusemthethweni eMoscow kwaye ingumnini welayisensi yokuthengisa. Ubonelelo lweenkonzo kunye nokufikelela kwizixhobo zemali lwenziwa ngaphakathi kwendawo yenkonzo yoTyalo-mali lweTinkoff.

Iinkonzo zokuthengisa zeTinkoff broker

Ngokweemeko zangoku, uluhlu oluthile lweenkonzo luyafumaneka kubantu ababhalisiweyo kwi-Tinkoff Investments. Ezona zibalulekileyo zezi:

• ukurhweba kwiibhondi ezininzi zikarhulumente kunye neenkampani, kubandakanywa i-Eurobonds, izabelo zenkampani kunye nee-ETF, ngeemali, ngokwezinga lotshintshiselwano olusekiweyo ngexesha lentengiselwano;
• ukubonelela ngofikelelo olungenazithintelo kwiintengiselwano ezininzi ezinxulumene nezibambiso ezithengiswayo – ngokukodwa kubatyali-zimali abafanelekileyo;
• isicelo esifanelekileyo seselula esinezixhobo ezininzi zomsebenzi osebenzayo, umzekelo: i-feed forecast, i-real-time control portfolio, ikhalenda yentlawulo ye-dividend, kunye nezalathi ezingundoqo ngokuthe ngqo zabakhuphi;
• umphathi ozinikeleyo, uhlalutyo lobuchwephesha kunye nephakheji eyandisiweyo yezixhobo ezisebenzayo ezivela kutshintshiselwano lwemali, ngokuxhomekeke ekusebenzeni kwephakheji yentlawulo yePremium;
• ukufikelela simahla kumcebisi werobhothi, obonelela ngoncedo olubalulekileyo ekwenzeni ipotifoliyo yotyalo-mali.

Uyivula njani i-IIS TinkoffUkongeza, abathengi ababhalisiweyo be-Tinkoff broker banokusebenza kwimarike yeinshurensi ye-EverQuote. Ukuthenga izabelo ezinomdla, ukusebenza kwesicelo seselula kunikezelwe. Ukuze ubhalise i-akhawunti ye-brokerage, inkonzo ayifuni amaxabiso amancinci aphantsi – ukurhweba kunokuqala ngayo nayiphi na imali. Kuyenzeka ukusebenzisa ikhadi. Xa kuthengwa izabelo kwii-stock exchanges zangaphandle, ukuguqulwa kwi-ruble kuqhutyelwa ngokuzenzekelayo. Ukuqhagamshela kwizicwangciso zerhafu “zoMrhwebi” kunye “noMtyali-mali” kubandakanya ukurhweba ngaphandle kokusetyenziswa kwabarhwebi abakhethekileyo abalamli, kubandakanywa i-inshurensi kunye nabathengi bamatyala. Urhwebo lwenziwa ngewebhusayithi esemthethweni, udidi olusebenzayo lwabathengi banokufikelela kwi-terminal yewebhu ehambelanayo. Uncedo: Imithetho yangoku ayiwavumeli amaqumrhu asemthethweni ukuba abhalise kule nkonzo.

Kubalulekile: izixhobo eziluncedo zokurhweba kwiqonga leTinkoff.Investments

OpexBot : iqonga lasimahla lokurhweba nge-algorithmic kwi-Tinkoff Investments. Intshayelelo yokusebenza kweqonga lokurhweba nge-algorithmic ye-OpexBot. Ukusebenzisa le khonkco unokuvula i-akhawunti yokuthengisa ikhomishini ngaphandle kwenyanga kwi-Tinkoff Investments platform https://tinkoff.ru/sl/1Ld1HbbpHxY . Indlela yokufumana ithokheni yotyalo-mali lweTinkoff . Indlela yokujonga iinkcukacha zeendleko kunye neekhomishini kwi-akhawunti ye-brokerage ngokuzenzekelayo: iqonga le-Opexbot.info

Iintlawulo zangoku

Abathengi ababhalise kwinkonzo ye-Tinkoff.Intyalo-mali babonelelwa ngezicwangciso ezininzi ezifumanekayo zeentlawulo:

• “Premium”;
• “Umrhwebi”;
• “Umtyalimali”.

Isicwangciso sentlawulo ngasinye siyahluka ngokwemiqathango kunye neendleko zenkonzo. Ukunciphisa umngcipheko weempazamo kunye nokungaqondi kakuhle, kucetyiswa ukuba ufunde nganye nganye ngokwahlukileyo.

Ixabiso “UMtyali mali”

Isicwangciso soluhlu lweerhafu simisela ikhomishini ye-0.3% yexabiso lentengiselwano egqityiweyo. Inkonzo yasimahla iyanikezelwa. Ukongezelela, akukho ntlawulo ehlawulwayo yokubhalisa, ukuvala i-akhawunti ye-brokerage, kubandakanywa neenkonzo zokugcinwa, iidiphozithi kunye nokuhoxiswa.

Uncedo: abathengi banikezelwa ukufikelela kumcebisi we-robo onika uncedo ngokusebenza kwiimarike zokhuseleko, okubalulekileyo kubaqalayo. Ungaqhagamshelana neengcali zenkxaso ngefowuni kunye nengxoxo ye-intanethi.

Kuyafaneleka ukuba uqaphele ukuba ibango likaTinkoff kwiphepha https://www.tinkoff.ru/invest/tariffs/ ukuba akukho zikhomishini ezifihliweyo, kodwa oku akunjalo. Ukuqinisekisa oku ngokwakho, sebenzisa inkonzo  https://opexbot.info/ , eqwalasela zonke iikhomishini ngaphandle komsebenzi wezandla.Ukuba ufunda ngokucophelela i-screenshot ngasentla, kuyacaca ukuba eyokuqala ayibonisi ikhomishini kunye nemali yokuthengiselana, okwesibini ayibonakalisi umrhumo wenkonzo. Ngokukhawuleza emva kokuthenga isitokhwe, kukho uthabatha. Ngoko ke, kuyacetyiswa ukuba ubonise kwi-terminal inzuzo yokunciphisa iikomishini ezimbini. Kwimeko yokuqala, amaqashiso angama-150 athengwa, isitokhwe sikhuphuka ngama-kopecks angama-50, elilingana ne-0,25%, ukuthengiselana + 750 ruble. Xa besenza isigqibo sokuthengisa, abaninzi bakholelwa ukuba le nto kanye ingeniso eya kubakho, kodwa enye ibhekisela kwi-0. Xa uvala isikhundla, imali yokulahlekelwa yi-ruble eyi-1000. – inzuzo, thabatha umrhumo wenkonzo yokuthenga kunye nokuthabatha ikhomishini yokuthengisa. Ukuba uvavanya icala lasekunene lomfanekiso wekhusi, ulwazi lunomtsalane ngakumbi. Ikhomishini ibekwe kwii-ruble ezingama-400, ngoko xa kuthengwa amaqashiso ama-3 – i-ruble ye-1200. Kwimeko yokuvalwa, kufuneka uhlawule imali efanayo, isiphumo -2400 rub. Ukufikelela ubuncinane kwi-0, ixabiso leqashiso elinye kufuneka linyuke ngama-ruble angama-800. Ngoko ke, ngokunyuka kwe-1%, imbuyekezo ayikho +1%, kodwa i-0.

Ixabiso “UMrhwebi”

Isicwangciso soluhlu lwamaxabiso siyahluka kweyangaphambili kwinani leeparamitha. Phakathi kwazo kukho:

• ikhomishini yesiseko ibekwe kwi-0.05%;
• ngokuxhomekeke ekufezekiseni inzuzo yemihla ngemihla ye-ruble ye-200,000 ngaphambi kokuba utshintshiselwano luvale – 0.025%;
• iindleko zenkonzo yenyanga zingama-ruble angama-290 ngenyanga.

Kufanelekile ukunikela ingqalelo kwinto yokuba umrhumo wenyanga awutsalwanga ukuba:

• umxhasi ungene kwiitransekshini zokuthenga/ukuthengiswa kwezibambiso;
• Ikhadi le-premium likaTinkoff liyafumaneka;
• imbuyekezo iyonke yexesha elidlulileyo idlule i-ruble yezigidi ezi-5;
• umthamo ochaziweyo wotyalo-mali lokwenene udlula i-ruble yezigidi ezi-2.

Ukongezelela, iikhomishini kunye neentlawulo ezongezelelweyo zokubhalisa kunye nokuvala i-akhawunti ye-brokerage, kubandakanywa neenkonzo ze-depository, kunye nemisebenzi enxulumene nokuzaliswa kunye nokuhoxiswa kwemali ayibandakanywanga. Izibonelelo zibandakanya ukubonelela ngokufikelela kumncedisi werobhothi obonelela ngeengcebiso kwiimarike zokhuseleko. Unxibelelwano lweeyure ze-24 kunye nabameli benkonzo yenkxaso lunikezelwa nge-hotline okanye ingxoxo ye-intanethi.

Isicwangciso seRhafu “Premium”

Ikhomishini yesiseko yi-0.025% kuphela. Iimpawu eziphambili ziquka:

• ukugqiba iintengiselwano kunye nezibambiso ezithengiswayo – ikhomishini iyahluka ukusuka kwi-0.025% ukuya kwi-0.4%;
• iindleko zokugcinwa kwenyanga zingama-ruble angama-3,000.

Ngokwemiqathango yangoku yesicwangciso sentlawulo, umrhumo obonisiweyo wenyanga awunakusebenza kwiimeko ezizodwa. Ezi ziquka:

• umthamo opheleleyo wepotfoliyo yotyalo-mali uhluka ukusuka kwi-1 ukuya kwi-3 yezigidi zee-ruble – umrhumo wenyanga ngama-ruble angama-990;
• umthamo wangempela wepotfoliyo yotyalo-mali idlula i-ruble yezigidi ezi-3 – inkonzo yamahhala;
• ukubhaliswa, ukuvalwa kwe-akhawunti ye-brokerage yobuqu, kubandakanywa neenkonzo zediphozithi, iintengiselwano zemali zokuzaliswa kunye nokurhoxiswa – ngaphandle kwentlawulo.

Eyona nzuzo iphambili yesicwangciso sentlawulo kubonelelo loncedo lomntu oluvela kubahlalutyi abakhokelayo bomthengisi ekuthethwa ngaye, kubandakanywa nezindululo eziluncedo zokwakha ipotifoliyo esebenzayo. Inkxaso ebanzi inikezelwa ngumcebisi womntu. Isalathiso: Izicwangciso zerhafu “zoMtyali-mali” kunye “noMrhwebi” zibonelela ngokufikelela kwikhathalogu esisiseko yezibambiso, ngelixa abanini be-“Premium” nabo banelungelo lokurhweba ngezabelo zotshintshiselwano lwangaphandle, okubangelwa kukufumana okuhambelanayo ngaphezulu- izixhobo zokubala. Uluhlu olufikelelekayo lwezabelo luhlala lufumaneka kwi-portal esemthethweni ye-Tinkoff broker.

Izinto eziluncedo kunye nezingeloncedo zeTinkoff.Investments

Inkonzo ekhethekileyo “iTinkoff.Investments” ineenzuzo kunye nokungonakali. Izibonelelo ziquka:

• ilungelo lokukhetha isicwangciso sentlawulo yangoku, kubandakanywa ukubhaliswa ngokukhawuleza kwe-akhawunti ye-brokerage – abathengi bebhanki abakhoyo banokuvula ukude phakathi kwe-1 ngomzuzu, abathengi abatsha banokusayina isivumelwano ngosuku olulandelayo emva kwesicelo;
• I-interface enembile kunye nesicelo esiphathwayo sokurhweba, kukho izinto zokuzonwabisa ezakhelwe ngaphakathi;
• ukukwazi ukurhoxisa kwaye ugcwalise iakhawunti yakho ngaphandle kwekhomishini;
• unyuso oluninzi olubonelela ngeekhomishini ezincitshisiweyo;
• ukufumaneka kwekhosi yotyalo-mali ehlaziyiweyo, emva kokugqitywa apho kukho umvuzo othile;
• kunokwenzeka ukuba uvule ukuya kwii-akhawunti ze-brokerage ze-10 ngaxeshanye;
• ithuba lokuqalisa ukurhweba ukusuka kwi-dollar eyi-1.

Eyona nto ingalunganga kubukho beekomishini ezininzi ezifihliweyo kunye nokungabikho elubala kwi-accounting yabo. Iikhomishini zeTinkoff zeenkonzo zebhanki Iinzuzo ezikhoyo zisivumela ukuba sithethe ngokuzithemba malunga nokucetyiswa kokusebenzisa le nkonzo ukufumana imali. Nangona kunjalo, musa ukulibala malunga nobukho benani elikhulu leekhomishini ezifihliweyo, ezithandwa kakhulu ngokuzenzekelayo kusetyenziswa isixhobo esiphuhliswe ngokukhethekileyo Opexbot.info . Ukufunda ngokucokisekileyo kwemithetho kukuvumela ukuba uphelise zonke iintlobo zeengozi.