Uyivula njani i-IIS Tinkoff, iimeko, iintlawulo, indlela yokufumana ukutsalwa

Utyalo-mali usebenzisa i-akhawunti yotyalo-mali yomntu yenye yeendlela zokutyala imali ngempumelelo. Iibhanki ezininzi zinika ithuba lokuvula i-IIS. Omnye wabo nguTinkoff-Bank. Kweli nqaku, siza kuthetha malunga nokuba yintoni i-Tinkoff IIS, indlela yokukhupha kunye nokusebenzisa i-akhawunti yotyalo-mali yomntu kwi-Tinkoff, kunye nemigaqo yokusetyenziswa, inzuzo kunye nokungonakali.

Yintoni na IIS Tinkoff

I-akhawunti yotyalo-mali yomntu luhlobo olulodwa lwe-akhawunti ye-brokerage. Ngale akhawunti, ungathenga izitokhwe, iibhondi, iimali. Umahluko oyintloko kukukwazi ukufumana ukutsalwa kwerhafu, okungenakwenzeka nge-akhawunti ye-brokerage eqhelekileyo. Kwakhona, urhulumente unokumisela izithintelo kunye neenzuzo ngokunxulumene ne-IIS. Ngokuxhomekeke kuhlobo lolawulo, iintlobo ezimbini ziyahlula: zilawulwa ngokuzimeleyo kunye nenkampani yokulawula. I-Tinkoff-Bank inika ithuba lokukhupha i-IIS ngeemeko ezifanelekileyo. Ividiyo yemfundo-yintoni i-Tinkoff IIS, indlela yokutyala imali kwaye ufumane kuyo ngo-2022: https://youtu.be/Yup_Fw8CPks

Indlela yokufaka isicelo se-Tinkoff IIS – yeyiphi idatha efunekayo ukuvula i-akhawunti yotyalo-mali lomntu kunye no-Tinkoff

Unokuvula i-IIS kwikhonkco https://www.tinkoff.ru/invest/iis/ Ukuze ubhalise, kufuneka ugcwalise ifomu kwiwebhusayithi yebhanki. Kwinqanaba lokuqala, kuya kufuneka ubonise igama lakho elipheleleyo kunye nenombolo yefowuni yoqhagamshelwano.
I-SMS enekhowudi iya kuthunyelwa kwinombolo echaziweyo. Kufuneka ifakwe ngolu hlobo lulandelayo.
Ngenisa igama lokugqitha leakhawunti yakho yeTinkoff-Bank.
Kwinqanaba lesibini, kufuneka ufunde imigaqo yenkonzo kwaye usayine ifomu yesicelo ngeSMS.
Kwinqanaba lesithathu, kuya kufuneka ukhuphele isicelo seTinkoff Investments. I-akhawunti iya kuvulwa ngosuku olunye lokurhweba.
Iphepha lokhuphelo losetyenziso lijongeka ngolu hlobo.
Kwisicelo, kufuneka ufake inombolo yefowuni apho ikhadi le-Tinkoff-Bank liqhagamshelwe.
I-SMS enekhowudi yokuqinisekisa iya kuthunyelwa kwifowuni yakho. Kufuneka uyifake kwifom.
Ngenisa igama lokugqitha kwiakhawunti yakho yobuqu iTinkoff-Bank
Seta ikhowudi yofikelelo kwisicelo soTyalo-mali lweTinkoff.
Emva kokufaka ikhowudi, imenyu ephambili yesicelo iya kuvula. Swayiphela ngasekhohlo.
Kwifestile evulayo, cofa kwiqhosha elithi “Vula IIS”.
Inkonzo iya kusilumkisa ukuba unokuba neakhawunti enye kuphela. Ke ukuba uneakhawunti kwenye ibhanki, yivale. Ukuba awunazo iiakhawunti ezifanayo kwezinye iibhanki, cofa ku “Andinayo enye IIS”.
Uyivula njani i-akhawunti yotyalo-mali yomntu kunye ne-Tinkoffbank – imiyalelo yenyathelo nenyathelo lokuvula i-IIA kwi-Tinkoff Investments: https://youtu.be/WNotdO5aI2Y

Ngubani onokuvula i-IIS?

Kuphela umntu ohlala kwirhafu kunye nommi waseRussian Federation kwaye ufikelele kwiminyaka eyi-18 unelungelo lokuvula i-akhawunti. Ukuze ube ngumhlali werhafu weRussian Federation, kufuneka uhlale kwiRussian Federation ubuncinane iintsuku eziyi-183 ngonyaka. I-IIS inokuvulwa ngusomashishini ngamnye, oziqeshileyo, umsebenzi karhulumente, odla umhlala-phantsi, indoda yasemkhosini.

Abasebenzi baseburhulumenteni kunye nabasebenzi bezempi abanalo ilungelo lokuba nempahla yangaphandle kunye nempahla, ukugcinwa kwayo okuza kubangela ukungqubuzana komdla.

Lawula useto kunye nokukhetha

Ungalulawula utyalo-mali ngesicelo esiphathwayo nange-terminal ye-Tinkoff Investments. Ukufumana iinkcukacha ezingaphezulu, landela ikhonkco https://help.tinkoff.ru/terminal/ Isicelo esiphathwayo sibandakanya amacandelo aphambili ama-5: “Ipotfoliyo”, “Yintoni onokuyithenga”, “Isondlo”, “Ncokola” kunye “Nokuninzi”. Icandelo lePotfoliyo libandakanya ulwazi malunga ne-akhawunti kunye nee-asethi zemali ezifunyenweyo. Kweli candelo, unokuzalisa ibhalansi kwaye ufunde malunga neentengiselwano ezisebenzayo nezigqityiweyo.
Kwikona ephezulu ngasekunene kukho iqhosha elithi “Iziganeko”, ngokucinezela apho unokubona zonke iziganeko ezenzeke ngale akhawunti.
Ukuba ucofa kwisiganeko esithile, unokubona zonke iinkcukacha kuyo.
Kwicandelo elithi “Yintoni onokuyithenga”, unokukhetha i-asethi onokuthi utyale kuyo. Isenokuba yimali, izitokhwe, iibhondi, ikamva, iimali.
“I-Tape” – iindaba, uhlalutyo kunye nolunye ulwazi olubalulekileyo oluchaphazela izicatshulwa. Apha unokutyelela inethiwekhi yoluntu kubatyalo-mali “Pulse”, mamela iipodcasts kwisihloko sotyalo-mali, funda iimpapasho.
“Ncokola” – apha unokutshintshiselana imiyalezo kunye namaqabane akho, kwaye ufune uncedo malunga nenkxaso yobugcisa bewotshi.
Kwicandelo elithi “Ngakumbi”, iithebhu “Izicwangciso”, “Iprofayili” kunye ne “Info” zibekwe. Kwithebhu ethi “Iprofayili”, umsebenzisi unokukhetha isicwangciso sentlawulo kwaye athathe uvavanyo ukuze anqume indlela yokurhweba kunye neprofayili yotyalo-mali. Kwakwithebhu efanayo, ungazalisa ifom ye-W-8BEN. Oku kuyafaneleka ukwenza ukuba umtyalo-mali uthenga izabelo zangaphandle, umzekelo, kwi-NASDAQ exchange exchange. Ifomu egcwalisiweyo iya kubonisa ukuba umtyali-mali akangomhlali werhafu wase-US. Ukusuka kule thebhu, ungaya kwiprofayile yakho kwiPulse – iTinkoff-Investments social network.

Ukuba uthengisa izinto zangaphandle ngaphandle kokugcwalisa ifomu, irhafu iya kuba yi-30%. Yakuba igqityiwe, irhafu ingancitshiswa ibe yi-13%.

Ithebhu ethi “Useto” ikuvumela ukuba uqwalasele ukutya kweendaba kunye neziganeko, vumela izaziso zokutyhala, iinketho zokungena, ukuqinisekiswa kweSMS kwemisebenzi yokurhweba.
Kwi Info thebhu, unokufumana iimpendulo kwimibuzo edla ngokubuzwa, ucombulule iingxaki ezingasonjululwanga kwiNcoko yesithuba, kwaye ujonge iinkcukacha zesicelo. Ungavula i-akhawunti yotyalo-mali ye-Tinkoff kwi-intanethi apha https://www.tinkoff.ru/invest/iis/:

Ufumana njani ukutsalwa kwe-IIS kwiintlobo zeBhanki yaseTinkoff A kunye no-B

I-IIS evela kwiBhanki yaseTinkoff ibonelela ngokutsalwa kwerhafu kwiintlobo A kunye no-B. Kwimeko yokuqala, i-13% yemali egciniweyo inokubuyiselwa ngonyaka. Inani lokuzaliswa kwakhona akufanele lidlule i-ruble ye-400,000 ngonyaka wekhalenda. Ngokutsala uhlobo A, unokuya kuthi ga kwi-52,000 ruble ngonyaka. Ukufumana umvuzo, umnini kufuneka abe nomvuzo oxhomekeke kwirhafu yengeniso yakhe. Ukuba ingeniso esemthethweni i-ruble ye-30,000, isixa esikhulu sokunciphisa siya kuba ngama-ruble angama-46,800.
Umtyalo-mali unokufumana ukutsalwa kolu hlobo ngokuzalisa isicelo kwiwebhusayithi yeNkonzo yeRhafu ye-Federal okanye ngokufaka isicelo kumntu kwiofisi yesithili yenkonzo. La maxwebhu alandelayo ayafuneka ukuze kuxhuzulwe uhlobo A:

1. Isibhengezo se-3-NDFL, esizaliswe kwi-intanethi kwiwebhusayithi yeNkonzo yeRhafu ye-Federal.
2. Isatifikethi se-2-NDFL sonyaka wokufaka imali kwi-akhawunti yotyalo-mali. Iya kuqinisekisa inyaniso yokufumana ingeniso kunye nokuhlawula irhafu kwizinga le-13% kwixesha lerhafu. Ikhutshwa kwisebe locwangciso-mali kwindawo nganye yomsebenzi.

Unokulinda isatifikethi se-2-NDFL kwiwebhusayithi yenkonzo yerhafu, kwaye emva koko uyikhuphele xa ugcwalisa isibhengezo se-3-NDFL. Njengomthetho, zibekwe emva kwe-1 ka-Epreli kunyaka ngamnye.

3. Amaxwebhu asuka kumthengisi. I-Tinkoff-Bank iya kubalungiselela emva kokuphela konyaka wekhalenda ye-akhawunti. Kuya kufuneka ukuba zikhutshelwe kwisicelo seTinkoff Investments okanye kwiakhawunti yakho yobuqu kwiwebhusayithi ye-tinkoff.ru, kwaye ifakwe kwifomu kwiwebhusayithi yeFTS.

I-Tinkoff-Bank iya kunika ingxelo malunga neentengiselwano kunye nemisebenzi ukuba ifunwa yiofisi yerhafu. Ukwenza oku, kufuneka ubhalele kwingxoxo yenkonzo yenkxaso kwisicelo okanye kwiwebhusayithi ye-tinkoff.ru. Olu xwebhu lulungiswe kwiintsuku ze-10 zokusebenza kwaye luthunyelwe ngeposi kwidilesi efanelekileyo.

Uhlobo B oluxhuzulwayo lunokufunyanwa kuphela xa i-akhawunti ivaliwe. Ngolu xhuzulo, unokwenza inzuzo kutyalo-mali ngaphandle kokuhlawula irhafu. Olu hlobo lokutsalwa alukwazi ukufunyanwa ngaphambi kweminyaka emi-3 emva kokuvulwa kweakhawunti.
Masithi ekuqaleni kuka-2020 umtyali-mali uvule i-akhawunti kwaye wafaka i-ruble ye-300,000 kuyo. Olu tyalo-mali lwaba nempumelelo, kwaye izabelo awayetyale kuzo zazuza ixabiso. Ekuqaleni kwe-2023, umtyalo-mali wagqiba ekubeni athengise izabelo kwaye avale i-akhawunti. I-akhawunti emva kokuthengiswa kwezabelo zafikelela kwi-900,000 ruble. Ingeniso emva kokutsalwa kwee-commissions yaba ngama-ruble angama-600,000, irhafu kuyo – i-78,000 ruble.Isicelo sokuxhuzulwa kohlobo B singeniswa nge-broker ilungelo phambi kokuba i-akhawunti ivalwe okanye kwi-ofisi yerhafu. Ingangeniswa kumntu okanye kwi-intanethi. Umthengisi akayi kutsala rhafu kwingeniso yotyalo-mali xa efaka isicelo. Kodwa ukuba umtyalo-mali unquma ukufaka isicelo kwi-Federal Tax Service, i-broker iya kubhala intlawulo yerhafu, ngoko iNkonzo yeRhafu ye-Federal, emva kokuqinisekiswa, iya kuhlawula ukutsalwa kwikhadi lomtyalo-mali.

Utyalo-mali nge-IIS Tinkoff – iimeko

I-Tinkoff-Bank inikezela ngezi meko zilandelayo zotyalo-mali:

1. Ulawulo lotyalo-mali luluncedo kakhulu – usebenzisa isicelo kwi-smartphone. Inonxibelelwano olucacileyo, olulungele bobabini abaqalayo kunye nabatyali-mali abanamava.
2. Isicelo se-intanethi sinokuzaliswa kwimizuzu embalwa. Ummeli webhanki uya kufika kunye namaxwebhu ayimfuneko ngexesha elifanelekileyo kunye nendawo. Umnini wekhadi le-Tinkoff-Bank unokusayina amaxwebhu ngekhowudi yeSMS, emva koko i-akhawunti iya kuvulwa ngokukhawuleza. IIS iya kuvulwa ngosuku olulandelayo lokusebenza ukuba isicelo sishiywe emva kwe-19: 00 ixesha laseMoscow okanye kwi-stock exchange ngosuku.
3. Ungatyala imali nakwi-ruble ezili-10 kwiakhawunti yakho. Eli lixabiso lesabelo esinye sengxowa-mali ye-Eternal Portfolio evela kwinkampani yolawulo i-Tinkoff Capital. Ixabiso leebhondi ezininzi yi-ruble ye-1000.
4. Icandelo elithi “Yintoni onokuyithenga” iqulethe ukhetho lwempahla kunye nolwazi malunga neenkampani ezikhangayo kakhulu. Umtyalo-mali akayi kulahlekelwa ngokukhetha izabelo.
5. I-Tinkoff Investments inikezela uluhlu olubanzi lwesitokhwe kunye neebhondi ezivela kwiinkampani zaseRashiya kunye nezangaphandle. Abasebenzisi benkonzo banokutyala imali kwi-8 yeemali zehlabathi ezinkulu.
6. Ngalo naluphi na usuku lweveki, unokufumana inkxaso kwiakhawunti yakho yobuqu okanye kwingxoxo yesicelo.

Iikomishini kunye namaxabiso kwi-IIS Tinkoff Investments

Kukho imirhumo emibini ye-IIS Tinkoff. Ukuba umsebenzisi akafane arhwebe kwimarike yokhuseleko, umrhumo woMtyali-mali ufanelekile kuye. Ibiza kuphela ikhomishini xa iqukumbela ukuthengiselana, kwaye ixabisa i-0.3%. Kwabo basebenza ngokusemthethweni kutyalo-mali, intlawulo yoRhwebi ifanelekile. Ikhonkco kwiirhafu: https://www.tinkoff.ru/invest/tariffs/ Ikhomishini yentengiselwano yi-0, 04 Ipesenti, kodwa intlawulo yenyanga ye-ruble ye-290 ihlawuliswa. Intlawulo yenyanga ayitsalwanga kwiinyanga xa umthengisi engasebenzisi i-akhawunti.

Uthini umahluko phakathi kweakhawunti yomrhwebi kunye ne-IIS Tinkoff?

Ummi unokuvula iakhawunti enye kuphela, ngelixa kunokubakho ii-brokerage ezininzi. Ngoncedo lwe-IIS, unokufumana ukutsalwa kwerhafu kwimirhumo nakwingeniso. IIS ikuvumela ukuba ufumane umvuzo oqinisekisiweyo ngokutsalwa kwerhafu. Inxalenye yerhafu yengeniso yomntu ehlawulwayo ibuyiswa ngendlela yemali ukuya kuma-ruble angama-52,000. Kwakhona kunokwenzeka ukuba ungabandakanyi ukuhlawulwa kwerhafu ye-13% kwingeniso evela kwiintengiselwano. Irhafu yentengiselwano ayibalwa minyaka le, kodwa kuphela xa i-IIS ivaliwe.

Ndingayifumana phi iakhawunti yotyalo-mali yaseTinkoff?

Unokufumana lonke ulwazi oluyimfuneko, kunye nokuvula iTinkoff IIS, kwikhonkco https://www.tinkoff.ru/invest/iis/

Ziziphi izinto ezingeloncedo kwi-akhawunti yotyalo-mali yomntu ngamnye

Ubuncinci bexesha lobukho be-IIS yiminyaka emi-3, ngelixa akuvumelekanga ukurhoxisa imali ngaphambi kokuphela kweli xesha. Ngaphandle koko, i-akhawunti iya kuvalwa ngokuzenzekelayo kwaye umsebenzisi uya kuphulukana nelungelo lokutsalwa kwerhafu. Nangona kunokwenzeka ukuthenga imali yangaphandle ngoncedo lwe-IIS, i-akhawunti inokuzaliswa kuphela kwi-ruble yaseRashiya. Ubuninzi bexabiso lokuzaliswa kwakhona yi-ruble eyi-1,000,000 ngonyaka. Lo mda uhlaziywa nge-1 kaJanuwari kunyaka ngamnye.

Kutheni i-IIS ifuneka?

I-akhawunti yotyalo-mali yomntu yi-akhawunti yokurhweba ngokutshintshiselana ngenkqubo yerhafu ekhethiweyo. Njenge-akhawunti ye-brokerage, ngoncedo lwe-IIS ungathenga kwaye uthengise iimali, izitokhwe kunye neebhondi.

Uphononongo malunga nokutyalomali kwi-IIS Tinkoff

Ndandithandabuza malunga ne-stock trading apps. Kodwa xa ndizama iTinkoff Investments, ndonwabile kukusebenza kunye nokulula. Kwisicelo, unokubona isishwankathelo kunye nezalathi ze-asethi entsha. Isicelo sizinzile, sitshintshela ngokukhawuleza kwiiseva zamahhala. Imali ifakwa kwimizuzu yohambo ukuya kwi-ATM yaseTinkoff. Ndicebisa le app kuye wonke umntu.

Le yi-terminal ephezulu kunye nesicelo. Nangona impendulo yengxoxo ayikhawulezi kangako, kodwa isantya kutyalo-mali sibalulekile. Kumsebenzi waseburhulumenteni, isiqinisekiso sesibhengezo sithatha ixesha elide kakhulu.

Kwiwebhusayithi ye-banki.ru kukho uphononongo oluvela kumtyalo-mali oxelela ibali lokuhoxiswa kwemali kwi-akhawunti. Wafumana imali engcono, ngoko wagqiba ekubeni avale iakhawunti.
Nge-31 ka-Okthobha ka-2019, wathengisa zonke ii-asethi kwiakhawunti kwaye wayirhoxisa imali. Ngomhla we-5 kaNovemba, wafaka isicelo sokuvala i-akhawunti ngengxoxo yenkxaso, apho umphathi waphendula ukuba i-akhawunti iya kuvalwa kwiintsuku ze-30.
Ngomhla we-7 kaNovemba, umtyalo-mali wavula enye i-IIA, ngelixa eqinisekisa ukuba sele ene-akhawunti efanayo, ekufuneka ivalwe kwiintsuku ezingama-30. NgoDisemba 6, i-Tinkoff-Bank yathumela umyalezo kumtyalo-mali ochaza ukuba akunakwenzeka ukuvala i-akhawunti.
Emva kokuqaphela lo myalezo ngoDisemba 16, umsebenzisi uzame ukufumanisa ukuba kutheni kwakungenakwenzeka ukuvala i-akhawunti. Akazange afumane mpendulo icacileyo.
Ngenxa yokungakwazi ukwenza umsebenzi, ukusukela nge-16 kaDisemba 2019, umtyali-mali usemngciphekweni wokungafumani zibonelelo zerhafu ngo-2019. Sele eneeakhawunti ezimbini: eTinkoff-Bank kunye nomthengisi omtsha.
Umsebenzisi we-akhawunti ulumkisa abanye abatyali-mali abanokuthi bangasebenzisi le nkonzo.IIS Tinkoff Investments – iziphumo zotyalo-mali kwizabelo kwiinyanga ezili-10, amava asebenzayo – uphononongo lwevidiyo: https://youtu.be/d2jUT4Laga4 Kwakhona, irobhothi yorhwebo lwe-algorithmic iyafumaneka ngokurhweba kwi-Tinkoff Investments: https://articles.opexflow .com/trading- bots/tinkoff-investicii.htm I-Akhawunti yoTyalo-mali yomntu ngamnye ibonelela ngokutsalwa kwerhafu kodwa inezithintelo ezibalulekileyo zokusetyenziswa. I-Tinkoff-Bank ibonelela ngeemeko ezifanelekileyo zotyalo-mali kwi-IIS. Ngelixa uninzi lwabatyali-mali lujonga uTyalo-mali lwe-Tinkoff kakuhle, kukwakho ukusilela kwenkonzo.