Utyalo-mali lwe-VTB: iakhawunti yobuqu, iinkonzo ze-brokerage, iirhafu, i-terminal

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I-VTB Capital Investments – iinkonzo ze-brokerage, isicelo seselula – i-terminal kunye ne-robot uxhumano, iintlawulo ze-2022. I-VTB Capital Investments lukhokelo olucwangcisiweyo phantsi kolawulo lwe-broker, ngenkonzo apho umbutho wezezimali i-VTB PJSC ibonelela ngeenkonzo zotyalo-mali kubaxumi malunga nemiba eyahlukeneyo yemisebenzi yotyalo-mali kwii-stock exchanges ezahlukeneyo.
Utyalo-mali lwe-VTB: iakhawunti yobuqu, iinkonzo ze-brokerage, iirhafu, i-terminal

Iwebhusayithi esemthethweni ye-VTB Investments: ujongano kunye nolwazi olusisiseko

Ekubeni umbutho “iBhanki ye-VTB” yenye yeenkampani ezinkulu zemali kunye nekhredithi kwi-Russian Federation, iziko lenza yonke imizamo yokuqinisekisa ukuba abathengi banelisekile ngeenkonzo ezinikezelwayo. Lonke ulwazi olusisiseko kunye oluyimfuneko kubasebenzisi lubekwe kwiqonga elisemthethweni lombutho https://www.vtbcapital.ru/investments/. Kungekudala yaphinda yazaliswa ngecandelo elitsha – utyalo-mali. Iqulethe ulwazi malunga neemeko eziphambili zokubekwa kwenkunzi ngenjongo yokwenza inzuzo ngabantu ngabanye.
Utyalo-mali lwe-VTB: iakhawunti yobuqu, iinkonzo ze-brokerage, iirhafu, i-terminal

Ujongano lweqonga

  1. Isiza saphuhliswa ngoochwephesha kwaye sinohambo olulula nolusebenzayo ngamacandelo. I-interface ikhanya, kodwa ayibonakali, inembile. Amacandelo amaninzi aphambili kunye neethebhu zinikezelwe kwimisebenzi kunye nokusebenza kwebhanki, apho unokufunda khona imbali yenkampani kunye nokuba yeyiphi into ecacileyo yomsebenzi wayo.
  2. Abathengi abasebenzisana ne-VTB Bank ukwenza imisebenzi yotyalo-mali kufuneka banikele ingqalelo kwicandelo eliqulathe uluhlu lweenkonzo zotyalo-mali ezibonelelwa yibhanki. Icacisa ngokweenkcukacha ukuba zeziphi iinkonzo zemali kunye nentlangano yekhredithi ekulungele ukunikela kumxhasi, ngawaphi amaxwebhu aya kufunwa ukubhaliswa kunye neziphi iinzuzo zabo. Ukongeza, apha umsebenzisi uya kuba nakho ukufumanisa ukuba zeziphi iingxowa-mali ezihlangeneyo , yintoni intsingiselo yazo, kwaye kutheni le yeyona ndlela inenzuzo yotyalo-mali.
  3. Kubatyalomali be-novice, iqonga lihlala libamba iintetho kunye neesemina zoqeqesho, ishedyuli enokuthi ifumaneke kwiqonga elisemthethweni.

Utyalo-mali lwe-VTB: iakhawunti yobuqu, iinkonzo ze-brokerage, iirhafu, i-terminal

Phawula! Umsebenzisi ngamnye unokuqeqeshwa, nokuba akayi kubandakanyeka kwimisebenzi yotyalo-mali.

I-VTB Bank inika abathengi bayo ifomathi efanelekileyo kwimisebenzi yotyalo-mali – isicelo se-intanethi esiphathwayo – ungasikhuphela apha https://www.vtb.ru/personal/investicii/#onboarding. Ngena kwiakhawunti yakho ye-VTB utyalo-mali lwam kwikhonkco https://online.vtb.ru/login:
Utyalo-mali lwe-VTB: iakhawunti yobuqu, iinkonzo ze-brokerage, iirhafu, i-terminal

Umsebenzi ophambili wesicelo esiphathwayo “VTB Utyalo-mali lwam”

Inani elikhulu labaxumi beBhanki ye-VTB balawula utyalo-mali lwabo kwaye, ngokomgaqo, babandakanyeka kwimisebenzi yotyalo-mali ngokusebenzisa indawo yokurhweba ngotshintshiselwano ngeselula. Iyafikeleleka kwaye iyasebenza, njengoko isixhobo sihlala sisondele.
Utyalo-mali lwe-VTB: iakhawunti yobuqu, iinkonzo ze-brokerage, iirhafu, i-terminalNgaphambi kokuqala ukurhweba, umntu oqalayo kufuneka aziqhelanise noluhlu lweempawu zeqonga:

  1. Iphepha eliphambili . Iphepha lokufika liqulethe ixabiso elipheleleyo leseti yezixhobo zemali, uluhlu lwee-akhawunti ezivulekileyo kunye nexabiso langoku lee-asethi eziphambili. Ngaphantsi kwesiboniso kukho icandelo elineendaba zangoku kunye neenkcukacha zohlalutyo malunga nommandla wotyalo-mali.
  2. Izixhobo zokurhweba . Nazi ezinye iingcamango ezinomdla ezinokuthi zisetyenziswe kwinkqubo yokucwangcisa ukuthengwa kwempahla entsha yemali. Ukwenza okuthe kratya, izimvo zihlelwa ngokweendidi, kwaye umsebenzisi unokuzongeza ukuzihlela ngomhla kunye nenqanaba lengeniso enokwenzeka.
  3. I- interlocutor ebonakalayo . Le yinkxaso yobugcisa berobhothi eya kunceda ukufumana iimpendulo kwimibuzo yabathengi.
  4. imarike yezemali . Icandelo eliphambili lesicelo seselula, apho bonke basebenza kunye nenkunzi, utyalo-mali kunye nezinye izixhobo zemali zenzeke. Kuyo ungafumana igama lee-asethi zemali, ixabiso labo langoku ngeli xesha, izinga lotshintshiselwano lwangoku kunye nolunye ulwazi olubalulekileyo lomsebenzi, ezinokuvulwa kwithebhu eyongezelelweyo eyahlukileyo – iitshathi, imbali yezentengiselwano zemali, inani leentengiso, njl., ukuze ungavali idatha engundoqo.
  5. Okunye . Icandelo lokugqibela kodwa elingancinci. Iqulethe lonke ulwazi malunga nomxhasi, oko kukuthi igama elipheleleyo, inombolo yemvume, izaziso kunye nezicwangciso ezisisiseko.

Utyalo-mali lwe-VTB: iakhawunti yobuqu, iinkonzo ze-brokerage, iirhafu, i-terminalAyingawo onke amacandelo asebenzayo apho inkonzo ixhotyiswe ngawo. Uninzi lwazo luya kuvulwa kumsebenzisi osele ekwinkqubo yomsebenzi.

Izibonelelo ze-VTB My Investments mobile app

Inkqubo yeselula ethi “VTB Utyalo-mali lwam” kulula kakhulu ukuyisebenzisa kune-akhawunti yakho kwiwebhusayithi esemthethweni yenkampani. I-smartphone ihlala ikufuphi, ukucofa kube kanye – kwaye ukwiscreen esikhulu seprofayile yakho. Nangona kunjalo, isicelo sinomohluko othile kwisiza esisemthethweni, esingakhathaleli kuphela ujongano kunye noyilo.
Qwalasela amandla enkqubo ephathwayo:

  1. I-app yeselula ivuliwe 24/7. Ukuba isayithi elisemthethweni ngamanye amaxesha lingaya kwiitshekhi zobugcisa kunye nokuphuculwa, ngoko ukufikelela kwi-akhawunti yakho yobuqu kwiprogram yeselula ifumaneka nangaliphi na ixesha. Ekuphela kwento oyifunayo luqhagamshelo lwe-intanethi oluzinzileyo kunye nenguqulelo ehlaziyiweyo ye-app. Phawula! Ukuba inkqubo ifuna uhlaziyo, yifake ngokukhawuleza. Uguqulelo oluphelelwe lixesha lunokuba ngumkhenkce kwaye lungqubeke xa uzama ukwenza isenzo esithile.
  2. I-interface ye-app yeselula ilula kwaye iyaqondakala. Onke amacandelo ayabonakala kwaye aqokelelwa kwindawo efanelekileyo.
  3. Abaphuhlisi baye baphumeza inkqubo yokukhusela kunye nokhuseleko kwinkqubo. Ngoku umsebenzisi unokukhusela iphrofayili yakhe kunye nolwazi ngokubeka umnwe, igama eliyimfihlo okanye i-Face ID, inkqubo eya kuyifuna xa ingena kwiqonga.
  4. Yonke imihla, iindaba zamva nje kwihlabathi lotyalo-mali kunye nohlalutyo lwayo luhlaziywa kwaye luvela kwicandelo elifanelekileyo.
  5. Isicelo esiphathwayo “VTB My Investments” iqulethe icandelo elinomdla – iingcamango zabatyali-mali. Emva kokuzifunda, umsebenzisi unokuqwalasela uluvo lweengcali ezinamava kwaye asebenzise ulwazi olutsha ekusebenzeni.

Inkonzo yeselula ifakwe ngabasebenzisi abasebenzayo ngaphezu kwamaxesha angama-60,000. Inkqubo iluncedo ngokwenene kwaye iyasebenza kwimisebenzi yotyalo-mali, kuba ifumaneka nangaliphi na ixesha losuku kwaye ihlala ikufuphi. Abaphuhlisi, nabo, bayayihlaziya rhoqo, belungisa iimpazamo zeenguqulelo zangaphambili kunye nokuphumeza imisebenzi efunwa ngabasebenzisi. Nangona kunjalo, ukuze uqale ukutyalomali, ukutshala imali okanye ukurhweba kwizixhobo zemali, umsebenzisi kufuneka ahambe ngenkqubo yokubhalisa kwi-akhawunti ye-VTB Investments personal. Utyalo-mali lwe-VTB: Isishwankathelo somthengisi we-VTB, vula iakhawunti okanye hayi: https://youtu.be/klRa8cLXrdo

Iakhawunti yomntu: indlela yokubhalisa kwisistim kunye nokwenza iprofayili

I-akhawunti yotyalo-mali ye-VTB ye-akhawunti ye-akhawunti ye-akhawunti yotshintshiselwano yi-terminal yokutshintshiselana apho abatyali-mali kunye nabathathi-nxaxheba bemalike yemali banokusebenzisana ne-stock exchange. Ukufikelela kwiakhawunti yakho yobuqu kunokufumaneka zombini kwiwebhusayithi esemthethweni ye-VTB Bank, inendawo yoqhagamshelo oluzinzileyo kwinethiwekhi, nakwisicelo esiphathwayo, xa uyifakile kwi-smartphone kwangethuba ngevenkile efanelekileyo yomdlalo-iApp Store ye-iPhone. abasebenzisi okanye uDlalo lukaGoogle kubasebenzisi bezixhobo ezikhokelwa yi-OS Android. Isicelo siyahambelana nazo zombini iinkqubo zokusebenza. Zonke iintengiselwano zemali ezenziwa kwi-akhawunti zenzeka ngexesha langempela. Kodwa ngaphambi kokuqala umsebenzi wotyalo-mali, kuyimfuneko ukuba uhambe ngenkqubo yokubhalisa kwinkqubo. Ungangena kwaye usete iprofayile yomxhasi kwinkqubo yoTyalo-mali ye-VTB ngolu hlobo lulandelayo:

  1. Yiya kwiwebhusayithi esemthethweni yoTyalo-mali lwe-VTB kwaye ufumane icandelo lokubhalisa iakhawunti yakho yobuqu https://online.vtbcapital-am.ru/auth/ okanye, ukuba uthatha isigqibo sokusebenzisa usetyenziso lweselula, lufake kwi-smartphone yakho kwangaphambili kwaye ungene ukubhalisa.Utyalo-mali lwe-VTB: iakhawunti yobuqu, iinkonzo ze-brokerage, iirhafu, i-terminal
  2. Gcwalisa ifom ngolwazi olufunekayo:
    1. ifani, igama kunye ne-patronymic;
    2. inombolo yomrhafi ngamnye;
    3. idatha esisiseko yokundwendwela;
    4. umhla wokuzalwa;
    5. inombolo yeselula kunye nedilesi ye-imeyile;
    6. ibinzana lokugqithisa.
  3. Cofa kwiqhosha elithi “Register”. Ngomzuzwana, iqonga liya kuvula iprofayili yakho entsha, eya kuba lula ukuseta. Kwanele ukuya kwicandelo elithi “Izicwangciso” kwaye uhambe kwiithebhu ezikhoyo, ulungelelanise iiparitha eziyimfuneko.

Utyalo-mali lwe-VTB: iakhawunti yobuqu, iinkonzo ze-brokerage, iirhafu, i-terminal

Iinkqubo zeRhafu kwi-VTB Investments – ixabisa malini inkonzo yorhwebo

Ukuba umxhasi uvule i-akhawunti kunye nomthengisi okanye i-akhawunti yotyalo-mali yomntu ngamnye kunye noTyalo-mali lwe-VTB emva kwe-1 kaJulayi, i-2019, inkqubo iya kumnika ngokuzenzekelayo isicwangciso sentlawulo ye-My Online kuye. Ukuba enye yeeakhawunti ivulwa emva kwe-9 ka-Agasti 2021 nge-VTB My Investments isicelo seselula okanye ngewebhusayithi esemthethweni ye-VTB ye-Intanethi, amaxabiso asasazwa ngolu hlobo lulandelayo:

  1. Ukuba enye yeerhafu ezinelungelo (“Ilungelo”, “Ilungelo ENTSHA” okanye “Ilungelo-Ikhadi eliMulti”) yenziwe yasebenza, inkqubo ye “My Online Privilege” ivulwa ngokuzenzekelayo.
  2. Ukuba enye yeentlawulo ze-Prime (“iNkulumbuso”, “iNkulumbuso ENTSHA”, “i-Prime Plus”) ivuliwe, isicwangciso serhafu se-“My Online Prime” sisebenza ngokuzenzekelayo.

Utyalo-mali lwe-VTB: iakhawunti yobuqu, iinkonzo ze-brokerage, iirhafu, i-terminal

Iimeko ngokubanzi zezicwangciso zentlawulo

Umthengisi wenkampani yezemali ye-VTB (https://broker.vtb.ru/) ineephakheji ezintathu zenkonzo ye-brokerage ezikhoyo, nganye kuzo iqulethe iinkqubo ezimbini – enye yabaqalayo, enye kubatyalo-mali abaqeqeshiweyo. Iimeko zeenkonzo zokurhweba kwi-VTB Bank ziyafana kuzo zonke iinkqubo zerhafu:

IpharamithaImeko
I-ruble ye-1 ngenkontilekaIntlawulo kumncedisi wotshintshiselwano ngeenkonzo ngexesha lokusebenza kwi-derivatives exchange
Ukusuka kwi-0.15% yemali eyinkunzi iyonkeInkqubo isebenza kwiintengiselwano ngaphandle korhwebo lotshintshiselwano
Ukuzaliswa kwakhona kwe-brokerage kunye ne-akhawunti yotyalo-mali yomntu ngamnyeIsimahla ukuba i-akhawunti ye-VTB izaliswa kwakhona hayi kwizixhobo zokuhlawula zeplastiki zeminye imibutho yebhanki
Ukutsalwa kwemaliMahala, akukho mrhumo wekhomishini
Umrhumo weqonga wokuthengiselana ngezibambisoUkusuka kwi-0.01% yemali yentengiselwano iyonke
Ikhomishini yotshintshiselwano yeentengiselwano zemaliUkususela kwi-1 ukuya kwi-ruble ye-50 ngokuthengiselana

https://youtu.be/Cnc7rhojgWw

I-terminal yorhwebo ye-QUIK kwiqonga lotyalo-mali le-VTB

Umthengisi we-VTB uvumela abathengi ukuba benze iintengiselwano kunye neentengiselwano zemali kwi-stock exchange ngokusebenzisa i-terminal yokurhweba – QUIK_VTB. Eli liqonga elinemisebenzi emininzi, elahluke kakhulu kwisicelo esiphathwayo esithi “VTB Utyalo-mali lwam” kwaye ifaneleke ngakumbi kubatyali-mali abanamava abanokufikelela kwiintengiso ezininzi ze-Russian Federation.

Utyalo-mali lwe-VTB: iakhawunti yobuqu, iinkonzo ze-brokerage, iirhafu, i-terminal
QUIK terminal
Awona mandla aphambili etheminali yotshintshiselwano yeQUIK ngala:
  • ukufikelela kurhwebo kwi-stock exchange kunye ne-derivatives market iqhutywa ngemodyuli ye-CAM (imodyuli yokufikelela kwimeko);
  • i-terminal isebenzisana nohlalutyo lobugcisa, idatabase eninzi kwaye inokufikelela kwiinkqubo zeengcali kunye neenkqubo zokubala;
  • Izicelo zabaxhamli zizalisekiswa ngokuhambelana nazo zonke iimeko ngelona xesha lifutshane linokwenzeka.

Ukufikelela kule terminal yotshintshiselwano yorhwebo inikwa umxhasi ngaphandle kwentlawulo.

Inika umdla! Iqonga liqhuba ukuya kuthi ga kwi-3 yentengiselwano yemali ngomzuzwana.

Ukuqala ukurhweba nge-terminal ye-QUIK yotshintshiselwano ebonelelwa yi-VTB Bank:

  • sayina imvume kwinkonzo yokuthengisa;
  • faka i-terminal ye-QUIK yokutshintshiselana kwisixhobo sakho;
  • qhuba unikezelo;
  • faka ifayile kwikhompyuter yakho, yiya kwinkqubo yokuvelisa izitshixo zokufikelela, kwaye emva koko uzigcine ebhankini.

https://articles.opexflow.com/software-trading/torgovyj-terminal-quik.htm Abatyali-zimali abatsha baya kukufumana kulula ngakumbi ukuqhuba imisebenzi yabo yotyalo-mali ngenkonzo ehambelana neselula kunokusebenzisa iterminal yorhwebo yotshintshiselwano yobuchwephesha. Nangona kunjalo, ukuba umsebenzi wakho kukufunda isihloko sotyalo-mali ngokunzulu nangokupheleleyo, ngoko iqonga le-QUIK liya kuba ngumncedisi ogqwesileyo kulo mbandela.

Umcebisi we-robot yorhwebo kwi-VTB Investments: yintoni kwaye yenzelwe ntoni

Umncedisi webhanki ye-robotic ye-VTB yebhanki yebhanki iyafumaneka kubo bonke abathengi benkampani, kungakhathaliseki ukuba yinkqubo yentlawulo ekhethiweyo. Iinkonzo zomcebisi we-robo zinyanzelekile kwaye zikhululekile kumsebenzi wotyalo-mali kuwo wonke umrhwebi kunye nomthathi-nxaxheba kwintengiso yokutshintshiselana.
Utyalo-mali lwe-VTB: iakhawunti yobuqu, iinkonzo ze-brokerage, iirhafu, i-terminalIrobhothi iya kunceda ukwenza
ipotifoliyo yotyalo -mali kumanqanaba okuqala, kwaye iya kunika iingcebiso eziluncedo malunga neentshukumo kulawulo lwezixhobo zemali. Emva kokuba iprofayili yotyalo-mali isetiwe kwaye yenziwe ngokusesikweni, misela injongo apho ipotifoliyo iya kusekwa ngayo:

  • intengo enkulu;
  • i-airbag yemali;
  • umhlalaphantsi;
  • ukutyala imali njengokufumana ulwazi olutsha kunye nomsebenzi owongezelelweyo.

Ngokusekelwe kwinjongo yakho, i-robot iya kwenza uluhlu lweengcebiso zokulawula izibambiso kunye nezinye izixhobo zemali.

Phawula! Akuyimfuneko ukulandela iingcebiso zomncedisi we-robotic. Unako ukwala konke okanye inxalenye yezibonelelo kwaye ulandele isicwangciso sakho esicwangcisiweyo.

Umcebisi ulawula imeko yezixhobo zotyalo-mali lwemali kunye nepotfoliyo kwaye ngamaxesha athile uya kunika iingcebiso ezisebenzayo malunga nokuba wenze ntoni ngezibambiso. Ngokomzekelo, ukufumana ii-asethi ezongezelelweyo okanye, ngokuchaseneyo, ukuzithengisa. Ukongezelela, iqonga linomsebenzi olula – ukhetho lweqhinga. Umxhasi uphumelela uvavanyo ukuze anqume iphothifoliyo yotyalo-mali, emva koko i-robot yomcebisi inikezela ukukhetha enye yeendlela ezintlanu ezikhoyo:

  • i-conservative – umsebenzi kunye neebhondi;
  • umgangatho – 70% iibhondi, 30% izabelo;
  • ukulinganisela – umsebenzi kunye namasheya kunye neebhondi zahlulwe ngokulinganayo;
  • strong – 70% stocks, 30% bonds;
  • ukuya phezulu – sebenza kuphela ngezabelo.

Iipotifoliyo zotyalo-mali eziye zasekwa ngokweengcebiso zenkqubo yerobhothi zibonisa imbuyekezo ephakathi ukuya kuma-20% ngonyaka.

Phawula! Kubalulekile ukuqonda ukuba iimbuyekezo zangaphambili aziqinisekisi ukuba imbuyekezo elandelayo iya kufana. Okukhona ufuna ukunyusa umvuzo wakho, kokukhona uphezulu umngcipheko wokuthotywa kwepotifoliyo yotyalo-mali lwakho.

Utyalo-mali lwe-VTB: iakhawunti yobuqu, iinkonzo ze-brokerage, iirhafu, i-terminal

Imibuzo neempendulo kwimibuzo edla ngokubuzwa malunga noTyalo-mali lwe-VTB

Ungalufumana njani ufikelelo kwiakhawunti yakho yoMxumi woTyalo-mali we-VTB? Umsebenzisi ngamnye unokuhamba ngenkqubo yokubhalisa ngokukhetha enye yezona ndlela zifanelekileyo:

  • ngokusebenzisa isicelo esiphathwayo “VTB My Investments” okanye iwebhusayithi esemthethweni;
  • kwisebe leearhente;
  • Isebe le-VTB Capital Pension Reserve.

I-akhawunti yobuqu ivulelekile kubo bonke abathengi kwaye umsebenzi kuyo ukhululekile.
Yintoni efunekayo ukuze uthenge izabelo? Ukuthenga izabelo, kufuneka ucacise:

  • inombolo kunye nomhla wokwenziwa kwesicelo sokuthengwa kwengxowa-mali;
  • ulwazi malunga nengxowa-mali ekhethiweyo.

Ithini intlawulo yekhomishini kutyalo-mali kwingxowa-mali evulelekileyo? Xa utyala imali kwi-mutual fund, ezi khomishini zilandelayo zihlawuliswa:

  • iprimiyamu – umrhumo onyusa ixabiso lesabelo ekufumaneni;
  • isaphulelo – ikhomishini enciphisa ixabiso lesabelo ekukhululweni.

Kubalulekile ukuba uqaphele ukuba akukho mrhumo wekhomishini xa utshintshisa izabelo.

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