Ungayivula kanjani i-akhawunti yokutshala imali yomuntu ngamunye nokuthi kungani i-IIS idingeka

I-Akhawunti Yokutshalwa Kwezimali Yomuntu Ngamunye (IIA) yi-akhawunti ye-brokerage ongatshala ngayo emakethe yezibambiso. Kodwa, ngokungafani ne-akhawunti ye-brokerage evamile, i-IIS ikunika igunya lokuthola inzuzo yentela / ukudonswa kuhulumeni.

Iyini i-akhawunti yokutshala imali yomuntu ngamunye, yiziphi izinzuzo nezingozi zayo eziyinhloko futhi isebenza kanjani

Kungaba ne-akhawunti eyodwa kuphela ye-brokerage enezinzuzo zentela. Umthetho uvumela isakhamuzi ukuthi sibe ne-2 IIS ngesikhathi esifanayo isikhathi esingaphezu kwenyanga. Lapho uvula i-akhawunti nomthengisi oyedwa futhi ungakayivali i-akhawunti nomunye
umthengisi . Ngesikhathi esifanayo, umthetho awuhlinzeki ngomkhawulo enanini lama-akhawunti ajwayelekile (okungatshali-zimali) okudayisa. I-akhawunti ye-brokerage evamile ayikwazi ukwenziwa i-akhawunti yokutshala izimali. I-IIS idinga ukuvulwa ngokungeziwe. [i-id yamagama-ncazo = “okunamathiselwe_12231” align = “aligncenter” wide = “812”]
Izici ze-IIS [/ amazwibela] Phakathi nonyaka, kwenqatshelwe ukugcwalisa i-IIS ngama-ruble angaphezu kwesigidi esingu-1. Inani eliphakeme lokubanjwa kwentela lingama-ruble ayizinkulungwane ezingama-52. Ayikho imikhawulo enanini lemisebenzi ku-akhawunti ye-brokerage evamile noma i-IIS. Ngokuzenzakalelayo, i-akhawunti ye-brokerage ihlukaniswe izigaba ezi-3 – isitoko, isikhathi kanye nemali. Abanye abadayisi (Ukuvula, i-Finam) banikeza isevisi yokuhlanganisa ku-akhawunti eyodwa. Ngesicelo seklayenti ehhovisi, ungafaka isicelo sokuhlanganisa i-akhawunti eyodwa ye-IIS. Lokhu kusebenza akukwazi ukuhlehliswa. Abatshalizimali kuphela abane-akhawunti yabo esibe khona iminyaka engaphezu kwemi-3 abanelungelo lokudonswa intela. Izakhamuzi eziningi zaseRussia ziyesaba ngaleli phuzu – abantu abambalwa banokulondoloza usayizi onjalo ukuthi ama-ruble ayizinkulungwane ezingu-400-1500 nakanjani ngeke adingeke iminyaka emithathu. Kodwa leli phuzu kulula ukulidlula. Kwanele ukuvula i-IIS, Akudingekile ukufaka imali lapho uvula i-akhawunti. Ekupheleni konyaka wesithathu wokuba khona kwe-akhawunti, gcwalisa i-akhawunti ngama-ruble ayizinkulungwane ezingama-400. NgoJanuwari, gcwalisa i-akhawunti enye izinkulungwane ezingama-400, gcwalisa intela yomuntu siqu ye-3 ku-akhawunti yomuntu siqu ye-Federal Tax Service. Yilokho kuphela, i-akhawunti ingavalwa, ngemuva kokuthi isicelo sicutshungulwe, ukudonswa kwentela kuzodluliselwa ekhadini. [i-id yamagama-ncazo = “okunamathiselwe_12225” align = “aligncenter” wide = “708”]
Ungalahlekelwa kanjani imali ebanjwayo yentela ku-IIS [/ amazwibela] Uma ugcwalisa i-IIS njalo (njengoba isimo sasihlelile) futhi udinga imali ngaphambi kweminyaka emi-3, kuzodingeka ubuyisele imali ebanjwayo oyitholile futhi ukhokhe isenti ukuze usebenzise izimali zentela.

Akunakwenzeka ukuhoxisa ingxenye yezimali ku-IIS. Noma yikuphi ukuhoxiswa kwezimali kuholela ekuvaleni okuzenzakalelayo kwe-akhawunti. Kodwa ngeke kusebenze ukuvala i-IIS ngokuzenzakalelayo, kunalokho, umthengisi uzovele avimbele imisebenzi yokuhoxiswa.

Akubona bonke abasebenzi abakwazi ukuvala i-IIS ngisho noma zingekho izimpahla ku-akhawunti yomthengisi ngamunye. Futhi:

1. Ama-ruble kuphela angafakwa ku-akhawunti ye-IIS.
2. Ku-akhawunti yotshalo-mali ngayinye, ungathenga noma imaphi amathuluzi adayiswa ku- Moscow Exchange , okuhlanganisa ama-ETF nokuphuma kokuphuma kwekusasa nezinketho.
3. Ungahweba nge-IIS eMoscow naseSt. Petersburg stock exchange.
4. Ukuthengwa kwamasheya angaphandle (ngaphandle kwamasheya adayiswa e-St. Petersburg Stock Exchange) akuvunyelwe. Amaklayenti afisa ukuhweba ezimakethe zase-US, China noma India ngokuqondile ngeke akwazi ukuthola ukudonswa kwentela ngalokho kuthenga.
5. Abanye abadayisi (isibonelo, i-VTB) bakuvumela ukuthi ukhiphe izabelo ezihlukene kanye namakhuphoni ebhondi ku-akhawunti yasebhange. Uma ubuyisela lezi zimali ku-akhawunti yomthengisi, lokhu kuzobhekwa njengokugcwalisa futhi ungathola ukudonswa kwentela kule mali. Uma amakhuphoni nezabelo zizofika ku-akhawunti ye-brokerage njengokugcwalisa, lokhu akucatshangwa.
6. Ungakwazi ngokukhethekile ukuthenga amasheya ezinsukwini ezingu-1-2 ngaphambi kwenkokhelo ye-dividend, noma amabhondi emalimboleko yenhlangano ezinsukwini ezimbalwa ngaphambi kwenkokhelo yekhuphoni. AbakwaDaredevils baze bazithenge ngezimali. Ukuze ukhuphule izinkokhelo zekhuphoni. Ngakho-ke, ungakhipha kufikela ku-50% we-akhawunti ye-IIS ngonyaka ku-akhawunti yasebhange. Konke kufanele kubalwe ukuze kungangeni ekulahlekelweni. Ngemuva kwakho konke, ngemuva kokunqunywa kwe-dividend, amasheya awela cishe inani lezabelo. Umdayiseli ukhokhisa imali ngokunikeza amandla, angeke akhokhe uma ubambe isikhundla sokulahlekelwa isikhathi eside.
7. Umthetho awusunguli isikhathi esiphezulu se-IIS. Ungaqhubeka nokuyisebenzisa ngemva kweminyaka emithathu, unyaka ngamunye uthola izimali ezibanjwayo. Kulesi simo, ungayivala noma kunini.
8. Izimali ku-akhawunti yomthengisi (noma iyiphi) azikho ngaphansi komshwalense we-DIA. Ukutshalwa kwezimali kubandakanya ingozi yokulahlekelwa ukutshalwa kwezimali.
9. Izimpahla (amasheya namabhondi) azigcinwa kumthengisi, kodwa endaweni yokugcina imali futhi zizohlala zingezakho ngisho noma umthengisi ephelelwa yimali. Imali ku-akhawunti yomthengisi ayinaso lesi sivikelo.

Iyini i-IIS – ecacile futhi efinyelelekayo mayelana ne-akhawunti yokutshala izimali ngayinye: https://youtu.be/zKkgnJLil1s

Izinhlobo zokubanjwa kwentela

Kunezinhlobo ezimbili zokudonswa kwentela ezingatholwa ku-IIS.

Uhlobo lokubanjwa kwentela A

Ukubuyiswa kwe-13% yenani elifakwe ku-akhawunti ye-brokerage, kodwa hhayi ngaphezu kwezinkulungwane ze-52 ngonyaka. Ukufaka isicelo sokudonswa kwemali, kufanele uthumele kwabasemagunyeni bentela (egcwaliswe nge-elekthronikhi nge-akhawunti yomuntu siqu ye-Federal Tax Service):

• isitifiketi 2-intela yomuntu siqu yesikhathi sentela;
• isivumelwano nenkampani ye-brokerage yokugcina i-akhawunti;
• isiqinisekiso sokugcwaliswa kabusha kwe-akhawunti yomthengisi ngamunye – irisidi noma i-oda lokukhokha elivela ebhange;
• 3-NDFL (egcwaliswe ku-akhawunti yomuntu siqu ye-Federal Tax Service).

Amadokhumenti kufanele athunyelwe phakathi neminyaka emithathu yobudala kusukela ngonyaka okufunwa ngawo ikhredithi yentela. Iziphathimandla zentela zizodlulisela izimali emininingwaneni eshiwo esicelweni phakathi nezinyanga ezi-4 – izinyanga ezi-3 zokuqinisekisa kanye nenyanga engu-1 yokudlulisa izimali. Ungathola ukudonswa kwentela ngisho noma lingekho iholo elisemthethweni – 2-intela yomuntu siqu ingatholwa, isibonelo, ngokuhweba okuhle ku-akhawunti ye-brokerage evamile. Ngakho-ke, ungakwazi ukunciphisa izintela ezikhokhwa ngaphandle kwemingcele ekuhoxisweni kwengxenye yezimali ku-akhawunti yomthengisi. Futhi, ngokudonswa kwentela ye-IIS, ungabuyisela intela ekhokhiwe ngokudayiswa kwezindlu ezithengiswayo, inzalo kumadiphozithi noma intela ekhokhwe ezinkokhelweni. Ukuzisebenza (intela ikhokhwa ngenani elingu-4 noma 6%) ngeke ikwazi ukubuyisela izintela nge-IIS.

Uhlobo lokubanjwa kwentela B

Isakhamuzi asikhululiwe ekukhokheni izintela kuyo yonke imali engenayo ngesikhathi sokuba khona kwe-akhawunti. Ngaphandle kwezinzuzo, intela idonswa kungakhathaliseki ukuthi hlobo luni lwe-akhawunti. Kuzodingeka futhi ukhokhe intela ngokuthengiswa kwezinsimbi eziyigugu nezinhlobo zemali. Isakhamuzi singanquma ukuthi yiluphi uhlobo lwekhredithi yentela okufanele siyikhethe kuze kube usuku lokuvala i-akhawunti. Kodwa ngemva kokuthola ukudonswa kwentela, ngeke kusakwazi ukushintsha uhlobo lwenzuzo yentela. Ukushintsha uhlobo lokudonswa kwemali, kuyadingeka ukuvula i-IIS entsha ngemva kwesikhathi esiyiminyaka emithathu. Ku-akhawunti entsha, kuzophinde kube nokukhetha ukuthi kudonswe imali. Umthetho awunikezi umkhawulo enanini lama-akhawunti asanda kuvulwa ngesikhathi sokuphila kwesakhamuzi.

Umthetho osalungiswa uyalungiselelwa ohlotsheni lwesithathu lokubanjwa kwentela – isikhathi se-akhawunti sisuka eminyakeni eyi-10, nokugcwaliswa kabusha okungaphezu kwesigidi esingu-1 ngonyaka. Izikhulu zisikisela ukuthi ngale ndlela izakhamizi zizogcina imali yezindawo ezithengiswayo.

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Uhlobo lokubanjwa kwentela A no-B ku-IIS[/caption]

Ngingayivula kanjani i-akhawunti yokutshala imali yomuntu ngamunye – okudingekayo nokuthi kufanele kuvulwe i-IIS engakanani

Ukuvula i-akhawunti yokutshala imali yomuntu ngamunye, ipasipoti kuphela edingekayo. Kwezinye izimo, bangacela i-SNILS noma i-TIN. Abathengisi abaningi bahlinzeka ngale sevisi bekude. Ukushintsha umthengisi ngemva kokuvula i-IIS kuyinqubo ebiza kakhulu, ngakho ukukhetha umthengisi kufanele kukhulunywe ngakho ngokuzibophezela – funda amanani kuwebhusayithi yomthengisi, ngena ezinkundleni, funda ukubuyekezwa kwamakhasimende. I- IIS Investments Opening https://open-broker.ru/invest/:
Ukuvula i-IIS engaphezu kweyodwa ukude ngeke kusebenze:
Kungcono ukukhetha umthengisi kusuka ku-TOP-20 eshicilelwe kuwebhusayithi ye-Moscow Exchange (VTB, Finam , Sberbank, Otkritie, BCS nabanye) . [i-id yamagama-ncazo = “okunamathiselwe_515” align = “aligncenter” wide = “1127”]
Abathengisi abanelayisense[/ amazwibela] Izintengo ze-IIS ngokuvamile azihlukani nenani le-akhawunti ye-brokerage evamile uma iklayenti likhetha ukuphatha i-IIS ngokuzimela. Ku-akhawunti yotshalomali ngayinye, kufanele ukhethe umthengisi onokwethenjelwa, noma ngabe inikeza amanani ancintisanayo. Ngisho noma ungakaze uhwebe futhi ngeke uqonde ubunkimbinkimbi bomdlalo wokushintshisana, kufanele uvule i-IIS. Okungenani ukuze uthole ukudonswa kwentela ngemuva kwesikhathi esiyiminyaka emi-3. Ukuvula i-akhawunti kumahhala futhi akubeki noma yiziphi izibopho kusakhamuzi. Alikho inani elincane ongaqala ukulitshala. Kodwa abathengisi abaningi babeka amakhomishana engeziwe e-oda lama-ruble angu-200-500 ngenyanga kuma-akhawunti angaphansi kwama-ruble ayizinkulungwane ezingu-50. Kuyaqapheleka ukuthi cishe leli nani liyadingeka ukuze kwakhiwe iphothifoliyo ehlukahlukene ye-ETF. Ngokutshala imali esitokisini, abathengisi bavame ukutusa ukuqoqa iphothifoliyo yama-ruble ayizinkulungwane ezingama-200-400. Ngemva kokuvula i-IIS, umthengisi uzokhipha imininingwane yokugcwalisa i-akhawunti ye-IIS. Ungakwazi ukugcwalisa i-akhawunti yakho engeyona imali ekhadini lasebhange nge-oda lokukhokha noma usebenzisa isevisi ye-P2P (uma ugcwalisa ngale ndlela, umthengisi angase akhokhise ikhomishini engu-1%), noma ngokudlulisela kusuka ku-akhawunti ye-brokerage evamile uma i-IIS. futhi i-akhawunti ye-brokerage inomthengisi ofanayo. Uma ama-akhawunti enama-broker ahlukene, kuzomele uqale uhoxe ekhadini lasebhange. Lapho udlulisela izimali ezivela ku-akhawunti ye-brokerage evamile, kuzodingeka ukhokhe intela yentela (uma, kunjalo, kukhona imali engenayo). Ungakwazi ukugcwalisa i-akhawunti yakho engeyona imali ekhadini lasebhange nge-oda lokukhokha noma usebenzisa isevisi ye-P2P (uma ugcwalisa ngale ndlela, umthengisi angase akhokhise ikhomishini engu-1%), noma ngokudlulisela kusuka ku-akhawunti ye-brokerage evamile uma i-IIS. futhi i-akhawunti ye-brokerage inomthengisi ofanayo. Uma ama-akhawunti enama-broker ahlukene, kuzomele uqale uhoxe ekhadini lasebhange. Lapho udlulisela izimali ezivela ku-akhawunti ye-brokerage evamile, kuzodingeka ukhokhe intela yentela (uma, kunjalo, kukhona imali engenayo). Ungakwazi ukugcwalisa i-akhawunti yakho engeyona imali ekhadini lasebhange nge-oda lokukhokha noma usebenzisa isevisi ye-P2P (uma ugcwalisa ngale ndlela, umthengisi angase akhokhise ikhomishini engu-1%), noma ngokudlulisela kusuka ku-akhawunti ye-brokerage evamile uma i-IIS. futhi i-akhawunti ye-brokerage inomthengisi ofanayo. Uma ama-akhawunti enama-broker ahlukene, kuzomele uqale uhoxe ekhadini lasebhange. Lapho udlulisela izimali ezivela ku-akhawunti ye-brokerage evamile, kuzodingeka ukhokhe intela yentela (uma, kunjalo, kukhona imali engenayo).

Indlela yokuvala i-IIS

Ukuvalwa kwe-IIS kwenziwa kuphela emnyangweni. Kuyaphawuleka ukuthi ukuze uvale i-akhawunti akufanele kube nezimpahla, ukheshi kuphela. Kungenzeka ukuvala i-IIS ngezimpahla futhi uzidlulisele kwenye i-IIS noma i-akhawunti ye-brokerage evamile. Akubona bonke abadayisi abazisa amaklayenti abo ngalokhu okungenzeka. Ukuvala i-IIA enezimpahla kuyinqubo enzima, futhi kuzodingeka ukhokhe ikhomishini engaba ngama-ruble angu-200-400 ukuze udlulisele isabelo noma ibhondi ngayinye. Lapho udlulisela izimpahla zisuka komunye umthengisi ziye komunye, intela yemali engenayo yomuntu siqu ayikhokhelwa, isakhamuzi sigcina ilungelo lokubanjwa. Inzuzo yeminyaka emithathu yamasheya ayikwazi ukusetshenziswa ku-IIS. Ukuze uthole izinzuzo ezinjalo, kuyadingeka ukudlulisela amasheya ku-akhawunti ye-brokerage (uma umthengisi enza imisebenzi enjalo). Ngakho-ke, ungathola ngokushesha izinhlobo ezi-2 zokudonswa – ukuze ugcwalise kabusha ngohlobo 1 lokudonswa kwentela kanye nemali engenayo, uma isu lokuhweba libandakanya ukubamba izikhundla isikhathi eside. [i-id yamagama-ncazo = “okunamathiselwe_12227” align = “aligncenter” wide = “603”]
Isibonelo sokubala inzuzo ku-IIS [/ amazwibela] Ikuphi indawo engcono kakhulu yokuvula i-akhawunti yokutshalwa kwezimali yomuntu ngamunye e-Russia kusukela ngo-2022 – isilinganiso sabathengi abahamba phambili nabathembekile ekuvuleni i-IIS, – Tinkoff, VTB, Sber, Alfa, I-BCS – amanani kanye nezinsizakalo: https: //youtu.be/E4jQxrgBJMw Zonke izakhamizi ze-Russian Federation ezifinyelele iminyaka engu-18 futhi ezinokubhaliswa unomphela noma wesikhashana zinelungelo lokuvula i-IIS. Umthetho awusho ukuthi abasebenzi bakahulumeni abanalungelo le-IIS kanye nezinzuzo zentela. I-IIS akuwona umsebenzi webhizinisi. Ngesikhathi esifanayo, abasebenzi bakahulumeni kanye namalungu emindeni yabo abanalungelo lokuba namasheya angaphandle futhi kuyodingeka ukuthi babike izabelo ezitholiwe njengemali engenayo kusimemezelo sabo sonyaka. Izimpahla eziku-akhawunti yotshalo-zimali yomuntu ngamunye, njenganoma iyiphi indawo, zingaphansi kokuhlukaniswa phakathi kwabashadile (uma usuku lokuvula i-akhawunti lungemuva komshado), izikhonzi zenkantolo zingababopha, zingazuzwa njengefa. Kodwa kulokhu, uma kwenzeka i-force majeure, kufanele utshele izihlobo zakho mayelana nokuba khona kwe-akhawunti ye-IIS. Umthengisi akaphoqelekile ukuthi azise izindlalifa mayelana nokuba khona kwama-akhawunti.

Isu lokutshala imali le-IIS

Okufanele ukwenzele abaqalayo

Uma umusha ezimakethe zezimali futhi unomsebenzi osemthethweni oneholo elingaphezu kuka-400,000 ngonyaka, isu eliwina kakhulu ukufaka u-400,000 ngonyaka (isikhathi esisodwa noma ngenyanga), uthenge amabhondi emalimboleko e-federal ngale mali, futhi thola ukudonswa kwentela kohlobo A. Ngokuphathwa okuzimele kwe-IIS, ukuze kusetshenziswe imisebenzi yokuhweba, kudingeka ukuthi kufakwe isofthiwe ekhethekile kukhompuyutha noma ifoni. Izicelo ezifika kwezi-5 ngenyanga zingenziwa mahhala ngo-opharetha ngocingo. Isu elinjalo elilula elingenabungozi cishe liletha cishe u-15% ngonyaka.

Ukuze abatshalizimali abanolwazi

Uma ungumtshali-zimali onolwazi futhi unesu eliletha ngaphezu kuka-13% ngonyaka, kunenzuzo eyengeziwe ukunamathela kulo ku-IIA futhi, ngemva kokuphela kwesikhathi esimisiwe, khetha inzuzo yentela yohlobo B. Isibali se-IIA okunikeza ukubala imbuyiselo ekutshalweni ku-inthanethi kunganikeza kuphela umbono olinganiselwe wesivuno. Ngisho noma iholo elisemthethweni likuvumela ukuthi uthole inani eliphezulu lokubanjwa kwentela, akunakwenzeka ukubikezela ukuthi yimalini ozokwazi ukunikela ngayo nyanga zonke.
Imali engenayo evela ku-IIA ingabikezelwa kuphela uma uzotshala ama-ruble ayizinkulungwane ezingama-20-30 ngenyanga futhi uthenge kuphela amabhondi emalimboleko yenhlangano noma ungahwebi nhlobo. Ngaphezu kwalokho, akunakwenzeka ukubikezela umphumela wokutshalwa kwezimali iminyaka emi-3 kusengaphambili. Kodwa izinsizakalo ezinjalo zingasiza ukuphupha.

Kwakukhona izimo lapho izakhamuzi zingahwebi nge-IIS, zisebenzisa kuphela ukuthola ukudonswa kwentela. Kulesi simo, ihhovisi lentela lingase lenqabe ukukhipha intela ngenxa ye-akhawunti eqanjiwe. Ukuze ugweme izingozi zesimo esinjalo, kufanele uthenge amabhondi emalimboleko e-federal ngokuvuthwa okufushane.

Ukuphathwa kokuthenjwa kwe-IIS

Uma ungazi ukuthi uhweba kanjani futhi ulungele ukubeka engcupheni ukuze uthole imali engenayo ephezulu, ungasebenzisa izinsizakalo zomthengisi ukuze uthole ukuphathwa kwe-IIS. Abathengisi abaningi abakhulu banikeza izixazululo zokutshala izimali esezakhiwe ngobungozi obumaphakathi noma obuphezulu. Kulokhu, azikho iziqinisekiso zemali engenayo, kungase kube nokulahlekelwa. Kodwa ikhomishini yonyaka yokuphatha i-IIS kusazodingeka ikhokhwe. Kuyadingeka ukubheka ukuthi isivumelwano sokuphathwa kwe-trust siqukethe isigatshana sokulahlekelwa okukhulu, lapho kufinyelelwa ukuthi yikuphi ukuma kokuhweba. Uma kungenjalo, esikhundleni senzuzo, ungalahlekelwa yonke imali. Ngokuphathwa okuzimele kwe-IIS, iklayenti alikhawulelwe enanini lokugcwaliswa kabusha, ungadlulisela izimali nganoma yisiphi isikhathi. Angakwazi ngisho nokudlulisa ama-ruble angu-100 ukuze aqale ukutshala imali. Umuntu kufanele aqonde kuphela ukuthi inani lokutshala imali lincane, inzuzo encane ye-ruble izotholwa. Lapho utshala imali ngokuphathwa kwe-IIS trust, kuyadingeka ukuthi ugcwalise i-akhawunti ngokushesha ngemva kokusayina inkontileka. Inani elincane lokugcwaliswa kabusha ngama-ruble ayizinkulungwane ezingama-90-100. Imvamisa umthengisi unikezela ngemikhiqizo yokutshalwa kwezimali eseyenziwe ngomumo ukuze isebenze ku-IIS enamazinga ahlukene obungozi:

1. Ubungozi obuphansi – imali itshalwa esikhwameni sesitoko esihwebelana ngokuhwebelana. Isivuno esifunwayo singu-0.9-15%. Kulindeleke ukuthi ngisho nasezimeni ezimbi kakhulu, ukulahlekelwa kuzohlanganiswa nokubanjwa kwentela.
2. Izinga lengozi emaphakathi noma ephansi – imali itshalwa esitokisini / amabhondi emalimboleko yenhlangano / amabhondi ezinkampani ngengxenye ye-10% / 30% / 60%. Inzuzo engokomlando yesu ingama-52% ngonyaka kusukela ngo-2017. Ngesikhathi sokutshalwa kwezimali (umthengisi uncoma ukutshala imali okungenani iminyaka emi-3), iklayenti lingathola imbuyiselo engemihle. Awukho umkhawulo wokulahlekelwa.
3. Izinga eliphakeme lobungozi – imali itshalwe kumasheya aphezulu ayi-10 weRussian Federation ngezilinganiso ezithile. Inzuzo yomlando yesu kusukela ngo-2017 ingama-72%. Umkhawulo wokulahlekelwa awuboniswa.

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Izinhlobo zobungozi ekwakhekeni kwe-investment portfolio – emaphakathi, ebhalansile, enolaka[/caption] I-akhawunti yokutshalwa kwezimali ngayinye iyithuluzi elikahle elikuvumela ukuthi wenze kanjalo. ukwandisa imali engenayo ngokuhweba okuphumelelayo. Imikhawulo ayibalulekile ezakhamuzini ezibala isikhathi eside, ezitshala njalo ingxenye yemali yazo emasheya, amabhondi kanye nezikhwama zokuhwebelana. I-IIS iyathakazelisa ngisho nakulabo abangahwebi futhi abafuni ukuqonda izimakethe zezimali. Kulabo abafuna ukuphindaphinda imali yamahhala, kodwa bengenalo ulwazi olwanele, abathengisi banikeza ukuphathwa kokuthembana okunamandla okwenza inzuzo angaphezu kwenani elingenabungozi, kanye nezingozi ezilinganiselwe. I-Cons ye-IIS ayibalulekile kubatshalizimali abaningi.