Indlela yokuvula i-IIS Tinkoff, izimo, amanani, indlela yokuthola imali ebanjwayo

Ukutshala imali usebenzisa i-akhawunti yokutshala imali kungenye yezindlela zokutshala imali ngempumelelo. Amabhange amaningi anikeza ithuba lokuvula i-IIS. Omunye wabo nguTinkoff-Bank. Kulesi sihloko, sizokhuluma ngokuthi iyini i-Tinkoff IIS, indlela yokukhipha nokusebenzisa i-akhawunti yokutshalwa kwezimali yomuntu ngamunye evela ku-Tinkoff, kanye nemigomo yokusetshenziswa, izinzuzo kanye nokubi.

Iyini i-IIS Tinkoff

I-akhawunti yotshalomali yomuntu ngamunye iwuhlobo olukhethekile lwe-akhawunti yomthengisi. Ngale akhawunti, ungathenga amasheya, amabhondi, izimali. Umehluko omkhulu yikhono lokuthola ukudonswa kwentela, okungenakwenzeka nge-akhawunti ye-brokerage evamile. Futhi, umbuso ungasungula imikhawulo nezinzuzo maqondana ne-IIS. Ngokuya ngohlobo lwabaphathi, izinhlobo ezimbili zihlukaniswa: zilawulwa ngokuzimela nangenkampani yokuphatha. I-Tinkoff-Bank inikeza ithuba lokukhipha i-IIS enezimo ezivumayo. Ividiyo yezemfundo – yini i-Tinkoff IIS, indlela yokutshala imali futhi uthole kuyo ngo-2022: https://youtu.be/Yup_Fw8CPks

Ungasifaka kanjani isicelo se-Tinkoff IIS – iyiphi idatha edingekayo ukuze uvule i-akhawunti yokutshalwa kwezimali yomuntu ngamunye nge-Tinkoff

Ungakwazi ukuvula i-IIS kusixhumanisi esithi https://www.tinkoff.ru/invest/iis/ Ukuze ubhalise, udinga ukugcwalisa ifomu kuwebhusayithi yebhange. Esinyathelweni sokuqala, uzodinga ukukhombisa igama lakho eligcwele kanye nenombolo yocingo yokuxhumana.
I-SMS enekhodi izothunyelwa enombolweni eshiwo. Kufanele ifakwe ngendlela elandelayo.
Faka iphasiwedi ye-akhawunti yakho yomuntu siqu ye-Tinkoff-Bank.
Esinyathelweni sesibili, kufanele ufunde imigomo yesevisi bese usayina ifomu lesicelo nge-SMS.
Esinyathelweni sesithathu, uzodinga ukulanda uhlelo lwe-Tinkoff Investments. I-akhawunti izovulwa phakathi nosuku olulodwa lokuhweba.
Ikhasi lokulanda uhlelo lokusebenza libukeka kanje.
Kuhlelo lokusebenza, kufanele ufake inombolo yocingo lapho ikhadi le-Tinkoff-Bank lixhunywe khona.
I-SMS enekhodi yokuqinisekisa izothunyelwa kufoni yakho. Udinga ukukufaka efomini.
Faka iphasiwedi ye-akhawunti yakho yomuntu siqu i-Tinkoff-Bank
Setha ikhodi yokufinyelela kuhlelo lokusebenza lwe-Tinkoff Investments.
Ngemva kokufaka ikhodi, imenyu enkulu yohlelo lokusebenza izovuleka. Swayiphela kwesokunxele.
Ewindini elivulayo, chofoza inkinobho ethi “Vula i-IIS”.
Isevisi izosixwayisa ukuthi ungaba ne-akhawunti eyodwa kuphela. Ngakho-ke uma une-akhawunti kwelinye ibhange, ivale. Uma ungenayo ama-akhawunti afanayo kwamanye amabhange, chofoza okuthi “Anginayo enye i-IIS”.
Ungayivula kanjani i-akhawunti yokutshalwa kwezimali yomuntu ngamunye nge-Tinkoffbank – imiyalelo yesinyathelo ngesinyathelo yokuvula i-IIA ku-Tinkoff Investments: https://youtu.be/WNotdO5aI2Y

Ubani ongavula i-IIS?

Umuntu kuphela oyisakhamuzi sentela nesakhamuzi saseRussian Federation futhi osefinyelele iminyaka engu-18 onelungelo lokuvula i-akhawunti. Ukuze ube yisakhamuzi sentela saseRussian Federation, udinga ukuhlala eRussian Federation okungenani izinsuku eziyi-183 ngonyaka. I-IIS ingavulwa ngusomabhizinisi ngamunye, ozisebenzayo, isisebenzi sikahulumeni, ohola impesheni, indoda yezempi.

Izisebenzi zikahulumeni kanye namasosha abanalo ilungelo lokuba nezimpahla nezimpahla zakwamanye amazwe, ukutholakala kwazo okungaholela ekungqubuzaneni kwezintshisekelo.

Lawula ukulungiselelwa nokukhetha

Ungaphatha ukutshalwa kwezimali kokubili ngohlelo lokusebenza lweselula kanye netheminali ye-Tinkoff Investments. Ukuze uthole imininingwane eyengeziwe, landela isixhumanisi https://help.tinkoff.ru/terminal/ Uhlelo lokusebenza lweselula luhlanganisa izigaba eziyinhloko ezingu-5: “Iphothifoliyo”, “Ongakuthenga”, “Okuphakelayo”, “Xoxa” kanye “Nokwengeziwe”. Isigaba sephothifoliyo sihlanganisa ulwazi mayelana ne-akhawunti kanye nezimpahla zezimali ezitholiwe. Kulesi sigaba, ungakwazi ukugcwalisa ibhalansi futhi ufunde mayelana nokwenziwe okusebenzayo nokuqediwe.
Ekhoneni eliphezulu kwesokudla kunenkinobho ethi “Imicimbi”, ngokucindezela ongabona zonke izehlakalo ezenzeke ngale akhawunti.
Uma uchofoza umcimbi othile, ungabona yonke imininingwane kuwo.
Esigabeni esithi “Ongakuthenga”, ungakhetha impahla ongatshala kuyo. Kungaba izimali, amasheya, amabhondi, ikusasa, izimali.
“I-Tape” – izindaba, izibalo kanye nolunye ulwazi olubalulekile oluthinta izingcaphuno. Lapha ungavakashela inkundla yezokuxhumana yabatshalizimali “Pulse”, ulalele ama-podcasts esihlokweni sokutshala imali, funda izincwadi.
“Xoxa” – lapha ungashintshanisa imilayezo nozakwethu, futhi ufune usizo ubusuku nemini.
Esigabeni esithi “Okwengeziwe”, amathebhu “Izilungiselelo”, “Iphrofayela” kanye “Nolwazi” abekwe. Kuthebhu ethi “Iphrofayela”, umsebenzisi angakhetha uhlelo lwentela futhi ahlole ukuze anqume isitayela sokuhweba nephrofayela yokutshala imali. Kuthebhu efanayo, ungagcwalisa ifomu le-W-8BEN. Lokhu kufanelekile ukwenza uma umtshali-zimali ethenga amasheya angaphandle, isibonelo, kusukela ekushintsheni kwe-NASDAQ. Ifomu eligcwalisiwe lizofakazela ukuthi umtshali-zimali akasona isakhamuzi sentela sase-US. Kusuka kule thebhu, ungaya kuphrofayela yakho ku-Pulse – inethiwekhi yokuxhumana ye-Tinkoff-Investments.

Uma uhweba ngempahla yangaphandle ngaphandle kokugcwalisa ifomu, intela izoba ngu-30%. Uma isiqediwe, intela ingehliswa ibe ngu-13%.

Ithebhu “Izilungiselelo” ikuvumela ukuthi ulungiselele ukuphakelwa kwezindaba nemicimbi, unike amandla izaziso zohlelo lokusebenza, izinketho zokungena, ukuqinisekiswa kwe-SMS kokusebenza kokuhweba.
Kuthebhu Ulwazi, ungathola izimpendulo zemibuzo evame ukubuzwa, uxazulule izinkinga ezingakwazanga ukuxazululwa kuthebhu ye-Chat, futhi ubuke imininingwane yohlelo lokusebenza. Ungakwazi ukuvula i-akhawunti yokutshala izimali yakwa-Tinkoff ku-inthanethi ku-https://www.tinkoff.ru/invest/iis/:

Ungayithola kanjani imali ye-IIS ku-Tinkoff Bank izinhlobo A no-B

I-IIS evela ku-Tinkoff Bank ihlinzeka ngokubanjwa kwentela yohlobo A no-B. Esimeni sokuqala, u-13% yenani elidiphozithi lingabuyiswa minyaka yonke. Inani lokugcwalisa akufanele lidlule ama-ruble angama-400,000 ngonyaka wekhalenda. Ngokudonsa uhlobo A, ungafinyelela kuma-ruble angama-52,000 ngonyaka. Ukuze uthole imali engenayo, umnikazi kufanele abe nemali engenayo ngaphansi kwentela yomuntu siqu. Uma imali engenayo esemthethweni ingama-ruble angama-30,000, inani elikhulu lokubanjwa lizoba ama-ruble angama-46,800.
Umtshali-zimali angathola imali ebanjwayo yalolu hlobo ngokugcwalisa isicelo kuwebhusayithi ye-Federal Tax Service noma ngokufaka isicelo mathupha ehhovisi lesifunda lenkonzo. Amadokhumenti alandelayo ayadingeka ukuze kudonswe imali yohlobo A:

1. Isimemezelo 3-NDFL, sigcwaliswe ku-inthanethi kuwebhusayithi ye-Federal Tax Service.
2. Isitifiketi esingu-2-NDFL sonyaka wokufaka imali ku-akhawunti yokutshala imali. Izoqinisekisa iqiniso lokuthola imali engenayo kanye nokukhokha intela ngenani elingu-13% esikhathini sentela. Ikhishwa emnyangweni we-accounting endaweni ngayinye yokusebenza.

Ungalinda isitifiketi se-2-NDFL kuwebhusayithi yesevisi yentela, bese usilanda lapho ugcwalisa isimemezelo se-3-NDFL. Njengomthetho, zibekwe ngemuva kuka-Ephreli 1 wonyaka ngamunye.

3. Amadokhumenti avela kumdayisi. I-Tinkoff-Bank izozilungiselela ngemva kokuphela konyaka wekhalenda we-akhawunti. Kuzodingeka zilandwe kuhlelo lwe-Tinkoff Investments noma ku-akhawunti yakho yomuntu siqu kuwebhusayithi ye-tinkoff.ru, futhi zilayishwe efomini kuwebhusayithi ye-FTS.

I-Tinkoff-Bank izohlinzeka ngombiko mayelana nokuthengiselana nokusebenza uma kudingwa ihhovisi lentela. Ukuze wenze lokhu, udinga ukubhalela engxoxweni yesevisi yokusekela kuhlelo lokusebenza noma kuwebhusayithi ye-tinkoff.ru. Idokhumenti ilungiswa phakathi nezinsuku zokusebenza eziyi-10 futhi ithunyelwe ngeposi ekhelini elifanele.

Uhlobo B olubanjwayo lungatholwa kuphela uma i-akhawunti ivaliwe. Ngalokhu kubanjwa, ungenza inzuzo ngokutshalwa kwezimali ngaphandle kokukhokha intela. Lolu hlobo lokubanjwa alukwazi ukutholwa ngaphambi kweminyaka emi-3 ngemuva kokuvulwa kwe-akhawunti.
Ake sithi ekuqaleni kuka-2020 umtshali-zimali wavula i-akhawunti futhi wafaka ama-ruble angu-300,000 kuyo. Ukutshalwa kwezimali kwaba yimpumelelo, futhi amasheya ayetshale kuwo azuza ngenani. Ekuqaleni kuka-2023, umtshali-zimali wanquma ukuthengisa amasheya futhi avale i-akhawunti. I-akhawunti ngemuva kokuthengiswa kwamasheya yaba ngama-ruble angama-900,000. Imali engenayo ngemuva kokudonswa kwamakhomishini yaba ngama-ruble angama-600,000, intela kuyo – ama-ruble angama-78,000.Isicelo sokudonswa kwemali kohlobo B sithunyelwa ngomthengisi ngaphambi kokuba i-akhawunti ivalwe noma ehhovisi lentela. Ingahanjiswa mathupha noma ku-inthanethi. Umdayisi ngeke adonse intela emalini etholwayo lapho efaka isicelo. Kodwa uma umtshali-zimali enquma ukufaka isicelo ku-Federal Tax Service, umthengisi uzosula inkokhelo yentela, khona-ke i-Federal Tax Service, ngemva kokuqinisekisa, izokweleta ukudonswa kwemali ekhadini lomtshali-zimali.

Ukutshala imali nge-IIS Tinkoff – izimo

I-Tinkoff-Bank inikeza izimo zokutshala izimali ezilandelayo:

1. Ukuphathwa kokutshalwa kwezimali kulula kakhulu – usebenzisa uhlelo lokusebenza ku-smartphone. Ine-interface ecacile, elula kubo bobabili abaqalayo nabatshalizimali abanolwazi.
2. Isicelo esiku-inthanethi singagcwaliswa emizuzwini embalwa. Omele ibhange uzofika nemibhalo edingekayo ngesikhathi nendawo ekahle. Umnikazi wekhadi le-Tinkoff-Bank angasayina amadokhumenti ngekhodi ye-SMS, ngemva kwalokho i-akhawunti izovulwa ngokushesha. I-IIS izovulwa ngosuku olulandelayo lokusebenza uma isicelo sishiywe ngemva kuka-19:00 isikhathi saseMoscow noma esitokofeleni ngosuku lokuphumula.
3. Ungatshala ngisho nama-ruble ayi-10 ku-akhawunti yakho. Lezi yizindleko zesabelo esisodwa sezimali ze-Eternal Portfolio ezivela enkampanini yabaphathi i-Tinkoff Capital. Intengo yamabhondi amaningi ingama-ruble ayi-1000.
4. Ingxenye ethi “Ongakuthenga” iqukethe ukukhethwa kwezimpahla nolwazi mayelana nezinkampani ezikhanga kakhulu. Umtshali-zimali ngeke alahlekelwe ngokukhetha amasheya.
5. I-Tinkoff Investments inikeza izinhlobonhlobo zamasheya namabhondi avela ezinkampanini zaseRussia nezangaphandle. Abasebenzisi besevisi bangatshala izimali ezinkulu zomhlaba ezingu-8.
6. Nganoma yiluphi usuku lweviki, ungathola ukwesekwa ku-akhawunti yakho yomuntu siqu noma engxoxweni yohlelo lokusebenza.

[i-id yamagama-ncazo = “okunamathiselwe_11740″ align=”aligncenter” wide=”836″]
Isibonelo sokutshala imali ku-Tinkoff IIS, isibali ku-https://www.tinkoff.ru/invest/iis/[/caption]

Amakhomishini nezintela ku-IIS Tinkoff Investments

Kunezintela ezimbili ze-IIS Tinkoff. Uma umsebenzisi engavamile ukuhwebelana emakethe yezibambiso, intela yabatshalizimali iyamfanele. Ikhokhisa ikhomishini kuphela lapho iphetha ukuthengiselana, futhi ifika ku-0.3%. Kulabo abasebenza ngokusemthethweni ekutshalweni kwezimali, intela ye-Trader ifanelekile. [i-id yamagama-ncazo = “okunamathiselwe_11743″ align=”aligncenter” wide=”956″]
Izinkokhelo T. Investments[/caption] Isixhumanisi semalifu: https://www.tinkoff.ru/invest/tariffs/ Ikhomishana yokwenziwe ngu-0, 04 %, kodwa imali yanyanga zonke yama-ruble angu-290 ikhokhiswa. Inkokhelo yanyanga zonke ayidonswa ngezinyanga lapho umhwebi engayisebenzisi i-akhawunti. [i-id yamagama-ncazo = “okunamathiselwe_11735″ align=”aligncenter” width=”1024″]
Izinkokhelo zingatholwa ngesicelo se-IIS Tinkoff Investments[/caption]

Uyini umehluko phakathi kwe-akhawunti ye-brokerage ne-IIS Tinkoff?

Isakhamuzi singavula i-akhawunti eyodwa kuphela, kuyilapho kungaba khona ama-brokerage amaningana. Ngosizo lwe-IIS, ungathola imali ebanjwayo enteleni emalini ekhokhwayo kanye nasemalini engenayo. I-IIS ikuvumela ukuthi uthole imali engenayo eqinisekisiwe ngokubanjwa kwentela. Ingxenye yentela yomuntu siqu ekhokhelwayo ibuyiselwa ngendlela yenani elingafika kuma-ruble angama-52,000. Kuyenzeka futhi ukuthi kungabandakanywa ukukhokhwa kwentela ka-13% emalini engenayo emalini ekhokhwayo. Intela yokwenziwayo ayibalwa minyaka yonke, kodwa kuphela uma i-IIS ivaliwe.

Ngingayithola kuphi i-akhawunti yokutshala imali yakwa-Tinkoff?

Ungathola lonke ulwazi oludingekayo, futhi uvule i-Tinkoff IIS, kusixhumanisi https://www.tinkoff.ru/invest/iis/

Yibuphi ububi be-akhawunti yotshalomali yomuntu ngamunye

Isikhathi esincane sokuba khona kwe-IIS iminyaka emi-3, kuyilapho kunqatshelwe ukukhipha izimali ngaphambi kokuphela kwalesi sikhathi. Uma kungenjalo, i-akhawunti izovalwa ngokuzenzakalelayo futhi umsebenzisi uzolahlekelwa ilungelo lokubanjwa kwentela. Nakuba kungenzeka ukuthenga imali yangaphandle ngosizo lwe-IIS, i-akhawunti ingagcwaliswa kuphela ngama-ruble aseRussia. Inani eliphakeme lokugcwaliswa kabusha lingama-ruble ayi-1,000,000 ngonyaka. Lo mkhawulo ubuyekezwa ngoJanuwari 1 wonyaka ngamunye.

Kungani i-IIS idingeka?

I-akhawunti yotshalomali ngayinye yi-akhawunti yokuhweba ngokushintshana ngohlelo lwentela olukhethwayo. Njenge-akhawunti ye-brokerage, ngosizo lwe-IIS ungathenga futhi udayise izimali, amasheya namabhondi.

Izibuyekezo mayelana nokutshala imali ku-IIS Tinkoff

Benginokungabaza mayelana nezinhlelo zokusebenza zokuhweba ngamasheya. Kodwa lapho ngizama i-Tinkoff Investments, ngajabula ngokusebenza kanye nokuba lula. Kuhlelo lokusebenza, ungabona ukubuka konke kanye nezinkomba zempahla entsha. Uhlelo lokusebenza luzinzile, lushintshela ngokushesha kumaseva wamahhala. Imali ifakwa phakathi namaminithi ohambo oluya ku-ATM yaseTinkoff. Ngincoma uhlelo lokusebenza kuwo wonke umuntu.

Lena ukuphela okuphezulu kanye nesicelo. Nakuba impendulo yengxoxo ingasheshi kangako, kodwa ijubane ekutshalweni kwezimali libalulekile. Esisebenzini sikahulumeni, isitifiketi sesitatimende sithatha isikhathi eside kakhulu.

Kuwebhusayithi ye-banki.ru kukhona ukubuyekezwa okuvela kumtshali-zimali otshela indaba yokuhoxiswa kwezimali ku-akhawunti. Wathola idili elingcono, ngakho wanquma ukuvala i-akhawunti.
Ngo-Okthoba 31, 2019, wathengisa zonke izimpahla ku-akhawunti futhi wakhipha imali. NgoNovemba 5, wafaka isicelo sokuvala i-akhawunti ngengxoxo yokusekela, lapho umphathi waphendula ngokuthi i-akhawunti izovalwa zingakapheli izinsuku ezingu-30.
NgoNovemba 7, umtshali-zimali wavula enye i-IIA, ngenkathi eqinisekisa ukuthi usenayo i-akhawunti efanayo, okufanele ivalwe zingakapheli izinsuku ezingu-30. Ngomhla ziyisi-6 kuZibandlela, iTinkoff-Bank yathumela umlayezo kumtshali-zimali othi kwakungeke kwenzeke ukuvala i-akhawunti.
Ngemva kokuqaphela lo mlayezo ngoDisemba 16, umsebenzisi uzame ukuthola ukuthi kungani kungenakwenzeka ukuvala i-akhawunti. Akazange ayithole impendulo ecacile.
Ngenxa yalokhu kungafaneleki, kusukela ngomhla ka-16 Disemba 2019, umtshali-zimali usengozini yokungazitholi izinzuzo zentela zika-2019. Usenama-akhawunti amabili: e-Tinkoff-Bank kanye nomthengisi omusha.
Umsebenzisi we-akhawunti uxwayisa abanye abangaba abatshalizimali ngokumelene nokusebenzisa le sevisi.IIS Tinkoff Investments – imiphumela yokutshalwa kwezimali kumasheya izinyanga eziyi-10, ulwazi olusebenzayo – ukubuyekezwa kwevidiyo: https://youtu.be/d2jUT4Laga4 Futhi, irobhothi lokuhweba nge-algorithmic liyatholakala ukuze lihwetshwe ku-Tinkoff Investments: https://articles.opexflow .com/trading- bots/tinkoff-investicii.htm I-akhawunti Yokutshalwa Kwezimali Yomuntu Ngayo inikeza ukudonswa kwentela kodwa inemikhawulo yokusetshenziswa ebalulekile. I-Tinkoff-Bank inikeza izimo ezivumayo zokutshala imali ku-IIS. Nakuba abatshalizimali abaningi bebheka i-Tinkoff Investments kahle, kukhona nokushiyeka kwesevisi.