You can now register an IIS in Sberbank Asset Management online. We study where to open an individual investment account: we consider brokers and management companies Where to open an iis

To answer the question of where is it better to open an individual investment account (IIA), it is necessary to take into account at once a set of important factors. Today in Russia there are a lot of positively proven companies providing services of this nature.

IIS is a lot like a regular brokerage account. From the name it is clear that it is intended for investing and increasing its own funds. The main difference from a regular brokerage account is the possibility of obtaining a tax deduction, which significantly increases the profitability of such investments.

The opening of IIS is available to a wide range of people. It is not at all necessary to have Russian citizenship. The service is available even to non-residents of the Russian Federation. In general, there are two types of IIS:

1. IIS with tax compensation... The principle of operation is that every year a person compensates 13% of his earnings, provided that such an amount was used to open an account. Additionally, there are restrictions on the amount of the deduction - 400,000 rubles per year. In general, this kind investment account can be replenished by no more than 1 million rubles per year.
2. IIS with tax exemption... In this case, we are not talking about a tax deduction - the investor refuses to receive it, so as not to pay income tax later. This is a great option for those who frequently reinvest their investments.

It is impossible to choose the type of investment account that is optimal for all people - it all depends on the style of work, the regularity of investments, the volume of investments. If we are talking about active investors who receive more than 100% of the profit, then the second option becomes more profitable.

Where can I open an IIS?

A person who has not previously invested his own funds may not know where it is better to turn to open an IIS. Such services today provide:

• brokers;
• banks (subject to a license to conduct brokerage activities);
• management companies.

For those who have already accumulated a sufficient amount of savings, the Criminal Code is suitable. Due to the availability of their own specialists, the riskiness of investments is significantly reduced, but the investor himself has less freedom. You can turn to brokers even without having money - investments can be postponed until later.

Many investors use the services of brokers, and they usually prefer reliable and proven companies such as Otkritie, Finam, Alfa Capital.

How to choose the right broker

Newbies, wishing to start actively investing, are looking for a reliable company. They often do not know how to choose a broker to open IIS. When searching, it is necessary to take into account immediately a set of parameters:

1. Limit on the amount of the minimum contribution... Here you need to proceed from the amount of funds available to the future investor. If there is very little money to start, then it makes no sense to go to companies where contributions are a lump sum.
2. Account opening options... It's good if the broker allows you to do this online without leaving your home. If such a service is not provided by a specific company, and there is no office in the desired city, then it will not work to open an IIS here.
3. Commission size and availability of additional payments... Brokers with minimal commissions are generally preferred. It is taken from the turn. Additionally, the client is charged a monthly fixed fee. Having the approximate investment amounts, you can always calculate which broker will be the least expensive.
4. Service level... For beginners, it is especially important that the broker helps him to solve the difficulties that arise. Therefore, technical support should not only be friendly, but also investment-savvy. From this point of view, BCS stands out among all brokers - the service here is very fast and high-quality, and the employees are fluent in terminology and understand investment strategies.
5. Conditions and products... It all depends on the policy of a particular broker. Some of them offer more favorable conditions for small investors, while others try to attract large investors by offering them discounts and various bonuses. Large well-known brokers are more inclined to the second strategy, only the minimum limits for obtaining privileges are different for them (somewhere it is 50,000 rubles, and somewhere 300,000 rubles).
6. Market availability... If the broker is as open as possible, then he has no restrictions. There are also companies that do not work with certain types of markets, that is, the investor will not be able to invest in them.

When comparing brokers, it is necessary to take into account the opinion of their clients. A large number of positive reviews confirms the quality level of service and reliability.

Conditions for opening IIS with brokers

It is better for a novice investor to choose a large and reliable company as a broker. A trusted mentor will help you understand the intricacies of the business.

Finam is one of the largest and most famous brokers. A plus for a beginner is the ability to invest large amount - from 5,000 rubles. However, to unblock trading operations, you will have to top up your account up to 30,000 rubles. This amount is not so big for beginners, but it will make you feel like an investor. Of the advantages of the broker, it can also be noted:

• online account opening;
• a wide range of actions - work on the stock, currency and derivatives markets is available, as well as trading on the Moscow and St. Petersburg stock exchanges;
• the ability to calculate in advance the approximate profitability directly on the site using an online calculator (and it also immediately shows which will be more profitable - getting a deduction or exemption from taxes).

The commission for investors with a turnover of less than 1 million rubles is 0.0354%. For the convenience of beginners, an auto-follow strategy is also provided, which allows you to generate income by duplicating the actions of experienced market players.

By the way, the broker also has its own management company - Finam management. With it, you can start investing with 300,000 rubles. Moreover, funds are credited without commission, and the deduction is 10%. An additional opportunity is to close an account ahead of time without penalties and interest.

BCS

BCS is another large and well-known Russian broker. The lower threshold for entering the exchange is 300,000 rubles. Here, the investor also has access to the stock, currency and derivatives markets, but they will have to trade on the Moscow Exchange, since there is no access to the St. Petersburg Exchange. But you can open an account here without leaving your home.

The broker's commission depends on the turnover volume. So, for small investors with a turnover of up to 1 million rubles, it is 0.0354. When this amount is increased, the commission is halved. In any case, a single commission per transaction starts at 35.4 rubles.

For clients who have just opened an IMS, in the first 30 days the commission is reduced to 0.0177% - this benefit is part of the customer acquisition strategy.

Clients are offered two ways: to conduct independent trading (with stocks, OFZs, bonds, currencies, futures and options) or use ready-made BCS solutions (the maximum yield varies from 9 to 14% per annum depending on the type of portfolio).

Opening

The main feature of the broker is the absence of minimum restrictions on the amount of investment. Opening an account gives you the opportunity to work on all 3 types of markets. The Moscow Exchange is available, but the St. Petersburg Exchange is not.

IIS commissions for those who invest on their own depend on the type of operations and investments. Values \u200b\u200brange from 0.015 to 0.057% by volume. In addition, a commission of 250 rubles is charged monthly for access to the working site if the account balance is less than 50,000 rubles.

For beginners who are not versed in investments, but who want to make money on this, there is a Model Portfolio. Otkrytie also has a management company. Work will require at least 50,000 rubles. The commission is 15% of income.

VTB

VTB Group is engaged in a wide range of services, including working as a broker. Reliability is the main advantage of the company. However, it has a number of serious shortcomings:

1. you cannot trade on the foreign exchange market, Moscow and St. Petersburg stock exchanges;
2. you cannot open an account remotely - only visit the office.

Account maintenance fees depend on the turnover - the more turnover, the more favorable conditions... For those whose turnover is less than 1 million rubles, the commission is 0.0472%. The minimum is available to persons with a turnover of more than 10 million rubles - 0.02124%.

For beginners, there is a special program with a fixed commission of 0.0413%. Additionally, they can use the auto-follow strategy.

When choosing Alfa Capital as a broker, you will have to work through a management company. By the way, it is this company that is the leader in the number of opened IMS. The money and the investors themselves trust her (the portfolio in this area is also the largest on the market).

Online account opening is available here. Moreover, you can work with a broker by making even 10,000 rubles. The company offers 3 robust strategies involving OFZs, stocks and corporate bonds. Alfa Capital has been working in this direction for the third year already and shows excellent results.

In terms of costs, the conditions are not the most attractive. But if you consider that investments are managed by reliable market participants who know where to invest money in order to obtain the maximum return, then 4% does not seem so great.

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For many people of the Russian Federation living in the provinces, an important factor influencing the decision of the question "which broker to choose to open an IIS" will be physical reach factor broker's office.

And this negates any other criteria, because opening an IIS often requires a personal visit to the office, and not everyone can travel a day by train to the nearest large city, which has brokers for opening IIS. What to do in this case?

IIS brokers solve the accessibility problem in two ways:

• use a developed network of branches and branches
• use the procedure for remote opening of IIS via the Internet

Many brokers in bank holdings (“Bank Broker”), as a rule, have an extensive network of branches and branches in different regions. Such offices and branches are located mainly in regional centers.

And what about those who live "in the region"? And what if there are hundreds of kilometers to the regional center (for Siberia, such distances are in the order of things)?

The good news for such people is that some brokers have finally been able to implement a mechanism for opening IIS remotely via the Internet.

The client only needs to perform a few simple actions: send and receive documents by mail, and you can confirm your identity at a notary or through the State Services portal (Finam provides the opportunity to open an IIS even without an account on State Services and without a visit to the office).

Ways to open IIS via the Internet:

• The easiest way is to open online in Finam - without visiting the office and state. Services
• through State services
• through notarization of documents and sending them by mail

Personal identification through the "Gosuslugi" portal.

Brokers have implemented it in different ways, but the essence is the same - you must have a valid account on the "Gosuslugi" portal, and this account must have the "confirmed" status.

If there is no account on Public Services yet, then you need to understand that its creation and confirmation may take several weeks, so this the process must be started in advance.

Personal identification by a notary

With this option, identification of the person is made by a notary who certifies the documents. The amount of notary expenses can be 1000-2000 rubles. Then the documents are sent by mail to the broker, and he, in turn, then sends the client's copy of the set of documents.

Benefits of identification through "government services":

• It's free and convenient
• In the future, an account on "State Services" will be useful for creating a personal account on the website of the tax inspection, which will be needed for an inspection with an application for.

The list of brokers with whom you can remotely open IIS:

1. Finam - by the button, without a visit to the office and public services
2. BCS Company LLC (authorization through State Services, the account will be opened and valid, but if the investor wants to receive a “paper” version of the agreement, then a visit to the office or delivery by courier in Moscow, Novosibirsk, Yekaterinburg or St. Petersburg will be required)
3. ATON LLC (authorization through State services)
4. KIT Finance LLC (authorization through State services and accept notarized documents by mail)
5. OJSC "IC" IT Invest "(authorization through the State Services and accept notarized documents by mail)

The information is current for September 2016. Several more brokers announce the imminent implementation of the procedure for remote opening of IIS via the Internet (end of 2016 - first half of 2017):

1. PJSC "VTB 24"
2. LLC "ALOR +"
3. CJSC IFC "Solid"

As we can see, there is a choice, but the most important thing is that no matter what city we are in, we have the opportunity to open IIS.

Opening IIS through "State services":

Creating an account on public services

If you already have an account on "State Services" with the "confirmed" status, then you can skip this step and go directly to the step "opening IIS".

If there is no account, then below you will find instructions on how to register on the "State Services" portal.

There are two ways to do this:

• online registration with subsequent identity confirmation
• visit to one of the service centers

Online registration

Registration on the "Gosuslugi" portal consists of several stages.

On the main page of the gosuslugi.ru website, click the "Register" button:

Then, in the window that appears, enter the code from the SMS:

Then there is a proposal to create a password to access the account on "Gosuslug":

After creating a password, a page with a user profile will appear:

It is necessary to fill in all the fields: SNILS and the data of the identity document (Passport of a citizen of the Russian Federation, for foreign citizens - a document of a foreign state). The data are checked by the Federal Migration Service of the Russian Federation and the Pension Fund of the Russian Federation. A notification about the results of the check will be sent to the email address.

At this stage, the account gets the "Standard" status. It already allows you to use some services, but for our purposes of opening IIS, the account must have the "Confirmed" status.

Identity Verification - creating a Verified Account

To issue a Confirmed Account with full access to all electronic government services, you need to go through identity verification in one of the following ways:

• contact the Service Center
• receive an identity verification code by mail
• use the Enhanced Qualified Electronic Signature or the Universal Electronic Card (UEC).

Identity verification at the service center

In this case, you will need to come with an identity document to one of the service offices located nearby.

Proof of identity by mail

In this case, within 10-15 days, a letter comes with a confirmation code, which will then need to be entered on the "Gosuslugi" portal to confirm your identity.

A short and easy way to register on "Gosuslugi"

If the procedure described above seems complicated or a person is not quite a confident computer user, then you can use a simple way to register for "State Services" - immediately come to one of the service centers.

The nearest service center can be found by selecting "Register at a service center" on the registration start page below:

The browser may try to determine our location in order to find the nearest service centers for us. In this case, you need to give the browser permission like this:

A window with an interactive map will open, which will indicate all service centers available in our city:

It remains only to find out the opening hours of this center and go there with a passport.

IIS opening

If we are already registered on the "Gosuslugi" portal and our identity is identified by mail or at the service center, in this case, the status of the account on "Gosuslugi" will become "Confirmed". This is a prerequisite for opening IIS.

We go to the website of the broker, from whom we decided to remotely open IIS.

On the broker's website we find the button:

Click "open an account through State services". For each specific broker, this button and the invitation form may be different, we consider the procedure in general terms using several brokers as an example.

We fill out a mini online application:

We fill out an express form and click "Switch to public services" (the button may have different names).

Entrance to "Gosuslugi":

We enter our data from the site "Gosuslugi". You can enter a cell phone, or you can SNILS number.

We confirm the transfer of information to the broker:

To do this, click the "Provide" button.

Consent to electronic document management

You need to confirm that you agree to use electronic document management... On mobile phonespecified during registration on "State services" will receive a confirmation code in SMS. You must enter this code.

Formation of a package of documents for opening IIS

After entering the confirmation code, a package of documents for opening an IMS is formed. If you wish, you can save these documents to your computer.

Electronic signing of a package of documents

Receiving documents by mail

At this or the previous stage, an email may come from the broker with instructions on how to proceed. Or even the manager might call.

But even if this does not happen, after a while (1-2 weeks) documents from the broker with signatures and seals will come by mail.

Among other things, the broker will send you a sealed envelope with a login-password or pin-codes or other means of identification. From the moment of receiving the login and password, theoretically, it is already possible to deposit money and make transactions - this can be clarified with the broker.

Signing of documents

At this stage, you will need to sign paper documents and send them to the broker. The broker must have his own copy of the document.

Sending a copy of the documents to the broker

Sending documents to the broker by mail. This is already the second visit to the post office in the procedure for opening an IIS via the Internet (the first time a visit to the post office was needed in order to pick up correspondence from a broker). Nevertheless, it is much easier to get to the post office than to the broker's office, so we will consider these troubles as the lesser evil.

This completes the procedure for opening IIS through the "State Services". The next stage is depositing money for IIS and getting started.

These are the basic steps, the procedure may vary slightly from broker to broker. In particular, this procedure is described using the example of working with a broker OJSC “IC“ IT Invest ”.

Opening an IIS with a notary

If for some reason it is not possible to use the method with personal identification through the "Gosuslug" portal, you can use the option of sending documents by mail. Naturally, you need to check with the broker whether he works according to this scheme.

According to information as of September 2016, the following brokers have been checked, allowing you to open an account in this way:

• OJSC IC "IT Invest"
• LLC "KIT Finance"

Stages of remote opening of IIS with a notary:

1. A questionnaire is filled out on the broker's website, scanned copies are uploaded required documents (passport, TIN).
2. During a visit to a notary, you need to certify two documents: a passport (all pages) and any other document of your choice (for example, TIN). It costs 1000-2000 rubles.
3. Then you need to send the broker copies of documents certified by a notary. Upon receipt, the broker forms a package of documents and sends it to us by mail.
4. You need to come to the post office for a valuable letter from a broker - there will be all the documents for opening an IIS
5. Documents must be signed and a copy sent to the broker

As you can see, the procedure is not much more complicated, but it requires:

• 3 visits to the post office (instead of two in the version with "Gosuslugi")
• one visit to the notary
• payment for notary services

Based on this information, it is possible to estimate the approximate labor intensity and "troublesome" of each type of remote IIS opening via the Internet. Someone will find it more convenient (closer) to get to the notary than to start the procedure for creating an account on "Gosuslugi", which may take some time. To some, on the contrary, the option with identification through "Gosuslugi" will seem more convenient.

Be that as it may, the availability of opportunities to open IIS through the Internet significantly expands our capabilities and gives a chance to many more people to take advantage of this tax benefit.

As we said earlier, an account on the Public Services is very desirable, because further it will be useful for. This is perhaps the most important thing, for which it makes sense to create an account on the State Services for a person who is going to open an IIS.

Happy investment!

How and where is the best way to open an individual investment account (IIA) in 2019?

Many outstanding entrepreneurs have repeatedly spoken out about such a useful thing as long-term investments. For example, Warren Buffett, who heads Berkshire Hathaway, constantly talks about this in his regular letters to the company's shareholders. John Bogle, the legendary creator of the Vanguard Group, says the same thing.

For a layman, this is of significant importance, since he is especially at risk of losing funds on the exchange if he starts to engage in intraday transactions on it.

Russians have an excellent tool, which is an individual investment account. Such is placed with a brokerage service - which, in turn, helps an individual (subject to some restrictions on the part of the latter) to get serious profits due to tax benefits.

The domestic market first saw such a mechanism in 2015, the reason for this was the update of the legislation on the share market along with updates to Tax Code countries.

It is important to know about IIS

An account can only be created by a private trader, either with a brokerage company or directly with a bank. From the requirements - taxation on the territory of the Russian Federation (presence in the country from 183 days a year). Moreover, there is a rule: one account - one natural person.

Which brokerage company is the best to open an investment account with? Check out the rating of the best brokers in Russia in 2017.

The account itself is not limited in time, but in order for tax incentives to be applied, it is necessary to maintain a minimum investment period, the value of which is 3 years and which starts from the day of signing the agreement.

The account is allowed only in rubles, and within 12 months you can replenish it for an amount of not more than 1 million rubles, although until 06/18/17 the limit was 400 thousand rubles. It is not necessary to replenish IIS additionally annually. However, it is unacceptable to withdraw some of the funds back.

You should also remember about banking and brokerage fees for working with securities.

IIS tools

At the same time, any investment options are possible that are applicable to leading Russian trading platforms Moscow and St. Petersburg. It:

• shares of Russian and foreign companies;
• bonds of municipalities, corporations, sovereigns;
• currency;
• share of mutual funds;
• derivative methods (options, futures trading, etc.).

It should be noted that some brokers and banking institutions do not allow working with a number of instruments, issuers, etc. The full list of supported investment methods can be obtained from the broker.

IIS and tax deduction

The main advantage of the account is the return on part of the investment, which ultimately increases profitability. Moreover, there are 2 types of tax preferences for the owners of IIS.

Deduction for contribution

In this situation, an individual is provided with a 13% refund of the amount that was credited in the previous year, but its largest amount is limited to 130,000 rubles.

Important: a deduction is possible when the investor has declared profit for past period (i.e., there was a payment of tax), and the maximum refund cannot be more than the tax amount.

If less than 3 years have passed since the opening of the IIS, its replenishment, the submission of an application for a refund and its subsequent receipt, the law obliges the investor to return the funds to the state.

If the investor closes the account, then 13% tax will be withheld from the profit received.

Deduction on income

Such a deduction exempts an individual from taxation on personal income tax form from the sum of all incomes credited in the course of transactions on IMS. The law provides for the application of a deduction without compulsory possession of other taxable profits.

An individual can count on such a return only after 3 years from the date of creation of the IIS. If it is closed earlier than 3 years from the date of its formation, the state will withhold personal income tax in the amount of 13%, similar to the scheme for a brokerage account.

It is important to take into account all the nuances and details of investment when choosing the type of deduction, including the method of investment and tax rate at a profit. For example, personal income tax does not apply to payments on coupons and domestic government bonds. In the case of purchasing OFZ, for example, you can get a refund on the contribution.

Receiving tax deduction

If we are talking about a deduction for replenishment (contributions), the investor applies to the tax authority in the year following the one in which the replenishment was made. In this case, it is necessary to confirm the contributions with a 3-NDFL declaration, attaching the following documents to it:

• confirmation of receipt of last year's profit with a tax rate of 13% (for example, a certificate 2-NDFL from the organization in which the individual works);
• confirmation of the creation of an IIS and crediting funds to it (may be provided by a broker);
• application for a refund, for this you will need to indicate bank details.

If a deduction for income is meant, then an individual must, upon termination of the contract, give the bank or broker a certificate from the tax office about the absence of cases of receiving deductions for replenishment.

Thus, the bank (or the broker) will not be able to pay the money with the withholding of 13% personal income tax.

Many have heard about IIS. But mostly the information is very superficial. You need to invest money, buy something with it, and you can still get money from the state from this. And what, how and where is not clear. Is it reliable? Or another scam? How much can you earn on this and is it worth contacting IIS. In this article, we have collected the most popular questions about individual investment accounts.

What is IIS

IIS or individual investment account is a special brokerage account opened individuals, allowing you to get one of two possible tax benefits.

The program started working on January 1, 2015. According to the government, the main goal is to massively stimulate the population to invest. money in the stock market.

Tax incentives

IIS owners are provided with 2 types of accounts. Allowing you to claim only one tax credit.

1. Receiving a tax deduction of 13% of the amount deposited (but not more than 52 thousand per year).
2. Tax exemption on income earned from investment.

You have to choose one. The decision in favor of this or that can be made within 3 years.

The most attractive is the return of 13%. But in some cases,. To receive a deduction, you need to have official income from which taxes were paid.

After all, 13% is a refund of taxes paid by an individual.

How to get a tax deduction

If you choose a 13% refund, then the procedure for receiving money is as follows:

1. At the end of the reporting period (from next year after depositing funds into the account), you need to contact the tax office at your place of residence. By submitting a package of documents: an agreement for opening an IIS, an extract for crediting money to an IIS (you can print it from the personal account of the bank), a certificate of income 2-NDFL, an application for a refund of 13%.
2. The declaration is checked within 3 months (maximum period).
3. After verification, another 1 month is given to transfer funds to a bank account.
4. We receive money and are happy.

Much easier and faster to serve. Across personal Area taxpayer. Without visiting the tax office. The procedure for filling out the declaration itself takes just a couple of minutes.

IIS validity period

IIS opens for a period of 3 years. It is valid from the moment of the conclusion of the contract, and not the first deposit of funds into the account.

It is not prohibited by law to keep “empty” investment accounts. By the way, many do so. They conclude an agreement for the opening of IIS. They have been waiting for 3 years. And at the end of the end of the three-year period (1-2 weeks), money is deposited into the account.

At the end of the 3-year period, the money can be withdrawn immediately. And get tax deduction in the amount of 13% of the deposited amount.

What is the maximum and minimum amount of replenishment of the IIS

Restrictions on minimum amount as such, no. You can deposit at least a thousand, at least one ruble. Another thing is that you can hardly buy anything with little money. And deducting 13% from a couple of thousand deposited will be completely ridiculous.

The main thing is different - tariffs and terms of service for brokers. Many enter the minimum amount to service the account. Usually on the order of several tens of thousands of rubles (from 30-50 thousand).

You can replenish IIS for up to 1 million rubles per year. Total during the operation of the IIS - the maximum possible contribution - 3 million rubles.

But maximum size the deduction received is limited to RUB 52 thousand per year. Or 156 thousand for three years.

It is impractical to top up with a larger amount than 400 thousand (if you have chosen the IIS of the first type).

How to open IIS

To open an investment account, you need to contact a broker and conclude a brokerage agreement with him. The procedure itself resembles opening a bank deposit. You will need a passport, snls and TIN number.

The list of brokers providing IMS opening services is presented on the Moscow Exchange website.

Almost all top brokers allow you to open accounts online without visiting the office.

For example,

• Zerich.

How long can you open IIS

One person can only open one account.

But you can open accounts for other people (relatives, friends) who do not plan to participate in the tax deduction program. Rather, they open accounts, and you deposit your own money. And you get the statutory 13%. Perhaps share some of the money with them "for the inconvenience."

What can be bought on IIS

The following securities are available for investors who have opened an account:

• shares of Russian companies;
• debt securities: federal loan bonds (OFZ), municipal and corporate bonds;

Is it possible to buy currency on the IIS?

All securities traded on the Moscow Exchange are available for purchase on the IIA. And currency as well.

Is it possible to withdraw money early

In principle, there are no restrictions for withdrawal. You can sell securities and withdraw money at any time.

But according to the law, with a full or partial withdrawal of funds, the owner of an investment account loses the right to receive tax benefits.

And if the tax deduction for previous years has already been received earlier, then this amount will need to be returned to the budget.

How much can you earn?

Depending on which financial instruments you will be investing money.

If these are promotions, then the run-up is large enough. In 3 years, you can both earn (20, 30 and even 100%) and lose. Nobody will give any guarantees here.

For beginners, it is better to buy fixed income securities - bonds.

First of all, pay attention to the most reliable - federal loan bonds.

At the moment, you can get a yield of around 8% per annum. Summing up with a return of 13%, we get a return of about 21% for the first year.

If you contribute 100 thousand every year to the IIS, you will be able to earn 87 thousand rubles in 3 years. This is no reinvestment. That is, you will spend all the profit you receive.

If on the received deduction and buy more OFZ - total profit grows to about 100 thousand rubles.

The average annual profitability of the owner of the IIA is 15% per annum.

Compare this to bank deposits. And make a conclusion.

Is it reliable?

The opening of IIS is associated with investments in stock market... Securities traded on the stock exchange have varying degrees of reliability.

If we talk about stocks, then you can not only earn nothing, but even lose. Therefore, we pass by.

Bonds are a fixed income instrument. The most reliable bonds are OFZ. The state is responsible for the obligations. The best option is to invest in government bonds for the duration of the IIA.

Are the accounts insured, likewise bank deposits? What will happen to my money if the broker goes bankrupt.

No, they are not insured. Here is a slightly different scheme. The assets purchased by the investor are not kept by the broker, but in. It used to be that all shares and other securities were in paper form. Now all data on the owners and turnover of securities are stored in the depository (special server).

And even if the broker suddenly closed - the right to own shares, bonds will be available. You just need to switch to another broker.

By the way, the situation with brokers on the Russian market is stable. Requirements for brokers were tightened several years ago. And their number has decreased several times. All sorts of small "sharashkin offices" left the market and only the largest and most reliable remained.

What is better IIS or mutual fund

They also allow you to invest money in the stock market. And earn accordingly.

The main advantage of a mutual fund over IIA is the ability to withdraw money at any time.

Otherwise, the mutual fund outright loses to investment accounts:

1. You cannot receive an additional 13% as a deduction.
2. The purchase of securities is limited by the strategy of the mutual fund. That is, if you choose a stock fund, then only stocks will be in the portfolio. If you need bonds, you need to buy shares of another fund. Of course there are mixed funds buying both stocks and bonds. But there are not many of them. Typically, the management company invests money only in a certain direction.
3. The main disadvantage of mutual funds is high trading costs. Shareholders are forced to pay a certain percentage every year. Whether the profit is made or not.

Why is it not profitable to invest through mutual funds?

Usually the fund takes from its shareholders an average of 3-4% of the amount of assets in the account. Annually. Add to this the fees for buying (1-2%) and selling (0.5-1%) shares.

Commissions on IIS are much more modest:

• depository fee - approximately 100 rubles per year;
• exchange commission - 0.01% of the transaction amount;
• broker commission - on average 0.05%.

For example. They contributed 400 thousand rubles to the IIS. And they bought bonds with all the money. The total costs will be a little less than 300 rubles. When selling after 3 years, pay how much.

In total, all your expenses will be 600 rubles per transaction + 300 rubles per depository (100 rubles each for 3 years).

IIS expenses - 900 rubles for 3 years.

When investing for the same amount and term through a mutual fund, you will immediately pay 400 rubles just for the purchase. And for 3 years of ownership, it will leave in the form of commissions 9-12% of the amount on the account or 3,600-4,800.

Total expenses in mutual funds - 4,000 - 5,200 rubles.

How does an IIS differ from a regular brokerage account?

As with mutual funds, money can be withdrawn from a regular brokerage account at any time. But it is not subject to tax benefits inherent in IIA.

Otherwise, there are no differences. The same broker has identical tariffs and conditions between IIS and a regular brokerage account.

Is it worth opening IIS

1. If you have extra money you are willing to invest.
2. You know for sure that you will not touch money for 3 years.
3. Do you want to receive a guaranteed increased income from investments (1.5 - 2 times higher than the rates on bank deposits).

If the answer to all the points is “yes”, then it is probably worth opening an investment account.

For example. At the moment, deposits with Sberbank give about 4-4.5% per annum. Buying bonds with a fixed yield (even the same Sberbank) will allow you to make a profit of 1.5-1.8 times more. Plus 13% as a deduction.

In total, for the first year, you can get at least 20% per annum.