Raiffeisen Bank mutual funds. Review of mutual funds and bonds of Raiffeisenbank: dynamics and profitability
In a mutual fund, the funds of a group of private investors are pooled, which are subsequently managed by a professional manager. While ordinary investors are banks, insurance companies and similar organizations. They have at their disposal an amount of funds that is inaccessible to a private person, thanks to a mutual fund, for example, Raiffeisenbank, each person has the opportunity to invest their funds and get more from them than if, for example, they simply put money in the bank.
At the same time, investors receive a number of advantages of a professional investor:
- risk reduction by expanding the number of possible investment instruments;
- investment management is carried out by a team of professionals;
- a significant reduction in the amount of effort and time spent on optimizing personal finances;
- reduction of investment costs.
The success of investments is in the interests of both the shareholders and the management team, which is why the operating principle is called trust management.
Thereby:
- the management team acts on behalf of shareholders in their interests;
- the rules of the fund determine the terms of the trust management agreement;
- a security called an investment share confirms the shareholder's right to his share.
How to become a shareholder
You can purchase a share at any Raiffeisenbank branch. To do this, you only need a passport and a small amount of time. Sales are made every working day.
For initial purchase you need:
- fill out a form to open a personal account;
- fill out an application to purchase an investment share;
- deposit a certain amount into a stock account.
One application will be enough for more than one time - to re-purchase, you need to transfer money to the mutual fund account or make a purchase through the Raiffeisen CONNECT online banking system.
The first investment must be received in the amount of at least 50,000 rubles, repeated investments - 10,000 rubles. The cost of one share in the Raiffeisenbank mutual fund varies from one to another and at the moment can range from 5 to 40 thousand rubles.
Mutual funds are divided into three different types: open, interval, closed.
Open:
- operations with shares are carried out on any working day;
- The value of the investment share is redefined daily.
Interval:
- transactions with shares occur at equal periods of time as specified in the Fund Rules;
- the value of the investment share is assessed monthly and at the end of the application period;
Closed:
- distribution of shares occurs upon creation;
- in the future, decisions on transactions with shares take place only at a general meeting of shareholders.
Mutual funds managed by Raiffeisen Capital Management LLC belong to the following categories: stocks, bonds, mixed investments, index, commodity market. By type of asset management, Raiffeisenbank mutual funds are classified as open funds.
Investors are offered a large number of alternative solutions, divided into groups according to the types of assets in which investments are made. The levels of security of funds and profitability of the Raiffeisenbank Mutual Fund vary, so any investor can choose an option based on reviews of the Raiffeisenbank Mutual Fund and meeting his expectations. There are five fund groups in total:
- shares of Russian companies;
- shares of foreign companies;
- balanced;
- bonds;
- commodity markets.
Shares of Russian companies
- "Consumer sector";
- "Commodity sector";
- "Industrial";
- "Electric power";
- "Stock";
- "MICEX Blue Chips Index".
They operate with assets located in the Russian Federation. On average, investments in them are recommended for two years and are characterized by a high level of profitability. The downside is that being connected to the economy of one country entails certain risks if negative trends arise in it.
Shares of foreign companies
These include:
- "Active management";
- "USA";
- "Developing markets";
- "Europe";
- "Information Technology".
They can be aimed both at the prospects of the global economy and certain regions. They generate income with low risks due to maximum diversification of assets and investment of assets in countries with stable economies. Investments are made in foreign currency, so if the exchange rate jumps, additional profitability is possible.
Balanced
>This is the best choice for those who prefer stable and extremely predictable income. The portfolio of assets includes the most liquid securities of both Russian and foreign companies in a wide variety of industries, countries with developed and developing economies.
Bonds
Presented here:
- “Debt markets of developed countries”;
- "Bonds";
- "Corporate bonds";
This group is suitable for investors prone to conservative financial instruments. These mutual funds provide moderate income (at the same time higher than the average income on deposits in the same currency in other Russian banks) with low risks.
Commodity markets
- "Gold";
- "Precious metals".
The assets are gold, platinum and palladium. In the Raiffeisenbank mutual fund, the dynamics correspond in the medium and long term to the dynamics of the price of precious metals. Since the price of metals is determined in the United States, additional profitability is also possible when the exchange rate changes.
Thus, Raiffeisenbank mutual funds are attractive to citizens, combining good returns with low risks. It is not surprising that recently more and more investors are choosing them to save and increase their savings. Additional information can be found on the official website http://old.raiffeisen-capital.ru or in the personal account section.
It has become fashionable to play on the stock exchange: there is an opinion that the key word is not “stock exchange”, but “play”. But winning in a game is not only a matter of luck, but also of preparation, strategy, and knowledge of information. What do you need to know when starting to trade on the stock exchange?
It is hardly worth talking at length about the importance of mastering key terms, as well as the professional jargon of stockbrokers. Take the time to study the operating principles of the exchange you want to play on, and don’t feel ashamed of turning to a trading guru if you don’t understand something. Experienced traders advise not to over-emphasize quotes and prices and not to consider the current trend unchanged. Many beginners, when they see a pleasantly upward curve of quotes, begin to calculate how much they will earn on such and such a day, a month, and almost a year.
But this is on paper; in life, everything is far from being so certain and rosy. Experts warn that most failures when playing on the stock exchange are a consequence of a lack of knowledge and experience. Thus, novice traders are unable to correctly calculate the result of a particular transaction, do not take into account many pitfalls, and when calculating losses, do not take into account the broker’s commission or calculate the commission based on the transaction amount rather than profit.
Master the details
At the start of their training, novice traders must master trading techniques - as a test, you can bargain, for example, with your broker. At this stage, novice players must learn to negotiate minimum commissions for themselves, convincing the broker that he can get much more by constantly working with the client (newbie). The fact is that constant profit is a less risky, stable source, which makes sense to secure in any case: for one-time commissions (even very high ones), a broker can lose a client for the banal reason of this client leaving the game.
Let's train our hand
Almost every novice trader clings to the saying “beginner’s luck,” forgetting that the stock exchange game is more like chess than cards. Therefore, the first piece of advice: do not rush to risk real money!
“Shooting” on the virtual exchange will help you avoid serious losses and negative experiences. By playing on it, you will be able to better understand the rules of exchange transactions, get an insight into the specifics of this game, and formulate key rules for conducting transactions without risk (or at least minimize this risk). In addition, trading on the stock exchange with candy wrappers provides the opportunity to get advice from experienced brokers. Having gained such valuable experience (and some advice from professionals), you can minimize the risk of losing real money, which (remember this!) is very high for beginners.
Be prepared for mistakes
Unfortunately, even the most seasoned players did not escape this stage when they were beginners. Errors accumulated, failures multiplied, the trader became nervous and worsened his situation even more, from a stock speculator he was forced to “retrain” into an investor - and as a result he received the very first margin call in his career. There is no need to be afraid of this - with a cool head and sober calculations, you should continue the game, drawing conclusions from the mistakes made. How not to repeat them? Be sure to keep a “trader’s diary”: you should write down the results of each transaction, as well as its plan, worked out to the smallest detail. To stop your losses, set stops (sometimes it’s better to do this ahead of time so that it’s not too late) and under no circumstances remove them. From each triggered stop, draw detailed conclusions about the behavior of the market - remembering that all successful traders learned not by making a profit, but by making mistakes.
As you gain experience, you will form a personal strategy - there is no doubt that you will not really want to share the most valuable experience on which it will be built. That is why it is impossible to find universal guru advice for all difficult cases of stock exchange life in the public domain. Of course, you can and should turn to professional colleagues, even when you have already accumulated solid experience: trading on the stock exchange is not based on blindly following the rules given in books on economics and articles on trading.
Universal Trader Rules
There is no “golden key” that will open the door to the world of super-profits, just as there is no absolute truth in the world of quotes and trading. The stock exchange is an extremely changeable and dynamic environment, which also evolves naturally - all the strategies and developments that brought fabulous profits yesterday are now becoming ineffective, if not downright dangerous. But still, there are several universal rules that a successful trader must adhere to. They are especially important for beginners!
1. Carefully study the market and the behavior of its key players, as well as the political situation.
2. Thoroughly plan every deal - even those that seem not very significant. Work out the smallest details, prepare backup plans.
3. Remain optimistic even in cases of serious losses.
4. Maintain composure in any situation. Be patient and persistent, do not take hasty steps.
5. Set yourself achievable goals. Having achieved it, complicate the task - raise the level of your goals.
6. Buy against bad news, sell against good news. At the same time, do not be afraid to buy at high prices and sell at low prices.
7. Do not take loans under any circumstances! For trading on the stock exchange - only personal funds.
8. Stick to 2% of the amount of available capital. This value of the acceptable degree of risk is calculated by experts. Going beyond it threatens to turn a reasonable business risk into a blind game of chance.
9. In a sluggish market, take a wait-and-see approach - and only react to a strong, clear signal. Don't try to guess the top and bottom of the market: it's useless.
10. Do not trust trading robots that promise sky-high profits at lightning speed...
...and never blindly accept advice that has not been verified by practical experience.
Have a successful start!
Raiffeisen - Capital is one of the largest management companies of open-end and interval mutual funds in Russia, which occupies about 12% of the market. The company offers investors about two dozen open mutual funds.
Fund overview
Raiffeisen-Shares offers investing money in shares of leading Russian companies that determine the economic development of the country.
“Bonds” are essentially the purchase of a debt instrument that will generate income slightly higher than a bank deposit. But at the same time, the investor takes less risk compared to purchasing shares, the profitability of which depends on many factors.
“Balanced” successfully combines investing in stocks and bonds, the share of which is determined by trends in the economic market.
The USA Fund, by and large, is an investment in the development of the economy of the United States of America. Today it is the most developed country in the world.
“Commodity Sector” offers investment of funds in leading companies extracting and refining oil and gas, engaged in metallurgy and mineral fertilizers.
“Information Technologies” offers shares of telecommunications companies (mobile communications, television, etc.).
Elektroenerget represents a portfolio of shares of leading companies engaged in the production, transportation and sale of electricity.
“MICEX Blue Chip Index” is a fund that combines shares of companies from leading sectors of the economy and follows the dynamics of the “index,” which allows the shareholder to passively manage his investments.
The Industrial Fund includes a block of shares in metallurgical, construction, engineering companies, as well as chemical industry enterprises.
"Emerging Markets" provides an opportunity to purchase shares of the largest companies in various countries with highly developed economies.
“Europe” follows the dynamics of the MSCI EMU index, shares of the largest companies in Europe that are part of the Economic and Monetary Union.
“Gold” allows you to protect and increase your capital during a period of falling Russian ruble against the leading currencies of the world.
“Treasury” involves investing your own funds in corporate bonds, deposits and government securities.
The Active Management Fund is a fund of shares of the world's largest companies in various manufacturing sectors.
“Eurobonds” involves the purchase of government and corporate Eurobonds with the opportunity to obtain a return slightly higher than from foreign currency deposits.
The “Second Tier Stock Fund” involves investing in small, little-known companies with very high potential.
Today Raiffeisenbank offers one interval mutual fund - the Raiffeisen-Precious Metals Fund, which allows you to protect capital and obtain high returns in the long term.
Dynamics of growth in share value and NAV
Raiffeisen - Shares. Throughout 2013, the dynamics of growth in the value of shares demonstrated quite decent results. But since the beginning of 2014, the share price has been steadily declining for four months. In May 2014, the growth curve finally began to climb steadily upward. Thus, over the period of 2013, the growth of the share was 18.10%. Since the beginning of 2014, growth has fallen to -9.70%, but in May there is an increase of 13.60%. In June, the positive dynamics of share price growth continues to develop.
The Bond fund is not the best market to invest in if you are looking for high returns. On the other hand, here the investor bears minimal risks. Activity in this market is minimal, however, since the beginning of 2014, positive dynamics have been observed, and analysts see no reason to reduce the value of shares and NAV.
"Balanced". In 2013, the dynamics of growth in the value of the share and NAV behaved stably and evenly, the growth of the share in 2013 was 16.50%. Since the beginning of 2014, the dynamics of the share price fell to -6.9%. However, already in the month of May, the cost of stocks and bonds increased sharply, and the increase in just one month was 10%.
"Consumer". Throughout 2013, the dynamics of growth in the value of shares showed very good results. Thus, for 2013 the increase was 33.60%. After a sharp collapse in the value of the share in January and then in March 2014, it is gradually gaining momentum, but the growth rates are still with a minus sign, namely -8.40% since the beginning of 2014. In May 2014, the increase was 11.60%
"Commodity sector". Things are also not very good, the value of the share is slowly but surely moving up, its growth is 5.80% in May of this year, since the beginning of 2014 the increase has been 4.40%, which is 0.60% higher than the figures for 2013 of the year.
The indicators of Raiffeisen - Information Technologies have been steadily rising since April 2014, with an increase of 7.70% in May alone.
Thanks to contracts with Chinese companies, all securities in the Raiffeisen Electric Power portfolio grew significantly, which made it possible to reduce the negative growth result to -4.60% at the beginning of 2014, from -43.30 at the end of 2013.
"Industrial" also shows positive growth dynamics. At the end of 2013, share growth showed a negative result of -17.2%. Thanks to good growth dynamics since the beginning of 2014, by May this figure dropped to -0.20%.
The Emerging Markets Fund is showing excellent results. All indicators are rapidly rising and amounted to an increase of 7.40% since the beginning of 2014.
The growth in the value of NAV and shares of the open-ended mutual fund Raiffeisen-Europe has also been steadily rising since the beginning of 2014.
The precious metals market has been going through hard times in recent years; the price of gold and other precious metals is constantly declining. Therefore, now you should not invest your funds in Raiffeisen - Gold and other funds.
“Treasury” is developing unstably with a fairly large amplitude of fluctuations in the value of the share and NAV in the last two years. But government shares of high liquidity are located here, so this fund is one of the most protected with minimal risks.
The NAV value of the Raiffeisen Active Management Fund has increased by almost 590% since April 2013, the value of the unit by 19%, and the growth dynamics continue.
The dynamics of the NAV value and share of the Raiffeisen Mutual Fund - Eurobond also shows consistently positive growth.
So, having analyzed the dynamics of the value of all Raiffeisenbank mutual funds, we see that the best results were shown by Raiffeisen - Active Management Fund, Raiffeisen - Commodity Market and Raiffeisen-Europe. The worst indicators are demonstrated by Raiffeisen-Gold and Raiffeisen-Electricity.
In general, Raiffeisenbank demonstrates the positive development of mutual funds, so if you have funds and are ready to invest them in the developing spectrum of the economy, buy shares of Raiffeisen - Capital.
You can purchase shares of Raiffeisenbank Mutual Fund at the management office's application points, namely from agents or at bank offices, the addresses of which are listed on the official website of Raiffeisen - Capital.
Due to the constantly changing economic situation, many active citizens want not only to preserve their savings through deposit instruments, but also to increase them.
- Surveillance and control
The management company independently manages the portfolio, analyzes the market situation, and also conducts transactions for the purchase and sale of assets, in accordance with the developed strategy. The main task of the company is to ensure stable growth in the value of the share.
- Generating income
When the price of the share rises to a certain amount, you can sell it, thereby making your profit from the difference.
Investor intervention is minimal.
Remember that no one can guarantee constant growth. The cost may decrease as dynamics are subject to market fluctuations.
What influences the risks and how to mitigate them?
If you pay attention to the graphs, the differences are noticeable with the naked eye. For some funds, the value changes significantly in a short period of time, while for others it appears more uniform. Fluctuations in value are the risk that you and the financial manager bear.
- By purchasing bonds, the schedule will be the smoothest due to the least fluctuations in value;
- The stock market carries greater risks, but also offers better returns.
Remember also about the investment currency. All transactions are carried out for you in rubles, but if the investment objects are foreign, the cost will be affected by the exchange rate and conversion.
For example, the higher the value of the dollar, the greater the value of your share. This is an additional price incentive, which also carries serious risks. If the currency falls, a decline is inevitable.
Remember about diversification, which will help mitigate your risks. Its essence lies in the fact that you invest not in one type of investment, but in different ones: funds, shares, markets, various strategies and instruments used.
Raiffeisen mutual funds dynamics
Let's look at the most interesting funds, share price, growth dynamics and recommended terms and amounts for investment.
- Bonds
The management company's strategy involves investing in bonds of reliable issuers. Constant market analysis and changes in the portfolio structure are expected.
The investor's initial investment is from 50 thousand rubles. The recommended period is from 1 year. Yield - 2.68% as of the last reporting date (05/13/2019).
Bonds are the least risky, but also the least profitable type of investment
Let's pay attention to the change in the value of the share:
- 07.09.2018 - 22995,81;
- 15.11.2018 - 23502,99;
- 13.05.2019 - 24330,08.
The difference over 8 months is about 1334.27 in favor of the owner of one share.
- Stock
The strategy is focused on investing in shares of Russian companies. Also, constant analysis of the situation and changes in the portfolio structure are expected.
The most risky but highly profitable type of investment
- 25.12.2018 - 29478,38;
- 28.03.2019 - 31454,86;
- 13.05.2019 - 32077,41.
Growth since the end of December - 2599.03.
- Primary sector
The strategy is focused on companies that are focused on the extraction, processing and marketing of raw materials. Such industrial organizations make up about 50% of the capitalization of the entire Russian stock market.
Investments - from 50 thousand rubles. Duration - from 3 years. Profitability for the reporting year - 17.34%.
The raw materials sector is the most popular type for investment activity
- 02.12.2018 - 31062,78;
- 23.12.2018 - 29484,46;
- 13.05.2019 - 31423,59.
Despite some downward fluctuations, we managed to achieve an increase in value. So, for example, as of the date: 05/11/2018, the cost of one share is 26,780.81. The difference for the year is 4642.78.
- Developing markets
It is worth considering those investments in stocks that performed negatively during the reporting period. Orientation of the strategy towards those companies that have significant potential in the development of a particular country.
Investments - from 50 thousand rubles. Duration - from 3 years. The profitability for the reporting period was “-3.46%”.
Investing in emerging markets is risky
- 11.05.2018 - 19347,75;
- 20.09.2018 - 19323,41;
- 13.05.2019 - 18678,42.
Mutual Fund Raiffeisenbank profitability
- Industrial
It also focuses on investing in shares of Russian companies and similar financial instruments.
Profitability for the month is “-2.24%”. For half a year - 2.84%. For the year - 16.99%. Over 3 years - 60%.
The investment strategy is aggressive. Main positions: ferrous metallurgy (33.3%), diamonds (12.1%), non-ferrous metallurgy - 28.8%.
The graphs show the distribution of investments by type and company
Companies: JSC NLMK, Severstal, NorNickel, JSC Polyus.
Based on constant analytics and collected data, Raiffeisen Capital has developed several calculators for potential investors. They can predict certain indicators taking into account the specifics and your requirements.
So, what interactive services will help you decide on the tools and types of investment:
You will need to indicate the following data: the amount of initial investment, the desired amount of savings, monthly additional investments. What should we get with a balanced strategy:
Allows you to enter your data for future calculations
The service helps determine the necessary strategy, and also shows us a graph that we must compare with the indicators of a particular type of investment:
Allows you to compare it with existing investment programs
This is a kind of statistical data storage device that shows the results of previous periods.
If we had invested our funds on May 13, 2018, then a year later we would have received the following results with an investment amount of 100 thousand rubles.
Provides information on the profitability of a particular type for a certain period of time
Investment income is 8.11% per year with a total net profit of 8106.89 rubles.
The following interactive service will help you choose the most competent look, as well as a strategy to suit your requirements:
You need to specify the currency as well as the strategy type. Based on the selection result, you will receive the most suitable programs:
Offers the most profitable option for your requirements and capabilities
An Individual Investment Account can also be calculated based on your capabilities: the size of the down payment, the investment period, and the type of deduction (for contributions or income). As a result, you get a similar calculation:
Calculation for Individual investment
Of course, when entrusting your funds to a management company, you must independently monitor the results of your work and the profit received.
Raiffeisen Capital offers several methods of control: the official website of the organization with charts for the period, contact by telephone with the responsible person, sending by e-mail, as well as a personal account in the Online service.
Raiffeisen Bank mutual funds are effective and reliable investment instruments. Raiffeisen Capital's assets are managed by a team of managers. Each fund is individual. To select a mutual fund, you should consider in detail the characteristics of each of them, as well as the features of cooperation with the management company.
Features of investing in Raiffeisen Capital mutual funds
The management company Raiffeisen Capital offers investors several mutual funds. Each of them differs in the structure of the investment portfolio and trading strategy, which allows you to purchase an asset in accordance with the individual preferences of each potential client. The company manages mutual funds with relatively low returns, which are not much higher than the profits on bank deposits.
The company's arsenal also includes high-yield funds with high risks. They include commodity raw materials, as well as shares of companies specializing in the development of high technologies.
Main types of funds and their characteristics
Raiffeisen Capital currently manages 18 mutual funds. Some of them are very similar in asset management strategy and investment portfolio structure. Below is a list of the best mutual funds to consider when building your own investment portfolio. Their profitability is relatively low, which is compensated by their high reliability. Taking into account commissions and taxes, contributions will be justified only for long-term investments.- Raiffeisen - Bonds. The fund is designed primarily for conservative investors. The object of investment is state and municipal bonds of the Russian Federation and its constituent entities. The fund's return in 2015 was 29%, and in 2017 only 8%. This can be compensated by the high reliability of investments with minimal risks.
- Mutual Fund "Shares". The main direction of investment is shares of leading domestic enterprises, which ensure the development of the state's economy in the long term. These primarily include organizations in the industrial and mining sectors, whose products are in high demand. The investment portfolio is compiled in accordance with risk diversification standards. The average return rate is 35% over 3 years. Even the difficult geopolitical situation did not affect the fund’s high profit figures.
- MICEX index of blue chips. The most profitable fund, yield can reach 15% per annum. The investment portfolio consists of assets of large Russian companies, whose services are in high demand among consumers and on the world market.
- Mutual Fund "Raiffeisen - Raw Materials Sector". A highly specialized investment fund whose activities are aimed at financing the industrial sector, namely in:
- oil production and oil refining industry;
- mineral extraction;
- production of metallurgical structures.
The average annual return of the fund is 12% per annum.
- Mutual Fund "Consumer Sector". Despite the global economic crisis, which has a detrimental effect on the solvency of the population, which in turn negatively affects the profits of companies in the consumer sector, this fund has shown a stable return of 8% per annum over the past 3 years.
- Mutual Fund "Industrial" Investors' investments are distributed between shares of Russian companies in the metallurgical sector, as well as industrial enterprises in the chemical industry, as well as mechanical engineering and construction. The average annual yield is 9% per annum.
- Mutual Fund "USA". Involves investment in the US economy. The profitability for 2017 was 12%.
- Active management fund. An effective financial instrument with proper risk diversification. The structure of the investment portfolio includes shares of leading domestic and foreign commercial organizations. The average annual return of the fund is 11%.
- Mutual Fund “Debt Markets of Developed Countries”. The portfolio consists of corporate debt assets of companies primarily from Europe and the USA, which have a high credit rating. There is virtually no risk. The average annual return of the mutual fund is 6% -7% per annum.
- Mutual Fund "Information Technologies". Investments in this fund can be considered a win-win, since information technology today is developing more than rapidly. The structure of the investment portfolio assumes the most optimal balance of risks and potential returns, even in conditions of an economic crisis. The average annual yield is about 10% per annum.
You should choose a mutual fund for investment in accordance with your personal trading strategy. With a conservative approach to investment activities, you can select 2-3 funds from those offered and distribute between them up to 40% of the total capital. This will neutralize the negative impact of inflation on the trading account and will also ensure high risk diversification.
The dynamics of profitability can be found using the price chart, which is presented on the official website of the management company for each mutual fund.
Opportunities and advantages of investing
Investments in Raiffeisen Capital mutual funds have a number of advantages:
- The return on some assets is 2 times higher than the profit on bank deposits, while the risks are almost identical. In other words, mutual funds from this management company are a cross between direct investments in the stock market and bank deposits.
- Passive income. The assets of each fund are managed by professional portfolio managers. The investor can only transfer funds and monitor the development of the value of the shares through his personal account.
- The minimum investment is only 10,000 rubles if shares are purchased directly at the offices of the management company.
Despite the obvious advantages of such investments, you should also pay attention to one significant drawback - commission fees and taxation. Raiffeisen Capital regularly changes the terms of cooperation. At the same time, there is no advance information to customers. The company, at the request of the investor, can act as a tax agent. An additional fee will apply for this.
How to become a client of the fund
To invest in Raiffeisen Capital mutual funds, you should personally contact the office of the management company or its agent. You must have a civil passport with you. When purchasing shares without intermediaries, the minimum investment amount is from 10,000 to 50,000 rubles (depending on the chosen mutual fund). The company's conditions provide for additional investments in the selected fund. Their size must be at least 10,000 rubles. If a transaction to purchase shares is carried out between an investor and an intermediary organization, then the minimum deposit amount must be from 150,000 rubles.
To register, you will need to fill out the appropriate application at the office of the company or intermediary, and then transfer the desired amount to the details specified in the contract after signing it.
The company's terms and conditions do not provide for a minimum investment period, however, portfolio managers and consultants recommend not considering a period of less than 3 years. Otherwise, commissions and taxes will take away most of the profits.
Despite many negative reviews that can be seen on specialized information sites, investments in Raiffeisen Capital mutual funds can still be considered one of the most reliable. Negative opinions about the work of this management company are primarily due to the fact that the citizens who left them did short-term work (up to 6 months). As a result, after deducting tax and management commissions, the profit turned out to be insignificant.
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