Benefits of mutual funds from alpha-bank. Mutual funds of Alfa-Bank - profitability of funds Conditions for investing in mutual funds
« Alfa Capital” is a time-tested management company from Alfa Bank, founded in 1996, today uniting more than 1.1 million clients and operating 178 billion rubles.
This company manages Alfa Bank mutual funds, of which there are currently 16 (excluding projects for institutional investors), as well asperforms trust management of clients' funds. Good reviews, reliability and profitability of mutual funds in Alfa Capital attract more and more new investors.
But before you carry your money to a management company, it would be wise to study in detail the strategies, structures and performance of all funds in order to choose the most suitable ones for yourself.
Classic mutual funds Alfa Capital
IPIF Alfa Capital Growth Shares
« growth stocks” is the interval Alfa Capital, which began its work at the very end of December 2006, primarily betting on the shares of second-tier companies with a small capitalization, which, according to the results of the analysis, have a high growth potential. To insure risks, part of the funds is held in bonds, depositary receipts and foreign currency.
The portfolio structure by industry looks like this:
- other - 29.60%;
- power industry - 22%;
- metallurgy and mining - 18.60%;
- government bonds - 10.20%;
- oil and gas - 10.20%;
- transport - 9.40%.
The fund owns shares LSR(8,80%), PROTEK(7,96%), ALROSA(6,15%), Unipro(5,85%), YANDEX(5.75%), etc. In total, shares account for 82.08% of all assets, bonds - 10.21%, cash - 4.90%, the remaining 2.8% are depositary receipts.
In terms of profitability in the long term, the mutual fund shows good, but not outstanding results - 9.81% for the year and 86.37% for 3 years. NAV about 369.21 million rubles. and has an upward trend. The number of shareholders as of the end of 2016 is 1168 people.
Since the fund is an interval fund, it will not be possible to sell, exchange or buy shares at any time - there are specially designated periods for this 4 times a year: from March 10 to 23, June, September and from December 8 to 21 .
With regard to the minimum amount of initial investment, now it is 1 thousand rubles through the management company data according to the latest information from the official website, in other places on the Internet it is indicated that the minimum contributions are from 100 thousand rubles, so if you are going to invest, be sure to check this information). For agents, the size of the minimum first contribution can be much larger.
The management company takes 3.7% for its work, auditors, depository and registrar - 1%, another 0.5% falls on other minor expenses. The premium depends on the size of the investment:
- 1.4% if less than half a million rubles;
- 0.9% if from 500 thousand to 3 million rubles;
- 0.5% if 3 or more million rubles.
Discount depends on the term of investment:
- 1.5% if the term is up to 1 year;
- 1% if from 366 to 730 days;
- if more than 730 days, then it is completely absent.
Index OIF "Alfa-Capital MICEX Index"
Unlike the previous one, this mutual fund Alfa Capital belongs to the category of open index funds, and, as you can guess from the name, it tries to follow the structure of the MICEX index exactly, while trying to exceed its profitability as much as possible, insuring risks as much as possible. The strategy is not designed for short-term investments, and in order to make significant money, you need to hold shares for at least 2-3 years.
98.60% of the fund's resources are invested in shares (mainly domestic companies), 1.20% are in cash and 0.2% in depositary receipts. By industry, the structure of assets is as follows:
- oil and gas - 47%;
- financial sector - 21.1%;
- metallurgy and mining - 14%;
- other - 6.9%;
- consumer sector - 6.2%;
- telecommunications and communications - 4.8%.
Among specific shares, the largest share falls on (14.61%), (14.54%), (12.27%), (6.23%) and others. for 36 months +57.62%. The NAV of the fund is about 251.69 million rubles, the number of shareholders is 1146.
All conditions for commissions, surcharge, discount, etc. the same as in the previous one, except for the remuneration of the MC, which in this case is only 1.3%.
OPIF "Alfa-Capital Balance"
This fund, which began operations on May 15, 2006, belongs to mixed-type mutual funds, the assets of which are divided mainly between shares and bonds in order to provide shareholders with a profit as close as possible to that which mutual funds of shares can receive in growing markets, and bearish ones to avoid their inherent losses and provide a small but stable income like bond mutual funds. To this end, the management company constantly monitors the situation in the economy and promptly redistributes assets, if necessary.
At the moment, the configuration of the shares of the net assets of the fund looks like this:
- shares - 43.5%;
- bonds - 35.1%;
- shares of other funds - 9.5%;
- money - 7.1%;
- depositary receipts - 4.8%.
By industry, the portfolio structure is as follows:
- oil and gas - 30.11%;
- other - 19.52%;
- financial sector - 19.42%;
- transport - 11.73%;
- fund shares – 9.87%;
- metallurgy and mining - 9.35%.
Among the assets of the mutual fund, one can find such bonds as STLC 001P-03 (8.72%), AFK Sistema 001P-04 (8.43%) or MOESK BO-06 (7.37%), as well as shares of Lukoil (7.38 %) and Sberbank (7.21%).
In terms of profitability, the last year turned out to be unsuccessful for the fund - the share price today is 1.63% less than last year's value, the three-year income was 47.05%. The NAV of the mutual fund is 885.52 million rubles, and the number of depositors is about 3685.
The size of the commissions from the fund is as follows: the management company takes 2.8%, other expenses, audit, etc. subtract the standard values. The premium is related to the amount of money invested: if less than 500 thousand rubles, then 1.19%, from 500 thousand to 3 million - 0.76%, if more, then 0.42%. The discount depends on the investment period: up to a year - 1%, from a year to 730 days - 0.5%, more than - 0%.
OPIF "Alfa Capital Bonds Plus"
It was formed at the end of April 2003 and is one of Alfa Bank's mutual funds that earn on bonds, however, during times of market growth, in order to increase profitability, it can invest a certain amount of funds in domestic liquid shares. The goal and strategy, which are determined by the managers for this mutual fund, is to, regardless of the situation in the stock market, to receive an annual profit more than bank deposits can provide, while maintaining minimal risk by investing most of the funds in reliable high-yield bonds.
Today, there are only 2 types of assets in the portfolio: bonds (97.4%) and cash (2.6%), but by industry it is divided as follows:
- metallurgy and mining - 22.9%;
- oil and gas - 21%;
- transport - 18.9%;
- finance - 17.1%;
- other - 13.6%;
- telecommunications and communications - 6.5%.
Among the bonds owned by the mutual fund, one can find Rosneft 001R-02 (7.65%), STLC 001P-03 (6.92%), ChTPZ 001R-02 (6.06%), Transmashholding PBO-01 (5.83 %) other. As a result, this strategy yielded 13.15% profit in 12 months and 38.03% in 36. The NAV is an impressive 6.71 billion rubles. and judging by the graphs, it is growing at an impressive pace - + 660% per year and + 853.53% over 3 years. The number of fund investors is 4680.
The investment conditions are similar to the previous mutual fund - 1000 rubles. the minimum contribution amount for those who are not yet unit holders. The commission of the Criminal Code is 1.5%, the rest of the rewards are similar to the previous fund, the allowances are also similar, but the conditions for the discount are slightly different:
- 1% when investing up to six months;
- 0.5% if from 184 to a year;
- missing if longer than a year.
OPIF Alfa Capital Reserve
A mutual fund provides an opportunity to earn money by investing in reliable bonds, like the previous one, it has been operating since the end of April 2003. The strategy is not much different from other classic bond funds: buying the most profitable and proven bonds that give a profit that will exceed the rates on the best ruble deposits in banks. For diversification, part of the funds can be invested in foreign currency bonds and money. The total volume of bonds today is 97.8%, cash - 2.2%.
The sectoral structure of the portfolio gives the following picture:
- other - 22.3%;
- transport - 20.1%;
- metallurgy and mining - 17.1%;
- oil and gas - 15.2%;
- finance - 15%;
- electric power industry - 10.3%.
The largest share in the assets are bonds of Rosneft 001R-02 (6.46%), Transmashholding PBO-01 (6.43%), STLC 001P-03 (6.34%), ChTPZ 001P-01 (5.37%), HC Metalloinvest BO-02 (5.29%). The annual yield is 12.17%, three-year 39.88%. NAV - 6.47 billion rubles, the number of shareholders - about 5284.
The only difference in commissions is the amount of remuneration of the MC, which is 1.3%, all other tariffs are the same as those of the Bonds Plus fund.
OIF "Alfa-Capital Liquid shares"
Established on September 30, 2005, and today unites more than 8,500 shareholders. As the name suggests, the fund focuses on investments in liquid stocks of Russian and international companies from various industries, the main criterion being high growth potential. To insure against risks, managers rely not only on the analysis of industries and individual companies, but also invest part of their funds in assets other than stocks (66.7%): bonds (10.2%), shares of other funds (5.5%), currency (7.6%), depository receipts (10%).
The composition of the portfolio by industry is as follows:
- oil and gas - 36.7%;
- other - 16.5%;
- metallurgy and mining - 15.9%;
- finance - 15.2%;
- government bonds - 10.2%;
- fund shares – 5.5%.
The assets of the mutual fund include shares of Sberbank of Russia (13.33%), MMC Norilsk Nickel (13.25%), Lukoil (12.03%), GAZPROM (10.88%), etc. As for the effectiveness of such a strategy, for 3 years the yield was more than 90%, and for the year 2.99%. The cost of a share today is 3458 rubles, the NAV reaches 1.54 billion, and the number of shareholders is 8565 people.
The MC commission for this mutual fund is 3.1%, the depository, registrars and audit take 1.02%, other expenses account for only 0.5% of the costs. Surcharge for investments of less than 500 thousand rubles. - 1.4%, from 500 to 3 million - 0.9%, more - 0.5%; the discount, as in other funds, depends on the investment period: if for a year or less - 1.5%, from a year to 730 days - 1%, if more than that is not charged.
Alfa Capital Eurobonds
Funds with the name "Eurobonds" are present, probably, in every Russian management company and their goal is always the same - investments in Eurobonds. It began to operate at the same time as "Liquid Shares" and invests in government Eurobonds of the Russian Federation, domestic and foreign corporations and banks, which allows in the future to receive a better profit than on deposits in foreign currency deposits.
All assets are divided between Eurobonds (85.30%) and cash (14.70%), which, according to managers, is currently optimal. The industry division looks like this:
- finance - 27%;
- oil and gas - 20.4%;
- telecommunications and communications - 16.6%;
- other - 14.7%;
- metallurgy and mining - 14%;
- transport - 7.3%.
Among the main Eurobonds in the assets of the mutual fund are: Gazprom 9.250% 23apr2019 (7.16%), VTB 6.950% 17oct2022 (6.96%), Gazprom Neft 6% 27nov2023 (6.91%), Sovcomflot 5.375% 16jun2023 (6.87 %) and etc.
So far, over the past year, the fund has brought only losses to its shareholders - -7.42%, but the three-year rate of return (+64.18%) shows that not everything is so bad. The number of depositors is about 2149, and the NAV is 2.17 billion rubles. The investment conditions are the same as those of the Alfa Capital Reserve fund.
Industry mutual funds Alfa Capital
OPIF "Alfa-Capital Resources"
The fund was formed on December 27, 2006 with the aim of long-term investment mainly in the shares of Russian corporations from the mining, oil and gas and metallurgical industries, so that the profit of the mutual fund exceeds or at least matches that of individual companies, and the risks remain at the level of the stock market.
To secure, the management company divided all the fund's assets between shares (85.7%), depositary receipts (8.8%) and cash (5.5%), and in sectoral terms, the portfolio structure is presented:
- oil and gas - 51.65%;
- metallurgy and mining - 35.94%;
- other - 5.51%;
- power industry - 3.8%;
- chemical production - 3.1%.
The largest number of shares held by the fund belong to GAZPROM (13.66%), Lukoil (13.16%), MMC Norilsk Nickel (12.46%), Surgutneftegaz (10.55%) and others. fund is positive, but rather weak - 2.25% for 12 months and 37.47% for 36. The mutual fund includes 5807 investors, 410 million rubles. which make up NAV at the moment.
The management company charges a 3.5% commission for its work, the rest of the conditions are the same as in the Growth Shares fund.
Alpha Capital Trading
It began to operate on August 28, 2007, and in its focus it corresponds to mutual funds "Consumer Sector" from other management companies in Russia. The fund specializes in investing in companies (mainly domestic) associated with the production of consumer goods and the provision of services to the general public.
Now the assets are divided between three types of instruments: shares (66.4%), depository receipts (24.6%) and cash (9%). In sectoral terms, investments are distributed between:
- retail stores - 31.27%;
- other companies - 21.18%;
- food producers - 15.28%;
- electronics stores - 14.59%;
- telecommunications and communications - 10.29%;
- Internet companies - 7.39%.
Among the securities of the mutual fund, the shares of M.Video (15.03%), the Cherkizovo group (12.47%), AFK Sistema (10.27%), as well as depositary receipts of ROS AGRO PLS (8.95%) have the largest percentage ), etc. The fund has not earned any profit over the past year (yield -3.43%), but for 3 years there is already something (+58.28%). NAV 99.31 million rubles, the number of shareholders - 870 people. Tariffs and commissions as in the previous fund.
OPIF "Alfa-Capital Technologies"
The fund was opened at the end of 2006 and invests on a long-term basis mainly in shares of foreign telecommunications, software and IT companies. The main type of instruments held by the mutual fund are shares, accounting for 81.12%, but also for diversification there are depositary receipts - 15.48%, shares of other funds - 2.5% and cash - 0.9%. The portfolio structure is as follows:
- Internet - 24.82%;
- semiconductors - 23.82%;
- other - 17.62%;
- software - 15.12%;
- biotechnologies - 11.51%;
- computers - 7.11%.
The mutual fund holds the shares of Alphabet (7.65%), Cisco (6.24%), Micron Technology (6.01%), Adobe (4.50%) and others, which increased the value of the Alfa Capital mutual fund share by 11 .77%, and over the past 36 months it has grown by 61.94%. The fund includes 2456 participants whose total funds (the NAV of the fund) amount to 603.63 million rubles.
Alfa Capital takes 3.5% for its work, the rest of the conditions are standard.
OPEIF "Alfa-Capital Brands"
Appeared at the same time as the Fund "Trade", but invests in the shares of financial companies in order to squeeze out the maximum profit with the standard risks of the stock market. As in most mutual funds of this type, but with a different specialization, investing in shares takes place almost entirely on a long-term basis.
The portfolio is set up like this:
- consumer sector - 39.84%;
- IT - 19.92%;
- financial sector - 12.81%;
- other - 11.11%;
- oil and gas - 8.61%;
- transport - 7.71%.
Overall, equities account for 90.4% of the fund's total assets, depository receipts for 5.8% and cash for 3.8%. The largest shares among the shares fall on Lukoil (9.06%), Apple (8.38%), DEUTSCHE LUFTHANSA (7.13%), Sberbank (7.02%), BAYER (6.76%) and others.
If you look at the tables and graphs of returns, the annual result is not yet impressive (only 2.83%), the three-year result is also quite modest - +38.65%. There are only 325 shareholders of the fund, and the NAV is 18.89 million rubles. You can buy units under the general conditions for most funds, and all commissions are the same as the previous one.
OPEIF "Alfa-Capital Infrastructure"
He began working at the end of 2006 and specializes in investing in shares of infrastructure and energy domestic and foreign companies and exchange-traded funds associated not only with the usual energy, but also with alternative energy. To diversify, the mutual investment fund keeps part of its investments in bonds (11.8%) and cash (1.2%), the rest falls on shares (87%). By industry, the portfolio structure is as follows:
- electric power industry - 45.05%;
- communications and telecommunications - 14.39%;
- oil and gas - 13.49%;
- government bonds - 11.79%;
- other – 7.69%;
- real estate - 7.59%.
The largest share of shares falls on GAZPROM (10.93%), RusHydro(9,43%), Unipro(8,44%),TGC-1 (8,23%), AFK Sistema(7.58%). Alfa Capital PIF yield indicators for the year show a value of 3.92%, for 3 years - 40.29%. NAV 87.54 million rubles, the number of investors - 2008. The rest is the same as the previous one.
Specialized mutual funds
OPEIF "Alfa-Capital Strategic Investments"
It has been operating since mid-2007 and is currently investing in long-term government bonds, which make up 96.91% of the total assets of the mutual fund, and the remaining 3.09% are in cash, the portfolio structure does not include anything else yet. The yield of Alfa Capital mutual fund is small, but stable - 11.25% per year and 38.24% over 3 years. Due to the specificity of the fund, there are few shareholders - only 22 people, and the NAV is 1.3 million rubles.
The fund is specialized, therefore, even through a management company, it is necessary to invest at least 50 thousand rubles, but the commission of the management company is only 0.1%, auditors, registrars and depository take 1%, discounts and surcharges are completely absent.
OPEIF of Alfa Capital Gold funds
Although the mutual fund is called "Gold", it invests not only in it alone (45.75%), but also in other major precious metals and bonds (silver - 17.09%, government bonds - 16.17%, cash - 9, 62%, palladium - 7.37%, platinum - 3.99%). Investing in precious metals occurs through the purchase of shares in specialized ETFs and trusts (ProShares Ultra Silver (13.69%), ProShares Ultra Gold (13.17%), SPDR Gold Shares (12.03%), iShares Gold Trust (9 .56%)). The risk of investing in the fund can be quite tangible, so over the past year, the mutual fund showed a loss of -13.93%, the three-year figure looks somewhat better - +36.39%. Number of investors 485, NAV 73.1 million rubles
The minimum investment amounts are standard, as in most other funds - from 1 thousand rubles. Remuneration of the Criminal Code - 2.5%, auditors, special. deposit and registrar - 1%, as well as 0.5% for other small expenses. The discount and premium are standard, like the Growth Stocks fund and many others.
IPIF of mixed investments "Alfa-Capital"
The oldest and largest interval mutual investment fund in Russia, which has been operating since September 29, 2000 and unites about 1,047,335 shareholders. The fund invests in everything that brings a good return with moderate risk: bonds (59.54%), stocks (35.76%), depositary receipts (3%), currencies (1.7%), but can also acquire shares of others funds. The sectoral structure of the portfolio is divided between:
- oil and gas - 35.36%;
- metallurgy and mining - 30.77%;
- financial sector - 13.39%;
- others - 11.99%;
- consumer sector - 4.3%;
- power industry - 4.2%.
The main share among the financial instruments of the mutual fund falls on Rosneft 001R-02 (7.14%), STLC 001P-03 (6.72%), Gazprom Neft BO-04 (6.47%), Sberbank (6.41%) and etc. During the year, the fund brought shareholders 11.43% profit, for 3 years - 41.13%. NAV 1.55 billion rubles
Alfa Capital keeps a fee of 3.8%, but the main feature of the commissions of this fund is a significant fee to the depository, registrar and auditor, which reaches 3.4%! Discounts, surcharges and other tariffs are standard. Since the mutual fund is an interval one, it is possible to make transactions with shares only in strictly allotted periods, and there are only 2 of them in a year: from April 1 to April 14 and from October 10 to October 24.
If you are looking for investment opportunities for yourself, you can compare Alfa Capital offers with. But in both cases, you will see the average return of funds at the level of 10-20% per annum. .
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License No. 21-000-1-00028 dated September 22, 1998 for the management of investment funds, mutual investment funds and non-state pension funds was issued by the Federal Financial Markets Service of Russia, without limitation of validity. License for securities management activities No. 077-08158-001000, issued by the Federal Financial Markets Service of Russia on November 30, 2004, without limitation of validity. The rules of trust management of unit investment funds managed by Alfa Capital Management LLC provide for premiums to the estimated value of investment units when they are issued and discounts to the estimated value of units when they are redeemed. Please note that the collection of discounts and surcharges reduces the profitability of investments in investment units of mutual funds. The value of investment units may increase and decrease, the results of investing in the past do not determine future income, the state does not guarantee the profitability of investments in investment funds. Before purchasing an investment share, you should carefully read the rules of trust management of a mutual investment fund. Detailed information about the activities of Alfa Capital Management Company LLC and mutual investment funds under its management, including the texts of the rules of trust management, all changes and additions to them, as well as information about the places for accepting applications for the acquisition, redemption and exchange of investment shares, you can be obtained at 123001, Moscow, st. Sadovaya-Kudrinskaya, 32, building 1. Phones: +7 495 783-4-783, 8 800 200-28-28, as well as on the website of Alfa Capital Management Company LLC on the Internet at: www. alfacapital.ru.
This material is distributed for informational purposes only. The distribution of this material is not an investment advisory activity. The information provided in this material is not an individual investment recommendation.
© Alfa Capital Management Company, Limited Liability Company, 2009–2019
Investments in mutual funds (mutual funds), Folio, asset management, investment strategies, financial consulting, pension savings. Investments in stocks, bonds and securities. Wealth Management, Private Banking, Investing in Mutual Funds.
© Alfa Group, 2009–2019
OPIF bonds Alfa Capital Eurobonds. Trust Management Rules No. 0386-78483614 were registered by the Federal Financial Markets Service of Russia on 18.08.2005 by Alfa-Capital Balance OIF of mixed investments. Trust management rules No. 0500-94103344 were registered by the Federal Financial Markets Service of Russia on April 13, 2006. Open-ended investment fund Alfa Capital Bonds Plus. Trust Management Rules No. 0095-59893492 were registered by the Federal Securities Commission of Russia on March 21, 2003. OPIF of Alfa Capital Reserve bonds. Trust Management Rules No. 0094-59893648 were registered by the Federal Securities Commission of Russia on March 21, 2003. Alfa Capital Shares of Growth Open Investment Fund. Trust Management Rules No. 0697-94121997 were registered by the Federal Financial Markets Service of Russia on 12.12.2006 by Alfa Capital Index Moscow Exchange. Trust Management Rules No. 0695-94121916 were registered by the Federal Financial Markets Service of Russia on December 12, 2006. Open-ended Investment Fund of Alfa Capital Metallurgy shares. Trust Management Rules No. 0696-94121678 were registered by the Federal Financial Markets Service of Russia on 12.12.2006. OPIF of Alfa Capital Liquid Shares shares. Trust management rules No. 0387-78483850 were registered by the Federal Financial Markets Service of Russia on August 18, 2005. IPIF of Alfa Capital Perspektiva shares. Trust management rules No. 0388-78483695 were registered by the Federal Financial Markets Service of Russia on August 18, 2005. OPIF of Alfa Capital Global Balance shares. Trust Management Rules No. 0907-94126486 were registered by the Federal Financial Markets Service of Russia on 08/07/2007. Trust Management Rules No. 0909-94126641 were registered by the Federal Financial Markets Service of Russia on 08/07/2007. Trust Management Rules No. 0698-94121750 were registered by the Federal Financial Markets Service of Russia on December 12, 2006. Open-ended Investment Fund of Alfa Capital Technologies shares. Trust management rules No. 0699-94121833 were registered by the Federal Financial Markets Service of Russia on 12.12.2006 by the open-ended investment fund of Alfa Capital Zoloto funds. Trust management rules No. 0908-94126724 were registered by the Federal Financial Markets Service of Russia on 08/07/2007, Alfa-Capital Strategic Investments mixed investment fund. Rules for trust management of OIF of mixed investments "Alfa Capital Strategic Investments" were registered by the Federal Financial Markets Service of Russia on July 05, 2007 under No. 088-94124636. IPIF of mixed investments "Alfa-Capital". Rules for trust management of the mixed investment investment fund Alfa Capital were registered by the Federal Financial Markets Service of Russia on September 06, 2002 under No. 22-000-1-00049. ZPIFN "Residential real estate 01.10". Trust management rules No. 1817-94168740 were registered by the Federal Service for Financial Markets of Russia on June 24, 2014.
Alfa Capital Management Company offers private and qualified investors a huge selection of mutual funds for investing in various securities of enterprises and industries. The management company is now part of Alfa Group and is the oldest in the Russian investment market.
Clients can count on the control and protection of interests by the state, the safety of investments, competent service and other privileges. Consider the most popular mutual funds "Alfa Capital".
"Liquid Shares"
Mutual Fund from Alfa Capital Management Company "Liquid Shares" operates on the principle of making a profit depending on the growth in the value (quotations) of shares. Assets - Central Bank (shares) of the largest companies of the domestic economy in many industries.
The benefits of investing in this mutual fund include:
- multi-currency in the structure of the fund, the ability to profit from the growth in share prices of foreign companies;
- investments in the Central Bank only by issuers of the 1st echelon (the largest and consistently profitable);
- the ability to choose the industry and even the investment region;
- a thorough analysis by specialists of the credit qualities of issuers and other nuances.
Almost 48% in the structure of the fund's assets is occupied by the Central Bank of companies in the metallurgical and mining industries, 14.6% - the consumer sector, about 6% - other industries. The value of the unit investment fund from Alfa Capital Management Company Liquid Shares has increased by 259% over 10 years (today it has added 2.5 thousand rubles), only in the period from 2008 to 2010 it had a downward trend. The NAV of the mutual fund is 1.3 billion rubles, which has also increased over the past 1.5 years.
"Balance"
Mutual investment fund "Alfa Capital" "Balance" also shows an increase in the value of the fund's shares (yield) by 61.9% since the foundation of the fund. As part of the mutual fund portfolio, there are multi-currency securities, and shareholders' capital is invested in Russian companies. The fund invests in bonds and stocks.
Among the advantages of such a mutual fund can be noted:
- diversification - you can invest in domestic and foreign companies, in various industries, in any currency, choose asset classes;
- hedging of currency risks - protection of profits by performing urgent transactions (buying or selling) with currency;
- multi-currency structure and minimization of loss risks;
- stable profit with an average level of risk.
The main assets in the unit investment fund are the securities of companies in the oil and gas and consumer sectors. There are also shares of funds (index), state securities, metallurgy, mining, and other shares.
More than 25% in the structure - liquid shares, as well as bonds (55.3%), 0.8% of cash, 0.4% - depository receipts. Reviews about this mutual fund of Alfa Capital Management Company are not bad, the funds in it are reliably protected from risks and inflation.
"Technologies"
Mutual Fund "Alfa Capital" "Technologies" invests its shareholders' funds in hi-tech companies with significant growth potential and with a minimum volume of speculative transactions. The return on such investments is usually higher than or at the level of the value of shares of companies in the technology industry.
The advantages of investing capital in this fund include the following points:
- the predominant part of the mutual fund portfolio is presented in hard (fixed) currencies, however, it is possible to invest in multicurrency;
- profit is made due to the growth of the high-tech global sector of the economy;
- industry portfolio, diversified by issuers;
- a mandatory risk analysis is carried out by competent employees.
The dynamics of the price of the fund's share was negative only in the last month. In the period since the formation of the mutual fund, the cost has increased by almost 132%. This mutual fund occupies an important position in the ranking of the profitability of Alfa Capital funds for 2016. NAV today is 6.5 million rubles.
The structure of the mutual investment fund is quite diverse: 12% is occupied by an Internet provider and other companies that provide access and maintenance of the Network, 9.8% - computers (production, components, assembly), 14.8% are occupied by shares of index funds, 14% - biotechnology, 37 % - other issuers. Up to 80% is occupied by liquid stocks, mainly of the largest American companies in the sector.
"Resources"
This mutual fund "Alfa Capital" shows one of the highest share prices for today, good profitability due to investing in the oil and gas sector of the economy. The price growth dynamics is as follows: 1.7% for the last month, 22.5% per year, 75.18% for the entire period since the fund was opened.
The advantages of this mutual fund are as follows:
- the multi-currency structure of the portfolio package allows you to protect investments from exchange rate fluctuations;
- the maximum emphasis in investing is placed on the investment of capital of shareholders in the securities (shares) of the largest companies in the oil and gas industry, as well as the mining and metallurgical sector of Russia;
- currency is hedged to minimize risks.
The portfolio structure includes securities of such issuers: oil and gas companies, steel producers, mining and processing enterprises, metallurgical enterprises, as well as miners of precious minerals / metals, fertilizer manufacturers and others.
To purchase a share and get advice, you can contact any of the representative offices of the Criminal Code or leave an online application through the official website. For the convenience of managing shares, a “personal account” is available on the site, and a calculator is also provided for calculating the potential profitability of the fund. To purchase shares, you will need a passport and an application.
One of the ways to invest money in Alfa-Bank is to purchase units of mutual funds. Thanks to a non-standard approach to the formation of the client base, Alfa-Bank provides the opportunity to become a shareholder to individuals with a wide range of incomes, and not only to large players in the investment market with a large financial cash reserve. This option of investing money is preferable for those who do not risk becoming an independent participant in the stock market, but prefer to entrust their contribution to professionals who control Alfa-Bank mutual funds.
Basic concepts of mutual funds
Mutual investment funds (UIFs) are an investment tool (investment of funds) by pooling the capital of investors to make a profit on the stock markets. MC (management company) Alfa-Capital is a part of Alfa-Group holding. She manages finances, conducts market analysis, etc. Alfa-Bank mutual funds are under the jurisdiction of the Criminal Code. Feedback on the activities of this company (including from stock market experts who evaluate the effectiveness of investments) is positive.
Line of mutual funds Alfa Capital
Reliability is confirmed by its long existence - since 1996. More than 10 years of successful work in the field of investment in various industries have made it possible to create mutual funds with the most attractive conditions for investors.
A share is a registered security confirming the right of its owner to a certain part of the property of a mutual fund (in this case, mutual funds of Alfa-Bank).
The cost of shares in any particular mutual fund is the same, which gives the owners equal rights to shares in the fund's property, but their number for each specific owner may be different.
Advantages and disadvantages
The main question that interests current and potential investors is how profitable an investment in Alfa-Bank Mutual Investment Funds will be. The profitability of funds depends on the behavior of the stock market and the timing of investments, the longer they are, the more profitable.
Advantages
Statistics show that the average rate of return is kept within 20% per annum, which makes mutual funds more attractive than deposits. In addition, all the time while the share is at the disposal of the Criminal Code, taxes from the shareholder are not deducted. They are paid only when the share is sold (profit tax).
It is not difficult to cash out a share, it is a liquid asset that is sold quite quickly (usually 2-3 days). The value of the units varies depending on the liquidity. An additional plus is the professionalism of the management company. Knowledge of the laws of the market that employees of Alfa-Bank mutual funds have, analysis of the fund's assets before investing helps competent management.
Flaws
Alfa-Bank mutual funds also have typical disadvantages for all investment funds. The dynamics of the market dictates its own laws, the quotes of the value of shares (respectively, shares) can rise and fall. The share of risk is considered one of the main disadvantages. Although it should be noted that a well-managed mutual fund makes your investment not much more risky, but more profitable in comparison with a deposit.
Another disadvantage experts call the need for regular payment of remuneration to the management company, regardless of the profitability or loss of assets, as well as the presence of discounts and surcharges introduced by management companies.
Although Alfa-Bank's Mutual Investment Funds provide a return on the shares of depositors, investors may be somewhat dissatisfied with premiums (additionally required money for the management company when issuing a share). Discounts mean the money that is retained by the management company when the investor redeems the share. In fact, discounts and / or surcharges are additional payments in favor of the management company.
Knowing the main advantages and disadvantages, a potential investor can decide for himself whether to invest in a mutual fund or opt for a less profitable deposit.
Popular Mutual Funds
Structurally, investment funds are distinguished by:
- Time of purchase and sale of shares: closed, open or interval. This means that an additional purchase or sale of a share to a shareholder will be available either after the closure of a specific mutual fund, or at any time, or at a certain time specified in the charter.
- The direction of investments: in the money market, in securities (bonds or stocks), in different sectors of the economy (mixed investments), in mortgages, etc.
Several mutual funds operate simultaneously at Alfa-Bank, a detailed description of which is on the official website. Let's talk about the most popular and demanded investment funds.
Bonds Plus
This is a classic open fund with assets in bonds (97.03%) and cash deposits in credit institutions (2.97%). The cost of a share is 2484.67, the initial amount for a deposit through a management company is 1 thousand rubles. When investing through agents (including through Citibank) - 5 thousand rubles. Possibility of buying/selling - every day during working hours, except weekends.
On the site you can see the analysis of the dynamics of profitability for 3 years (interim and final). It contains data on how Alfa-Bank Bonds Plus mutual funds worked at that time and the cost of shares. Feedback on the quality of work from market experts is positive. The main investment goal of the mutual fund is to achieve an optimal balance between long-term profitability and risks (no foreign exchange risks). An actively and qualitatively managed fund builds its portfolio in accordance with market behavior.
Energy
Also, an open fund (sale/purchase of shares daily during business hours) with an investment horizon of 1 year, with an initial deposit amount through agents of 5 thousand rubles. and 1 thousand rubles. through the management company of Alfa-Bank mutual funds. The cost of shares in the electric power industry is 311.87. Assets are distributed as follows: shares of enterprises of the fuel and energy complex account for 84.28%, shares and cash - 10.47 and 5.25, respectively. The goal of the fund is high profitability with maximum emphasis on the fuel and energy complex.
Metallurgy
The distribution of assets is directed towards liquid shares of metallurgical companies and enterprises operating in the field of metalworking. The assets in them account for 82.94%, the rest of the package is divided between shares (8.99%) and cash and depositary receipts (8.07%).
The goal is to generate high returns from the steel industry with adequate market risk. This is what the professionally managed mutual funds of Alfa-Bank achieve. The cost of shares in metallurgy is 686.15.
The list of investment funds of Alfa-Bank includes funds of different structure, which will also be attractive to potential investors. More information about them is on the official website.
Conclusions and reviews
Investing in mutual funds of Alfa-Bank brings investors income, which is usually much higher than the profit from deposits and contributions. Naturally, there are market risks with this method of investing money. Statistics show that knowledge of the stock market and the work of a team of professionals of the management company are able to minimize these risks.
3 years ago, I invested an amount of 544,100 rubles. in Alfa Capital under the Alfa Profit program. Naturally, the bank employee described the advantages of this product in the best colors, without focusing on the risks at all. Solid pluses and supposedly I won’t lose anything, tk. all investments are insured. This is true, according to the contract you can’t find fault with anything, because. initially agree to the terms.
After 3 years, I left a request for the withdrawal of funds, which required additional time costs (up to 3 months under the contract, we waited a month). As a result, I was returned 544146.03 rubles. Those. for 3 years, thanks to our manager Alexander V., we have earned 46 rubles and 3 kopecks. I can't even figure out how to spend such an "impressive amount". I understand that the Russian market is in decline, but nevertheless, in another bank, I was able to make a decent profit on a similar program.
So what's the conclusion? Or Alexander needs to think about choosing a profession, because he has exactly the same ability in managing financial resources as my grandmother, if not less. Either the bank successfully collects money from depositors and uses it for 3 years at its discretion, while only the bank receives profit, and depositors remain with depreciated deposits (no one has canceled inflation).
I also understand that I voluntarily agreed to participate in this story. But I am VERY sorry, because this money is earned with sweat and blood. And being already a pensioner, she hoped to receive interest. Moreover, the employee guaranteed from 20 to 60%.
By the way, in the reviews I found a similar story, so I'm not the only one. I urge everyone not to contact Alfa Capital under any circumstances, unless you want to lose your money!
The next point concerns mutual funds. A year ago, the devil took me to invest 100,000 in a mutual investment fund "Alfa Capital High Technologies". Before the term of the deposit expired, I decided to ask about profitability. An employee of the bank said that the income amounted to about 11,000 rubles. and the end date of the contract. When this moment came, my surprise knew no bounds. At the current date, the income amounted to about 100 rubles. When asked where the rest of the money was, everyone shrugged their shoulders. Started the trial, connected Moscow. As a result, it turned out that the employee who was involved in my contribution, withdrew the wrong number of shares (downward) and as if they were "lost". And in the end, after 2 weeks, they returned the money to me, but not in full, 9 thousand.
And I think that 2 unpleasant cases in the same time slice is not a coincidence.
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