Raiffeisen Capital PIF commodities sector. Mutual funds

Raiffeisenbank's mutual funds under the management of Raiffeisen-Capital Management Company are the most affordable and convenient tool for raising capital for a wide range of private and qualified clients, as can be seen from the reviews.

The fund represents a special form of joint investment, where each client purchases shares and receives a profit due to the growth of portfolio securities in an amount corresponding to the size of the investment. Today Raiffeisenbank offers private investors several open-ended mutual funds.

"Raiffeisen-Shares"

The main direction of the flow of clients' investments is carried out in this fund in highly liquid securities (shares), and domestic companies with indicators of stable growth of profitability are chosen as issuers. The portfolio structure is such that risks are significantly reduced due to the reallocation of funds across industries.

Main factors:

• the cost of the share at the moment is almost 26 thousand rubles;
• NAV, respectively, is equal to 1.23 billion rubles;
• share growth for the month is 1.78%;
• the structure of the fund's portfolio is dominated by the Central Bank of the commodity sector (35%), the financial industry (23.6%), Money(17.4%), the consumer sector of the country's economy (12.3%).

The optimal investment period is 1.5-2 years, the strategy is long-term investment in highly liquid instruments.

Raiffeisen Bonds

This fund invests only in bonds, Russian companies from various sectors of the economy act as issuers, in addition, the portfolio includes state-owned debentures... It provides for moderate profitability against the background of a low degree of risk.

The fund's performance indicators today are as follows:

• the cost of a share, according to the profitability chart of Raiffeisenbank mutual funds, is currently 20.8 thousand rubles;
• the value of the fund's assets is 10.9 billion rubles;
• average annual yield is 11.41%, NAV growth is 141.5%;
• in the portfolio structure of the fund: almost 61% of government and RF subjects of the Central Bank, as well as 37.9% of corporate bonds, a little more than 1% - cash.

Securities in the structure of the fund have a moderate profitability, therefore the recommended investment period is 12 months or more. The minimum investment limit is 50 thousand rubles, subsequent additions are allowed to be made in the amount of 10 thousand rubles or more.

"Balanced"

In this fund, maximum diversification is possible both by asset classes (various Central Banks) and by currencies, and all this is within the framework of one mutual fund. Moreover, the ratio of portfolio instruments is constantly changing depending on the situation on the securities market.

Key performance indicators of the mutual fund:

• the cost of a share is almost 18 thousand rubles;
• NAV is today 292 million rubles;
• the growth dynamics of this Raiffeisenbank UIF: both the NAV and the share lost in value by 13.76 and 1.98%, respectively, over the past 2 months;
• portfolio structure of mutual funds: 46% are held by shares, almost 36% - by bonds of domestic issuers, 12.6% - by shares of Russian joint-stock companies, and only 5.6% - by cash.

The portfolio includes securities of both developed and developing regions of the country, but only highly liquid instruments are selected for investment. The period for which it is recommended to invest is 1.5-2 years. The minimum amount is invested from 50 thousand rubles.

"USA"

The fund receives returns in accordance with the dynamics stock market U.S.A. Since this country has one of the largest economies, mutual funds are characterized by high and stable returns. The value of each share is also denominated in the US currency - dollars. Accordingly, the shareholders get the opportunity to further increase the profitability of their investment at times of fluctuations in the exchange rate.

Performance indicators:

• the value of the share is 31.7 thousand rubles;
• the value of the NAV is 2.6 billion rubles today;
• for 12 months, the yield was 1.71%, and the NAV fell by 31.12%;
• the fund's portfolio contains 99.9% of the shares of the American stock market and 0.1% of cash.

The passive management fund allows clients to save and minimize the fund's asset management fees. Investment term (recommended) - from 1.5 years or more. Minimum amount investments is 50 thousand rubles, additional investments - from 10 thousand rubles.

"Consumer sector"

This mutual fund invests the capital of shareholders in stocks that are focused on the needs of the internal Russian market... So, the portfolio includes the Central Bank of companies - manufacturers of consumer goods, retail chains, pharmaceutical companies. Accordingly, the profitability of the shares increases following the increase in consumer demand of the population.

Fund indicators:

• the value of the share is 12.5 thousand rubles;
• NAV is equal to 7.2 billion rubles;
• over the year, the mutual fund showed one of the highest yields - the share increased in value by 31.3%, and the NAV - by almost 89%;
• the fund's portfolio includes the Central Bank: 33.6% in Retail, 24% in the financial sector of the economy, 18.4% in the IT sector, 16.3% in construction and transport.

The optimal investment period is at least 18 months, the first investment - from 50 thousand rubles, additional investments - from 10 thousand rubles or more.

In addition to these funds, Raiffeisenbank also offers other mutual funds - "Active Management Fund", "Industrial", "Electric Power", "Treasury", "Raw materials sector" and so on. In all funds equal amount initial acquisition of shares and additions.

Invest hello friends! I continue to review such investment instruments as mutual funds. And today we have the next in line mutual funds of Raiffeisen Capital. The company has existed since 2003 (since 2004 - under its current name). At the moment, Raiffeisen manages 17 open-ended mutual funds - from low-risk type of bond fund to high-yield and risky ones investing in certain sectors of the economy.

Raiffeisenbank is the registrar and custodian of Raiffeisen Capital funds, which is not surprising at all. Also, it is he who is the agent for the distribution of shares - i.e. you can buy them only at the bank.

The auditor of the funds is Marillon LLC.

Each of the Raiffeisen Capital mutual funds offers its own offer, which must be familiarized with before purchasing a share. Despite the fact that the conditions for investing in Raiffeisen's mutual funds are currently the same, the company may amend certain positions.

But today the acquisition of units of mutual funds in Raiffeisen Capital is made on the following terms:

• initial investment amount - from 50 thousand rubles;
• the amount of subsequent replenishment - from 10 thousand rubles (i.e. for owners of mutual funds);
• surcharge, i.e. purchase commission - no;
• discount, i.e. sale commission - 3% for shares held for up to 2 years, 1% - from 2 to 3 years, 0% - over 3 years;
• management fee, etc. - not charged.

Shares of all mutual funds can be easily exchanged for others belonging to the Raiffeisen management company, except for Precious Metals.

Review of mutual funds

Now about what specific mutual funds Raiffeisen offers. The choice, in fact, is great, you can choose between 17 names:

• "Bonds" - specializes in investing in corporate and government bonds, the yield of the Raiffeisen mutual fund for the last year - 2.87% (I take the data for the last year from the official page of the fund);
• "Corporate bonds" - yield 5.11%;
• "Debt markets of developed countries" - investments are made through index ETFs in the economies of China, South Africa, India, Brazil, etc., a profit of 10.57%;
• "MICEX Index" - over the past year, the fund earned 23.95%, as an alternative, you can use the index unit investment fund from Sberbank;

• "Shares" - at gunpoint Russian shares, the approximate return is 18.77%, and do not forget about the risks that are inherent in our stock market;
• "Raw materials market" - + 40.05%, the whole oil and extractive industry is gathered here, which feels good even in the crisis;

• "Consumer sector" - here are retailers, over the past year –17.75%, which is not surprising;
• “Electricity” - this industry also felt bad, the yield was negative - 15.3%;
• "Industrial" - this Raiffeisen mutual fund invests in companies full cycle production, profitability - 8.39%;
• "USA" - mutual fund invests in US stocks through index fund, profit for the last year 20.35%;
• "Active management fund" - the manager is actively reshuffling the shares within the fund, using point investments for a specific investment, over the past year the fund earned 11.92% of the profit;
• "Emerging markets" - mutual fund invests in equities of countries with emerging economies, mainly in Asia, with a yield of 5.98%;
• "Europe" - investments are made through an index fund in the shares of European companies, over the past year the fund suffered losses of 2.8%;
• « Information Technology»- the fund's strategy involves investing in expensive IT companies, over the past year the mutual fund's profit was 13.5%, but whether to invest in an overheated market or not is up to you;

• "Gold" - it is gold in Africa, that is, a protective asset, the fund's return is 5.16% per year;
• “Precious Metals” - here, in addition to gold, the basket also contains silver and shares of companies in the mining sector of the economy, profitability over the past year - 7.25%;
• Dividend Stocks is a relatively new fund investing in Russian dividend aristocrats, with a yield of + 13.17%.

I repeat once again: past profitability does not guarantee the same profits in the future. It is necessary to study the entire schedule and compare the effectiveness of managing a mutual fund with a benchmark. Only then can mutual funds be adequately assessed.

How do you like Raiffeisen Capital mutual funds?

Poll Options are limited because JavaScript is disabled in your browser.

27.10.2018

In order to purchase the mutual funds offered by Raiffeisen Capital, you must leave an application on the website, and then go to the nearest branch of Raiffeisenbank, draw up an agreement there and make a purchase. Purchasing online is only available to those who have already opened an account with the company and purchased shares. New clients - only to the bank.

My review

In general, my review of Raiffeisen's mutual funds is positive. The company offers good funds to choose from - you can build a diversified portfolio. However, the minus is a large amount of investment: not everyone has free 50 thousand rubles. Sberbank or VTB has a lower entry threshold. A large amount of entry makes it difficult for a novice investor to collect a diversified portfolio. To invest in at least 5 different funds, you will need at least 250 thousand rubles.

A significant plus are minimum commissions... You don't have to pay anything for the purchase of shares. There is also no management fee - it is already included in the share price. If you hold shares for more than 3 years, then you will not need to pay a discount. Let me also remind you that if you own shares for more than 3 years, you will not need to pay income tax natural person... So, if you buy shares in the Raiffeisen mutual fund and keep them until the victorious - for more than 3 years, then you will not have to pay anything at all. Get a net profit. So go for it - good luck and may the money be with you!

Read more, it's interesting!

A mutual fund is a fairly popular investment instrument today, which is actively offered by banks at any opportunity, and RaiffeisenBank is no exception.

For those who do not know what kind of "beast" it is, we have prepared a small educational program.

Unit investment fund - mutual investment fund - a kind of " financial structure", Which has nothing to do with the" pyramids "and other inventions of the era of" dashing 90s ". In fact, it is a service company, which, like a bank, is a professional investor. Anyone can deposit their money in a mutual fund with minimal effort. In return, he receives a “security” or share confirming the amount of the deposit. The fund, in turn, depending on the specialization, invests the funds received in the real sector of the economy, precious metals, other securities, etc. The specialization of a fund is usually directly indicated in its name.

A mutual fund is “in charge” of a management company (“general director”), the purpose of which is to increase the assets of the fund and, consequently, to enrich its depositors. Depending on the efficiency of work " general director»The investor can receive both income and loss.

Of course, no one distributes any dividends for the year. The shareholder receives actual income in the event of selling his share at a price higher than the purchase price of this share, as well as commissions of the management company (if any). We strongly recommend that you find out about the size of such commissions in advance.

Compared to bank deposit, then, of course, a mutual fund is a more risky investment instrument. However, as in any financial business, “risk costs money,” therefore, as a rule, the profitability of a mutual fund can be significantly higher than the contribution in a successful combination of circumstances.

At the same time, a mutual fund is much more flexible: a shareholder can at any time increase or decrease his share by buying / selling at the current market value of the share.

However, remember that when communicating with a mutual fund consultant, it is very important to understand all the details of the fund's activities (specifics, strategy, portfolio, terms of an agreement with management company etc.). Remember, there are no stupid questions! But stupid mistakes out of ignorance and a real loss of your own money - the threat in this case is quite specific.

"What, where, when" - overview and dynamics

Let's see how things were with the mutual funds managed by Raiffeisen Capital in 2015, which was so difficult and eventful. We will compile the rating of the success of mutual funds in terms of the level of profitability growth in comparison with 2014. This is how the places were distributed:

1. Raiffeisen - Promotions . The fund specializes in shares of leading Russian companies, which form long term development national economy(these are not only companies in the extractive sector, but also in the financial and consumer sectors). A fairly diversified option in terms of risks. Despite the difficult political and economic relations in the world, mutual funds in this direction showed the highest growth - 36.8%.
2. Raiffeisen - Raw materials sector. This package consists of leading companies producing and processing oil, gas, as well as metallurgy and mineral fertilizers. Perhaps that is why the increase in profitability is slightly lower - 36.3% (the portfolio is more highly specialized).
3. Raiffeisen - Information Technology. In the era of development of cyberspace and communications, this investment option can be considered a win-win, since it assumes the most beneficial risk / return ratio even in an ambiguous economic situation... This turned out to be true in 2015 - 33.48% growth.
4. Raiffeisen - Bonds. It is considered the most conservative mutual fund, since it is based on debt securities of companies with a high share of government participation. Most likely, thanks to the strategy "you drive quieter, you will continue", according to the level of profitability such a mutual fund is always among the leaders - 29.04% growth.
5. Raiffeisen - Foundation for Active Management. The portfolio includes shares of the largest Russian and foreign companies and assets of promising second-tier foreign companies. Also a win-win option with a competent diversification of investments - 27.35%.
6. Raiffeisen - USA. The fund for investors who have no doubts about the success and steadiness of the world's largest economy has shown a fairly good result. The case when “the student's record book works for the student” - 27.34% increase.
7. Raiffeisen - Industrial. The portfolio is based on companies in the metallurgical sector, as well as companies in related industries: construction, mechanical engineering and the chemical industry. An unexpectedly good result in a “crisis” - 24.41%.
8. Raiffeisen - Consumer sector. Even despite the crisis, which primarily affects companies in the consumer sector due to a decrease in the purchasing power of the population, unit investment funds showed an increase of 23.08%.
9. Raiffeisen - Blue-chip MICEX Index. The fund is in the category of "passive management", as it follows the dynamics of the MICEX index. The increase is 23.07%.
10. Raiffeisen - Debt markets of developed countries. The portfolio consists of corporate debt assets of the largest American and European companies with high credit quality - 19.99%.
11. Raiffeisen - Europe. The mutual fund also belongs to the category of "passive", as it follows the dynamics of the development of the MSCI EMU index (formed from the shares of the largest companies in Europe, which are part of the Economic and Monetary Union) - 18.35%.
12. Raiffeisen - Balanced. As the name suggests, the strategy of the mutual fund is a combination of debt and property securities of the largest international companies - 14.17%.
13. Raiffeisen - Gold. Historically, it is considered the most stable investment, especially during the period of the depreciation of the ruble - 12.86%.
14. Raiffeisen - Treasury. The lion's share is made up of government securities of the Russian Federation. Like gold, this is also an investment with the lowest degree of risk, and therefore a high level of return should not be expected - 11.42%.
15. Raiffeisen - Electricity. The bet on companies in the electricity sector in 2015 can be considered not very successful - only 10.28% growth.
    Raiffeisen - Emerging Markets. Investments in emerging economies have fallen short of expectations this year, with only 7.23% annual growth.
16. Raiffeisen - Precious Metals. An obvious outsider, as the only one “came to the finish line” with a negative result: - 6.04%.

In general, 2015 can be called quite successful: more than half of Raiffeisen Capital's mutual funds showed an annual growth of more than 20%, that is, inflationary risks were leveled. However, as with weather forecasting, any forecast financial success of this or that mutual fund for 2016 is doomed to failure in advance. Optimists, as always, will believe in a bright future, while pessimists will try to get rid of mutual funds as soon as possible in order to fix the existing profitability. To whom to attribute yourself, decide for yourself.

Raiffeisen - Capital is one of the largest management companies of open and interval mutual funds in Russia, which occupies about 12% of the market. The company offers investors about two dozen open-ended mutual funds.

Fund overview

Raiffeisen-Shares offers investment of funds in shares of leading Russian companies, which determine economic development country.

"Bonds", in essence, is the purchase of a debt instrument that will generate income slightly higher than bank deposit... But at the same time, the investor risks less in comparison with the acquisition of 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.

Foundation "USA" by and large, represents an investment in the development of the economy of the United States of America. Today it is the most developed country in the world.

The "Raw Sector" offers investment in leading companies producing and refining oil, gas, metallurgy and mineral fertilizers.

Information Technologies offers shares in telecommunications companies (mobile communications, television, etc.).

Elektroenergetik represents a portfolio of shares of leading companies involved in the production, transportation and sale of electricity.

The Blue Chip MICEX Index is a fund that has combined the shares of companies in leading sectors of the economy and follows the dynamics of the “index”, which allows the shareholder to passively manage their investments.

The Industrialny Fund includes a block of shares in metallurgical, construction, machine-building 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 development of the MSCI EMU index, the shares of the largest companies in Europe, which are part of the Economic and Monetary Union.

"Gold" allows you to protect and increase your capital during the fall Russian ruble in relation to the leading currencies of the world.

"Treasury" involves investing own funds v corporate bonds, deposits and government securities.

The Active Management Fund is a fund of shares of the largest companies in the world in various manufacturing industries.

“Eurobonds” involves the acquisition of government and corporate Eurobonds with the possibility of obtaining a yield slightly higher than from foreign currency deposits.

The "Second Tier Equity 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 protecting capital and obtaining in the long term high profitability.

Dynamics of growth in the value of a share and NAV

Raiffeisen - Promotions. Throughout 2013, the dynamics of growth in the value of shares demonstrated quite a decent result. 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 share increased by 18.10%. Since the beginning of 2014, the growth has fallen to -9.70%, but in May there is an increase of 13.60%. In June, the positive dynamics of growth in the value of shares continues to develop.

The Bonds Fund is not the most best market for investment if you want to get high returns. On the other hand, here the investor carries minimal risks... Activity in this market is minimal, however, since the beginning of 2014, there has been positive dynamics, and analysts see no reason to reduce the value of shares and NAV.

"Balanced". In 2013, the dynamics of growth in the value of a share and NAV behaved steadily and evenly, the share growth in 2013 was 16.50%. Since the beginning of 2014, the dynamics of the share value has dropped to -6.9%. However, already in May, the value of stocks and bonds rose sharply, and the growth in one month alone amounted to 10%.

"Consumer". Throughout 2013, the dynamics of growth in the value of shares showed a very good result. Thus, in 2013 the increase was 33.60%. After a sharp collapse in the value of a share in January, and then in March 2014, it is gradually gaining momentum, however, 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%

"Raw materials sector". Things are also not very good, the value of the share is slowly but surely striving upward, its growth is 5.80% in May of this year, since the beginning of 2014 the increase was 4.40%, which is 0.60% higher than in 2013 of the year.

Raiffeisen indicators - Information technology has been steadily striving upward since April 2014, only in May the increase was 7.70%.

Thanks to contracts with Chinese companies, all securities in the Raiffeisen - Electricity portfolio have grown significantly, which reduced the negative growth result to -4.60% at the beginning of 2014, from -43.30 at the end of 2013.

Industrialny also shows positive growth dynamics. At the end of 2013, the increase in the share showed a negative result of -17.2%. Thanks to good growth dynamics since the beginning of 2014, this indicator decreased to -0.20% by May.

The Emerging Markets Fund is showing excellent results. All indicators are skyrocketing and have grown by 7.40% since the beginning of 2014.

The growth in the value of the NAV and the share of the open-ended mutual fund Raiffeisen-Europe since the beginning of 2014 is also steadily striving upward.

In recent years, the precious metals market has not been better times, the cost of gold and other precious metals is constantly decreasing. Therefore, now you should not invest your funds in Raiffeisen - Gold and other funds.

Kaznacheyskiy 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 value of the NAV Raiffeisen - Active Management Fund has grown by almost 590% since April 2013, the value of the unit has grown by 19%, and the growth dynamics continues.

The dynamics of the value of the NAV and the unit of Raiffeisen mutual fund - Eurobonds also shows stable positive growth.

So, after analyzing the dynamics of the value of all Raiffeisenbank mutual funds, we see that top scores showed Raiffeisen - Active Management Fund, Raiffeisen - Commodities Market and Raiffeisen-Europe. The worst indicators are shown by Raiffeisen-Gold and Raiffeisen - Electricity.

In general, Raiffeisenbank demonstrates a positive development of mutual funds, so if you have funds and are ready to invest them in the developing spectrum of the economy, buy units of Raiffeisen - Capital.

You can purchase shares of Raiffeisenbank UIF at the points of acceptance of applications of the Management Company, namely from agents or at the bank's offices, the addresses of which are indicated on the official website of Raiffeisen - Capital.