The BCS financial group was founded on June 20, 1995 in Novosibirsk as the BrokerCreditService company, the abbreviation of which became the current name of the company. In March 2000, BCS was one of the first on the Russian market to offer investors an Internet trading service, and in July 2000, a Brokercreditservice office opened in Moscow. According to information from the official website

Today FG BKS is among the leaders Russian market brokerage services. It has an extensive branch network - as of November 30, 2012, 63 offices and more than 70 agency points in the largest cities of Russia. FG BCS is one of the leading operators of the Russian stock market in terms of the size of its client base - more than 100,000 clients consisting of brokerage services. At the same time, the company is the absolute leader among Russian brokers by number of clients legal entities- more than 3.7 thousand companies operate on the stock market through the BCS company.

Currently, BCS broker is a successfully developing mobile financial company, working simultaneously in several directions. The key activity is working with all the diversity of domestic and foreign financial instruments. This area provides services and platforms for online trading, asset management, consulting and financial and analytical support. A separate direction is banking activity with all its breadth banking products and services, as well as insurance services within the framework of financial activities. The BCS broker offers its partners and clients educational courses and a wide selection of training materials. Company turnover according to Moscow Exchange statistics:

Thus, the BKS company outperforms its nearest competitor by almost three times. However, if we take statistics on active clients, then the situation will change noticeably:

Here FG BKS took fourth place, although the gap from first and even second place is quite small; however, the company has some work to do. Current ratings:

The financial group is divided as follows:

• BCS is a broker working in the direction of stock markets, providing for this purpose services and trading platforms of the global and Russian level, as well as the necessary analytics;

• BCS Bank, operating in the framework of providing banking services to retail and corporate clients in the area of ​​lending, opening card products of a credit and deposit nature, carrying out cash transactions and services, accepting funds for opening deposits from individuals;

• BCS Premier is a retail brand of a financial group that organizes the work of a branch network to serve private clients within the framework of access to the company's brokerage, banking, insurance and investment products;

• BCS Ultima is another brand of the company that provides services to wealthy privileged clients;

• BCS Prime - this division works in the direction of investment and banking services, providing consulting services and services in the prime brokerage category;

• BCS Forex - customer service in the foreign exchange market, as well as in the markets of the USA, Germany and France (more than 400 trading instruments). You can receive bonus air miles for turnover of funds;
  

BCS Cyprus (BrokerCreditService) is a subsidiary of BCS registered at the end of 2004 in Cyprus to provide services on international markets, i.e. acts as a sub-broker. Member of the London stock exchange, also providing trade currency pairs(from 1 dollar with leverage 1:200 and min. lot 0.01), contracts for difference, gold and silver;

• Management Company BKS is engaged in direct trust management, and also manages mutual funds and pension savings.

BCS Premier service

Compared to remote banking services on standard conditions and the usual set of options from other companies and banks, the BCS Premier remote service system tries to build a chain of relationships with the client based on an individual approach. In fact, the system’s work is not only to inform the user about the state of his finances, but to find optimal financial solutions for him. Another question is that these “optimal” solutions may turn out to be much more optimal for the broker, forcing the client to perform certain actions on his account that are inevitably associated with commissions. In other words, the system thinks for the client, generating options for the current situation and based on personal financial planning technologies. As part of a partnership, the company can provide borrowed funds to the client, and in this case it is possible to use securities that are in the client account as collateral. It is interesting that when receiving borrowed funds, the collateral assets are not frozen and the client retains the right to use them at his own discretion. Borrowed funds usually issued no more than 24 hours after submitting the application; Loan repayment terms are quite flexible and are not limited to a specific date. Considering the service system of BCS Bank and BCS Premier in context, we can highlight following features its uses:

• The interface is relatively convenient, there are informative tabs;

• Opportunity to receive advice and assistance from a financial advisor;

• A wide range of investment instruments (investment funds, structured products, trust management, savings and investment insurance options), which can be selected with the help of a financial advisor;

• The ability to open debit cards with a wide range of additional bonus programs, including return of interest on purchases and accrual of up to 7.5% on the balance, as well as the inclusion of insurance programs;

• Possibility of purchasing and withdrawing currencies online

BCS Premier also provides a universal service system within personal account with the ability to remotely open a single brokerage account. Through your personal account, direct access to international trading platforms, analytics and support, as well as training and professional development opportunities.

BKS express service

The BCS Express division presents the most important events of the domestic and international financial markets, as well as significant economic and political events. At the same time, there are trading recommendations and indicators technical analysis, quotes, charts. It should also be noted that BCS analytics are not always timely, without the necessary explanations, which can cause a number of difficulties for a beginner. Professional brokers point out, although not a critical, but still a drawback - there are only two main news providers, while at Sberbank a similar service is supplied with news from different sources by different suppliers. There is an opportunity to ask a question to an analyst or begin training within the framework of the presented courses. A simple and intuitive interface makes working with the service much easier. Thus, cooperation with the BCS broker and work at BCS Premier provides good starting opportunities for a novice trader. As an investor, I am most interested in the products of the BCS Broker company, which I will discuss below.

BCS broker trading strategies

The BKS company has its own trading robots and offers them as one of the investment products. Current strategies can be found at this link: http://broker.ru/signals

There are currently about 30 pieces available. By clicking on each of them and scrolling down the screen, you can see the trade in more detail:

Although in this case (Titan strategy) the result is clearly better than the benchmark (MICEX index), in other cases I looked at the results were either comparable to the index, or even noticeably lower than it. Moreover, the level of risk in this strategy is designated by the company itself as maximum, so the decision to invest should be made with great caution; When investing in rubles in modern conditions, you should subtract the interest on inflation and decide whether the possible result is worth the risk associated with trading. Let me remind you that passive investing over the long term beats at least 80% of professional managers and strategies, and in these cases you pay commissions almost an order of magnitude higher than passive mutual funds. Actually, using a combination of strategies, one can arrive at the same ratio. In addition, the following story is connected with the trust management of the Cyprus subsidiary of BCS:

BCS broker tariffs

All tariffs of the BCS broker in three sections:

• stocks and bonds;

• futures and options;

• currency

The initial amount for opening an account is at least 50 thousand rubles. At the same time, according to the first tariff, the minimum commission collected by a BCS broker is 177 rubles per month, for BCS Start - no less than 354 rubles per month. At the same time, at least 35.4 rubles are charged per day on both tariffs. The fee for the QIUK terminal is 300 rubles per month, but if at the end of the month the account balance is more than 30 thousand rubles, then this fee is not charged. Moreover, even in the case of a small balance, the client usually pays not 300 rubles, but less, since the previously discussed commissions are calculated from this amount. If the account has been open for more than six months, and the amount of assets is less than 100 thousand rubles, then the broker will withdraw 200 rubles per month, regardless of the presence of transactions. However, as in the case before, this fee is reduced by the amount of other commissions (for the depository, software and other costs).

Mutual Funds BCS

In this section ( https://bcs.ru/am/pif) the company offers six different products:

• National bonds

• Dividend ideas

• Foreign funds

• Global markets

• Technologies

• MICEX Index

Entrance from 50,000 rubles, which is noticeably more compared to the average contribution to a mutual fund (usually no more than 15,000 rubles). BCS mutual funds have the advantage that their commission is usually noticeably lower trust management- however, it is still noticeably higher than passive exchange-traded funds. For the above mutual funds BCS statistics look like this:

As we can see, all funds outperform the MICEX index, but half of them were created only at the beginning of 2014, so their management history is still too short to draw any conclusions. However, if you take an index fund that follows the movement of the MICEX index, it turns out that the company has a better result compared to its competitors:

Moreover, the index mutual fund from BCS not only showed the best profitability, but was also ahead of its competitors over all time periods, which indicates the excellent quality of fund management. The downside is that the total management fee can exceed 5%, which is prohibitively high for an index fund with a capitalization of almost 100 million rubles. However, the graph shows the investor’s net profitability, cleared of fees and expenses of the management company, so the company can afford such commissions - all that remains is to pay the 13% income tax.

In addition to mutual funds, the BCS company also deals pension savings according to two strategies: profitable and balanced. At the end of June 2015, the first managed about 650 million rubles, the second - about 55 million. Those. in the amount of more than 700 million rubles. In terms of profitability over five years, the company with the “profitable” strategy ranks second among 35 management companies, which is a very good result (although the balanced strategy performs noticeably worse and is in the bottom third of the list):

BKS structural products

A structured product as a class is generally a favorite and traditional brokerage product, which for an investor is often presented as a risk-free bet, but in reality can result in at least a loss to the bank deposit and therefore inflation; the broker will calmly receive his commissions and offer the next investment idea. Current offers from the BKS company can be seen below:

Current list of offers here: http://broker.ru/sp. The list above contains shares of famous world and Russian companies, oil; There are quite a lot of options. Structured products often have commissions built into them that are invisible to the investor, and the risks of these products are usually downplayed by the company - especially in cases where we're talking about about a fairly high profitability. And it was with the structural product of Brokercreditservice that a very unpleasant story happened for the company, which you can read about.

BCS individual investment account

Like other brokers, you can trade yourself or try this or that strategy with the BCS company within the framework, the most important thing about which is summarized in the screenshot below (an account can be opened in two options):

More details here: https://broker.ru/brokerage/services/account . The BCS broker also offers special strategies for this account; details are available upon request. Here it is important to understand the purpose of the IIS - you will receive a 13% deduction in any case and there is no need at all to agree to the options offered by the broker. IIS is a shell, the filling of which is best done independently - when entrusting this process to a broker, you must remember the conflict of interests (what is beneficial to the broker is not necessarily beneficial to you) and be strongly interested in all possible risks and commissions. It is possible, for example, that the complex product offered by the broker is much more profitable to buy separately using the appropriate tools. Regarding the real risks of complex products, there is both a screenshot and a link in the text a little higher.

BKS company in the American market

As part of a single brokerage account, the BCS broker provides access to trading on the American stock market with access to 4,000 shares and 1/4 leverage. Account opening amount from $10,000, work in progress through the structure of BCS Cyprus. Future plans derivatives market USA. By the way, the company has an FCA license (KEPEY 048/04), as well as accreditation on the London Stock Exchange (LSE). It is possible to use shares of the Russian market as collateral for the purchase of foreign shares, for example. take Apple shares for Gazprom shares. For trading, the familiar to many is used Quik terminal. Trading fees on American stock exchange are at the level of the Moscow Exchange.

Dmitry Danilin joined BKS Management Company in 2018 as an asset manager. Manages the mutual funds “BCS Perspective”, “BCS Technologies of the XXII Century”, “BCS Empire” and the trust management strategies “XXII Century” and “Growth Strategy”. Works for financial market since 2001. Before joining BCS Management Company, he worked at Sovcombank, Limitless Capital, Region Management Company and Otkrytie Management Company. Graduated from the Faculty of Mechanics and Mathematics of Saratov State University; is a CFA charter holder.

Yuri Kostrov came to BKS Management Company in 2013. Mr. Kostrov is responsible for the development and management of the Fundamental Choice trust management strategy, as well as the BCS mutual funds Precious Metals" and "BCS Fundamental Choice". In terms of profitability and volatility characteristics, the Fundamental Choice strategy is superior to large funds of Western companies. Operates in the financial market since 2001. Before joining BKS Management Company, Yuri Kostrov worked at Everest Asset Management.

Maxim Litivnov joined BKS Management Company in 2018. Manages the mutual fund “BCS Osnova”, the strategies “Coupon income of the Russian Federation”, “Capital preservation”, “2+2”, “80/20” and a number of others. Operates in the financial market since 2011. Previously worked at RSHB Asset Management Management Company, Nomos Bank, Raiffeisenbank. Graduated from the Faculty of Economics with a Master's degree in Financial Analyst (CFA Institute University Affiliation Program) and a Bachelor's degree from the Faculty of Management at the National Research University Higher School of Economics.

Has FFMS qualification certificates series 1.0 and 5.0.

Mutual funds are increasingly being chosen by investors as an alternative to bank deposit accounts. This is not surprising, because this method investing involves obtaining a higher return on investment. But only the competent management them. To be sure of this, you need to contact a trusted management company. Today we will talk about.

UK BKS is one of the most reliable organizations in the investment market. BCS has been working in this area for more than fifteen years.

The company offers several types of mutual funds, each of which has a number of advantages. For investors who have little knowledge of the investment market, choosing a mutual fund may seem like a difficult task. A few questions about the expected results of placing funds will help you solve it. When turning to mutual funds, investors seek to either preserve savings with minimal risk, or increase their contribution by risking investing in securities that are less protected but promise greater profits.

The VKS company offers the following investment conditions for its funds: the minimum initial contribution is fifty thousand rubles, the amount additional contribution- from five thousand rubles. The shares are managed around the clock; the investor can track changes in their value independently on the BCS portal.

Types of company funds:

– BKS Mutual Fund National Bonds.

Most suitable for investors who do not want to risk money. Allows you to save your savings. Contributions will be spent on the acquisition valuable papers various Russian companies operating in all sectors of the economy - banking, transport, industrial and others. Bonds are reliable, but at the same time they are characterized by a low degree of profitability.

– Mutual Fund BKS Technologies.

The most promising, at the same time, the most risky. Funds from this fund are invested in organizations involved in high-tech developments. Among the industries of interest of these companies: Internet, mobile communications, finance, media, biological developments and others.

Most organizations operate abroad. The risks of investing in this fund are higher, but the expected profitability also exceeds the offers of other funds.

– Mutual Fund BKS Global markets.

The areas of interest of the companies in which funds from this fund are invested are the following: high technology, financial organizations, Computer techologies, raw materials, etc.

The risks and returns here are as high as in the previous fund. The difference is that this fund focuses on both Russian and global stock markets, as the name suggests.

Management Company BKS Mutual Funds Reviews.

Any large company has an established reputation. You can find many different reviews about BCS Mutual Funds quotes - both laudatory and negative. A certain percentage of investors are satisfied with their cooperation with the company; there are also those who were disappointed.

BCS support specialists promptly respond to any comments and do not ignore any feedback. Among the positive ones, the professionalism of employees and the ability to avoid conflict situations predominate. Among the negative ones is imposition additional services, difficulties in withdrawing funds, excessive activity in negotiations with investors. In any case, we should not forget that the approach to each client must be individual, and one situation may seem both negative and positive to two different investors.

Currently, many Russians are tormented by the question of how to preserve their savings during high inflation and earn money. Bank deposits are reliable, but their low returns barely cover the inflation rate. And to play on the stock exchange on your own, you need a significant start-up capital, as well as investment experience.

What should a novice investor do in this situation? The answer is obvious - invest in mutual funds (mutual investment funds). When deciding to join a mutual fund, first of all, you should choose a management company. BKS Management Company is one of the most stable and reliable companies in Russia, engaged in investments since 2000.

Due to the fact that BCS is part of a group of companies, this gives it the opportunity to use the most current technologies. Thanks to this, the management company has high growth rates and many reviews left. Mutual funds of this management company can often be found at the top lines of the ranking in terms of profitability.

However, most reviews about BCS concern the work of the bank, and not the management company. This is due to the unpopularity of investing in our country.

Among the main advantages of UK BKS are the following:

• high AAA rating;
• extensive agent network throughout the country;
• more than 12,000 satisfied customers.

Having decided on a company, you should wisely choose the mutual fund that best suits you. To do this, you need to answer for yourself next question: What goal do you want to achieve when investing? This can be either maintaining savings at a minimum level of risk, or a desire to take risks and try to earn more.

General characteristics of BCS management funds:

• sum down payment– from 50,000 rubles;
• amount of additional contribution – from 5,000 rubles.

You can always track changes in the value of the share and securities quotes online on the website of the management company.

This is a conservative fund that is suitable for those investors whose main investment goal is to preserve money. Indeed, bonds are one of the most reliable securities, but they also have a fairly low yield.

Invested by you cash will be used to purchase promising securities of issuers from different sectors Russian economy. You also get the opportunity to invest in Eurobonds.

So, where will your money be invested:

• banking sector;
• investment companies;
• deposits and cash;
• fixed-term contracts;
• transport;
• technologies;
• mechanical engineering.

The Foundation also offers additional opportunity purchasing shares during market growth.

Mutual Fund "Foreign Funds"

If you want to protect your savings from the fall of the ruble exchange rate (which is important nowadays), then pay attention to this mutual fund.

Where will your money go:

• ETFs (foreign investment funds whose securities are traded on the stock exchange);
• deposits and free liquidity;
• fixed-term contracts.

The main advantage of this fund is the diversification of assets, i.e. their distribution into different “baskets”, which allows you to save your savings from risk. So, your money will be invested in both bank deposits(minimal risk, low profitability), and in futures contracts ( high risk, high profitability).

Part of the funds will be invested in such futures contracts as currency futures which will help reduce currency risk.

Thanks to these characteristics, the Fund offers the most optimal combination of profitability and risk.

Technology Foundation

By choosing this fund, you are investing in the potential of high-tech companies. Your funds will be invested in the following industries:

• Internet;
• mobile connection;
• microchips;
• media;
• trade;
• cash and deposits;
• software;
• protection;
• biological technologies.

The mutual fund is focused on purchasing shares of foreign companies. The technology sector is considered one of the most promising in the world. It is suitable for aggressive investors who are willing to take on increased risk, but also receive compensation for it in the form of a decent income.

Dividend Ideas Fund

By investing in this mutual fund, you are investing in shares of Russian and foreign issuers that have proven themselves to be a stable dividend policy. Behind Last year this mutual fund showed one of the best profitability results among the line of mutual funds of this management company.

Your funds will be distributed as follows:

• finance;
• bonds;
• metallurgy;
• energy;
• oil and gas sector;
• telcos;
• chemistry;
• deposits and free cash.

Among other things, you get the opportunity to participate in offers and buybacks of shares by companies.

Global Markets Fund

Asset distribution will occur as follows:

• technologies;
• banking sector;
• Internet;
• media;
• consumer sector;
• metallurgy;
• financial sector;
• raw materials sector.

The mutual fund is aimed at aggressive investors. Among its advantages is that it is diversified not only across economic sectors, but also across asset classes and markets. Thus, the fund is focused not only on Russian, but also on global markets.

MICEX INDEX

The mutual fund repeats the dynamics of the largest Russian stock exchange. By investing in this fund, you are investing in the most liquid securities of the Russian market, namely:

• oil and gas sector;
• banking sector;
• deposits and free cash;
• metallurgy;
• consumer sector;
• telecoms;

Among other things, your funds will be used to invest in blue chips. You can monitor stock quotes in real time.

At the end of the year, this fund showed the highest profitability.

Hello dear friends and readers of my blog. Ruslan Miftakhov is in touch and in this article I want to describe my experience of investing in BCS mutual funds.

Like most young people, after studying or going into the army in the early 2000s, I got a job and received a salary, well, that’s how I got a job... my father got a job in an organization where he himself worked, although I didn’t want to work there. But where to go, they said to work means to work, after all, that’s how we were raised. Is not it?

Typical program: kindergarten, school, institute or other educational institution, army and work, work, work... pension if you live, cemetery.

Whatever one may say, this is the matrix of life for the majority of 90-95% of people. And that’s what I thought, since I couldn’t control the first 20 years of my life and my parents decided everything for me, then I thought, at least I’ll change that very long period of life called work.

Receiving a salary and spending it is a road to nowhere, I immediately realized this. If you take out a loan, you will get stuck in debt and your job will definitely never run away into the forest.

But something had to be done, I knew that there was another way, I just had to look for it.

And in one newspaper I read about mutual funds, that you can invest your savings in them and make a good profit. Of course, I caught fire and at that moment I thought that this was exactly what I was looking for to increase my capital.

A BCS office just opened in our city. At that time, BrokerCreditService had mutual funds called blue chips, 50/50 parity, and I don’t remember some other one.

For those who don’t know, a mutual fund is a kind of cauldron where all shareholders, that is, investors invest money and there, with your money and the money of other investors, they invest in stock market instruments.

Purchase of shares

In the mutual fund (share investment fund) I started investing in April 2006, after selling my car, an old Lada Four. Oh, that was a nice car once :)

After selling the car, I gained 20,000 rubles, although I could have gotten more, but since my father was the owner, the outbid persuaded him to pay a lesser amount. Well, it doesn’t matter, in short, I had 20 mowers in my hands and I decided to invest this money in PIF.

The procedure for purchasing shares was tedious; you had to fill out the bank details on the receipt given by the broker, stand in a kilometer-long line, hand over the money at the cash desk and receive a receipt for payment.

This amount amounted to 10-odd shares, since 1 share on the day of purchase cost about 1,900 rubles. So consider 20,000/1900 = 10.5 shares, which is approximately. I can’t remember all the details, since it was a long time ago, you know.

For those who don't know:

Shares are bought in mutual funds; just like a stock, they change in price and can either rise or fall.

By the way, I bought a mutual fund called Blue Chips, from the name it is clear that the portfolio includes shares of blue chips or, in other words, shares of the first echelon, such as Gazprom, Rosneft, Sberbank and others.

Over the years, the name has changed several times to Global Markets, then Global Shares, and is now called BCS Perspective.

I don’t know what the point of all this renaming is, but the fact is the fact.

So 11 years have passed, let's do the calculation and see how many mulens have run into this cauldron :))

What is better: a deposit in a bank or shares in a PIF?

As can be seen from the graph below, at this point in time, 1 share costs about 3,200 rubles. The total is obtained if you sell 10 shares * 3200 rubles = 32,000 rubles. What? Just? Yes, I could have gotten that amount of money for a car 11 years ago.

The result is 160% in 11 years, excluding inflation. If you take into account inflation, then there is a loss, not a profit. If we compare in 2006 salaries were 6,000-8,000 rubles and 20,000 rubles was 3 salaries, then in 2017 32,000 rubles is just one salary.

Now let's do the math and compare whether the game is worth the candle. Let’s say if I had deposited this money in the bank in the same year at an average interest rate of 8% per annum, then by 2017 it would have been no less than 46,000 rubles.

On the condition that I will not withdraw interest all this time and the deposit will be from . Capitalization, who doesn’t know, is when interest is added to the main deposit and interest is accrued again on the total amount.

My conclusions

You need to benefit from everything and draw conclusions, so that later, at least for your children. good advice give, although whether they will listen to my advice, who knows. I hope at least you, my dear reader, will draw the right conclusions from this. If yes, then I didn’t write this article in vain.

So what are the disadvantages of mutual funds:

1. This is definitely an insignificant profit, less than that of.
2. You cannot manage your funds, unlike .
3. In the long term, all the profit is simply eaten up.
4. Bad, that is, you will not be able to sell shares on the day you submit your application.

I’m tempted to say that Ruslan Miftakhov’s blog does not recommend investing in mutual funds.

If you are going to invest, it is better to invest in an instrument such as bonds, I wrote about this in.

Best regards, Ruslan Miftakhov