Joint Stock Company "Sberbank Asset Management" was registered by the Moscow Registration Chamber on April 1, 1996. License of the Federal Financial Markets Service of Russia to carry out activities related to the management of investment funds, mutual funds and non-state pension funds No. 21-000-1-00010 dated September 12, 1996. License of the Federal Financial Markets Service of Russia No. 177-06044-001000 dated June 7, 2002 to carry out securities management activities.

The value of investment shares may increase and decrease, past investment results do not determine future income, and the state does not guarantee the return on investments in mutual funds. Before purchasing an investment share, you should carefully read the rules of trust management of a mutual investment fund. You can obtain detailed information about mutual investment funds and familiarize yourself with the rules of trust management of mutual investment funds and other documents at the address: 123317, Moscow, Presnenskaya embankment, building 10. The rules of trust management of mutual investment funds provide for premiums (discounts) to the estimated cost investment units upon their issuance (redemption). Charging premiums (discounts) will reduce the return on investment in investment units of a mutual fund.

Closed real estate mutual fund "Sberbank - Residential Real Estate" - fund rules registered by the Federal Financial Markets Service of Russia on March 12, 2013 under number 2559. Closed real estate mutual fund "Sberbank - Residential Real Estate 2" - fund rules registered by the Bank of Russia on May 7, 2014 under number 2788. Closed real estate mutual fund "Sberbank - Residential real estate 3" - rules for trust management of the fund were registered by the Bank of Russia on August 27, 2015 under number 3030. Closed-end real estate mutual fund "Sberbank - Rental Business" - rules for trust management of the fund were registered by the Bank of Russia on February 25, 2016 under number 3120. Open-end mutual fund of bonds "Sberbank - Fund" bonds "Ilya Muromets" - the rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on December 18, 1996 under number 0007-45141428. Open-end mutual fund of shares “Sberbank - Share Fund “Dobrynya Nikitich” - the rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on April 14, 1997 under the number 0011-46360962. Open-end investment fund of mixed investments "Sberbank - Balanced Fund" - the rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on March 21, 2001 under number 0051-56540197. Open mutual fund of shares "Sberbank - Fund of shares of small capitalization companies" - rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on March 2, 2005 under the number 0328-76077318. Open-end mutual fund of bonds "Sberbank - Risky Bond Fund" - the rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on March 2, 2005 under the number 0327-76077399. Open-end mutual fund of shares "Sberbank - Natural Resources" - rules of trust management of the fund are registered by the Federal Financial Markets Service of Russia on August 31, 2006 under the number 0597-94120779. Open-end investment fund of shares "Sberbank - Telecommunications and Technologies" - rules of trust management of the fund are registered by the Federal Financial Markets Service of Russia on August 31, 2006 under number 0596 - 94120696. Open mutual fund of shares "Sberbank - Electric Power" - rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on August 31, 2006 under the number 0598- 94120851. Open mutual fund of funds "Sberbank - America" ​​- rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on December 26, 2006 under number 0716 - 94122086. Open-end mutual fund of shares "Sberbank - Consumer Sector" - rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on March 1, 2007 under the number 0757- 94127221. Open-end mutual fund of shares "Sberbank - Financial Sector" - rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on August 16, 2007 for number 0913-94127681. Open-end mutual fund of shares "Sberbank - Active Management Fund" - rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on October 11, 2007 under number 1023-94137171. Open-end mutual fund of funds "Sberbank - Emerging Markets" - the rules of trust management of the fund are registered by the Federal Financial Markets Service of Russia on September 28, 2010 under the number 1924-94168958. Open-end mutual fund of funds "Sberbank - Europe" - the rules of trust management of the fund are registered by the Federal Financial Markets Service of Russia on February 17, 2011 under the number 2058- 94172687 Open-end mutual fund of shares "Sberbank - Global Internet" - rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on June 28, 2011 under the number 2161-94175705. Open-end mutual fund of funds "Sberbank - Global Debt Market" - rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on November 30, 2010 number 1991-94172500. Open mutual fund of funds "Sberbank - Gold" - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on July 14, 2011 under number 2168-94176260. Open mutual fund of bonds "Sberbank - Eurobonds" - rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on March 26, 2013 under number 2569. Open mutual fund of funds " Sberbank - Global Engineering" - the rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on July 5, 2016 under number 3171.

As you know, money should not be kept in a bank account or wallet, but should work for you. There are many ways to invest money and make money. They can be logically divided into stable and unstable. Stable investments include bank deposits. According to the terms of the deposit, after a certain time you receive your deposit and the interest specified in the agreement; in this case, you do not have any risks. Unstable investments are financial investments that do not guarantee you a hundred percent profit, but give you the opportunity to earn up to 60-70% of the investment amount, depending on success. Such investments include, for example, mutual funds. Let's take a closer look at what mutual funds are and how much you can earn from them.

mutual fund is an abbreviation for Mutual Investment Fund. In other words, a mutual fund is an investment in the securities or real estate market with the possibility of receiving a significantly higher income than on bank deposits.

How do mutual funds work?

The algorithm for operating a mutual investment fund is extremely simple and consists of 4 stages:

• The management company creates a mutual fund with a given investment strategy (low, medium or high risk level)
• You (as our client) choose the fund that is most interesting to you and buy a share (analogous to a company share), thereby investing in it
• The fund's assets are invested in various securities or real estate
• You receive income (this figure depends on the growth in the value of the share and is rare, but it can be negative)

Conditions for investing in Sberbank mutual funds

Quite an interesting point that reflects the nuances of investing in mutual funds. So, let's begin:

• The recommended investment period is from 1 year (but you can buy or sell a share on any working day - as soon as the share amount in ruble equivalent increases by an amount, it is enough to withdraw the amount and pay a commission for the sale of the share)
• The minimum investment amount in mutual funds is 1,000 rubles online and 15,000 rubles when visiting the office
• Investments are possible in both Russian and foreign assets

Advantages of mutual funds

The main advantage of mutual funds is the ability to invest in securities without the need to know the basics of working on a securities exchange.

• Mutual investment funds are accessible and convenient (you can invest online from 1000 rubles in an open fund)
• High liquidity of mutual fund units - you can sell or exchange purchased shares on any business day (units can be changed within open mutual funds that are managed by Sberbank Asset Management)
• Your investments are in good hands - specialists from Sberbank Asset Management

Choosing a Mutual Fund of Sberbank

Before choosing a particular investment fund, we recommend that you look at the history of changes in the value of its shares over previous periods and invest in the most successful and, in your opinion, less risky one.

Mutual funds can be open and closed.

Shares of open-end mutual funds can be redeemed at any time (on a business day) and their value is recalculated daily.

Units of closed-end mutual funds are accepted only for a certain period and can be redeemed only on a certain date, according to the rules of the closed-end mutual fund. Closed-end mutual funds generally include funds that buy and sell real estate.

Mutual funds are presented in both rubles and dollars, but here you need to understand that when investing in foreign funds, mutual funds in rubles will decrease if the ruble exchange rate rises against the dollar. This happens because the purchase and sale of shares is carried out only in Russian currency - rubles.

All Sberbank mutual funds can be divided into three risk categories:

• Low risk (If your goal is to receive an income higher than the deposit, protect against inflation and at the same time minimize the risk of losses, mutual funds that invest in bonds are suitable for you)
• With average risk (Optimal combination of risk and return: the opportunity to earn more by purchasing mutual funds that invest not only in bonds, but also in stocks)
• High-risk (These mutual funds invest primarily in stocks, high income is possible, but the risk of losses is much higher. Suitable for experienced investors who are willing to take risks)

The special website of the Sberbank Asset Management company (https://www.sberbank-am.ru) provides all the current information about Sberbank mutual funds.

What mutual funds does Sberbank have?

At the moment, the list of mutual funds in which Sberbank Asset Management offers to invest is as follows:

Open mutual funds with a low level of risk

• Bond Fund Ilya Muromets
• Eurobond Fund
• Global Debt Market Fund
• Money Fund

Mutual funds with an average level of risk

Open-ended bond funds:

• Advanced Bond Fund
• Mixed Investment Fund Balanced
• Gold Fund

Closed real estate mutual funds:

• Commercial Real Estate Fund
• Residential Real Estate Fund 2
• Residential Real Estate Fund 3
• Rental business fund
• Rental business fund 2

Mutual funds with a high level of risk

Open-end equity funds:

• Dobrynya Nikitich Equity Fund
• Small Cap Equity Fund
• Active management fund
• Electric Power Fund
• Natural Resources Fund
• Telecommunications and Technology Foundation
• Global Internet Foundation
• Consumer Sector Fund
• Financial Sector Fund
• Global Engineering Foundation

Sberbank mutual funds: profitability

The income of a Sberbank shareholder is formed due to the difference in the value of shares upon purchase and their subsequent sale. Income is not guaranteed and depends on the activities of the management company and the market situation. Holding fund shares for more than three years exempts you from paying income tax of 13%.

The profitability of mutual funds depends on many factors: the amount of investment in fund shares and the investment period. The average return is 40-70% of the investment amount per year. This percentage is constantly changing. When investing in mutual funds, it is best to create an investment package of shares from assets of varying degrees of risk and thereby diversify investments, for example, invest in shares of foreign funds, domestic companies and one of the closed-end real estate funds. Such an investment package will have average risks and at the same time have high income. In any case, when investing in a mutual investment fund, you must understand that the nearest normal income should be expected in, on average, 1 year in the case of investing in bonds, 3 years or more in the case of investing in stocks and 5 or more years in the case of investments in real estate shares. As for the shareholder's expenses, this is a commission when purchasing shares and a commission when selling them. There are no more expenses.

How to invest in Sberbank mutual funds

You can invest in mutual funds in any way convenient for you: online or during a personal visit to the office. In this case, with a small amount of planned investment in shares, it is profitable to invest online, because the minimum amount of investment online is only 1000 rubles.

Ways to buy Sberbank mutual funds:

• Remotely through your Personal Account (You will be able to select, buy, redeem or exchange shares without visiting the office if you are registered on the federal government services portal (gosuslugi.ru).)
• At the office of the Management Company (You will be provided with detailed advice and will be helped to prepare the necessary documents for any transactions with mutual fund shares. Payment through the bank.)
• At a Sberbank branch (they will help you choose a mutual fund, draw up documents and make payments for mutual fund shares.)

How to find out the value of shares

The cost of a share of each open-end mutual investment fund of Sberbank Asset Management is calculated daily and published on the website www.sberbank-am.ru after 12:00 Moscow time. The cost of investment shares is calculated according to the methods of the Bank of Russia.

All about Sberbank mutual funds

So, let's briefly summarize the Sberbank mutual funds. If you want to get the maximum return on your investment, then you can invest in mutual funds. Investment funds in Sberbank are managed by the subsidiary company Sberbank Asset Management. The company website is https://www.sberbank-am.ru/. There you can, based on the dynamics of growth and decline in the value of shares, choose the most stable mutual fund in your opinion and invest in it. And then, at any necessary time, sell your shares at a time of high profitability and withdraw money from the fund. You should not judge the profitability of mutual funds too quickly - the trend of growth and decline in the value of a share occurs over a fairly long period of time. Therefore, we advise you not to touch your purchased shares at all for 1 year and simply follow the trend in changes in the value of the share. As for funds: they are open and closed. You can invest in open ones at any time and also withdraw them instantly. You can invest in a closed fund only at the moment the fund is opened - after collecting the required amount, the fund is closed and the management company uses its money to purchase real estate - after a certain time, the real estate is sold and you are paid the profit from the sale. The disadvantage of a closed-end fund is the ability to invest in it only for a limited period of time and the opportunity to receive income only after the sale of real estate by the management company.

Sberbank mutual funds are an opportunity, even if you have a relatively small amount of free cash, to make a profitable and safe investment, which will allow everyone to become full-fledged participants in the stock market, without performing any operations on their own and without possessing the special knowledge necessary for high-quality asset management.

The minimum amount at Sberbank is only 15,000 rubles, but you can buy, sell or exchange your share at any time.

Sberbank Asset Management (until November 2012 - Troika Dialog Management Company CJSC) is one of the oldest, largest and most successful management companies in Russia, operating since 1996, and is considered the founder of the domestic asset management industry. The company offers professional services for asset management in the securities market using a collective form of investment - mutual funds (UIFs).

Mutual funds offered by Sberbank of Russia:

• Open-end mutual fund of shares "Sberbank - Share Fund "Dobrynya Nikitich"
• Open mutual fund of shares "Sberbank - Metallurgy"
• Open mutual fund of shares "Sberbank - Oil and Gas Sector"
• Open mutual fund of shares "Sberbank - Consumer Sector"
• Open mutual fund of shares "Sberbank - Telecommunications"
• Open mutual fund of shares "Sberbank - Financial Sector"
• Open mutual fund of shares "Sberbank - Electric Power Industry"
• Open-end mutual investment fund "Sberbank - Balanced Fund"
• Open mutual fund of bonds "Sberbank - Bond Fund "Ilya Muromets"
• Open mutual investment fund "Sberbank - BRIC"
• Open mutual fund of shares "Sberbank - Precious metals market companies"
• Open mutual fund of shares "Sberbank - Infrastructure"
• Open mutual fund of shares "Sberbank - Fund of shares of small capitalization companies"
• Open-end mutual fund of bonds "Sberbank - Risky Bond Fund"
• Open mutual fund of shares "Sberbank - Agrosector"
• Open mutual fund of shares "Sberbank - Global Internet"
• Open mutual fund of shares "Sberbank - Fund of shares of companies with state participation"
• Open-end mutual fund of shares "Sberbank - Active Management Fund"
• Open-end mutual investment fund "Sberbank-Balanced II"
• Open-end mutual fund of bonds "Sberbank - First Echelon Bond Fund"
• Open investment fund of bonds "Sberbank - Eurobonds"
• Open-end mutual fund of shares "Sberbank - First Echelon Share Fund"
• IPIF of the commodity market "Sberbank - Precious Metals Fund"
• Open investment fund "Sberbank - Money Market Fund"

Mutual funds of Sberbank of Russia are varied in their characteristics. There are funds with high returns and high risks and, on the contrary, with low risks, but not high, albeit stable income.

Unlike a deposit, here you are not guaranteed profitability; moreover, you can lose money. Judging by the feedback from our readers, this happens quite often.

The main disadvantage is the commissions when buying and selling shares.

Profitability can be assessed in the table: https://www.sberbank-am.ru/individuals/

Here, as elsewhere, there is a caveat that previous profitability does not guarantee that income will be in the future.

Opinion: if you look at the table above, it is obvious that telecommunications and the Internet are the most profitable investments. Meanwhile, in 3 years, Finance has scored well. Definitely, mutual funds are very long-term investments. Here, rushing from unit to unit is expensive, if only because of the commission.

Sberbank Asset Management also deals with information and information systems, but in those cases the entry threshold is much higher than simply purchasing shares (from 3 million rubles).

Your personal account, namely in the screenshot above, allows you to have all the statistics on your investments at any time, as well as buy and sell shares online. Sberbank has made a significant breakthrough in this direction.

Reviews of Sbrebank mutual funds

He invested 200 thousand rubles in the Electric Power Industry Mutual Fund. In six months, I lost almost 20 thousand due to a decrease in the value of shares. It’s good that we managed to sell quickly and get out. Shares of Russian companies are a risky investment.

Someone won:

I invested 100 thousand on deposit and the same amount in mutual funds. The interest rate on mutual funds for the year turned out to be slightly higher. With larger amounts this would, of course, be more noticeable, but there I think it would be worth going to SB DU, since they have more interesting strategies and use various investment instruments.

If previously the main investment object for ordinary people was only bank deposits, then recently more and more Russians want to invest money in open-end mutual funds ( Open mutual funds) of the same banks, since it is almost as reliable, but the profitability is, as a rule, much higher.

is the largest and oldest financial structure in Russia engaged in asset management in 513.3 billion rubles., operating since 1996 and including all Sberbank mutual funds, including 20 open and 5 closed funds, each of which has its own specifics and asset structure, designed to maximally satisfy the requirements of all categories of citizens.

Sberbank mutual funds

You can buy shares in Sberbank mutual funds at one of the bank’s 141 branches in Moscow. But it is most profitable to purchase shares of the fund in your “personal account” on the website gosuslugi.ru, since the minimum cost of a share is only 1000 rub., while in the branches of the Sberbank Asset Management company you can buy shares for less than 15 thousand rubles. it won't work. When purchasing through agents, the minimum amount may be even higher.

As for commissions, they largely depend on the amount and period of investment ( The larger the investment, the lower the commission). So, having purchased shares of less than by 3 million rubles., you will have to pay a surcharge of 1% , and if the amount is equal to or greater, then in total 0,5% . The situation is similar with “ discount", which for a short-term investment of less than six months is 2% , from 181 days to 371 – 1% , and when investing for more than 732 days it completely absent.

The asset management company charges a commission of 1,2% . The growth dynamics of NAV over the past year amounted to +58.86% and to date its size is approximately equal to 7.7 billion rubles.

As you can see, there are only the most liquid shares that are experiencing gradual stable growth, which indicates a long-term perspective of the direction of the fund's investment strategy.

The sectoral structure of investment looks like this:

• oil and gas – 48.1%;
• finance – 18.3%;
• metallurgy – 10.4%;
• cash – 9.1%;
• consumer sector – 9%;
• telecommunications – 3.1%;
• electric power industry – 1.9%;
• media and IT – 1%.

If the assets of Sberbank mutual funds are made up mainly of shares, you should not expect great miracles from the fund in times of crisis, since over 3 years the return was only 48.26%, and over the last 12 months, only 11.25%. The NAV of the fund is currently 2.23 billion rubles.

The conditions for taking part in the share are the same as for the funds described earlier: the minimum when purchasing in your personal account through the website gosuslugi.ru is 1000 rubles, in bank branches and offices of an asset management company – 15 thousand rubles, the amount of the premium and discounts are also similar. The cost of a share of the Dobrynya Nikitich Share Fund is around 9,000 rubles.

Small Cap Equity Fund

This fund, until 2013 called “ Troika Dialog – Potential", unlike Dobrynya Nikitich, invests primarily in domestic and global developing companies of the 2nd tier with small capitalization (" Reference" (7.8%), " Unipro"(7.4%), Luxoft(5.2%), etc.), in iShares Russell 2000 ETF(13.8%), as well as in many different industries ( to diversify risks).

The structure of the fund's assets currently looks like this:

• electric power industry – 17.4%;
• ETF – 13.8%;
• metallurgy – 12.6%;
• transport – 10.4%;
• finance – 10.3%;
• consumer sector – 10%;
• media and IT – 9.2%;
• real estate – 7.8%;
• cash – 3.1%;
• oil and gas – 3%;
• telecommunications – 1.9%;
• chem. industry – 0.4%.

The fund's focus on small-cap companies introduces significant risk and uncertainty, since not all of them live up to expectations, but when this happens, the profits can be quite significant, which is clearly reflected in the profitability of the mutual fund.

So over 3 years it showed a return of 71.78%, and over the last 12 months - 20.73%, which is quite good, however, it is not very popular and its NAV is only slightly less than 422 million rubles.

The price of a share of the Small Capitalization Share Fund is about 5,000 rubles.

Active management fund

Active management fund

As the name suggests, the main feature of this mutual fund is active management and redistribution of investments between company shares, futures and cash. For diversification purposes, the portfolio cannot contain more than 15% of securities of one company.

As for the composition of shares, the assets of Sberbank mutual funds like this include a mixture of shares of both state and completely non-state companies from different industries, both with large and small capitalization, in general, different, which is clearly visible if you look at the structure:

• cash – 27.2%;
• consumer sector – 17.7%;
• finance – 12.8%;
• real estate – 11%;
• oil and gas – 10.1%;
• transport – 8.5%;
• electric power industry – 5.5%;
• media and IT – 5.4%;
• metallurgy – 1.7%.

The fund has a good return (over the last 12 months it amounted to 14.24%) and an impressive positive dynamics of NAV growth (over 3 years it has grown by almost 200% and now stands at 688 million rubles).

The price of a share of this mutual fund is about 1,600 rubles.

Electric Power Fund

The main investment objects for Open Investment Fund "Electroenergetics" are Russian infrastructure and energy corporations, such as THC-1 (5,8%), RUSHYDRO(12,9%), MOSENERGO(6.7%), etc.

Investments are made in national currency and are focused on the long term ( 3 years or more). The sectoral structure of the portfolio is very simple and includes only 3 items: generating companies – 71.2%, transport – 19.1% and network companies – 7.1%.

Diversification is ensured through intra-industry investments in shares of various energy companies, and this bears fruit, as in 3 years the fund has brought its shareholders 84,53% .

Such a profitability of Sberbank mutual funds is considered considerable, especially when it comes to such a specific industry; on an annualized basis, the profit is 48.89%.

As for the NAV of the fund, it has recently grown significantly (+226.83% over 3 years) and is now approximately 1.15 billion rubles. The price of a share is around 1000 rubles.

Natural Resources Foundation

This open mutual fund, although to a lesser extent than the previous one, is engaged in highly specialized investments exclusively in shares of corporations associated with the mining and manufacturing industries of Russia, such as “ Rosneft"(12.7%), Gazprom(12,1%), Tatneft(4.1%), etc. The structure of the fund’s assets looks like this:

• integrated oil companies – 73.5%;
• ferrous metallurgy – 12.2%;
• precious metals – 6.6%;
• non-ferrous metallurgy – 6%;
• cash – 1.8%.

The return for the previous 12 months was 8.35%, and for 3 years - 80.91%, which is quite good. The NAV of the fund is currently about 941 million rubles. The price of a share is not much higher than 1000 rubles.

Telecommunications and Technologies Foundation

This mutual fund, in full accordance with its name, invests in both domestic and foreign IT, software, Internet companies, mobile operators and electronics manufacturers. The main companies whose shares the fund currently holds in the portfolio are: Megafon (12.3%), Veon (12.1%), Yandex (11.6%), MTS (11%), Apple (4.3%) etc. The industry structure of assets is divided between:

• telecommunications – 50.2%;
• media – 20.5%;
• IT – 16%;
• cash – 11.8%;
• other objects – 1.4%.

Despite the fact that the idea of ​​​​concentrating investments in the field of electronics and the Internet looks very promising, in reality, expectations have not yet been met and the fund’s profitability leaves much to be desired (over 12 months it brought investors only 0.16%, and over the last 3 years 32.94 %). Due to the low profitability, the NAV of the mutual fund is gradually falling every year and currently amounts to 846 million rubles.

As for commissions and the price of shares, their cost is within 3.5 thousand rubles.

Global Internet Foundation

Unlike the previous one, this mutual fund is even more specialized and makes investments in rubles and foreign currency almost exclusively in network and media companies, payment systems and large online stores. You can find shares in the assets of the Global Internet Yandex(15,9%), QIWI(14.1%), (4%), (10.3%), (9.7%) and other well-known companies from this industry. The portfolio structure is divided between only 3 industries: the Internet - 61.9%, media - 36.8% and cash - 1.3%, however, unlike the previous mutual fund, this one brings investors a good income of 10.93% per annum, and for the previous 3 years the profit was 77.39%. The cost of a share is about 3,000 rubles.

It is not surprising that the stable growth in the value of shares attracted 1.9 billion rubles to the fund. from those who want to earn money.

Consumer Sector Fund

The Sberbank Mutual Fund “Consumer Sector” received its name due to the fact that the main direction of investment for it is domestic (mainly) and foreign companies specializing in the production and sale of consumer goods and media products (“ Pyaterochka" (15%), Rusagro(12,9%), M Video (12,2%), Aeroflot(5,7%), Yandex(5.1%), etc.). Investments are distributed by industry as follows:

• retail trade – 58.2%;
• consumer goods – 16.7%;
• media – 7.9%;
• transport – 5.7%;
• cash – 4.3%;
• development – ​​4.3%.

As for profitability, the Sberbank Consumer Mutual Fund brought investors about 10.58% per annum over the past 12 months and 104.25% over 3 years. NAV is 1.943 billion rubles. You can invest for periods from one month to 3 years; the conditions for premiums and discounts are similar to those in other mutual funds of Sberbank. The cost of a share at the moment is 2200 rubles.

Financial Sector Fund

At the moment, the last from our list of open-end mutual fund of Sberbank shares is the “Financial Sector” - a fund that focuses primarily on investments in shares of financial, credit, insurance companies, commercial banks, exchanges and in. Preference is given to domestic organizations, but investments in foreign ones are also not excluded. Investments are made both in rubles and in foreign currency.

Investments are divided into 7 sectors:

• 1st tier banks – 30.9%;
• 2nd tier banks – 26%;
• Internet – 13.1%;
• exchanges – 13%;
• ETF – 8.5%;
• cash – 5.2%;
• processing, investment companies – 3.2%.

The management company's main strategy for this fund is based on purchasing shares with good growth prospects. When selecting assets, Sberbank analysts carefully study its prospects based on technical data and fundamental factors, thus achieving impressive profits.

Despite the small size of NAV, only 196.2 million rubles., over the last year, the fund brought its investors 38.66%, and the return rate for 3 years is almost 81%.

Units of the Mutual Fund “Financial Sector” Fund cost not much more than 1000 rubles.

Open mutual investment fund "Balanced"

Sberbank has only one mixed fund and it is called “Balanced”, previously also known as “ Troika Dialog – Druzhina».

Balanced Fund

The name speaks for itself: the fund combines investments in stocks and bonds in the most favorable proportions, which provides good results in the long term, bringing moderate profits in bull markets and smoothing out risks in bear markets. Fund managers constantly monitor the state of affairs in the economy, increasing the share of bonds in falling markets, and stocks in growing ones.

The securities chosen are predominantly Russian, investments are made in both rubles and dollars. Despite the fact that a significant share of the fund's assets is invested in stocks, due to the presence of bonds, the risks are much lower than those of the Sberbank Mutual Fund Consumer Sector or Telecommunications and Technology. The sectoral structure of the portfolio looks like this:

• bonds – 39.4%;
• oil and gas – 27.9%;
• finance – 11.6%;
• metallurgy – 4.5%;
• consumer sector – 4.5%;
• real estate – 4.1%;
• telecommunications – 2%;
• electric power industry – 1.6%.

The fund provided 10.75% return over the last year, the figure for 3 years reaches 57.15%. NAV over 3 years has grown by almost 300% and currently amounts to 1.58 billion rubles.

You can buy a unit of the mutual fund “Balanced” for 70 thousand rubles.

Open mutual funds of the funds

In general terms, this group of Sberbank mutual funds is characterized by a long-term focus on foreign currency investments ( 2-3 years at least) and investing in one specialized ETF fund with subsequent passive management.

America Foundation

This fund, also known as “Sberbank – Fund for Shares of Companies with State Participation” until the end of December 2013, makes high-risk foreign exchange investments in American stock ETFs - SPDR S&P500, thus providing everyone with a minimum investment of funds and without wasting their time to earn money on the rise of the American stock markets.

Returns over the past year have been small at just over 1%, but the three-year return is over 79%. However, the fund is not particularly popular, and its NAV is only 484 million rubles. The cost of a share is up to 1500 rubles.

Fund "Europe"

Previously, the fund was called “Sberbank – Precious Metals Market Companies”, but now it has been reduced to one word “Europe”. In its essence and strategy, it is similar to the previous one, the only difference is that investments are made in an ETF focused on the European stock index.

• The profitability is also not very high (for the year only 2.55%, for 3 - 26.95%), the NAV is even less than that of America - only 138 million rubles. and is steadily falling. At the moment, the cost of a share is below 1000 rubles.

Emerging Markets Fund

Until the end of 2013, the fund, known as Sberbank - BRIC, invests in Vanguard FTSE EM ETF based on the emerging markets market index. Investments are made in foreign currency and are focused on a three-year period, although you can invest for only one month.

Unlike the previous ones, this fund brought its shareholders 6.19% for the year (the figure for 3 years is 48.49%). The NAV of the mutual fund is now 331 million rubles. The cost of one share in the Emerging Markets Mutual Fund is up to 1,500 rubles.

Global Engineering Foundation

This mutual fund is a new product from Sberbank launched only this year; the essence of the fund, as always, is in its name - it invests in the Vanguard Industrials ETF, based on an index composed of shares of the world's most famous engineering companies.

Since the fund has not been in operation for long, its NAV is just beginning to take shape and amounts to only 66.62 million rubles. There are no statistics for 1 and 3 years either. The profitability indicators for the period until mid-May 2017 give a negative result of -1.73%, however, since when investing, rubles of shareholders are converted into foreign currency, and when leaving the share again into rubles, this additionally helps to save funds from inflation and make money on the growth of the exchange rate dollar. One share costs about 1000 rubles.

Mutual Fund "Gold" from Sberbank is another specialized fund that invests in ETFs that repeat the movements of the gold rate - PowerShares DB Gold Fund. NAV – 803 million rubles, income for 12 months is negative -19.59%, but over a period of 3 years the situation is already somewhat better – 20.51%. The cost of one share in this mutual fund costs about 1000 rubles.

Sberbank closed mutual funds

This category of mutual funds is fundamentally different from all previous ones, since it is closed and it is possible to buy shares of these funds onlyin strictly designated periods: when forming or when allocating additional shares in agreement with other investors.

Commercial Real Estate Fund

The formation and signing of an asset management agreement was carried out in 2004, valid until 2019. As the name implies, investments are made in commercial real estate throughout Russia. The portfolio includes only 2 items: real estate - 87.2%, as well as cash and receivables - 12.8%.

The fund owns a large amount of commercial real estate throughout the country: the Young Family shopping center (Kazan), the Malinka shopping center (Novosibirsk), warehouse and retail premises in Moscow and the Moscow region, etc. ZPIF also participates in equityconstruction of several residential complexes. Income for shareholders comes from the rental and sale of premises, as well as from rising real estate prices. Rental profits are transferred to shareholders in regular payments. Units are also sold on the Moscow Exchange.

Profit statistics for the year show a negative result - -5.4%, for 3 years this figure is even worse - -19.58%. The NAV of the fund is just over 3 billion rubles. and is regularly reduced due to a fall in the value of shares (at the moment the price of a share costs 200 rubles).

Residential Real Estate 2 Fund

If the Commercial Real Estate Mutual Fund specializes primarily in shopping centers and offices throughout Russia, the Residential Real Estate 2 Fund invests only in shared-equity construction of residential buildings in Moscow and the Moscow region with the goal of subsequent sale of finished apartments with a significant profit for investors. Like the previous closed-end mutual fund, shares of this one are put up for auction on.

This fund is relatively new and does not yet have profitability statistics for 3 years, however, those for 2 years and 12 months show a stable loss of -20.05% and -17.63%, respectively. NAV – 2.93 billion rubles, decreasing due tofalling asset values, but this is compensated by the issue and sale of additional shares, which over 2 years gave an increase of 31.9%. The management contract expired at the end of 2017.

Residential Real Estate 3 Fund

This fund is in many ways similar to the previous one, so in order to avoid repetition, we will describe only significant differences, and they exist and concern not only the profitability (-3.51% per year) and the size of the NAV (1.38 billion rubles). For example, despite the fact that the contract for managing the fund comes to an end only at the beginning of April 2019, Sberbank Asset Management provides for early redemption of up to 20% of shares in the middle and end of 2018.

Rental Business Fund

As the name says, a closed-end mutual fund is mainly aimed at generating income from the rental of warehouse premises (as well as from their resale or disposal) and provides investment payments to shareholders every quarter of the year.

This fund was created in 2016, and the following year it even won the Investor Awards 2017 as the best investment product of 2016. It is not surprising that over the past 12 months, NAV has grown by 18666.11% and now stands at 4.73 billion rubles, but the annual return is still -3.6%. The cost of a share is within 300,000 rubles.

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