Rating of mutual funds by volume of funds raised (net inflow) as of 10/31/2017. Rating of management companies by net asset value of open mutual funds and private mutual funds as of 10/31/2017. Source: Investfunds.ru.
Sberbank Asset Management JSC was registered by the Moscow Registration Chamber on 04/01/1996. License of the Federal Commission for the Securities Market 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 09/12/1996. License of the Federal Securities Commission of Russia No. 045-06044-001000 dated June 7, 2002 to carry out securities management activities. Familiarize yourself with the terms and conditions of asset management, obtain information about Sberbank Asset Management JSC and other information that must be provided in accordance with current legislation and other regulatory legal acts of the Russian Federation, as well as obtain detailed information about mutual investment funds (hereinafter referred to as mutual funds) and You can familiarize yourself with the rules of trust management of the mutual fund (hereinafter referred to as the mutual fund PDU) and other documents provided for by the Federal Law of November 29, 2001 No. 156-FZ “On Investment Funds” and regulations in the field of financial markets at: 123317, Moscow , Presnenskaya embankment, 10, on the website http://www.. Information to be published in the printed edition is published in the “Appendix to the Bulletin of the Federal Service for Financial Markets”. The value of investment shares may increase and decrease, the results of investing in the past do not determine future income, and the state does not guarantee the profitability of investments in mutual funds. Before purchasing an investment share, you should carefully read the mutual fund's policy. The Mutual Fund PDU provides for premiums (discounts) to (c) the estimated value of investment units upon their issuance (redemption). Charging premiums (discounts) will reduce the profitability of investments in mutual fund investment units. The performance of the securities manager in the past does not determine the future income of the management founder. In relation to mutual funds, the Risk/Income levels are indicated based on the generally accepted understanding of how the specified investment objects are located on the risk-return scale. “Risk” and “Income” in relation to mutual funds do not mean the acceptable risk and expected return provided for by Bank of Russia Regulation No. 482-P dated August 3, 2015. Open Investment Fund RFI "Sberbank - Bond Fund "Ilya Muromets" - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on December 18, 1996 under No. 0007-45141428. Open Investment Fund RFI "Sberbank - Share Fund "Dobrynya Nikitich" - the rules of trust management of the fund are registered by the Federal Financial Markets Service of Russia on April 14, 1997 under No. 0011-46360962. Open Investment Fund RFI “Sberbank – Balanced Fund” - the rules of trust management of the fund are registered by the Federal Financial Markets Service of Russia 21. 03.2001 for No. 0051-56540197. Open Investment Fund RFI “Sberbank – Small Capitalization Share Fund” - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on March 2, 2005 under No. 0328-76077318. Open Investment Fund RFI "Sberbank - Perspective Bond Fund" - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on March 2, 2005 under No. 0327-76077399. Open Investment Fund RFI "Sberbank - Natural Resources" rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on August 31, 2006 under No. 0597-94120779. Open Investment Fund RFI "Sberbank - Telecommunications and Technologies" rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on August 31, 2006 under No. 0596-94120696. Open Investment Fund RFI "Sberbank - Electric Power Industry" rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on August 31, 2006 under No. 0598-94120851. Closed real estate mutual fund "Commercial real estate" - the rules of the fund are registered by the Federal Financial Markets Service of Russia on August 25, 2004 under No. 0252-74113866. Open Investment Fund RFI "Sberbank - America" ​​- rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on December 26, 2006 under No. 0716-94122086. Open Investment Fund RFI "Sberbank - Consumer Sector" - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on March 1, 2007 under No. 0757-94127221. Open Investment Fund RFI "Sberbank - Financial Sector" - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on August 16, 2007 under No. 0913-94127681. Open Investment Fund RFI "Sberbank - Active Management Fund" - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on October 11, 2007 under No. 1023-94137171. Open Investment Fund RFI "Sberbank - Emerging Markets" - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on September 28, 2010 under No. 1924–94168958. Open Investment Fund RFI "Sberbank - Europe" - the rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on February 17, 2011 under No. 2058-94172687. Open Investment Fund RFI "Sberbank - Global Internet" - the rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on June 28, 2011 under No. 2161-94175705. Open Investment Fund RFI "Sberbank - Global Debt Market" - rules for trust management of the fund were registered by the Federal Financial Markets Service of Russia on November 30, 2010 under No. 1991-94172500. Open Investment Fund RFI "Sberbank - Gold" - the rules of trust management of the fund were registered by the Federal Financial Markets Service of Russia on July 14, 2011 under No. 2168-94176260. OPIF RFI "Sberbank - Eurobonds" - rules for trust management of the fund are registered by the Federal Financial Markets Service of Russia on March 26, 2013 under No. 2569. Closed mutual fund of real estate "Sberbank - Residential Real Estate 2" - rules for trust management of the fund are registered by the Bank of Russia on 05/07/2014 under No. 2788. OPIF RFI "Sberbank" – Biotechnologies” - the rules of trust management of the fund are registered by the Bank of Russia 23. 04.2015 for No. 2974. 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 08.27.2015 for No. 3030. Closed real estate mutual fund "Sberbank - Rental Business" - rules for trust management of the fund were registered by the Bank of Russia on 02.25.2016 for No. 3120. Open-end mutual fund RFI "Sberbank - Global Engineering" - rules for trust management of the fund were registered by the Bank of Russia on July 5, 2016 under number 3171. Closed-end mutual fund of real estate "Sberbank - Rental business 2" - rules for trust management of the fund were registered by the Bank of Russia on September 29, 2016 under number 3219. » Open Investment Fund RFI "Sberbank - Denezhny" rules for trust management of the fund were registered by the Bank of Russia on November 23, 2017 under No. 3428. Until 12:00 Moscow time, preliminary data on the value of assets of mutual investment funds managed by Sberbank Asset Management JSC (hereinafter referred to as the Funds) and the value of investment shares of the Funds are published on the website. Preliminary data is NOT official information about the net asset value of the Funds and the estimated value of investment units of the Funds and is for informational purposes only. Preliminary data may differ from the Funds' officially published net asset value and the estimated value of the Funds' investment units. After 12:00 Moscow time, official information on the value of the Funds’ net assets and the estimated value of the Funds’ investment units, determined in accordance with Bank of Russia Directive No. 3758-U dated August 25, 2015, is published on the website.Please send your comments and suggestions regarding this site to.

People with free funds think about different possibilities for increasing them. For this purpose, funds are often selected, on the basis of which funds are transferred to proven and reliable organizations, in which all assets are managed by real professionals.

Therefore, you can be sure that the invested funds will increase several times over a certain period of time.

This investment method is chosen by many people who lack specialized knowledge and skills to work in other areas.

Important! The main goal of such an investment is the correct choice of the mutual fund itself, so that it is reliable and proven, and if you choose the organization wisely, you can be confident in the effectiveness of the managers.

Where can you invest money to get income? Read on.

The organizations themselves are interested in increasing profits, and the operating scheme of mutual funds is considered simple.

Significant capital is collected through investor contributions, after which it is used for various projects and operations that are highly profitable and promising.

The main advantage of such investment is stable and often high income.

Is it worth investing in Sberbank mutual funds? Reviews and tips in this video:

Profitability of Sberbank mutual funds

Sberbank is a large banking organization, and it offers not only banking services, but also additional ones.

Among them, there is also the opportunity to invest in numerous mutual funds of the company.

Important! Each mutual fund of a given organization has its own characteristics, and it is simply impossible to say exactly which one will be profitable and which one will be unprofitable, so the nuances of each proposal are first studied.

Due to the fact that Sberbank is a large and reliable company that employs only professionals, you can be confident in the safety and increase of your invested funds.

What projects are offered by the organization

Sberbank offers several types of mutual funds, some of which are long-term, while others are medium-term.

They have numerous differences, so funds can be invested in gas or other resources, in charity or in the development of promising companies.

What is an investment deposit and what is its income? See.

Important! Many investors are interested in the opportunity to invest in the United States.

Every adult citizen can invest money in mutual funds owned by Sberbank.

Due to the fact that trust management is carried out, you do not need to independently understand the nuances of trading securities.

1. Sberbank biotechnology

The features of the mutual fund include:

• the fund was based on investments in the iShares NASDAQ Biotechnology ETF;
• For more than three years now, this fund has brought investors only a decline in share prices, and such investment is accompanied by a high risk of losing investments;
• during the operation of the fund, shares owned by pharmaceutical organizations or biotechnology corporations are used;
• the share price depends on changes in NASDAQ Biotechnology;
• the resource for long-term investments is calculated.

Due to the high risks, such a mutual fund is considered not very attractive.

1. Mutual Fund Ilya Muromets

Funds are invested in Russian organizations that operate at the level of the state, municipality or large corporations.

Important! Statistics show that the fund has been steadily increasing the profits of investors over the past three years.

The risks are considered low, and this mutual fund is often chosen by novice investors.

The minimum deposit is 15 thousand rubles, and funds are invested for a period of 1 year.

Profitability of Sberbank mutual funds. Photo: sberbank.ru

1. Global Internet

Maxim Kondratyev has been working at Sberbank Asset Management (until November 2012 - Troika Dialog Management Company) since August 2009 and is engaged in the analysis of enterprises in the consumer sector, mechanical engineering and transport, as well as managing portfolios of the “Consumer Sector” strategy. Prior to this, Maxim worked as an analyst at Alfa Capital Management Company for two and a half years. He has diplomas as an engineer-mathematician from the Moscow Engineering Physics Institute (state university) with a degree in applied mathematics and as an economist-manager from the Economic-Analytical Institute MEPhI with a degree in economics and enterprise management, and a qualification certificate from the Federal Financial Markets Service, series 5.

Evgeniy Lynchik has been working for the company since 2010 and manages stock portfolios. Previously, from 2007 to 2010, he worked as an analyst and portfolio manager at Renaissance Capital, and was also a co-manager of the Renaissance Infrastructure Fund and the Renaissance Small Cap Fund with a total volume of $300 million. Before that, from 2004 to 2007, he served as a senior analyst for shares in Rye, Man and Gor Securities.

From 2000 to 2004, he worked at the telecommunications company Ericsson and the auditing and consulting company Deloitte. Evgeniy graduated from Moscow State Technical University. N. E. Bauman, received an MBA from the American Institute of Business and Economics (AIBEc). He has a portfolio manager certificate issued by the Financial Services Authority (FSA) of Great Britain and the Ministry of Finance of Cyprus, as well as qualification certificates of the Federal Financial Markets Service of the 1.0 and 5.0 series.

Has 15 years of experience in the financial sector. Before joining Sberbank, Renat Malin worked at Kapital Asset Management Group as Head of the Fixed Income Asset Management Department. Built an asset management system that consistently demonstrates results for mutual funds above the competitive group. He managed a number of large clients, including the Housing and Public Utilities Fund, the Ministry of Defense, as well as the Sberbank Non-State Pension Fund, and actively participated in the development of a risk management system.

Entered the top 5 best portfolio fund managers according to the RBC magazine rating. He graduated from the St. Petersburg State University of Economics and Finance (SPbGUEiF) with a degree in finance and credit (specialization “Securities”), as well as graduate school from St. Petersburg State University of Economics and Finance with a specialty in “Finance and Credit”. Was awarded by the State Statistics Committee of the Russian Federation.

Alexander Orlov has been working at Sberbank Asset Management (until November 2012 - Troika Dialog Management Company) since 2012. He began his career in the securities market in 1995. Since 2002, he has been managing the assets of clients of individual trust management of Sberbank of Russia, as well as the funds of the Sberbank Non-State Pension Fund and the open mutual fund of bonds “Sberbank – Bond Fund”. Alexander graduated with honors from bachelor's, master's and postgraduate studies (in 2002) from the Faculty of Economics of the Peoples' Friendship University of Russia, majoring in finance and credit.

In 2005, he graduated from the general certification program of the International Association of Securities Market Participants. Has FFMS qualification certificates series 1.0 and 5.0.

Currently, low deposit rates do not provide the desired return to investors, which makes mutual funds the most attractive and popular. However, it is worth keeping in mind that mutual funds are risky investments, so you should be responsible in selecting a management company.

What are mutual funds?

Mutual investments are a rational alternative to deposits, with the help of which you can not only save your money, but also increase it. Favorable conditions and high profitability of mutual funds are offered by the largest bank in Russia - Sberbank. Before making investments, you need to have a general understanding of what the Sberbank Mutual Investment Fund is.

Sberbank Mutual Fund is an investment complex under the auspices of a management company, the purpose of which is to increase the value of the fund’s property, which in turn consists of shares - units of fund property (investor assets).

How do they work?

The meaning of a mutual fund is its share of investors, the profitability of which is distributed between them and the legal entities of the fund.

Mutual Fund operating algorithm:

• Purchase of shares. Submitting an investor's application to the management company, if approved, transferring funds to the mutual fund account using the issued details.
• Registration of investor data in the register - for the accrual of shares.
• Notification of the investor about the accrual of shares.
• The management company purchases securities on the stock exchange through its broker at the expense of the mutual fund.
• Crediting securities to a mutual fund account and transferring them to the depository.

The work process for all mutual funds is identical. The general algorithm of work gives investors a certain confidence in reliable calculations, since the management company, registrar and depository are interconnected with each other and control the entire work process, and their activities are verified by an auditor.

How to make money on mutual funds?

• Desired amount of investment;
• Long-term investment;
• Acceptable level of risk;
• Expected profit.

A Sberbank specialist will suggest the best options for mutual funds, and the investor will be able to choose one or several suitable ones to improve overall performance indicators.
In the future, an agreement is concluded, as when opening a deposit.

When paying through a bank, a commission is charged:

• less than 3 million rubles – 1%,
• more than 3 million rubles – 0.5%.

Current Sberbank mutual funds

The management company of Sberbank has a wide range of mutual funds, and you can manage investments and track investment dynamics through your personal account on the bank’s website.

To make the right choice, you need to compare them in terms of profitability and risk level, but do not forget: the greater the profit, the higher the risk.

Sberbank's existing mutual funds are divided into mutual funds:

• shares – maximum profitability and high degree of risk;
• bonds - characterized by low-risk securities, especially if they are government-owned;
• mixed investments - distribution of capital between stocks and bonds. Fund "Balanced" Average level of return - 65% for three years;
• funds – high level of risk, except for the “Gold” fund, they offer high returns.

Sberbank biotechnology

Mutual Fund "Biotechnologies" invests in an American exchange-traded fund that owns shares of biotechnological and pharmaceutical organizations. The annual share price decreased by 7%. Sberbank biotechnology is a type of fund.

Mutual Fund Ilya Muromets

The Ilya Muromets Fund invests in government bonds. It is low-risk, the return over the last 3 years is just under 25%. Refers to types of bonds.

Global Internet

The Global Internet Fund makes it possible to receive a return of 76.5% over three years. Refers to mutual funds of shares.

Sberbank - Risky Bond Fund

The Risky Bonds Mutual Fund invests in securities of Russian companies and is distinguished by an average level of risk and high profitability. Refers to types of bonds.

Mutual Fund Dobrynya Nikitich

The Dobrynya Nikitich fund invests in shares of Russian companies with high potential for growth and liquidity. The yield is about 60%, refers to the types of shares.

Eurobonds

The risk of the Eurobonds mutual fund is low, the yield is about 95%, it belongs to the types of bonds.

Sberbank Mutual Fund "Consumer Sector"

The Consumer Sector Fund invests in foreign and domestic companies with dynamic development. Return of more than 107% over three years. Refers to types of shares.

The concept of a mutual investment fund (UIF) is familiar even to those who are superficially connected with the economy. It is one of the forms of investment when the client transfers his money to a certain management company, purchasing a share from it. The organization invests shareholders’ finances in securities existing in Russia or in foreign countries and takes care of increasing profits.
Mutual investment funds at Sberbank provide investors with the opportunity to earn interest income that is an order of magnitude higher than in regular deposits. Depending on the period of investment in mutual funds, the choice of a tariff with low or high returns and different levels of risks, the remuneration of the shareholder subsequently depends.

How to start investing in shares in Sberbank?

Not only citizens, but also various enterprises can purchase Sberbank mutual funds. In order to start investing in shares, you must bring certain documents to an authorized bank branch or one of the offices of the management company called Sberbank Asset Management.

For individuals:

• Passport or other identification document.
• A completed form with information about the investor, which will contain a sample of his signature. This form will have to be certified by a notary.
• You can start investing money on behalf of a third party. However, for this it is necessary to present a power of attorney from him. The power of attorney must also be notarized.

For legal entities, the documentary list is much wider:

• An application form containing information about the organization, which will bear the signature of the manager and the seal of the enterprise.
• Certificate confirming the presence of state registration of a legal entity (copy).
• A copy of the organization's charter or constituent agreement. Also, if changes have been made to the memorandum of association or charter, you must also bring copies of documents confirming them.
• Extract from the Unified State Register of Legal Entities (preferably in the original, but a copy is also acceptable).
• An order or other document confirming the election of a director or collective governing body of the company.
• If the company is not registered in Russia and is of foreign origin, then you must bring an extract from the trade register. A document from the accounting register of a foreign country where the legal entity is registered may also be suitable.

Almost all documents, with the exception of originals, are subject to notarization. The application form with a stamp and signature will also have to be certified by a notary.
Mutual funds of Sberbank Management Company can only be purchased in rubles. Even if it is intended to invest in foreign shares, the purchase of shares in euros or dollars is not carried out.
Depending on how exactly the client decides to invest in a mutual fund - in the office of a banking organization / management company or via the Internet - the minimum investment amount also differs. For those who prefer to make a purchase at a bank branch or management company, a minimum limit of 15 thousand rubles has been established. If the share is purchased through a mobile application or personal account on the website, then the investor may limit himself to 1 thousand rubles.
When purchasing any share, the client should be aware that he immediately pays a commission of 1%. The premium has been reduced to 0.5% for investors investing more than RUB 3 million in funds.

Income from the sale of shares

If the client decides to sell his share, he should also be aware of the existing commissions:

• if the share is sold within 180 days after acquisition, the management company will charge 2%;
• if an investor sells a share during the period of 181–731 days of ownership, then additional payments are reduced to 1%;
• When holding a share for longer than 732 days, its sale is carried out without commission.

By the way, clients who own securities from the bank's management company for 3 years and make a sale after this period are exempt from paying 13% tax.

Analyzing the profitability of Sberbank mutual funds based on graphs given on the financial organization’s website, we can say that it is almost always in the black. If suddenly the chart begins to “creep down”, then this is not a cause for concern. The client does not need to record losses. You just have to wait until the price of securities starts to rise again, and only then withdraw your money along with the profit from the “investment game”.
However, such situations are quite rare, since the management of mutual fund assets in Sberbank is carried out by professional dealers and brokers of the management company.

The safest investment options in Sberbank

For those who are new to investing, or simply do not want to take unnecessary risks, it is recommended to invest in government securities. The income will not be too high (over 1 year its growth will be on average 12.11%). However, this figure also exceeds the average profit for 1 year on bank deposits (about 7%).
One of these reliable options is the Ilya Muromets Mutual Fund at Sberbank. The structure of this fund consists of state and municipal bonds, as well as corporate securities. Only the most famous and stable Russian companies are selected for investment.

Where does Ilya Muromets mutual fund invest?

• In Russian Railways, Sukhoi civil aircraft, Domodedovo Fuel Facilities.
• To Alfa-Bank, Suek-Finance, EvrazHolding Finance.
• In federal loan bonds, All-Russian Regional Development Bank, construction industry.

Over 3 years, the return on this fund was 54.8%.

Another safe option is the Sberbank Eurobonds mutual fund. Investors' funds are spent on issuing these same Eurobonds in dollars, euros or other foreign currencies, which will then be sold on the international market. The fund invests in such corporations as:

• Rosneft and Gazprom;
• MMC Finance, VEB Finance, etc.

Due to the unstable economic situation and the decrease in foreign investment, the fund suffered some losses. However, those who purchased shares for a long term still made a profit. The return for 3 years was 12.06%.

Middle Income Funds

If the client has a good understanding of the mechanism of the securities market, then he can invest in riskier funds. One of these is the Balanced Mutual Fund from Sberbank. It is assumed that investors will purchase shares of this fund for a fairly long period (at least 1 year).
Funds from the mutual fund are used to purchase bonds and shares of exclusively Russian enterprises:

• Magnet;
• Gazprom;
• Sberbank;
• Lukoil;
• Bank VVRR, etc.

Although you can get good profits by investing in shares of this organization, the risk also increases. For 1 year the income was 6.57%. And those who held the purchased portfolio of bonds and stocks for 3 years or more were able to receive a reward of 44.37%.

High return funds

If you want to get maximum profit, you should not forget about the fairly high risks. For inexperienced participants in investment relations, investing in risky securities is not worth it, since there is a possibility of loss of capital. However, the management company tries to predict possible “dangers” and carefully develops a strategy to hedge risks.
Below are the fixed assets of this category:

• Mutual Fund Dobrynya Nikitich from Sberbank focuses exclusively on the stock market from Russian companies. The investor's portfolio will consist of securities of such enterprises as Norilsk Nickel, Moscow Exchange, Novatek, Alrosa, etc. Average profit figures for the year amounted to 3.41%, and for 3 years - 33.06%.
• One of the funds receiving record high profits is the Electric Power Fund from Sberbank. Based on the name, one can understand that the fund invests the funds of its participants in Russian energy enterprises. Among the companies where finance is invested, one can highlight such as UNIPRO, MOSENERGO, Russian Grids, RUSHYDRO. And although the results for the year were unprofitable and amounted to -2.23%, long-term investments paid off. Over 3 years, the profit amounted to 90.09%!
• By investing in the Natural Resources Mutual Fund from Sberbank, the client becomes the owner of a portfolio of shares from companies in the mining, metallurgical and oil and gas sectors. Enterprises in which funds are invested: Gazprom, Rosneft, Surgutneftegaz, Tatneft, Novatek, Polymetal International. Income indicators for 1 year were about 11.8%. With a long-term investment (from 3 years), the client can count on a profit of 38.91%.
• Mutual Fund Gold of Sberbank is an international fund. Funds are invested directly in the precious metal, as well as in shares of the PowerShares foreign gold fund. The profit here depends on the price of the bullion. For 1 year the income was 3.32%. However, in the long term, investments are still unprofitable and amounted to -19.5%.
• Biology and medicine are becoming increasingly promising branches of science, in which the most important discoveries for humanity are being made. That is why the Biotechnology Mutual Fund at Sberbank offers clients to invest in science and receive income from it. Investments are made in the iShares Nasdaq Biotechnology ETF. There is no information about long-term profits. However, it is known that over 1 year investors received a financial gain of 8.57%.
• US investment funds are among the leading in the global economy. Those who want to take risks and gain income from the development of the stock market across the Atlantic are recommended to invest in Mutual Fund America from Sberbank. You can win even with relatively short-term investments (1 year) and receive a reward of 13.28%. In the long term, due to high risks, the profit is not so high - only 4.49%

.
A complete list of funds with high levels of income and risks can be found on the website