Open an IIS in Sberbank in 2020 - step-by-step instructions

What is special about investment deposits at Sberbank?

This type of deposit differs from a regular deposit.

A simple deposit provides a predetermined return, while an investment deposit sometimes allows you to get much more than expected. But it is impossible to predetermine this, so this type of investment is considered riskier.

It happens like this:

a citizen comes to the bank and expresses a desire to make an investment;
he is offered a choice of one of three promising programs in which he can invest;
after the conclusion of the relevant agreement and transfer of money, the funds are handled by a professional team working towards the development of the chosen program;
when the work is completed, the investor receives his investment back with income.

The risk is that the program may not work as effectively as expected. In this case, there will be no additional money.

Sberbank has launched a service for quickly earning big money

Miscellaneous 12/01/2019 | 0

The largest and most famous bank in Russia is Sberbank, and its services are used by more than 80 million Russians. The credit institution is incredibly popular among residents of the country, and all this despite the unfavorable terms of service that it offers everyone. In order to please the citizens of the Russian Federation with something, a special new service was launched, which allows them to earn big money. We are talking about some of the contributions of the new generation, but a little more complex and less reliable. However, the rate of return on these is 2-4 times higher, that is, it is much higher. If now you can open a deposit with a state bank at an average rate of 5.5% per annum, then the new development of the state bank provides about 15 - 20% of annual income.

According to the press service of the credit institution, Sberbank has finally launched its crowdlending platform, which has begun its work in test mode, but will soon be fully launched. When a Russian opens a deposit in a bank and deposits money there, he gives it to the bank, which undertakes to return it by a certain date. At the same time, the financial institution itself, of course, will invest this money somewhere, which will allow it to earn a large amount of money, the amount of which may be even greater than the amount that it will have to return to the Russian after a certain period. Deposits have existed in Russia for more than 20 years, but the new service of the state bank has become available to everyone only now.

It differs from deposits in that the Russian does not give money to the bank, but lends it to some company that undertakes to return it after a certain period of time, but of course with interest. Due to this, it is expected that the rate of return will be at the level of 15–20% per annum, that is, it will be possible to earn many times more money than on regular deposits that Sberbank offers to everyone. The new platform works through the company’s mobile application for smartphones and tablets, and the minimum investment amount is 5,000 rubles. A special AI analyzes all companies that need money and assigns them a certain trust rating, so that Russians can know who they can lend their money to and with whom it is better not to have any business at all.

At the same time, Sberbank notes that the new tool is not just a way to earn big money for all Russians, but also a tool for small and medium-sized businesses, through which they can borrow money on significantly more favorable terms than if he borrowed it from a bank or someone else. No other company on Russian territory has ever offered Russian citizens anything like this, but now everyone can start investing money and earning large sums of money. So, if you invest 2 million rubles for one year at an annual rate of 20%, you will eventually be able to get as much as 2.4 million rubles, that is, just a huge amount of money.

Earlier, information appeared that Sberbank made a payment of 5,000 rubles to owners of all bank cards in Russia.

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About investment programs

Most of the invested capital is guaranteed, is profitable and is invested in assets that allow you to make a profit, regardless of the financial situation in the country.

These are:

deposits in Sberbank and other reliable financial institutions;
federal loan bonds;
corporate bonds.

The remaining funds are invested in existing ideas - the investor chooses where his money will go and what type of account he will open in Sberbank.

They may be as follows:

New technologies. Money is invested in developing companies that develop and implement innovative ideas. Capital is protected.
Global Bond Fund. Money is invested in securities of the world market. 85% of the asset consists of shares and bonds of reliable companies, the rest - in companies of less wealthy ones.
US consumer market. Deposits work for the development of companies producing consumer goods through the acquisition of shares. Fluctuations in the foreign exchange market may provide additional opportunities for profit.

In case of unsuccessful transactions with money, the investment is expected to be returned.

Types of individual investment account

Before signing an agreement with a financial company, the client must decide on the type of individual investment account. At the legislative level, there are 2 of them and both of them involve savings on paying 13% tax. Which account type should I choose? If a citizen has the opportunity to choose any type, but cannot decide, it is better for him to contact a company representative for advice.

type A - deduction for contributions - not suitable for individual entrepreneurs on the simplified tax system, the unemployed and pensioners;
Type B - income deduction - is suitable for all citizens of the Russian Federation.

Deduction for contributions

This option involves the possibility of reimbursement of 13% of the amount of money deposited into the account. There is a limit - no more than 52 thousand rubles per year. Only officially employed citizens who have the opportunity to provide Sberbank with a certificate of income can open an individual investment account of this type.

Income deduction

An individual investment account in Sberbank with a deduction for income exempts a citizen from paying taxes on the profit received. There is no limit: no matter how much the client earns on the exchange market, he will not pay the standard 13% of income to the Federal Tax Service. This option is in demand by experienced investors who invest large sums of money and have an income from IIS of about 0.5 million rubles.

Procedure for registering an investment deposit

An investment deposit can only be made in person at some Sberbank branches. This cannot be done remotely.

The investor chooses one of the methods offered by the bank:

making an investment from a brokerage account
investing with the help of a manager provided by the bank.

To make an investment in Sberbank, you need:

choose a suitable department;
visit it, have your passport with you;
choose a fund in which the risk share of capital will be invested;
enter into an agreement with the bank.

Moreover, depending on the strategy that the investor intends to adhere to, he acts in different ways:

Brokerage individual investment account - transfer money from 1 thousand to 1 million to it and invest it:
in any shares and other assets of the stock market;
into ready-made investment developments.
Opening one investment account with trust management is a convenient way for those who do not have sufficient knowledge themselves. It is distinguished by high liquidity of assets, as well as the quality of fund management, which is ensured by the Sberbank team.
Use the minimal risk “Accumulative” strategy.

Money is transferred to the account in any convenient way, deposited in cash. After concluding an agreement, the client is provided with data for using Sberbank Online; money can be deposited remotely later. Account management is also carried out online.

It is recommended to obtain detailed consultation in advance, for which you can use any method of communication with specialists:

by calling the hotline in Russia;
by number for calls from another country;
for feedback - for this you need to leave a request.

How to get a tax deduction

The main advantage of an IIS over an ordinary brokerage account is two types of tax benefits. Let's figure out how to get them:

Register on the Federal Tax Service website if you have not done so before. It is convenient to submit declarations and make payments through your personal account.
Get a non-qualified electronic signature. Replaces the signature under documents, which is put personally.
Prepare the necessary documents. You will need a 2-NDFL certificate, a scan of the service agreement with Sberbank and confirmation of the transfer of funds to the IIS*.
Fill out the 3-NDFL declaration.
Submit an application for a tax deduction using IIS.
Wait until the Federal Tax Service reviews the declaration and transfers the money - this may take several days.

*How to confirm the transfer of funds to the Sberbank IIS? If you replenished your investment account with cash, then you need a cash receipt order. If transferred from a bank account - payment order. If the money came to the IIS from another brokerage account, then attach the payment order and the broker’s report to the declaration.

Deposit Top up Online from Sberbank - up to 3.8%

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How to close an investment deposit

Early termination of an investment agreement is unprofitable and is accompanied by losses. If, due to current circumstances, you still have to withdraw funds, you can do this by personally writing a statement. You must indicate the reason for this action.

The income received up to this point will be spent on paying for banking services. The invested funds will be returned in full if the money has been in the account for at least 2 years. When the deposit amount is up to 400 thousand rubles, the likelihood of returning an incomplete amount of investment increases.

At the end of the agreement, the account is closed if the owner of the investment decides to withdraw the money.

Tariffs and conditions of Sberbank IIS

Tinkoff Investments
Opening an account - 0
rubles;
Up to ₽20,000
as a gift when purchasing a promotion;
No minimum entry threshold.
More details

On the official website of Sberbank, each potential client can familiarize themselves with the general conditions and tariffs for IIS.

Conditions

Sberbank IIS has a number of general conditions, which consist of the following points:

Only citizens of the Russian Federation can open an individual investment account;
The duration of the contract is from 3 years;
One client can have only one individual account;
Funds in the account are placed in Russian currency - rubles;
Sberbank has established restrictions on the minimum and maximum amount of investments: no less than 1,000 rubles and no more than 1,000,000 rubles annually;
All operations on the account are allowed to be carried out within the exchange market of the Russian Federation;
According to the terms of Sberbank, the depositor is allowed to partially withdraw money from the IIS;
Transferring regular brokerage accounts to an individual investment account is prohibited;
Early termination of contractual obligations is permitted.

Rates

As of the beginning of 2020, Sberbank offers clients two tariffs: Independent and Investment . The main differences between them are the commission percentage and analytical support.

More details about all the current data today can be found in the “Investments” section, subsection “Investment and brokerage services”, tab “Tariffs” on the official Internet portal of Sberbank.

Advantages and disadvantages

There are positive and negative aspects to this method of generating passive income that you need to think about and weigh before investing.

The positive aspects are the possibility of generating income, own insurance and complete protection of the invested money.

The disadvantages include several points that need to be objectively assessed and taken into account:

the amount of income is unpredictable;
if the market situation is unfavorable, the return on investment may even be negative, although the deposit will be returned in full, since the client’s money is 100% protected;
termination of the contract is extremely unprofitable;
the deposit in the usual sense of the word is not insured.

To objectively assess the effectiveness of investment, you need to understand what an investment deposit in Sberbank of Russia is. This is not a deposit, but a different, more mobile and unpredictable way of investing funds. This explains some reviews from disappointed customers who did not receive the expected income.

To reduce the risk of large financial losses, it is recommended to take into account several recommendations:

do not change the program too often - often investors withdraw money from funds right before the rise;
fixing income immediately after receipt reduces the capitalization effect;
dollars are more profitable than rubles;
Treating an investment as an insurance policy reduces expectations that are too high.

You need to be calm about short-term losses in your investment. This is a long-term investment that may fluctuate.

Account opening algorithm

There are three options:

Sberbank branch. Please note that if this is not a special branch, of which there are few throughout the country, you will be given the opportunity to open an account with a management company, which is considered an unfavorable story for the client. Since this is a brokerage account with a deliberately assigned control, this account will need to be replenished in the amount of about 90 thousand rubles, and accordingly you will overpay for the commission. Remember that you are not required to replenish a brokerage or individual account when opening; this service is imposed by Sberbank employees.
application . There are some nuances here, for example, through the software, an investment tariff is assigned by default and you will have to wait several days to change it. If you replenish a brokerage account through the application, the money will take longer than through an account on the website.
Personal account Sberbank online. The most convenient option.

The button to open an account on the site is hidden. Let's consider the algorithm of actions:

Find the “Other” tab.
Next we find “Brokerage services”.
Where is the “Open brokerage account” button located?

Please note that the company provides a choice of market type:

stock – acquisition of various assets;
foreign exchange - for the purchase/sale of currencies, such as euros, dollars;
urgent - for working with tools that are characterized by increased risk. You can check the box, you don’t need to pay for services on the derivatives market, but this story is associated with increased risks and it will not always be easy for beginners to work.