VTB Asset Management PIFA. How to increase capital with PIFs from VTB UK VTB Capital PIFs
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Banking services are considered for both individuals and legal entities - payment for services, bank accounts, letter of credit, settlement and cash services, salary project.Review of mutual investment funds (UIF) offered by the management company: a brief description, profitability, risks of fluctuations in value, investment strategies.
Management company: VTB Capital Asset Management.
Address: 123317, Moscow, nab. Presnenskaya, 10.
Date of issue of the license: 06.03.2002.
License number: 21-000-1-00059.
Open-end unit investment funds (UIF) offered by VTB Capital Asset Management:
- VTB - Treasury Fund
- VTB - Equity Fund
- VTB - Eurobond Fund
- VTB - Bonds Fund plus
- VTB - Balanced Fund
- VTB - Prospective Investment Fund
- VTB - MICEX Index
- VTB - Oil and Gas Sector Fund
- VTB - Consumer Sector Fund
- VTB - Fund for State-Owned Enterprises
- VTB - Telecommunications Fund
- VTB - Electricity Fund
- VTB - Metallurgy Fund
- VTB - BRIC
- VTB - Money Market Fund
- "Victory Square"
Interval mutual funds:
- VTB - Precious Metals Fund
- "Kuznetsky Most"
Brief description of UIF MC "VTB Capital Asset Management"
The minimum amount for the initial purchase of shares of any unit investment fund in JSC VTB Capital Asset Management, PJSC VTB Bank, JSC Banca Intesa is 5,000 rubles, with the subsequent one - 1,000 rubles.
The minimum amount for the initial purchase of shares of any unit investment fund in PJSC "VTB 24" is 150,000 rubles, with the subsequent - 150,000 rubles.
The minimum amount for the initial purchase of shares of any unit investment fund in PJSC CB Vostochny, JSC OTP Bank is 50,000 rubles, with the subsequent - 25,000 rubles.
The minimum amount for the initial purchase of shares of any unit investment fund in AO Citibank is 50,000 rubles, with the subsequent purchase - 5,000 rubles.
Surcharges and discounts when exchanging units - no indication in the contract.
The possibility of remote purchase / sale of shares is provided (through the "Client Cabinet").
| Fund name | Minimum amount upon initial purchase / upon subsequent |
Allowance | Discount | Remuneration of the management company (in total, no more) |
Investment objects |
|---|---|---|---|---|---|
| Treasury | AO VTB Capital Asset Management, PJSC VTB Bank, AO Banca Intesa - RUB 5,000 / 1,000. |
0% | up to 6 months: 2% 6 to 12 months: 1.5% more than 12 months: 1% for AO Citibank: 3% |
3,5% | Government and corporate bonds, deposits, other money market instruments with fixed income |
| Shares |
PJSC VTB 24 - 150,000/150,000 rubles. PJSC CB Vostochny, JSC OTP Bank - 50,000/25,000 rubles. JSC CB Citibank - 50,000/5,000 rubles. |
0%
except for AO Citibank: up to 1,000,000 rubles. - 1.5%; over 1,000,000 rubles up to 5,000,000 rubles. - 1.25%; over 5,000,000 rubles. - 1% except for JSC Banca Intesa: up to 300,000 rubles. - 1.5%; over 300,000 to 1,000,000 rubles. - 1%; over 1,000,000 rubles. - 0.5% |
up to 6 months: 2% 6 to 12 months: 1.5% more than 12 months: 1% for AO Citibank: 3% |
5,5% | Fundamentally undervalued stocks with a focus on blue chips are stocks of the largest and most stable Russian companies with sufficient market liquidity. Up to 30% of the portfolio can be invested in the most attractive 2nd tier stocks |
| Eurobonds |
PJSC VTB 24 - 150,000/150,000 rubles. PJSC CB Vostochny, JSC OTP Bank - 50,000/25,000 rubles. |
0%
except for AO Citibank: up to 1,000,000 rubles. - 1.5%; over 1,000,000 rubles up to 5,000,000 rubles. - 1.25%; over 5,000,000 rubles. - 1% except for JSC Banca Intesa: up to 300,000 rubles. - 1.5%; over 300,000 to 1,000,000 rubles. - 1%; over 1,000,000 rubles. - 0.5% |
up to 6 months: 2% 6 to 12 months: 1.5% more than 12 months: 1% for AO Citibank: 3% |
3,1% | Eurobonds of Russian issuing companies. |
| Bonds plus | AO VTB Capital Asset Management, PJSC VTB Bank, AO Banca Intesa - 5,000 / 1,000 rubles.
PJSC VTB 24 - 150,000/150,000 rubles. PJSC CB Vostochny, JSC OTP Bank - 50,000/25,000 rubles. JSC CB Citibank - 50,000/5,000 rubles. |
0%
except for AO Citibank: up to 1,000,000 rubles. - 1.5%; over 1,000,000 rubles up to 5,000,000 rubles. - 1.25%; over 5,000,000 rubles. - 1% except for JSC Banca Intesa: up to 300,000 rubles. - 1.5%; over 300,000 to 1,000,000 rubles. - 1%; over 1,000,000 rubles. - 0.5% |
up to 6 months: 2% 6 to 12 months: 1.5% more than 12 months: 1% for AO Citibank: 3% |
4,0% | Eurobonds of companies-issuers of developing countries |
| Balanced | AO VTB Capital Asset Management, PJSC VTB Bank, AO Banca Intesa - 5,000 / 1,000 rubles.
PJSC VTB 24 - 150,000/150,000 rubles. PJSC CB Vostochny, JSC OTP Bank - 50,000/25,000 rubles. JSC CB Citibank - 50,000/5,000 rubles. |
0%
except for AO Citibank: up to 1,000,000 rubles. - 1.5%; over 1,000,000 rubles up to 5,000,000 rubles. - 1.25%; over 5,000,000 rubles. - 1% except for JSC Banca Intesa: up to 300,000 rubles. - 1.5%; over 300,000 to 1,000,000 rubles. - 1%; over 1,000,000 rubles. - 0.5% |
up to 6 months: 2% 6 to 12 months: 1.5% more than 12 months: 1% for AO Citibank: 3% |
5,0% | Shares of Russian companies and government, sub-federal and corporate bonds |
| Promising investments | AO VTB Capital Asset Management, PJSC VTB Bank, AO Banca Intesa - 5,000 / 1,000 rubles.
PJSC VTB 24 - 150,000/150,000 rubles. PJSC CB Vostochny, JSC OTP Bank - 50,000/25,000 rubles. JSC CB Citibank - 50,000/5,000 rubles. |
0%
except for AO Citibank: up to 1,000,000 rubles. - 1.5%; over 1,000,000 rubles up to 5,000,000 rubles. - 1.25%; over 5,000,000 rubles. - 1% except for JSC Banca Intesa: up to 300,000 rubles. - 1.5%; over 300,000 to 1,000,000 rubles. - 1%; over 1,000,000 rubles. - 0.5% |
up to 6 months: 2% 6 to 12 months: 1.5% more than 12 months: 1% for AO Citibank: 3% |
5,5% | Undervalued shares of Russian issuers with significant potential for growth in market value over the long term. In the absence of a sufficient number of attractive market opportunities, up to 50% of the portfolio can be invested in attractively priced blue chips |
| MICEX Index | AO VTB Capital Asset Management, PJSC VTB Bank, AO Banca Intesa - 5,000 / 1,000 rubles.
PJSC VTB 24 - 150,000/150,000 rubles. PJSC CB Vostochny, JSC OTP Bank - 50,000/25,000 rubles. JSC CB Citibank - 50,000/5,000 rubles. |
0%
except for AO Citibank: up to 1,000,000 rubles. - 1.5%; over 1,000,000 rubles up to 5,000,000 rubles. - 1.25%; over 5,000,000 rubles. - 1% except for JSC Banca Intesa: up to 300,000 rubles. - 1.5%; over 300,000 to 1,000,000 rubles. - 1%; over 1,000,000 rubles. - 0.5% |
up to 6 months: 2% 6 to 12 months: 1.5% more than 12 months: 1% for AO Citibank: 3% |
3,7% | Shares of companies included in the MICEX stock index (50 companies) |
| Global dividend | JSC VTB Capital Asset Management, PJSC VTB Bank, JSC Banca Intesa - 50,000/5,000 rubles.
PJSC VTB 24 - 150,000/150,000 rubles. PJSC CB Vostochny, JSC OTP Bank - 50,000/25,000 rubles. |
1%
except for VTB Capital Asset Management JSC - 0% except for JSC Banca Intesa: up to 300,000 rubles. - 1.5%; over 300,000 to 1,000,000 rubles. - 1%; over 1,000,000 rubles. - 0.5% |
up to 6 months: 2% 6 to 12 months: 1.5% more than 12 months: 1% |
4,9% | Ordinary and preferred shares of Russian and foreign companies with a capitalization of $ 5 billion or more that pay high and stable dividend income or have the potential to increase dividend payments. The fund's strategy involves investing 30% of the portfolio in Russian stocks and 70% in foreign stocks. |
| Oil and gas sector | AO VTB Capital Asset Management, PJSC VTB Bank, AO Banca Intesa - 5,000 / 1,000 rubles.
PJSC VTB 24 - 150,000/150,000 rubles. PJSC CB Vostochny, JSC OTP Bank - 50,000/25,000 rubles. JSC CB Citibank - 50,000/5,000 rubles. |
0%
except for AO Citibank: up to 1,000,000 rubles. - 1.5%; over 1,000,000 rubles up to 5,000,000 rubles. - 1.25%; over 5,000,000 rubles. - 1% except for JSC Banca Intesa: up to 300,000 rubles. - 1.5%; over 300,000 to 1,000,000 rubles. - 1%; over 1,000,000 rubles. - 0.5% |
up to 6 months: 2% 6 to 12 months: 1.5% more than 12 months: 1% for AO Citibank: 3% |
5,5% | Shares of Russian oil and gas companies |
| Consumer sector | AO VTB Capital Asset Management, PJSC VTB Bank, AO Banca Intesa - 5,000 / 1,000 rubles.
PJSC VTB 24 - 150,000/150,000 rubles. PJSC CB Vostochny, JSC OTP Bank - 50,000/25,000 rubles. JSC CB Citibank - 50,000/5,000 rubles. |
0%
except for AO Citibank: up to 1,000,000 rubles. - 1.5%; over 1,000,000 rubles up to 5,000,000 rubles. - 1.25%; over 5,000,000 rubles. - 1% except for JSC Banca Intesa: up to 300,000 rubles. - 1.5%; over 300,000 to 1,000,000 rubles. - 1%; over 1,000,000 rubles. - 0.5% |
up to 6 months: 2% 6 to 12 months: 1.5% more than 12 months: 1% for AO Citibank: 3% |
5,5% | Shares in companies manufacturing products or services aimed at retail consumers |
| State-owned enterprises | AO VTB Capital Asset Management, PJSC VTB Bank, AO Banca Intesa - 5,000 / 1,000 rubles.
PJSC VTB 24 - 150,000/150,000 rubles. PJSC CB Vostochny, JSC OTP Bank - 50,000/25,000 rubles. JSC CB Citibank - 50,000/5,000 rubles. |
0%
except for AO Citibank: up to 1,000,000 rubles. - 1.5%; over 1,000,000 rubles up to 5,000,000 rubles. - 1.25%; over 5,000,000 rubles. - 1% except for JSC Banca Intesa: up to 300,000 rubles. - 1.5%; over 300,000 to 1,000,000 rubles. - 1%; over 1,000,000 rubles. - 0.5% |
up to 6 months: 2% 6 to 12 months: 1.5% more than 12 months: 1% for AO Citibank: 3% |
5,5% | Shares of enterprises where the Russian state acts as the main shareholder |
| Telecommunications | AO VTB Capital Asset Management, PJSC VTB Bank, AO Banca Intesa - 5,000 / 1,000 rubles.
PJSC VTB 24 - 150,000/150,000 rubles. PJSC CB Vostochny, JSC OTP Bank - 50,000/25,000 rubles. JSC CB Citibank - 50,000/5,000 rubles. |
0%
except for AO Citibank: up to 1,000,000 rubles. - 1.5%; over 1,000,000 rubles up to 5,000,000 rubles. - 1.25%; over 5,000,000 rubles. - 1% except for JSC Banca Intesa: up to 300,000 rubles. - 1.5%; over 300,000 to 1,000,000 rubles. - 1%; over 1,000,000 rubles. - 0.5% |
up to 6 months: 2% 6 to 12 months: 1.5% more than 12 months: 1% for AO Citibank: 3% |
5,5% | Telecommunications, media and IT sector shares |
| Electricity | AO VTB Capital Asset Management, PJSC VTB Bank, AO Banca Intesa - 5,000 / 1,000 rubles.
PJSC VTB 24 - 150,000/150,000 rubles. PJSC CB Vostochny, JSC OTP Bank - 50,000/25,000 rubles. JSC CB Citibank - 50,000/5,000 rubles. |
0%
except for AO Citibank: up to 1,000,000 rubles. - 1.5%; over 1,000,000 rubles up to 5,000,000 rubles. - 1.25%; over 5,000,000 rubles. - 1% except for JSC Banca Intesa: up to 300,000 rubles. - 1.5%; over 300,000 to 1,000,000 rubles. - 1%; over 1,000,000 rubles. - 0.5% |
up to 6 months: 2% 6 to 12 months: 1.5% more than 12 months: 1% for AO Citibank: 3% |
5,5% | Ordinary and Preferred Shares of Russian Electricity Companies |
| Metallurgy | AO VTB Capital Asset Management, PJSC VTB Bank, AO Banca Intesa - 5,000 / 1,000 rubles.
PJSC VTB 24 - 150,000/150,000 rubles. PJSC CB Vostochny, JSC OTP Bank - 50,000/25,000 rubles. JSC CB Citibank - 50,000/5,000 rubles. |
0%
except for AO Citibank: up to 1,000,000 rubles. - 1.5%; over 1,000,000 rubles up to 5,000,000 rubles. - 1.25%; over 5,000,000 rubles. - 1% except for JSC Banca Intesa: up to 300,000 rubles. - 1.5%; over 300,000 to 1,000,000 rubles. - 1%; over 1,000,000 rubles. - 0.5% |
up to 6 months: 2% 6 to 12 months: 1.5% more than 12 months: 1% for AO Citibank: 3% |
5,5% | Ordinary and preferred shares of Russian companies related to the metallurgical and mining industries |
| BRIC | AO VTB Capital Asset Management, PJSC VTB Bank, AO Banca Intesa, AO CB Citibank - 50,000/5,000 rubles.
PJSC VTB 24 - 150,000/150,000 rubles. PJSC CB Vostochny, JSC OTP Bank - 50,000/25,000 rubles. |
0%
except for AO Citibank: up to 1,000,000 rubles. - 1.5%; over 1,000,000 rubles up to 5,000,000 rubles. - 1.25%; over 5,000,000 rubles. - 1% except for JSC Banca Intesa: up to 300,000 rubles. - 1.5%; over 300,000 to 1,000,000 rubles. - 1%; over 1,000,000 rubles. - 0.5% |
up to 6 months: 2% 6 to 12 months: 1.5% more than 12 months: 1% for AO Citibank: 3% |
5,5% | ETF (Exchange Traded Funds) for country indices, shares of individual issuers in China, India, Brazil, Russia and South Africa |
| Money market | AO VTB Capital Asset Management, PJSC VTB Bank, AO Banca Intesa - 5,000 / 1,000 rubles.
PJSC VTB 24 - 150,000/150,000 rubles. PJSC CB Vostochny, JSC OTP Bank - 50,000/25,000 rubles. |
0%
except for JSC Banca Intesa: up to 300,000 rubles. - 1.5%; over 300,000 to 1,000,000 rubles. - 1%; over 1,000,000 rubles. - 0.5% |
up to 92 days: 1.5% over 92 days: 0% |
3,2% | Fixed income market: cash, including in foreign currency, deposits, bonds, money market shares |
| "Victory Square" | AO VTB Capital Asset Management, PJSC VTB Bank, AO Banca Intesa - 5,000 / 1,000 rubles.
PJSC VTB 24 - 150,000/150,000 rubles. PJSC CB Vostochny, JSC OTP Bank - 50,000/25,000 rubles. |
0%
except for JSC Banca Intesa: up to 300,000 rubles. - 1.5%; over 300,000 to 1,000,000 rubles. - 1%; over 1,000,000 rubles. - 0.5% |
up to 6 months: 2% 6 to 12 months: 1.5% more than 12 months: 1% |
5,6% | Shares of Russian companies in the sector of metallurgy, pipe industry, mechanical engineering, construction |
| Precious metals | AO VTB Capital Asset Management, PJSC VTB Bank, AO Banca Intesa - 5,000 / 1,000 rubles.
PJSC VTB 24 - 150,000/150,000 rubles. PJSC CB Vostochny, JSC OTP Bank - 50,000/25,000 rubles. |
0%
except for JSC Banca Intesa: up to 300,000 rubles. - 1.5%; over 300,000 to 1,000,000 rubles. - 1%; over 1,000,000 rubles. - 0.5% |
up to 6 months: 2% 6 to 12 months: 1.5% more than 12 months: 1% |
3,3% | Precious metals |
| "Kuznetsky Most" | AO VTB Capital Asset Management, PJSC VTB Bank, AO Banca Intesa - 5,000 / 1,000 rubles.
PJSC VTB 24 - 150,000/150,000 rubles. PJSC CB Vostochny, JSC OTP Bank - 50,000/25,000 rubles. |
0%
except for JSC Banca Intesa: up to 300,000 rubles. - 1.5%; over 300,000 to 1,000,000 rubles. - 1%; over 1,000,000 rubles. - 0.5% |
up to 6 months: 2% 6 to 12 months: 1.5% more than 12 months: 1% |
3,8% | Stocks and bonds of the Russian stock market |
Profitability of mutual fund MC "VTB Capital Asset Management"
| Name of mutual fund | Profitability,% | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | |
| Treasury Fund | 20,8 | 12,9 | 7,2 | 7,6 | 1,0 | 21,2 | 29,8 | 9,0 | 8,1 | 10,8 | 2,8 | 14,4 | 15,6 | 14,4 |
| Equity Fund | — | — | — | — | — | -8,3 | 29,7 | 21,2 | 4,3 | -5,9 | 5,5 | 27,2 | 35,2 | 10,2 |
| BRIC | -2,6 | 26,1 | 35,9 | 11,5 | -18,3 | -15,7 | 34,0 | -4,1 | -0,1 | -3,3 | 27,9 | 25,0 | 17,9 | 13,2 |
| Global Dividend Fund | 8,5 | 17,6 | 22,6 | 7,3 | -10,3 | -6,4 | 28,5 | 12,2 | 4,3 | 1,3 | 20,8 | 41,0 | 4,3 | 6,7 |
| Money Market Fund | — | — | — | — | — | 9,1 | 8,7 | 4,6 | 4,9 | 4,7 | 4,2 | 8,3 | 8,8 | 7,7 |
| Fodn Eurobonds |
— | — | — | — | — | -15,5 | 37,8 | -4,8 | -13,0 | -14,8 | 12,9 | 87,7 | 16,8 | -3,4 |
| Metallurgy Fund | — | — | — | — | — | -39,3 | 47,5 | 7,2 | -30,8 | -27,0 | 13,6 | 68,9 | 12,4 | 19,5 |
| MICEX Index | — | 30,9 | 95,7 | 10,8 | -18,4 | -18,0 | 23,2 | 14,9 | -5,4 | -3,1 | 5,6 | 25,7 | 19,7 | 5,8 |
| Oil and Gas Sector Fund | — | — | — | — | — | -6,3 | 5,7 | 14,6 | 15,3 | -10,1 | 13,9 | 21,7 | 12,1 | 1,9 |
| Bonds fund plus | — | — | — | — | — | 16,3 | 25,4 | 11,8 | 9,0 | 8,5 | 0,4 | 10,2 | 9,6 | -2,3 |
| Prospective Investment Fund | — | — | — | — | — | -35,4 | 62,4 | 5,9 | -9,3 | -7,5 | 9,2 | 23,6 | 43,9 | 18,1 |
| Victory Square | — | — | — | — | — | -6,8 | 37,8 | -22,6 | -16,7 | -5,3 | -4,4 | 24,2 | 56,3 | 26,5 |
| Consumer Sector Fund | — | — | — | — | — | -14,5 | 57,1 | -5,4 | -7,1 | 14,5 | 10,3 | 32,7 | 41,6 | 10,7 |
| Fund of Enterprises with state. participation | — | — | — | — | — | -7,5 | 43,1 | 14,9 | 3,6 | -12,2 | -3,9 | 17,9 | 64,1 | 18,8 |
| Balanced Fund | — | — | — | — | — | -0,5 | 26,1 | 17,7 | 5,7 | -0,3 | 1,8 | 17,9 | 23,7 | 11,0 |
| Telecommunications Fund | — | — | — | — | — | -21,1 | 72,1 | 24,7 | -4,5 | 18,1 | 9,7 | 16,3 | 3,4 | 6,2 |
| Electricity Fund | — | — | — | — | — | -15,9 | 79,5 | -27,3 | -29,5 | -24,1 | -18,8 | -0,8 | 68,9 | 35,7 |
| Kuznetsky Most | 18,5 | 36,3 | 47,1 | 31,2 | -11,1 | -19,4 | 31,3 | 7,4 | -12,0 | 0,3 | 15,2 | 34,7 | 28,9 | 22,6 |
| Precious Metals Foundation | — | — | — | — | — | — | 23,3 | 47,0 | -9,1 | -5,4 | -0,7 | 36,9 | 9,4 | -7,8 |
The yield is calculated as the increase in the value of the unit at the beginning of September each year.
The average annual profitability of the mutual fund MC "VTB Capital Asset Management" is shown in the diagram.
The average annual return is calculated as the increase in the value of a unit from the date of the fund's creation to September 2017 on an annualized basis.
Risks of fluctuations in the value of shares and the correlation between mutual funds
For an objective assessment of the effectiveness of investment in mutual funds, it is not enough to determine the profitability of the instrument; the risk of fluctuations in the value of the shares should also be taken into account.
The risk is calculated as the standard deviation of the monthly percentage rate of return. The higher the risk, the more difficult it is to predict the future value of a share. For conservative and long-term strategies, high-risk mutual funds are undesirable for inclusion in a portfolio.
To identify the correlation between mutual funds, we will compose a correlation matrix.
The higher the percentage, the greater the dependence in the dynamics of the value of shares in a pair of funds. I will highlight the most noticeable combinations of correlated mutual funds:
- Group investing primarily in the Russian stock market:
- Equity Fund
- MICEX Index
- Oil and Gas Sector Fund
- Prospective Investment Fund
- Fund of Enterprises with State Participation
- Balanced Fund
- Group investing in foreign companies:
- BRIC
- Global Dividend Fund
The Precious Metals Fund, the Treasury Fund and the Bonds Plus Fund operate independently of other mutual funds. The management company managed to form a number of funds that invest money in similar financial assets, and at the same time achieve a relatively low correlation between them, mainly due to a wide range of financial instruments.
The average correlation coefficient between mutual funds of a management company is 58.6%. I specifically cite this figure, since the smaller it is, the greater the variety of the funds offered. Let me explain that the management company can create several dozen funds investing in the same financial assets. This is done for marketing purposes, but for us, as investors, this assortment is not of interest. Because, firstly, the profitability of all funds of the same type will be approximately the same, and secondly, the dynamics of their value will always be unidirectional, which creates additional risks. Thus, investing money simultaneously in several correlated funds, we will not get a significant increase in profitability, but the risks of fluctuations in value significantly increase.
Strategies for investing in unit investment fund MC "VTB Capital Asset Management"
1. The "buy and hold" strategy
The “buy and hold” strategy is suitable for medium-term and long-term investment of money, as a rule, of several hundred thousand rubles in one of the most profitable and at the same time the least risky unit investment fund for a period of more than 3 years. For these purposes, the following funds are optimal:
- VTB - Treasury Fund with an average annual return of 12.3% and a risk of 2.0%
- Kuznetsky Most with a yield of 14.7% and a risk of 6.0%
- VTB - Balanced Fund with a yield of 11.1% and a risk of 4.4%.
2. Speculative strategy
The ability to remotely execute transactions for the purchase / sale and exchange of shares, as well as the absence of surcharges and discounts for the exchange, allows the use of a speculative investment strategy. You can read more in the article. The most suitable funds for these purposes are VTB funds - the Equity Fund or VTB - the MICEX Index for the period of the rise in the stock market and VTB - the Treasury Fund, VTB - the Bonds Plus Fund and VTB - the Money Market Fund during the recession.
3. Portfolio strategy
The portfolio strategy is to distribute the invested amount of money among several funds in order to obtain the maximum profit at a given level of risk. Traditionally, the portfolio is divided by the level of risk into conservative, balanced and aggressive. This strategy is suitable for investing amounts of money over 1 million rubles for a long time. Let's apply the Markowitz portfolio theory to compose a portfolio.
1) Conservative- estimated profitability of 10.9% per year with a minimum risk of 1.7%.
2) Balanced- estimated profitability of 12-15% per year with moderate risk.
Estimated profitability - 13.2%, risk - 3.0%.
The estimated profitability is 13.7%, the risk is 2.9%.
3) Aggressive- estimated profitability 15.6% per year, risk - 4.9%.
4. Use of mutual funds for insurance of currency risks
The advantage of VTB Capital Asset Management is that a number of the offered funds are already quite well diversified. The structures of mutual fund portfolios include not only Russian enterprises and government bonds, but also foreign ones, which makes it possible to protect capital from currency risks. First of all, such mutual funds include:
- VTB - Eurobond Fund
- VTB - Bonds Fund plus
- VTB - Global Dividend Fund
- VTB - BRIC
The initial data for calculating the profitability and risk of mutual funds were taken from the website investfunds.ru and the official website of VTB Capital Asset Management.
VTB Group invites clients to invest the accumulated funds to generate additional profit. Profitable mutual funds are controlled by VTB Capital Asset Management. They can be paid online through the client's account.
The structure of the company
The company has been providing its services to investors since 1999, joined the VTB Group in 2006. Its main activities:
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- Trust management of funds of individuals, entrepreneurs and organizations;
- Management of funds of private mutual funds;
- Work with pension savings of citizens.
In the structure of the management company VTB Capital Asset Management there are 19 open-ended mutual funds, including funds:
- Stocks and bonds;
- Not industry-specific;
- Mixed;
- Cash;
- Index.
Under the leadership of VTB Capital Asset Management, mutual funds are of a closed type. There are about 120 of them in total. You will not be able to pay for the entrance to them. You can get in only with a special offer, and investments in them involve the investment of large sums - from several million rubles.
Among the partners are large banks, including Intesa, Vostochny Express, URDB and banks of the VTB Group itself, as well as large brokers, investment funds, analytical agencies.
You can view mutual funds, the structure and size of their assets, investment strategy, current and total profitability, as well as understand what fee will need to be paid to enter, on the organization's official website https://www.vtbcapital-am.ru.
You can purchase and pay for shares of mutual funds of VTB Capital Bank Asset Management directly at the branch of the management company, in any bank of the VTB Group, as well as from partners - more than 1000 points of sale of shares in total.
Full conditions for owning shares and all the necessary information on how to pay for mutual funds, questions about buying, selling and exchanging them, as well as an investment calculator, on which you can calculate the potential profit, are located on the official website.
How to purchase shares
Buying, selling and exchanging
To become the owner of the shares of any mutual funds under the patronage of the management company, two documents are enough:
- Passports;
- Papers indicating the details of the account, where the specialists of the mutual fund will transfer the accumulated profit. This can be tracked through the client's account.
You can pay for the purchase of an investment share for the first time after opening a personal account in the register of shareholders of the selected fund in the name of the client. You will need to fill out an application and a questionnaire. This will need to be done in the office, not online.
When buying, selling or exchanging shares, you will not have to sign any additional securities later; you can do or pay for it online through the VTB client's office. Asset Management UIFs.
Pay for the shares for the first time should be done manually by transferring funds through any bank to the account of the management company. After 5 days, the management company will independently transfer the money to the fund in which the client invested. The right of ownership of shares occurs on the next business day after the receipt of funds on the accounts of a particular mutual fund. Information about this will be sent by e-mail or in the form of sms - at the choice of the investor.
Subsequently, it will be possible to purchase and pay for the shares of this fund or another one managed by the company online through the client's account. This requires:
- Authorize in the Telebank system;
- Select the Payments and transfers item through the main menu;
- find the sub-item VTB Capital Asset Management and pay for mutual funds online or enter the received account details for payment.
In addition to the purchase, the client can, without any costs, exchange the units of one unit investment fund for others managed by the company, including through the client's personal account.
How much money can be invested
The minimum investment amount is:
- RUB 50,000 - for Eurobonds, Global Dividends and BRIC funds;
- 5000 rubles - for all other funds.
Minimum deposit amount:
- 5000 rubles - funds of Eurobonds, Global Dividends and BRIC;
- 1000 rubles - for other funds.
Before choosing a specific fund for investment, you need to study the statistics of the profitability of each mutual fund, as well as determine for yourself the acceptable investment time. As a rule, it is required that the funds were in the mutual fund for at least 1-2 years, according to some strategies - from 3 years.
Some funds, especially sectoral and index funds, give good returns only against the background of a growing market, but this means that when the market is falling, shares are cheaper. This also needs to be taken into account when building an investment strategy.
Conclusion
You should also study reviews about mutual funds VTB Capital Asset Management, as practicing investors can suggest the correct entry and exit points from the fund. When calculating profits, one should not forget about commissions and taxes, so investments at the exit can give the lower profitability that the client expected.
The level of return on stocks and bonds in mutual funds is high today. The advantages of such an investment, professional reviews of funds and their feasibility.
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