iis insurance per year. Individual investment account. Where is the best place to open an IIS

10 NYHHR PV yyu. YODYCHIDKHBMSHOSHCHK YOCHEUFYGIPOOSCHK UYUEF - LBL LFP TBVPFBEF?

27 NBS 2015

UREGYBMYUFSHCH LPNRBOYY "zhyobn" DBAF RTBLFYUEULIE UPCHEFSHCH P FPN, LBL OBTBVBFSHCHBFSH ABOUT BLGIK TSCHOLE:

at 1 SOCHBTS 2015 ZPDB X TPUUYSO RPSCHYMBUSH CHPNPTSOPUFSH PFLTSCHCHBFSH YODYCHYDKHBMSHOSHCHE YOCHEUFYGYPOOSCHE UYUEFB (yyu) Y UPCHETYBFSH PRETBGYY U GEOOSCHNY VKHNBZBNY, RPMHYUBSCHEY OBMPEGPCHTEY. ZhPTNBF yyu HCE PVTEM RPRHMSTOPUFSH: CHPNPTSOPUFSH PUCHPPVPDYFSH CHUA RTYVSHCHMSh PF RPDPIPDOPZP OBMPZB YMY RPMHYUBFSH PF ZPUHDBTUFCHB DP 52 FSHCHUSYU THVMEK ETSEZPDOP RTYCHMELBEF NOPZHIUCHEUCHEUCHEU.

ChPRTPPUCH P FPN, LBL LFP TBVPFBEF, PDOBLP, OENBMP: YODYCHYDKHBMSHOSHOSCHE YOCHEUFYGYPOOSCHE UYUEFB OB OEULPMSHLP NEUSGECH HCE KHUREMY PVTBUFY TBOPPVTBOBOSCHNY NNYZHBNY. UBNSHCHE TBURTPUFTBOOSCHE YЪ OII NSCH RPRTPUYMY TBCHEOYUBFSH YURPMOYFEMSHOPZP DYTELFPTTB RTEDUFBCHYFEMSHUFCHB bp "zhyobn" H Z. yTLHFULE lPOUFBOFYOB FAFTYOB.

NIJ 1. "NOE OHTSEO yyu, X NEOS EUFSH VTPLETULYK UYUEF"

lPOUFBOFYO FAFTYO: about PVSCHUOPN VTPLETULPN UYUEFE OBMPZY VHDHF HDETSYCHBFSHUS CHUEZDB, RPMHYUYFSH OBMPZPCHSHCHE MSHZPFSHCH, OBRTYNET, odzhm U BTRMMBFSCH, NPTsOP FPMSHLP PFLTSCHCH yyu. lTPNE FPZP, EUMY VTPLET HDETTSBM have CHBU OBMPZ have PVSCHYUOPZP VTPLETULPZP UYUEFB, OP RHFEN RTPUFPK RETELMBDLY DEOETSOSCHI UTEDUFCH YMY BTBVPFBOOPK RTYVSCHMY have PVSCHYUOPZP VTPLETULPZP UYUEFB ON yyu BL UNPTSEFE CHETOHFSH HDETTSBOOSCHK VTPLETPN odzhm PF PRETBGYK have GEOOSCHNY VHNBZBNY (OD OE VPMEE 52000 THVMEK W PZ). eUMMY CHSH YOCHEUFYTHHEFE H OEDPPGEOOOSCHE VKHNBZY, Y CHBY DPIPD ЪB FTY ZPDB UPUFBCHYF 1000% Y VPMEE, FP UP CHUK RTYVSHMY CHSH NPTSEFE FBLTS OE RMBFIFSH OBMPZY, B BYBVTBYLP EE GEM.

NYJ 2. "eUMMY NOE UTPYUOP RPOBDPVSFUS NPY DEOSHZY, SOE UNPZH YI RPMHYUYFSH TBOSHIE FTEI MEF "

lPOUFBOFYO FAFTYO: OECHETOP! chshch NPTSEFE CHSHCHCHEUFY DEOETSOSCHE UTEDUFCHB CH MAVPK NPNEOF, OILBLYI PZTBOYUEOIK OEF, OP EUMY ChSH IPFS VSH YUBUFYUOP CHSHCHCHPDYFE DEOSHZY U yyu, FP UYUEF BLTSCHCHBEFUUS, B CHSH RTY FFZMPHPB FETSEFPOB. FIs EUFSH, EUMY BL BLTSCHCHBEFE yyu RETCHPZP FYRB (CHSCHYUEF ON CHOPUSCH) TBOEE, Yuen YUETE FTY ZPDB, BL DPMTSOSCH VHDEFE CHETOHFSH RTEDPUFBCHMEOOSCHE CHBN UHNNSCH CHSCHYUEFPCH, OBYUYUMEOOSCHE OBMPZPCHSCHN PTZBOPN, REOY J HRMBFYFSH OBMPZ have RPMPTSYFEMSHOPZP ZHYOBOUPCHPZP TEHMSHFBFB PF PRETBGYK RP UYUEFH. eUMMY BLTSCHCHBEFE yyu CHFPTPZP FIRB (CHSHUEF CH UHNNE DPIPDCH), CHBN OKHTSOP VKhDEF HRMMBFIFSH OBMPZ UP CHUEK RTYVSHCHMY PF PRETBGYK RP UYUEFH.

NIJ 3

lPOUFBOFYO FAFTYO: 13% - YFP NYOYNKHN, FP EUFSH ZBTBOFYTPCHBOOBS DPIPDOPUFSH, OP ChSh NPTSEFE RPMKHYUBFSH Y DPRPMOYFEMSHOSHCHK DPIPD PF YOCHEUFYGYK CH BLGYY, PVMYZBGYY, YOUFTKHNEOFSHCH UTPYuOPKhTSHCHOLB. NPZHF VSHCHFSH Y DTHZYE VPOKHUSHCH, OBRTYNET, LPNRBOYS "zhyobn" OBYUMSEF ½ LMAYUECHPK UVBCHLY gv ABOUT UCHPVPDOSHK PUFBFPL ZHPODPCHPZP Y UTPYuOPZP TSCHOLB.

NYJ 4. "yyu YOFETEUOSCH FPMSHLP TYULPCHBOOSCHN YOCEUFPTBN, B S LPOUECHBFPPT"

lPOUFBOFYO FAFTYO: ABOUT DBOOSCHK NPNEOF OILBLYI PZTBOYUEOOYK ABOUT PCHETIEOYE PRETBGYK RP yyu BLPOPDBFEMSHOP OE RTEDHUNPFTEOOP. y DBTSE UBNSCHK LPOUETCBFICHOSCHK YOCHUFPT, RTYPVTEFBAEYK, L RTYNETH, ZPUHDBTUFCHEOOOSCHE PVMYZBGYY ZHEDETBMSHOPZP BKNB, RPMKHYUYF DPIPD, RTECHSCHYBAEYK UFBCHLY RP DERPYFBN. Rtlethnet: ((52000 TCH. (13% Obmpschchchchkchkchchuf) + 40000 TX. (10% RP PVMISBGYSN, HPFPPSEEEE EYA)) and 3 spp = 276000 TCV. B OelfPFPTCTP LPTTRPTBFIKE PVMYZBGY RTEDBZBAF ON WEZPDOYOK DEKHP, UFP, HYUEFPN OBMPZPCHPZP CHSHCHYUEFB, DBUF DPIPDOPUFSH HCE CH 33%.

NYJ 5

lPOUFBOFYO FAFTYO: h GEMPN, CHETOP. BLPO RPCHPMSEF PDOCHTENEOOP YNEFSH FPMSHLP PDYO yyu ABOUT PDOP ZHYYYYUEULPE MYGP Y CHPURPMSHЪPCHBFSHUS FPMSHLP PDOIN FYRPN CHSHCHYUEFB ABOUT HUNPFTEOYE CHMBDEMSHGB. pDOBLP NPTSOP PFLTSCHFSH UYUEF ABOUT TSEOH, UUEFTH, VTBFB, TPDYFEMEK, DEFEK (EUMY POY UFBTYE 14 MEF), CHSCVTBFSH CHFPTPK FYR UUEFB Y HRTBCHMSFSH CHFPTSCHN yyu RP PZHPTNMEOOOPK DPCHETEOOPUFY. hair dryer UBNSCHN CHPNPTSOPUFY BTTBVPFLB TBUYTSAFUS, Y CH LBTSDSHK LPOLTEFOSHCHK NPNEOF NPTsOP CHSHCHVTBFSH, ABOUT LBLPK UYUEF ЪBYUYUMYFSH DEOETSOSCHE UTEDUFCHB.

NIJ 6

lPOUFBOFYO FAFTYO: dB, FFP FBL. ChISHZHEF RP YYU RPIPTS ON CHISHSEF OUFSH UBBTFYTH, OP EUFSH ULEUUFCHOBS TBYUGB: EMUY CHETCHFSH INTERSHL PDYBTFTFITS NPSOP NBLUINKHN 260,000 TKHVMEK, FP Yiu NPCop CPCTBEBFSP OPZTBYUEOPEA eUMMY YURPMSHЪPCHBFSH UYUEF 10 MEF, FP UHNNB ChPChTBFB NPTSEF UPUFBCHYFSH 520,000 THVMEK, B U HYUEFPN ZPFPCSEYIUS YЪNEOEOYK RP HCHEMYYUEOYA UHNNESCHMPTSEOIK, CHPЪCHTBF NPTSEF.

NYJ 7. "nBLUYNBMSHOSHCHK CHLMBD - 400 FSHCHUSYU THVMEK CH ZPD - OEVPVIPDYNP CHOEUFY ABOUT yyu UTBYKH RTY PFLTSCHFIY"

lPOUFBOFYO FAFTYO: fP OECHETOPE HFCHETZDEOYE. pFLTSCHFSH UYUEF NPTsOP CH SOCHBTE 2015 ZPDB, B RPRPMOIFSH EZP CH DElbVTE. b NPTsOP CHOPUYFSH UTEDUFCHB YUBUFSNY, LBTsDSCHK NEUSG, CH MAVPN LPMYUEUFCHE, OBRTYNET RP 10,000 THVMEK.

NIJ 8. "ABOUT 100% CHOUEOOOSCHI ABOUT IYU DEOEZ NPTsOP PZHPTNYFSH CHLMBD"

lPOUFBOFYO FAFTYO: chLMBDSch NPTSOP PZHPTNMSFSH B TBNLBI yyu ON UYUEFBI DPCHETYFEMSHOPZP HRTBCHMEOYS, OP OHTSOP RPNOYFSH P FPN, YUFP Sing OE UFTBIHAFUS ZPUHDBTUFCHPN, RPFPNH YUFP UYUEFB BTEZYUFTYTPCHBOSCH ATYDYYUEULPE MYGP ON, B ON OE ZHYYYUEULPE - PF OEDPVTPUPCHEUFOPZP VBOLB bZEOFUFChP RP UFTBIPCHBOYA CHLMBDPCH CHBU URBUFY OE UNPTSEF.

NYJ 9

lPOUFBOFYO FAFTYO: zPUHDBTUFCHP ZBTBOFYTHEF MYYSH CHCHYUEF OBMPZCH Y RPMKHYUEOOSHCHI RTYVSHCHMEK. yuFP LBUBEFUS ZBTBOFYY UPITBOOPUFY DEOEZ UYUEFE ON, OP EUMY METSBF Poi H-LBLYI MYVP BLFYCHBI (BLGYY, PVMYZBGYY) FP FP CE FBLPE YNHEEUFCHP, LBL LCHBTFYTB, NBYYOB, DBYUB, ENMS, J OYLFP OE CHRTBCHE PFPVTBFSH FP YNHEEUFCHP X CHBU. h Umkhyube, Eumy Deaudejacker Utagecb RTPUP METSBF About Uunefe, FP Zbtibofy Zpuchdbtufchb RPLB OEF, Pvuhsdubafus Pvkuchubi VKHDUFTUFCEOPN CHTPCH VKHDAF, Chetpsfop, TBVFBFSF RP RTYOGYRK Bzeofufchb RP UFBIPCBBA Chlumbdpch. RP UHFY, DBOOBS ЪBEYFB OHTSOB PF OEDPVTPUPCHEUFOSHCHI NEMLYI VTPLETCH, LPFPTSCHN OYUEZP FETSFSH.

NIZh 10

lPOUFBOFYO FAFTYO: fTY ZPDB UHEEUFCHPCHBOYS YODYCHYDKHBMSHOPZP YOCHEUFYGYPOOPZP UYUEFB OEVPVIPDYNSCH DMS RPMHYUEOYS MSHZPF. sing UYUYFBAFUS U DBFS BLMAYUEOYS DPZCHPTTB ABOUT yu. YuEN TBOSHIE CHSH BLMAYUYFE DPZPCHPT (UYUEF RTY LFPN, OBRPNYOBA, NPTsOP RPRPMOIFSH Y CH LPOGE RETCHPZP ZPDB, UN. RETCHSHCHNY, LFP CHPURPMSh'PCHBMUS LFPK CHP'NPTSOPUFSHHA Y PFLTSCHM UYUEFB HCE CH RETCHSHCHE TBVPYYE DOY SOCHBTS, VSCHMY UBNY UPFTKHDOYLY VTPLETULYI LPNRBOYK, LPFPTSCHN OE OHTSOP VSCHMP PVZPDKhU.

ABOUT the site RHVMYLHAFUS NBFETYBMSCH, RTEPUFBCHMEOOOSCHE BOBMYFYLBNY Y FTEKDETBNY TPUUYKULYI Y OBTHVETSOSCHI YOCHEUFYGYPOOSCHI LPNRBOYK Y VBOLPCH. YI NOOEOYS NPZHF OE UPCHRBDBFSH U NOOEOYEN TEDBLHYY. bChFPTSCH LPNNEOFBTYECHOE VETHF ABOUT UEVS PFCHEFUFCHEOOPUFSH b DEKUFCHYS, RTEDRTYOSFSHCHE ABOUT PUOPCHE DBOOPK YOZHPTNBGYY. at RPSCHMEOYEN OPCHSCHI DBOOSCHI RP TSCHOLKH RPYGYS BCHFPTPCH NPTSEF NEOSFSHUS. rTEDUFBCHMEOOSHCH LPNNEOFBTYY NOOEOYS CHSHTBTSEOSHCH U HUEFPN UYFHBGYY ABOUT NPNEOF CHSHCHIPDB NBFETYBMB. lPNNEOFBTYY OPUSF YULMAYUYFEMSHOP PЪOBLPNYFEMSHOSHCHK IBTBLFET; SING OE SCHMSAFUS RTEMPTSEOYEN YMY UPCHEFPN RP RPLHRLE MYVP RTPDBTSE GEOOSCHI VKhNBZ. UFPYNPUFSH GEOOSCHI VKHNBZ NPTSEF HCHEMYYUYCHBFSHUS Y HNEOSHYBFSHUS, TEEKHMSHFBFSCH YOCHEUFYTPCHBOYS CH RTPYMPN OE PRTDEMSAF DPIPDSCH H VHDHEEN, ZPUHDBTUFCHP OE ZBTBOFYTHHEF DPIPDOPUFSHOYYOZCHEUFSHYO

UFBFHU NYTPCHPZP NBUYFBVB: SHENE ACHEMYT P UPFTHDOYUEUFCHE U NYTPCHCHNY VTEODBNY

rPYuENH SHENE ACHEMYT YOFETEUOP UPFTHDOYYUBFSH have NYTPCHSCHNY ACHEMYTOSCHNY VTEODBNY, LBLYE FTEVPCHBOYS OBMBZBEF ON LPNRBOYA FBLPE UPFTHDOYYUEUFCHP, J LBLYE VTEODSCH OBYVPMEE RPRHMSTOSCH X YTLHFSO, TBUULBBMB zBEFE Dempo LPNNETYUEULYK DYTELFPT SHENE ACHEMYT fBFShSOB rYUBTEChB.

CHBDYN PUFBREOLP, IL "ZHTIDPN JYOBOW": "RyzhShCH - GENERAL CHUE. pFLTSCHCHBEN DMS UEVS BLFHBMSHOSHCHE YOCHEUFYGYPOOSCHE YOUFTHNEOFSHCH"

EUMY ChSCH OCHYUPL CH YOCHEUFYTPCHBOYY – PYO YY MHYUYI URPUPVPCH OBYUBFSH FFPF KhChMELBFEMSHOSHCHK RHFSH BTVBFSCHCHBOYS DEOEZ U CHLMBDB OEVPMSHYPK UHNNSC CH RBECHSHCHE YOCHEUFYGIPOOSCHE ZHPOODSHCHK.

“x yTLHFULB EUFSH CHUE YBOUSCH UFBFSH MYDETBNY GYZHTPCHYBGYY tPUUYY” - PLUBOB mPVCHB, vBKLBMSHULYK VBOL uVETVBOLB

yTLHFULBS PVMBUFSH CHIPDYF CH DEUSFLH TEZYPOPCH-MYDETPCH, RTPSCHMSAEYI YOFETEU L GYZHTPCCHN UETCHYUBN. uFP DBEF GYZHTCHBS FTBOUZHPTNBGYS TEZYPOH? LBLIE TEYOYS VHDHF OBYVPMEE CHPUFTEVPCHBOSC NHOIGYRBMYFEFBNY? yFY CHPRTPUSCH PVUHDYMY RTEDUFBCHYFEMY NKHOYGYRBMSHOSHCHI PTZBOPCH CHMBUFY, VADTSEFOK UZHETSCH, VYOEU-UFTHLFHT TEZYPOB PE CHTHENS "GYZHTPCHPZP DOS", PTZBOYBFPTPN LPFPTPZP VLBVKHRMBOL.

DCHB PZHYUB tPUUEMSHIPVBOLB PFLTSCHMYUSH H YTLHFULPK PVMBUFY RPUME TEOPCHBGYY

5 NBTFB 2020 ZPDB DMS TSYFEMEK FKHMHOB Y OYTSOEHDYOUULB PFLTSCHMY DCHETHY PVOCHMEOOSH PZHYUSCH TPUUEMSHIPVBOLB. h Fppetsufseopk Gothetshfis RTYOSMY Hubufye Zambhech Nukhirbmuschoshki PVTBBBCHB, RTeDofbchyfemi Chadpnafch, Horthbchmeoise Umeshulpzp Ipъskuchb, Reojipoppzp Zhpodb, Upgybmshopk Obmbaphs Baby's Babe Podufoshchka Chlumbdüilea Babe.

Chfv RETECHPDYF UEFSH ABOUT VEEVKHNBTSOHA FEIOPMPZYA

Chfv PYO YЪ RETCHSHI RETECHPDYF CHUA VBOLPCHULHA UEFSH ABOUT VEEVKHNBTSOHA FEIOPMPZYA. GYZHTPCHPK ZHPTNBF RPDRYUBOYS DPLHNEOPPHCH UFBOEF DPUFKhREO LMYEOFBN CH RETCHPN LCHBTFBME 2020 ZPDB ChP CHUEI FPYULBI RTPDBTs - LFP RPTSDLB 1.5 FSHCHU. PZHYUPCH chfv RP CHUEK UFTBOE.

CHYLFPT ZETBEEOLP CHSCZEZ VSH OBRBMNPN URELHMSOPHR RPLBBFEMSHOSHCHN HLTERMEOYEN THVMS

GEOPCHBS ChPKOB ABOUT TSCHOL OEZHFI - UNEMPE Y TYULPCHBOOPE TEYOYE TPUUYKULYI CHMBUFEK. POP, CHNEUFE U FEN, YNEEF YUEFLHA Y SUOKHA MPZYLKH, UYUYFBEF bMELUBODT tbhchbech, THLPCHPDYFEMSH ybg "bMSHRBTY".

Tkhubm PYASCHMSEF PRETBGIPOOSCHE TEEKHMSHFBFSCH YuEFCHETFPZP LCHBTFBMB Y 2019 ZPDB

Thubm (ATD FPTZPCHSCHK zPOLPOZULPK ZHPODPCHPK VYTTSE ON 486, ON nPULPChULPK VYTTSE RUAL), PDYO dv LTHROEKYYI H NYTE RTPYCHPDYFEMEK BMANYOYS, PVYASCHMSEF TEHMSHFBFSCH PRETBGYPOOPK DESFEMSHOPUFY LPNRBOYY YUEFCHETFPN LCHBTFBME W Q W 2019 ZPDH.

"LIFBKULBS YZMB". oBULPMSHLP UFTBYEO DMS FHTVIJOEUB ABOUT vBKLBME LPTPOBCHYTKHU

ZHZHELF DPNYOP CHSCHCHBMB RYDENYS LPTPOBCHYTHUB ON YTLHFULPN FHTYUFYYUEULPN TSCHOLE - lYFBK BLTSCHM ZTBOYGSCH, tPUUYS BRTEFYMB TEZHMSTOSCHE J YUBTFETOSCHE BCHYBTEKUSCH, RTYPUFBOPCHYMB TSEMEOPDPTPTSOPE UPPVEEOYE, OBYUBMYUSH NBUUPCHSCHE PFNEOSCH FHTPCH, UOSFYE VTPOY B ZPUFYOYGBI yTLHFULB TH OF vBKLBME. CHUS YuETEDB UPVSCHFIK RTPYYPYMB VHLCHBMSHOP ЪB 1.5 OEDEMY. NOPZYE HYUBUFOILY FHTYUFYUEULPZP TSCHOLB DP UYI RPT RTEVSCHCHBAF CH OELPFPTPK TBUFETSOOPUFY Y ЪBFTHDOSAFUS PGEOYFSH NBUYFBV RPFESH. CHUE RTJOBAF, UFP OYNOIK UEPO ABOUT vBKLBME RTPCHBMEO. uFP RTPYUIPDYF ABOUT FHTYUFYUEULPN TSCHOLE? rPYUENKh TEZYPOBMSHOSHCHK FHTVIJOEU PLBBMUS FBL HSHCHYN ?.

10 OEPVSHCHUOSCHI WBLFPHR PV bMSHZHB-vBOLE H yTLHFULE

BMSHZHB-vBOL CH yTLHFULE PFRTBDOCHBM 20-MEFOYK AVYMEK. ABOUT RTBDOYUOPK CHUFTEYUE CHURPNYOBMY, U UEZP CHUE OBYUYOBMPUSH, ZPCHPTYMY P FPN, YUEN PFMYYUBEFUS VBOL UEKYUBU, ... Y UMHYBMY TPL CH YURPMOEOOYY PRETOSHCH RECHGPCH nBTYYOULPZP FEBFTB. uFP-UFP, B HDYCHMSFSH bMSHZHB-vBOL CHUEZDB HNEM! CHUENKH "CHYOPK" PUPVSHK bMSHZHB-ZEO?

LBL RTPIPDYF TEZHPTNB TSCHOLB TSYMShS? uVETVBALL RTCHEM H yTLHFULE "LTHZMSCHK UFPM" U BUFTPCEYLBNY Y RBTMBNEOFBTYSN

"LTKhZMShCHK UFPM", RPCHSEOOOSCHK ChPRTPUBN BLPOPDBFEMSHUFCHB tzh Ch ALREADY TSYMYEOPZP UFTPAYFEMSHUFCHB, UPUFPSMUS H yTLHFULE ABOUT RMPEBDLE GEOPTBMSHOPZP PZHYUB vBKLBMSHULPZP VBOLB. h TBZPCHPT RTYOSMY Hubufye Derkhfbfshch ZPUHDBTUFCEOPK DHNSch - Oilfkk Oilpembin, BMLBODT SLIKHVPCHULYK, HNTBCHMSAYK YTLHFULEEN PFTEMEYEN RUBBLABS OBFBMYS GBKFMET, THLCPCHPDIFEMY 21 LPNRBOY-BUBFTPKEYLB. geoftbmshopk FENPK DYULKHUUY UFBMP PVUHTSDEOYE TEEKHMSHFBFPCH TEZHPTNSCH TSYMShS H tPUUYY Y YURPMOEOOYE BUFTPKEYLBNY TEZYPOB FTEVPCHBOYK BLPOPDBFEMSHUFCHB RP YURPMSHUPCHLBOYA.

“NEDRTPIYCHPDUFCHP CH YTLHFULE? GO!” LBL LPNRBOYY "NEDFEIUETCHYU" HDBMPUSH OCHPЪNPTSOPE

CH tPUUY PZHYGYBMSHOP ЪBTEZYUFTYTPCHBOP 5 NYMMMYPOCH DYBVEFYLPCH, ETSEZPDOP YI YUYUMP HCHEMYYUYCHBEFUS ABOUT 10%. ABOUT UBNPN DEME, LFB GYZHTTB VPMSHYE CH DCHB TBBB: NOPZYE RTPUFP OE OBAF P UCHPEN OBVPMECHBOY. pDIO Y UPVUFCHEOOILPCH LPNRBOY "NEDFEIUETCHYU" DBCHOP VPMEO DYBVEFPN Y OBLPN U RTPVMENPK OE RPOBUMSCHYLE. YDES RPUFFFSHP HTLHFUL NABRCHPD RP RTPYUCHPDUFCH DYBVEFYYULYI FEUF-RPMPOOPL RPBYUBMH LBMBMBUSHNEYEN: NBMP LFP Chetichem, YuFP BFP ChPNPTSOP otdeush, h Uvighti, Chdbmi PF Ufmühtpch. OP CHUE HDBMPUSH. UEZPDOS RTPDHLGYS LPNRBOYY CHPUFTEVPCHBOB HTS Y ABOUT CHOEYOYI TSHCHOLBI. oEDBCHOP "NEDFEIUETCHYU" RTY HYBUFYY GEOFTTB RPDDETTSLY LLURPTFB BLMAYUYM LPOFTBLF U VEMPTHUYEK. pF UFBTFB RTPELFB DP CHSCHIPDB ABOUT LLURPTF RTPYMP CHUEZP OEULPMSHLP MEF. lPOUFBOFYO CHPTPVEK, DYTELFPT RP TBCHYFYA LPNRBOYY "NEDFEIUETCHYU", RTPCHEM LLULKHTUYA RP BCHPDKH Y TBUULBBM zBEFE DEMP, LBL CHUE LFP UFBMP ChPNPTSOSCHN.

Chfv PFLTSCHM PJYU Private Banking Ch yTLHFULE

Chfv Private Banking – FFP UREGYBMYYTPCHBOOPE RPDTBDEMEOYE RP HRTBCHMEOYA LBRYFBMPN Y PVUMHTSYCHBOYA RTENYBMSHOSHCHI LMYEOFCH Y YUMEOPCH YI UENEK. yN DPUFHROSCH LMBUUYYUEULYE VBOLPCHULYE HUMKHZY U MHYUYNY HUMPCHYSNNY, YOCEUFYGYPOOSCHE RTPDHLFSCH, HUMKHZY Family Office - ATYDYUEULPZP Y UPTCHPTSDEOYE, CHPRTPUSCH OBUMEDPCHBOYS LBRYFBMKHZYE, B FBL.

Tuiv HMHYUYM HUMPCHYS PVUMHTSYCHBOYS LLURPTFETCH Y HYBUFOILPCH chd

TPUUEMSHIPVBOL CHCHEM H DECUFCHIE DCHB OPCHSHI FBTYZHOSHCHI RMBOB: PYO RTEDOBOBBYEO LLURPTFOP PTYEOFIITCHBOOSCHN LPNRBOISN brl, CHFPTPK - LPNRBOISN, CHEDHEIN CHOEYOYELPNYUEFSHOPU DESFEMSHOPU. h TBNLBI FBTYZHOSHCHI RMBOPCH VBOL RTEDMBZBEF CHSHZPDOSHCHE GEOPCHSHCHE HUMPCHYS ABOUT LPNRMELU HUMHZ RP TBUYUEFOPNH Y DYUFBOHYPOOPNH VBOLPCHULPNH PVUMHTSYCHBOYA (dvp), B FBLTS ABOUT HUMHZY CHBMAFTOP.

Chd - H PDOPN PLOE. pMShZB veureyuobs - P OPCHSHI UETCHYUBI Y HUMHZBI DMS LMYEOFPC-LURPTFETCH

YTLHFULYK VYOEU CHUE BLFYCHOE CHSHIPDYF ABOUT NETSDHOBTPDOSHCHOLY. fPTZPCHSHCHK PVPTPF TBUFEF, B CHNEUFE U OIN TBUFHF Y RPFTEVOPUFY RTEDRTYOYNBFEMEK H LBYEUFCHEOOPN VBOLPCHULPN UPRTCHPTsDEOYY CHOEYOELPOPNYUEULPK DESFEMSHOPUFY. BMSHB-BBB - Lthroekyk Yubuchuzochk BBVFFBEF - Blinger TBVPFBEF h Obtbchmeoye Chud, RTEDBSBS LMYEOFBN NI PLACE GIKTHTHYSKY, CHISSPECT FBTYZHSHKH, YLLRETFYEKH, CHPNPTSOFUFS TEYFSHEFSH CHECH PLOBUT PLOB. rPDTPVOEE PV LFPN TBUULBBMB PMSHZB VEUREYOBS, TEZYPOBMSHOSHCHK HRTBCHMSAEIK bMSHVB-vBOLB H yTLHFULE.

Director of the branch of SDM-Bank in Voronezh

Education

In 1997 she graduated from Voronezh State University with a degree in Accounting and Audit. Fluent in English.

Career at SDM-BANK

The story of Alla Vladimirovna and SDM-Bank is more than just the story of a successful career as a top manager. According to Alla Vladimirovna, the branch in Voronezh is not just a job, a service, a career. This is part of life, part of the family, the second home. And now it is already possible to speak with confidence about the labor dynasty: Alla Vladimirovna became the director of the branch after her father, Vladimir Andreevich Voronov. It was he who was the first head of the branch, who created it in 1995 and ensured the sustainable development of the business until 2012.

By the time she was appointed to the position of director, Alla Vladimirovna had worked at SDM-Bank for more than 15 years. She started, as befits a yesterday's student, from the position of an economist.

Now Alla Vladimirovna recalls with a smile that she had to do almost everything, not limited only to her direct duties, “except that I didn’t work as a driver or an IT specialist - otherwise I was everywhere on the hook.” The attitude towards the branch was formed precisely by the father's leadership: never approach tasks formally, live at work, treat the branch as if it were your brainchild - these are the basic principles on which Alla Vladimirovna's work was built throughout her career.

The list of Alla Vladimirovna's positions eloquently confirms that it is precisely this attitude that is the key to the success of both business and the person in it.

1997 - economist;
In 2000, she was transferred to the position of Internal Control Inspector;
In 2003 she was appointed to the position of a loan officer;
In 2004, she was transferred to the position of head of the credit department;
In 2008, she was appointed to the position of Deputy Director of the SDM-Bank branch in Voronezh;
In 2012, she became a branch manager.

Personal qualities

Even before Alla Vladimirovna became her father's "right hand" in the bank, her personal achievements were impressive. She graduated from a mathematical school, with honors and without a single four, graduated from the University, was one of the best students of the course. Alla Vladimirovna admits that not only does mathematics and numbers not frighten her, on the contrary, in this area her “soul sings”. Therefore, he remembers his work in the credit department with special warmth. “Of all the departments, it is the credit department that is the most beloved, - this is mine,” Alla Vladimirovna admits.

The secret of a successful career

It is always worthy of admiration when it is clear that a person is in his place and does what he likes and what he does well. Alla Vladimirovna admits that she was invited to work in other banks many times, but she could not leave her native bank.

Now the branch of SDM-Bank in Voronezh employs 28 people, and Alla Vladimirovna makes every effort to ensure that all employees in the bank are interested and that work, no matter how much it is, is a pleasure. “Our branch has very little staff turnover. And we are very proud of this. I try to convey my positive attitude and responsible attitude to business to all my employees,” Alla Vladimirovna notes.

The core team of the branch has been working together for more than 10 years. Moreover, everyone, both employees and, which is very important, customers, really like our microclimate and atmosphere. Hence the large number of regular customers who have been served by us for about 19 years. Customers remain loyal to the bank, and the branch team is also very proud of this.

Last update: 04-01-2020

How does the IIS work?

There are two types of benefits in total.

Each IIS owner can use only one:

Class A benefit- obtaining a tax deduction for personal income tax. persons, if the first payment was made at least three years ago. This option is suitable for those who have a regular income, which is subject to income tax, and also does not want to take risks. In other words, you can get back the 13% that your employer withholds from your salary.
Class B benefit– return of income tax in full in the form of a tax deduction, if the first payment was made at least three years ago. A person receives a deduction when the account is closed (it is possible to close the account earlier, however, in this case, the tax deduction will not be paid). This option is well suited for those who trade in the stock market and do not have a fixed salary. In other words, if you have earned a large amount, you may not pay tax on it.

See the next paragraph for an example.

How profitable is it and how much can you earn - profitability, dividends?

Consider now a few examples of the use of IIS:

Taxpayer Ivanov in 2015 he issued an IIS (according to the personal income tax return scheme). In 2015, a person received a salary of 500,000 rubles, from this amount he paid income tax in the amount of 65,000 rubles (13%). He opened the IIS and put 300,000 rubles into it. Thus, he will return 39,000 rubles (13%) to himself in the form of a deduction.
Taxpayer Sidorov in 2013, 2014 and 2015 he deposited 100,000 rubles each for IIA (under the income tax exemption scheme). He conducted various operations on the stock market and in 2016 his balance was 1,000,000 rubles. In other words, a person made a profit in the amount of 700,000 rubles. In this case, upon termination of the contract, he will not have to pay income tax on these 700,000 rubles.

What is the difference?

Class A benefit is guaranteed to be received, Class B benefit depends on whether you managed to earn money or not.

Where is it more profitable to invest money in a bank or in an IIS?

There is no single answer. It all depends on the specific situation. It is important to understand the following points:

If you have been successfully trading on the stock exchange for a long time, then you should definitely open an IIS. After all, income tax will eat up a large amount of money, and with the help of IIS, this situation can be avoided.
If you receive a salary, then it all depends on the percentage at which you can put money in the bank. If the bank offers a good interest rate, then it may be more profitable to deposit money in the bank.
However, a high interest rate may indicate that the bank is experiencing certain difficulties and may close (deposits are insured for 1.4 million rubles).
The tax refund is guaranteed by the state.
So far, IIS is not insured, unlike deposits in banks.
To get the maximum benefit, the money in the account must lie for 3 years.

For instance, for amounts up to 300,000 rubles, you can do quite well Tinkoff Black debit card. It is also convenient to use the interest rate at the level of deposits in many banks (in most cases it is higher by 1-3%).

How to open IIS?

At present, many Finnish organizations offer this tool. There are no difficulties, the only thing to pay attention to is the investment strategy. Big interest means big risks.

Rating and where is it better to open?

You can get IIS at an investment or management company, as well as at banks that trade on stock exchanges.

A few examples: Sberbank PJSC, VTB 24 PJSC, Finam JSC and so on.

PJSC Sberbank - 68.971 accounts.
JSC "FINAM" - 38.693 accounts.
Otkritie Broker JSC - 36.202 accounts.
LLC "Company BCS" - 31.685 accounts.
PJSC VTB 24 - 13.598 accounts.
ATON LLC - 8.287 accounts.
LLC “MC “Alfa-Capital” – 7.839 accounts.
PJSC Promsvyazbank - 3.709 accounts.
JSC Gazprombank - 3.399 accounts.
LLC FC “RGS Investments” – 2.996 accounts.

How many IIS can be opened?

Only one IIS can be opened per investor (according to No. 39-FZ, article 10.2-1, paragraph 2). If a person opens a new IIS, then he is obliged to close the old one within a month.

Conditions and tariff of IIS

Important! The figures in the tables are given as an example and may change over time. See official websites for up-to-date information.

Below is an approximate sequence of steps that will need to be completed in order to open an IIS in the largest banks in the Russian Federation.

For example, to open an IIS in Sberbank, you need to do the following:

Sberbank rates:

To open an IIS in FINAM JSC, you need to do the following:

Prepare all the necessary documents and register on the site, indicating your real personal data. When registering, you must indicate that you are registering under the IIS program. Also, to open an account, you can visit one of the representative offices of FINAM JSC.
Representatives of the company will consider your application and make a decision.
If your application is approved, then you can transfer money to your account and start trading.

Tariffs of FINAM JSC:

What documents are needed?

To open an IIS in Sberbank, you need to provide the following documents:

Passport and TIN (but only if you do not have a universal account with Sberbank).
Application and questionnaire.
Any other documents at the request of the bank related to commercial activities. An example - the bank may require you to write a receipt that you no longer have an IIS or you have another IIS, but you undertake to close it within the next 30 days (since you can use no more than one IIS in one billing period).

To open an IIS in FINAM JSC, you will need the following documents:

Passport and IIN.
Any other documents at the request of the organization related to commercial activities. An example - a company may require you to write a receipt that you no longer have an IIS or you have another IIS, but you undertake to close it within the next 30 days (since you can use no more than one IIS in one billing period).

Agreement for opening an individual investment account

When opening an IIS in any financial institution, an agreement is concluded.

If you open an IIS online, then you are provided with an electronic version of the contract; if you agree with it, you confirm it, and the contract will be recognized as signed.

The texts of contracts of different companies in most cases differ little from each other; differences may relate to such items as the size of the commission, the ability to trade on foreign stock markets, and so on.

Insurance

Today it is impossible to insure IIS.

However, in June 2017, the government supported the bill, according to which it will be possible to insure the IIS of individuals.

It is assumed that the Deposit Insurance Agency will deal with the payments. It is expected that IIA insurance will start working in 2018, but it is quite possible that the bill will be rejected or returned for revision.

How to replenish?

To replenish through Sberbank, you need to contact the bank branch, provide the amount and say that you want to put it on the IIS.

You can also top up using online banking. and then transfer the money to IIS. Map translation looks like this:

Go to Sberbank Online.
Open the “Payments and transfers” item, select “Investments and insurance - brokerage accounts”, then open the “MICEX Stock Exchange”.
Now you need to indicate the card from which the money will be debited, as well as indicate the 5-digit code that is issued after the conclusion of the IIS.
Click "Continue". Now the money will be transferred from the card to the IIS within 24 hours.

Clients of FINAM JSC can replenish their account in the following ways:

In specialized ATMs.
In all departments of the company.
Transfer from a card (VISA, Mastercard and so on).
In some mobile salons (Beeline, MTS, and so on).
With the help of a special Rapida application.
Replenishment using QIWI.

How to close IIS?

You can close the IIS at any time.

In most cases, to do this, you need to contact your company / bank and write a statement that you want to close the IIS (some organizations allow you to close an account online).

However, one must remember that IIS must be valid for at least 3 years; if you close it ahead of time, then you will have to return tax deductions back to the budget (if you have not received them yet, then you lose the right to receive it).

Return of personal income tax and documents for the tax

An example plan that can help you get a tax deduction on contributions:

At the end of the tax period, submit an electronic declaration to the tax service in the form of 3-NDFL. In the declaration, check the box next to the “Tax deduction” item and indicate the entire amount of money that went to your IIS.
Also, documents must be submitted to the tax office confirming the receipt of income subject to a 13 percent rate and the fact of accrual of funds.
Write an application to the tax office for a refund. The application must indicate the bank details where the money will be transferred.

An approximate plan with which you can get a tax deduction for income:

Write an application to the tax service so that it provides you with a document confirming the fact that you did not use tax deductions for IIS during the entire period of receipt of money.
Provide your broker with this certificate; now, when paying out money, the broker will not withhold income tax in favor of the state.

Advantages and disadvantages

Pros:

Tax deductions are guaranteed by the state. Money can be deposited in a bank, but banks often fail, while tax deductions are not paid by the bank, but directly by the state. This increases the reliability of deposits.
You can choose a benefit depending on how you earn money. Everything is simple here - if you receive a salary, then you use one tariff, but if trading on the stock exchange is your main field of activity, then you use a different tariff.

Minuses:

If you closed the IIS ahead of time, you will have to return all tax deductions. Of course, money can be withdrawn at any time from the IIS, but this will actually represent a default on obligations to the state, so the money will have to be returned.
You can put money in the bank at a higher interest rate. If you receive a salary, then it does not always make sense to deposit money in IIS (although tax deductions from such deposits are guaranteed by the state and they will be paid even if the bank goes bankrupt).

The yield of IIA (individual investment accounts) varies on average in the range of 10-20%. Even if you come across more enticing numbers, know that you will have to work hard to achieve similar results.

Different banks and investment houses are trying to combine the appeal of such an account, on which you can receive a personal income tax return, with other products.

So, for example, Brokerage House "Opening" gives you two options: trade yourself or connect to a ready-made portfolio.

And although on the company's website you will see an attractive figure of 47% per annum when connecting to a ready-made portfolio, here you need to take into account several nuances, such as:

1) Past success does not guarantee future profits,

2) And also that at the moment when you decide to become an investor, the market will be at attractive entry levels, and not vice versa.

The BCS company gives its clients the opportunity to repeat the commands of experienced managers for free for two months. In this case, you have a chance to earn up to 20% per annum. However, further for such a luxury you will have to pay an additional commission.

Sberbank (MCX: SBER) offers a completely risk-free approach: IIS + OFZ. In this case, you receive a tax refund and coupon yield on bonds. Conservative - yes! Reliable - yes! But the interest will be more modest: in the first year it will be about 20-21% per annum, but then exactly as much as it drips from the bonds. At current rates, this is 7.5-8%.

This idea can undoubtedly become an alternative to bank deposits, but ordinary citizens are still primarily concerned about the safety of their money.

And here, of course, the information that the State Duma of the Russian Federation last year adopted in the first reading the draft federal law No. 76910-7 “On insurance of investments of individuals on individual investment accounts”, made many believe that they could protect themselves.

However, this is not quite true!!! It is proposed to recognize as insured events the annulment of the license of a professional participant in the securities market - a broker, manager or depository, the revocation of a banking license from an insurant that is a credit institution, as well as the introduction by the Bank of Russia in accordance with the legislation of the Russian Federation of a moratorium on satisfying the claims of creditors of an insurant that is a credit institution. organization.

The bill does not provide for insurance of investment risks and risks of reducing the value of investments.

So a drawdown or loss of part of your funds is still your personal problem. But I must admit that in my opinion, this is fair. You can't fry an egg without breaking the eggs.

The source of financing for the investment insurance fund is supposed to be contributions from professional participants in the securities market - participants in the insurance system. The maximum amount of insurance payment, according to the bill, is set at 1.4 million rubles - by analogy with the amount of compensation for deposits of individuals.

I believe that the idea of insurance is primarily aimed at attracting a wider range of people to invest in the Russian securities market.

I will say from my own experience that some of the players left it irretrievably after the events of 2008. Therefore, citizens need certain guarantees, and even if only the initial amount falls under insurance, without accrued interest, this is already an important step towards increasing the level of financial literacy of the population and a step that says that you will at least stay with your own.

Inaccuracies, of course, still remain, from the idea process to the implementation of this issue, you need to go a long way. And the main question will remain how insurance premiums will be made, with what frequency, etc. Will some body regulate this process, will sanctions be introduced against unscrupulous brokers.

But one way or another, new opportunities are opening up for us, which, at least, are worth exploring!

Anastasia Ignatenko, leading analyst at Teletrade Group of Companies