Mutual investment funds of the company Finam. General information about the company

Investment holding "Finam" () - Russian brokerage company with over 300,000 customers. The company offers customers access to the world's largest trading platforms, training, trust management, banking service and much more. In this article, I will talk about what Finam is today, what advantages and disadvantages the company has, and also traditionally consider feedback from real Finam customers.

Finam offers a very convenient online service that allows beginners to buy shares in a few clicks. If you have never bought stocks and don't know how to do it, then the button below is for you.
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History of Finam

I have been blogging for over 6 years now. During this time, I regularly publish reports on the results of my investments. Now the public investment portfolio is more than 1,000,000 rubles.

Especially for readers, I developed the Lazy Investor Course, in which I showed you step by step how to put your personal finances in order and effectively invest your savings in dozens of assets. I recommend that every reader go through at least the first week of training (it's free).

Of course, this list interesting opportunities for Finam's clients are not limited, but from it it is already clear why the company is popular not only in Russia, but also abroad. For Russian traders from June 1, 2016, a unique service "Single trading account" is offered. It is provided by Just2Trade Online LTD. The essence of the service is that a trader can work on international financial markets from his ruble account with Finam. More than 10,000 tools are available as part of this service. It is also important to note that Finam is the first broker to receive .

Whotrades service

The Finam website is an entire Internet republic. So many information flows and thematic sections are woven together here that at first it is difficult to figure it out. Navigation is implemented in the form of a horizontal menu in the site header. Transitions between sections require almost no backtracking, which saves time. The portal for communication between traders Whotrades, which can be accessed from the main page of Finam, deserves special attention. Here you can blog and publish forecasts. Links to the most popular authors and forecasters are displayed on the main page of the portal.

A personal account is a kind of control panel for all available resources. From here you can not only edit your blog, but also open an account and access global trading platforms, take part in online conferences and webinars. The portal was created on the basis of the Cypriot brokerage Whotrades LTD (existed since 2006), so the social network for traders, the information feed and trading are integrated with many horizontal links.

Currently, trading is carried out through another broker Just2Trade Online LTD, registered in 2015. It is also a company with Cypriot jurisdiction. This means that traders get access to any instruments traded on world markets. A trading account (in rubles, US dollars or euros) can be opened both directly through Just2Trade Online, and in investment company Finam. The maximum leverage for the stock market is 50 (which is a lot), and for the Forex market - 500. Theoretically, it is possible to pay dividends from the acquired shares (highlighted as a big advantage), but only in case of delivery of the asset. This means that the client receives an extract from the depositary, according to which he is the owner of the shares. However, for the delivery of an asset, a transaction in the amount of 50 thousand US dollars is required. In the case of smaller amounts, the asset is not delivered and the shares are traded virtually: profits and losses depend on current quotes, but the trader does not have the shares themselves.

Tariffs and software

The variety of software that Finam's clients work with is daunting at first. There is a huge selection of both trading terminals and programs for technical analysis. Even a simple listing of all names, versions and additions is problematic, so we will only indicate the main ones.

The strong point of FINAMA is the “Single account” service. This means that clients from one brokerage account can make transactions with all instruments of the Moscow Exchange, as well as NYSE exchanges and NASDAQ. At the same time, the minimum entry threshold will be 30 thousand rubles. Unlike trading on separate accounts for each market, there is no need to convert between rubles and dollars, and the amount of collateral for transactions is significantly reduced: US market securities, derivatives and currency market instruments can act as collateral for the Russian stock market.

"Single account" tariffs

Only for the owners of the "Single account" there is a special offer - credit card"Broker+" with a rate of 12.75% per annum.

FreeTrade service

When trading on the Moscow Exchange from mobile devices through the FinamTrade terminal, you can not pay a commission on transactions at all. Only depository services will remain paid (177 rubles/month). To do this, use the FreeTrade service. The account is opened exclusively online. The minimum account replenishment amount is 30 thousand rubles. If you deposit it through the cash desk of FINAM Bank, the transfer fee is not charged, and when replenishing through another bank, according to the tariffs applicable in it. You can also deposit money using payment card, in this case, 1% of the amount will be charged for the transfer. In addition to the instruments of the Moscow Exchange, instruments of the NYSE and NASDAQ exchanges are available in the service, but not for free, but at the usual current rates. The main disadvantages of FreeTrade:

• Only new FINAM clients can connect it;
• FreeTrade cannot be used to trade with IIS.

Service Comon (Comon.ru) from Finam

An interesting service is implemented as part of the Comon.ru service - a system for automatically repeating transactions. You can get acquainted with the lists of the most successful traders in the stock and derivatives markets, with brief descriptions of the methods they use. trading strategies, with profitability statistics, as well as subscribe to trading signals and automatic repetition of transactions. In the "Online Trades" news column, real-time messages appear about which trades are opened by signal traders. Popular strategies are actively discussed by subscribers. Due to this, Comon, like Whotrades, is positioned as social network traders. As with any service key role the choice of strategy plays, the dynamics of the Comon index confirms this.

Trust management services Finam

Finam Management Management Company offers trust management services. There are two packages: Lite and Premium. They differ in the minimum investment amount. Within both packages, you can choose one of the strategies. Of course, the details of the strategies are not disclosed, but such parameters as profitability, degree of risk, remuneration of the manager, as well as minimum amount. In addition, a separate list offers author's strategies from experienced managers. All strategies can be grouped according to the degree of risk: conservative, moderate and aggressive. This distribution helps to navigate among the variety of conditions offered. Another tool to increase the visibility of information is the color highlighting of tools. For example, blue chips are highlighted in blue, while derivatives are highlighted in red. This allows you to immediately see which instruments the strategy works with.

As part of the Light package, the minimum investment amount varies between 300 and 700 thousand rubles, and depends on the strategy. The Premium package is designed for more serious investors and is available starting from amounts of 1 million rubles. The remuneration of the manager is also different and varies in the range of 10-20% of annual income. As for the instruments in which funds are invested, their selection is very diverse. These are shares of Russian and, commodity and stock indices, futures and currencies. Recently, there has been a tendency to increase the share of foreign assets, which behave more technically and predictably than Russian ones. A very popular instrument is the dollar-ruble pair due to its volatility and good technicality. The Trade Center section allows you to study in detail the profitability of each strategy. In terms of site navigation, this section is organized as part of the previously described Comon. You can see what tools different strategies work with trust management.

Accordingly, if an investor prefers independent work rather than trust management, he can use any strategy using the trade copying service. This is how the universal concept of Finam works: the unified in the particular and the simple in the complex. Any portfolio of information and financial services can be designed according to the same modular principle, as from "cubes".

Investment package "Investa"

For investors who are not ready or do not have time to manage their assets on their own, Finam JSC and Insurance Company LLC "AlfaStrakhovanie-Life" offers a package of services "Investa All Inclusive". This is a comprehensive solution that includes a set of investment strategies "multi-exploration" and endowment insurance life. The specific details of the strategies are selected based on the client's risk profile. Insurance part The package guarantees 100% safety of the invested amount, as well as a social tax deduction. This return of personal income tax from transactions in the amount of insurance premiums paid for the same calendar year. The insurance program is valid for 5 years. Contributions can vary from 25 to 900 thousand rubles. in year. The Investa package can be connected to manage capital on IIS, which allows you to increase the return on investment. The set of "multi-exploration" strategies has 3 levels of risk:

• Conservative investor;
• Optimal balance;
• Great opportunities.

According to the broker, the yield on IIA for 2018, even at a conservative level, was 18%, and at a risky level - almost 48%. To connect the package, the client simultaneously concludes contracts with both companies participating in it.

IIS in Finam

An individual investment account allows you to receive annual income according to one of 4 management strategies. The risk-free passive strategy assumes an income of 5.25% per annum (half the refinancing rate of the Central Bank of the Russian Federation, which currently stands at 11%), and an aggressive one - 50% per annum with increased risk. The maximum investment amount and maximum amount annual replenishment are equal to 400 thousand rubles. Subject to an annual replenishment of 400 tr. passive strategy yield: 11.75% for the second year, 9.58% for the third year. The investment period is from 3 to 25 years. Given that the investor receives a 13% personal income tax deduction, the real income, even with a passive strategy, is 18.25% per annum for the first year. For the convenience of calculating income under various investment conditions, there is a calculator. You can open an IIS without visiting the office, simply by filling out the registration form and sending documents (registration through the State Services portal is also possible). Registration form here.

Finam banking services

Funds for trading in the structures of the Finam holding are credited to a brokerage account in the Finam bank. When opening a brokerage account, a credit card of the "Investment" tariff plan is issued. Its owner has the opportunity to receive a loan of up to 6 million rubles. These funds can be used to increase leverage when making transactions. The rate is 20% per annum. At the same time, the bank offers standard services on term deposits. Currently, deposits "Maximum+" and "Best" are available. Interest rate depends on the term of the deposit. For the "Maximum+" deposit, it is up to 9% per annum in rubles, and for the "Best" deposit up to 9.75% and up to 2% in US dollars.

You can also issue an ordinary payment card with the tariff plan "Standard". For legal entities the bank produces settlement and cash services. Services are also offered for savings deposits up to 7.5% per annum in rubles. Of the interesting programs, we can note the currently ongoing action "Finam 20 Years". As part of this promotion, those who wish can apply for a card with the Cash back function (the function allows you to return 1% of the cost of purchased goods and services).

Hello colleagues! We continue the series of reviews of brokers, this Friday I want to pay attention to such a well-known company as Finam. Many consider it as an ideal option for stock trading, by the way, it is quite justified. But I prefer to evaluate everything on my own, so we will act according to the standard scheme - first, we will evaluate all the information available, then we will study the reviews when studying the Finam broker, and then we will summarize.

General information about company

This broker, without exaggeration, can be called old-timer, he literally stood at the origins, starting to work in the mid-90s. At that time, the situation in our country was more like the Wild West - a complete lack of regulation, deceit at every step. But to Finam's credit, I note that from the very beginning, attention was paid to the comfort of customers, and for all the years of work, the broker has not been involved in any major scandal.

Holding history

The official date of birth of the holding can be considered 1994, it was then that the company "Finance-Analyst" was created. At that time, there were very few sources for obtaining information, so the "Investor's Portfolio", which was published by the company, was almost the only "window" to the world of finance. The company's clients often performed based on the "Investor's Portfolio".

Things were going well, over time, the company finally got used to the role of a broker, received the appropriate licenses in the late 90s. And at the beginning of the 2000s, the current name of the holding already appeared - Finam, it was received as an addition to the word "Finance" of the letter M, which stands for Moscow.

Compound

On the this moment The holding includes several companies:

• JSC "Finam"- this is exactly the broker operating in Russia
• Bank "Finam". This is the most ordinary bank, the list of services is like that of a typical bank
• investment company "Finam"
• « Finam management» deals with issues of trust management. The reputation is excellent, the company manages not only the funds of ordinary people, but even pension funds
• « Finam.ru"(finam.ru official website) - an ordinary information and analytical company
• training center "Finam". The company conducts training not only in full-time, but also remotely.
• investment fund FINAM GLOBAL. The scope of this company is the purchase and development of assets. This is not an ordinary investment company: in addition to buying assets, it also manages a promising business together with its owners

So brokerage is far from the only area of ​​activity of the holding. Finam is engaged in literally everything related to finance, from the provision of brokerage services to the management of client funds, the development of promising business areas, and so on.

Holding licenses

The activities of the companies are carried out on the basis of a number of licenses issued in different years:

I note that it was Finam who became the pioneer and was the first to obtain a license from the Central Bank of the Russian Federation. Let me also remind you that since the beginning of 2016, a law came into force in the Russian Federation obliging brokers to obtain a license from the regulator, only under this condition they could continue their activities in the country.

What products can the broker offer?

Finam has a very wide list of available tools, it is not limited to currency pairs. If you wish, you can trade, for example, on stock market, commodities, futures, CFDs.

Forex market

Finam received a license from the Central Bank of Russia, which explains some oddities in trading conditions when working on the forex market. Briefly go over the trading conditions:

On finam.ru on the main page there is a separate tab " Forex”, so you can make sure that the trading conditions are exactly the same.

According to the provisions of the new law, the leverage cannot exceed 1:50, which explains the broker's low leverage. Another feature of the broker is 100% kitchen, you can not even doubt. And thank you for that new law: it clearly indicates that the broker does not have the right to withdraw them to an external counterparty, so that no one will withdraw your transactions to the interbank market, they will spin within the company. But it shouldn't scare you.. Finam allows you to trade on Forex and not be afraid for your money. Most traders successfully handle drains on their own, so Finam can be trusted reputation for the company is more expensive.

Any dispute with the company is resolved first with the broker, and if a compromise could not be reached, the trader has the right to go to court. The agreement also provides for the possibility of doing without a trial, in which case the final arbiter will be a certain self-regulatory organization that fully complies with the requirements of the Central Bank. You can contact CRFIN.

Eurobond trading

The broker makes it possible to invest in Eurobonds. From the point of view of risks, I consider this method of investment as an intermediate option between Forex (high risk) and a simple deposit in a bank (virtually zero risk, but the potential profit is also small).

Finam is a broker that makes it possible to invest in Eurobonds, which makes it possible increase profitability several times compared to a bank deposit. Profitability can be up to 20% in foreign currency, up to 30; in rubles with a minimum commission of 0.118% of the transaction value. In reality, the minimum fee is difficult to find, but it is not much higher and, as a rule, is in the order of 0.15% and higher.

When you buy bonds, you are, as it were, lending money to the company that issued them for a certain period of time. The role of such borrowers can be not only individual companies, but also governments. different countries, local authorities. Even before buying, you can familiarize yourself with what coupon income offered. It is he who is charged every day after the purchase of Eurobonds.

The screenshot shows an example of a bond yield compared to a bank deposit. The return is real and calculated as of November 2015. At the moment, the ratio as a whole has not changed, and using more leverage, the yield can be made even higher.

The company also has an original proposal - to open a deposit on Eurobonds. The meaning of such a deposit is to simultaneously purchase a Eurobond (in US dollars), as well as a futures contract for the ruble / dollar.

Work with shares

When dealing with shares Russian companies the client of the company receives access to:

• Moscow stock exchange, one of the most popular options, it features over a hundred issuers and trades over 200 instruments. It is the share of the MICEX that accounts for more than half of the turnover on Russian shares
• is in second place RTS– it already has a smaller share, only 20% of the turnover Russian shares. But there are more issuers, already over 200, and more than 350 instruments are traded
• SGK trading system- let her turnover be small, about 5%. A distinctive feature of this site is that the work is carried out only with "blue chips"
• stock section PTC-FORTS

Of course, the business is not limited to shares of Russian companies alone; it is quite possible to trade, for example, American shares. All stock quotes can be viewed directly on the official website on the main page, or through one of the trading terminals. By the way, here is information on financial markets. Moreover, it is really useful and can help in trading.

Trading conditions

Trading conditions are good, commissions are small. For a single account they are:

The specified commissions are fair for all clients of the broker, but if you show a large turnover, then Finam can meet you halfway and reduce commissions even more. There is no criterion for "turnover value", so everything is considered on an individual basis..

Calculating bond yields and buying shares

If you go to the " Bonds» on the main page of the site, you can use the calculator to calculate the yield on any bond:

• choose an issuer
• release
• settlement date
• price for which these bonds can be purchased. The price will be slightly higher than the nominal
• minimum deposit is $10000
• you can also set multiplier up to 6

Mutual funds and trust management

The advantage of a mutual fund is that the entry threshold for each individual participant is reduced. That is, several people pool their money, and work is already being done with more or less large capital. The profit is then distributed depending on the contribution of each of the participants.

Mutual investment funds are managed experienced managers. There are 2 types of trust management:

• for capital 0.5 - 1 million rubles
• for capital from 1 million rubles

There are several strategies to choose from, which differ in the level of risk, selected tools for work. Just choose the one you need, and an experienced trader will manage your money for you. So you personally do not need to perform, for example, just wait for the result. Of course, no one guarantees profit, but, given the experience of the manager, the probability of making a profit is extremely high.

And as a small example, I will give the dynamics of changes in the balance of an open-end mutual investment fund “ First».

As you can see, the dynamics are not bad, the profit far exceeds not only the fixed percentage of bank deposit, but also income, for example, on Eurobonds. Due to the fact that the work is carried out with a portfolio of instruments, the risks are minimized.

Individual investment fund

I decided to consider this point separately because of extremely favorable conditions investment. If you are not attracted due to low profitability, then I advise you to take a closer look at IIS, the conditions are not bad, the profit is higher than in a bank, so this is a good investment opportunity.

And now, in short terms:

• investments are justified for a period of 3 years or more (due to tax deductions)
• you can replenish your account in the amount of no more than 400 thousand rubles a year
• the key thing that attracts in IIS - opportunity to take advantage tax deduction , that is, you will not need to pay 13% tax. Combined with maximum conservative strategy work (which gives an average of 5% of income per year), you receive a total of at least 18% per annum.

Note - you can withdraw money before the expiration of the 3-year period, but in this case you will not be able to take advantage of the tax deduction, so the main advantage of IIS from the Finam broker is lost.

The example shows the most aggressive version of the strategy, which gives up to 50% per annum. In this case, in 3 years you can earn more than 1.65 million rubles with a total investment of 1.2 million over 3 years. A significant part of the profit is received from tax deductions.

Structural product

The structured product offers investments in a pre-composed portfolio of different instruments. At the same time, you can start work starting from 100 thousand rubles. There are several options for structural products:

• with 100% safety of the deposit, while the interest rate is still higher than for a bank deposit
• fixed income– even before the investment, you will know exactly how much you will receive
• after all, there is VIP offer– in this case, the structural product will be compiled according to your wishes

Finam offers several interesting services. They can really help in trading.

WhoTrades - social network for investors

But what can traders talk about if not about quotes and the expected price movement? So it turns out that this service can be considered as source of free and high-quality analytical information. If you wish, you can write some post yourself and even accompany it with a screenshot with chart markup.

When you go to WhoTrades, you get to the website of the same name. If you click on it, for example, " Services”, then you will be taken to the Just2Trade website. There is nothing surprising in this, the fact is that Finam at one time simply bought Just2Trade, so this company is now its division.

Common Service

This name hides a service that implements autofollow for successful strategies. Almost every broker has analogues.

When working, you get the opportunity to trade on the machine stocks of the Russian Federation, the United States, futures, currencies. At the same time, you can choose on the main page what exactly you are interested in: automatic trading or only signals. If you choose the latter option, you will decide on the conclusion of the transaction yourself.

Otherwise, everything is standard - there are filters for maximum drawdown, profitability, account type, you can also set the minimum entry value. There are strategies where the input is in the millions.

For each strategy, you can see the performance and other statistical characteristics. You can also participate in the discussion, pre-calculate the expected income and subscribe to it.

Trading terminals

A trader can work through the following terminals:

• Transaq
• QScalp– is remarkable in that it allows you to literally perform complex trading operations in one click
• FinamTrade– own trading platform, allows you to trade on almost all popular global platforms. The functionality includes, in addition to standard features (displays news, etc.), advanced features for chart analysis. There is a version for mobile devices
• QUIK- perhaps the most popular program for working on the stock market, there is also a web version
• MMA Mobile/Web– the version of the terminal, respectively, for mobile devices and trading through a browser
• TradeMatic Trader– useful if you need to automate trading
• Volfix– is positioned as an innovative exchange service

Account types

The company offers to open the following types of accounts:

• IIS- its advantages have already been discussed above
• Forex- the broker emphasizes that he received a license from the Central Bank of the Russian Federation
• single account- in this case, it will be possible to work on urgent, stock Russian, foreign exchange market, as well as the securities market foreign countries. The commission is $0.003 per share when working on the US market, or 0.0177% of the total turnover if you work on the Russian stock market. Commissions do not depend on turnover
• you can, but I can’t call it a key advantage. All brokers allow you to practice on virtual money

Registration, deposit / withdrawal of funds

You can open a brokerage account both remotely and during a personal visit to a brokerage office in Moscow or in your city. At the same time, if you are over 14 years old and you are a citizen of the Russian Federation, then for this you will need only passport. More information about the list of documents can be found on the company's website.

For foreign citizens the list of documents is somewhat wider:

When registering remotely, you can not even fill in all the fields of the registration form yourself, but use the function of their fillings from social networks. Of course, provided that you have entered the correct data in your account, otherwise there may be problems with payments later.
You can enter your personal account from the main page of the site .

Input and output methods

As for I / O, then in this matter everything is not as convenient as we would like. There are only two ways to fund your account:

• personally by contacting the Finam cashier
• Bank transaction. In this case, they will not be credited to your account instantly, but only upon crediting to the company's account.

Withdrawal of funds is possible only by submitting a withdrawal order. The process is also not instantaneous.

Conclusion + personal opinion

In general, Finam is fully consistent with its status, and we are talking not only about trading conditions. For example, the company was the first in the Russian Federation to receive a license from the Central Bank of the Russian Federation, which once again confirms the seriousness of its intentions.

2015-10-15 AlphaInvestor

49 comments

good day! Maybe there are some other nuances on this broker? I'm thinking of opening an MMA account, looking for pitfalls! Thanks in advance for any sane information!

• Good day, Novel! Everything that is written in this review, for the most part, concerns the Russian broker Finam, and you plan to open an MMA account - this is done through subsidiary— WhoTrades registered offshore.
  I mentioned this company here only in passing, although, in a good way, a whole review could be written on it, but my hands have not yet reached.
  An obvious plus - MMA is a single account, very convenient.
  An unobvious plus (perhaps this is a minus, depending on how you look) is that profit taxes are the client’s concern, the company does not withhold anything (unlike the Russian broker Finam). I recommend reading about paying taxes on profits from offshore brokers.
  The obvious minus is the increased non-trading. WhoTrades may well be the so-called "kitchen", which benefits from clients losing money. In this case, they will put sticks in the wheels. A with Russian broker such a scenario is excluded - the company is interested in trading volumes, and therefore in the successful trading of its clients.

  • Thanks for the detailed information. And what kind of “spike in the wheel” can there be when trading, even more likely investing for 3-10 years in Foreign securities? I bought MBS through ITinvest and, due to the rolling of positions on MBS, I barely went into a small plus. The WhoTrades support assures that they have no transfer of positions and trading is carried out in a delivery mode with dividends credited and EVEN without depository fees. Do you have any information about this?

    • I don't own. I stumbled across the network on customer complaints about the transfer of positions. But if the caliper assures... If everything is as they say, then somehow everything turns out suspiciously chocolatey.
      In any case, it is not worth it to immediately deposit a lot of money into the account, and if you try, then start with the minimum amount. If everything turns out to be so chocolatey in practice, the amount can be increased.
      If you still decide to work with this company, then do not forget to unsubscribe here in order to help the same doubters. I think a lot of people will be interested.

      • Yes, I already read this article, thanks! You applied interesting screener settings, it was interesting to apply, maybe you have already added something new?
        According to whotrades, I have already drawn up a contract, I will drop a thousand tomorrow and we'll see. I am not interested in entering the domestic market, I practically do not live here and do not want to invest money here, forgive my such attitude.
        Here are a couple of interesting quotes from communication with the support:
        “You pay a commission for transferring a position on shares if the value of your position exceeds your deposit or a short position is open, if you have bought shares only with your own money, then you do not pay a commission for borrowed funds.”
        “WhoTrades LTD accounts are insured for 20,000 EUR, Juat2Trade accounts are insured for 500,000 USD.”
        “Within the framework of the MMA Unified Trading Account, you are the full owner of the shares you purchased, as evidenced by the Brokerage Report. Dividends for MMA are credited automatically.
        “Delivery is carried out to the client's account in WhoTrades. In more detail, the papers will be on the accounts, saying in Russian terms, nominal holding of WhoTrades with Western brokers, such as Interactivebroker, Saxo-Bank, WhoTrades Inc., depending on the exchange, and on the Russian market in the depository of CJSC Finam
        In this case, the User will have to pay taxes himself at the rates applicable in accordance with the Russian tax legislation. There is no depository commission. "

        Thank you Roman! I am sure this information will be useful to many.

Why look for pitfalls? Probably, we have such a mentality, although after all sorts of MMMs, of course, yes, it’s hard to believe in good things. I have been working with Finam for a long time and I can say that there are technical problems from the pitfalls (however, like all brokers), sometimes they can delay the withdrawal (again, like everyone else). But in general, I have never seen something so serious or global.

Finam's site is really not so hot in terms of usability and visual perception, but let's not be too critical. Won in binary options through one on all sites everything is written in great detail, so what? Still the scammers. If there are any problems with understanding, knock in support of the Finns and finish them off, they will definitely answer!

Please tell me once again in a nutshell why Finam was chosen to open IIS, and not say Opening? Are you considering investments in bonds, in foreign currency bonds (the market exchange rate and interest will eventually be higher than in the same Savings Bank)? In finance, interest is charged on IIA funds that are not invested anywhere?

• To open a demo account, you had to first leave an application, then wait until it was confirmed. In Finam, the process of opening a demo seemed simpler to me. Accordingly, I began to get acquainted with Finam and everything suited me (although at first there were a lot of questions, but gradually figured out everything, not without the help of technical support). Well, an additional 8% per annum (at that time it was exactly 8%) on the balance of the account finally tipped the scales towards Finam.
  Here, by the way - IIS opening statistics(added a link to the article too).
  There will be an article about bonds soon. I think that in the future I will add bonds to my portfolio. Maybe next year.
  In Finam, interest is charged on free funds, absolutely true. That is, you can get a 13% deduction and 5.5% from a broker, simply by putting money on IIS, and not investing it anywhere.

The author, an interesting technical point. Is adding an agent code to all financial pages justified? (?agent=)
As the consultant personally explained to me, the reflink only works on the registration page ... correct me if I'm wrong.

• In correspondence with the consultant, I repeatedly asked this question, but he was methodically ignored. Just in case, I added, especially since their agent system is under active modernization, if I understand correctly. Maybe it will work in the future if it doesn't work now.

Please tell me how much all commissions and payments to the broker cost you in general. How often do you make purchases / sales, does the commission depend on this personally for you? Do you trade with Quik? Does the broker provide this platform for free? Thanks in advance for your replies!

• Not so expensive. At the Consulting rate, I pay 0.1062% per trade. That is, when buying shares for 15,000 rubles, I pay 0.1062% of this amount - 15.93 rubles. The same percentage will have to be paid upon sale. Account maintenance fee - 177 rubles per month. I make trades every 3 months. Now I have shares of about 80,000 rubles. With such a volume, I spend about 100-160 rubles on a commission for transactions every 3 months. In total, I pay the broker for 3 months 177 * 3 + 130 = 661 rubles. That is, on average, a little more than 200 rubles a month.
  I trade through Transaq - I got used to this platform when I tried a demo account. The platform is provided free of charge.
  There are some more nuances, such as the fact that if there is less than 2,000 rubles in cash on the account, then not 177, but 400 rubles per month are charged from the account. Perhaps there are some other commissions that I don’t know about yet, but so far everything is more than satisfactory. I take into account all commissions when calculating profitability in . Thus, the return displayed in the reports is the net return (albeit excluding taxes).

whotrades is their daughter, she's the whole impression. They throw. you connect to the strategy and then at their discretion, they want to deprive you of the entire deposit within a minute, they want to wait until you earn money, then they will deprive you of the entire deposit in a minute. I entered! And everything is not so beautiful! They would throw it so beautifully with feeling, but it’s just punks.

To all who have rainbow illusions. Strategy is a game of thimbles in a modern way. An inexperienced player is offered to guess in which glass the “Trend” or “Side” ball is in, and the “thimble” changes the names of the glasses at his discretion. (Depending on what time period to consider and what amplitude of fluctuations) Even there are convokers - these are your personal managers, employees of the trade center. They will always tell you when it is “better” to enter the strategy, but they will never tell you when to exit it. The “thimbleman” himself generates buy and sell signals, and no one guarantees that his team does not have the same strategy, only with the opposite signals. He can only sometimes play along with this "anti-strategy" in order to replenish his accounts. Strategy for a wide range, and anti-strategy for a limited one, what profits can be collected! You will be shown growing charts of the strategy, but you might as well look at the portfolio of a successful professional trader or the charts of profitable companies - these are other people's charts. No one will show you how many participants in the strategy won during the growth and how many lost during the fall. Consider one more thing - the shares of large companies will not fall to zero, and the strategy can easily reset to zero. Then there will be a new strategy and there will be new unfortunates. You will never be able to control the strategy algorithm, you will always find a bunch of abstruse justifications why you are in the ass. I recall the situation from the movie “The Trust That Burst” - “We take the word of gentlemen” - Then the card flooded me! 😉

• • It's easy to lead you astray. Of course, he wrote a lot of things correctly, but it would not hurt you to learn critical thinking.

    And it turns out that you were told that the strategies work and you are ready to bear the money. Then they read the comment on the Internet and believed him already. And the truth is somewhere in the middle. You just need to be able to separate the grains from the chaff and flies from cutlets.

    There are working strategies, there are scams, there are semi-scams.

    And Mark is just a pessimist 🙂 He described the situation in general. And I would recommend considering each strategy in particular. What would you like to invest in? And it may be early "Thank you" to speak, but it is better to see how she will behave in the future? And it turns out that maybe you are now depriving yourself of profit and still thank you for the guidance?

    Don't think, I'm not encouraging you to invest in komon or anywhere else. I'm trying to convey to you that investment, in principle, is a profitable occupation. I encourage you to think for yourself.

    And if you change your mind because of the first comment, then you really should not meddle in investments.

    • No, I'm not easily led astray, and I'm into investments. Tiring enticement and hidden payments in the future. I nevertheless took the money to Finam, connected to auto-following. On the Internet, 3-5 percent of the commission was written, when I connected, 9 percent of the commission from the NAV was displayed. There is false information on the internet.

      • How is it not "Synergies"? There is she. "Synergy Optimum" is a different strategy. Yeah, it's easy to scold now "Synergy", since the drawdown from the maximum value is about 50% . But if you look at the results for the year, then -13% . And for all my more than 10 years history the yield is still around 150 000% . And I think the highs will still be updated - it just takes time.

        With regards to shabby comments, I can not say anything. I'm not a company representative, and I'm too lazy to investigate. But, perhaps, you are mistaken, as well as about the lack of a strategy now "Synergy".

        I'm not mistaken, I said so - "Synergy" is no more - but there is "Synergy Optimum". Why such a somersault? … It is on such drawdowns that people ride, and after a 50% decline, it is necessary to beat back 100% already !! Incidentally, the trade center then actively offered to enter the strategy. I received a letter from them in the mail, - "they say now is the time." And it’s great that I didn’t get carried away then, since then I’ve been watching. At the expense of 150,000%, is it not funny yourself? Be there at least 9 zeros, it's someone else's money. As soon as auto-investigators push, they are rolled. As the majority flew off, the strategy rises. Money doesn't come out of thin air. 13% per year you say? And minus 6% payment, and minus slippage - up to 10% happens, judging by the reviews. And also the minimum amount, below which compliance is not guaranteed, and this, by the way, is 400,000 rubles, for Synergy, below which the majority of auto investigators turned out to be. So carry your money more to recoup. - Doesn't this situation remind you of anything? 😉

        I repeat once again - "Synergy" and "Synergy Optimum"- it 2 different strategies. And they both operate to this day. I don't know why you got the idea that Synergy is no more. Apparently, they did not understand the search settings.

        As for drawdowns - yes, this happens. If you want to receive a big income, be prepared for big ones. But, as for me, specifically in this strategy, the profitability is incomparably higher than the risks.

        And what does it mean "roll"? Do not confuse stock brokers With forex kitchens. Unlike kitchens, stock brokers benefit when their clients make money.

        I am now crying with emotion. You also say that they care about the income of the population. And brokers benefit from the number of transactions, they do not care about other people's income, they earn the same from a loss-making transaction or from a profitable one. And I am outraged - Why .. does the trade center send out advice by mail - “now is the time to enter the strategy”? It was in April, and these are employees of the trade center. After that, Synergy sank by another 40% And why don't they send out when to get out of it? The thimblers of the 90s also said something like this - “if you want to get a big income, be prepared for big risks” 🙂 I found Synergy, for sure, it was hidden. I just don’t understand where Synergy Optimum came from, without any history of reviews. And here is the last comment from Synergy - “Those who are of sound mind and clear memory - my personal advice is to run away from this slag called Synergy. The fact that they have a drawdown of 50% does not guarantee that they will get out of it” =53#com1309

        And in general, I don’t understand why a strategy is needed if inexperienced traders are left to guess when to enter the strategy and when to exit it? To do this, you need another strategy for entering and exiting the strategy))) funny, by God!

        That's right, brokers benefit from the number of transactions. Rather, they benefit from volume. But if the client loses money, they will lose the potential commission that they could receive from him in the future. If the client earns and increases his capital, the broker receives more and more commissions. So there is no need to cry from tenderness.

        The fact that the trade center sends out advice is their job. I see no reason to be angry. The task of the client is to learn how to filter information and advice at his own discretion. There are a lot of analysts in the world, and the accuracy of their forecasts is often equal to the accuracy of forecasts for the system "finger to the sky". Why blame someone else for your losses? If you want to succeed, learn to take responsibility for making decisions on yourself, and not blame "uncle from the trade center" for the fact that he, such a scoundrel, recommended entering into a strategy before an impending loss.

        Greater returns always involve greater risk, what's with the thimbles?! Or do you know instruments with low risk and high return? Share, please! 🙂

        “The fact that they have a drawdown of 50% does not guarantee that they will get out of it” - well, this is straight from the golden collection of quotes Captain Obvious 😀
        In the investment world, in general, guarantees of big profits are a sign of scammers. If you need guarantees, put your money on bank deposit. Although there are no guarantees that you will not lose your money. But the risks are still minimal. Or invest in .

        “why do we need a strategy if inexperienced traders are left to guess when to enter the strategy and when to exit it?”- you can enter a normal long-term working strategy at any time if you are ready for drawdowns. And you will be in the black on a scale of several years. And I don’t understand at all why you think that someone is obliged to tell you when to enter and when to exit the strategy??? Learn to make your own decisions! 😉

        You are right in many ways when you say that often everyone around is trying to get each other.. To deceive, in general. But this is not always the case. This is reminiscent of a woman who has come across the wrong men a couple of times, and now she is sure that “All men are goats!”. Or a man who came across not very good women, and he is now sure that “All women ... (corrupt, change, etc.)!”.

        And at the expense of the employees of the trade center. You have to be held accountable for your words or advice. Or better to be silent. Don't deliberately mislead people. Otherwise, the employees of the trade center look like the last convokers of the thimble-makers.

        Why is it intentional?

        Because they only care about stuffing their pockets. More clients - more profits, that's all the arithmetic.

    • To none. I don't trust speculators

      AlphaInvestor, are you related to alphabank? I put 50t.r. for testing. on a mutual investment fund two years ago, in 2015, in "trading" - the consultant then advised them. So these not good people managed to withdraw into the minus, this is with a significant increase Russian market after the failure in 2014. Conclusion. Do not trust your money to people who do not guarantee anything! You need to rely only on your own strength.

      No, I have nothing to do with Alfa Bank 🙂
      I agree, it is better to manage your assets yourself. But for many, this is a dark forest, so they give money to trust management.

    Strategies are not investments, they are pure speculation. And the speculator has one task - to get a profit, speculators will not think about you or for you. If you want to invest, bet on companies that you think are profitable. Take large, liquid companies. Now the economy is on the rise. At long term investment get a good profit. The main thing is not to panic, if you entered unsuccessfully and the trend went down, someday it will go up, then close with a profit, with which one you decide for yourself. Only a matter of time. This is investment.

    • Thanks Mark! I do!

  Everyone who has problems, any complexity with scammers and black brokers!!! I carry out a chain of certain actions, on a professional level, as a result of which, each deceived investor receives All his cash, in full Nested personally by you. Within 3-5 working days, you will return your investment. I guarantee the high quality of the work I do personally, I take full responsibility, plus, the funds go out to you personally, in full, and most importantly, in the shortest possible time. The withdrawal is carried out absolutely from any platform and monetary system. The most important thing is that the complexity of your problem is absolutely not important, whether it is a Merged account, a frozen account, as well as the account to which the bonus is linked, and even if they say that it needs to be traded, at least in any amount.
  Now, it's your time to dictate the rules of trading to scammers.

  I will advise everyone personally, with great pleasure and understanding of your experiences!

  Skype^ kurdik1992

Here's a pitfall for you. I created an IIS, credited the maximum 400 tr (in the spring I wanted to return 52 tr of income from the tax). Connected auto-follow to FORTS. For 2 months I lost 40 thousand rubles, despite the fact that the curve of FORTS itself has grown quite well over the same time. I contacted support with the question “why” - they smeared it with the term “slippage”. Read what it is, in the internet is. It turns out that, hiding behind slippage, they can write off any money from me in any situation on the market? Although according to statistics, if the strategy I subscribed to grows, the average figures should be at least non-decreasing even with slippage, and here it’s a solid minus. Very convenient for finance, very inconvenient for me.
The impression is that the auto-follow delay is calculated by a “specially trained” trading robot that knows how far I need to slip in order to steal my money.
During the initial courtship, none of the Finns, of course, talked about slippage - it's like small print in bank agreements.

People! And then someone wrote about the quality of the Finamovsky site? The site sucks in my opinion! an echo from the early 2000s. Have they seen modern sites at all? On their website, you’ll find everything, everything is written in such small print. In general, when stock brokers you start to deal and you are new to this, it gives off some kind of sovdepiy, it seems that from birth and by default you are obliged to know all their fucking abbreviations, such as DS and so on. I thought for a long time what DS is, until I googled it and realized that it was money. And all sorts of NKD, VSP, etc. Why are you working as cryptographers on your stock market? Why so many abbreviations? And they also want to be customer-centric. These abbreviations a priori repel people and such miserable sites like Finam's too.

Hi Igor!
Began to deal with finances. Created a MMA demo account, installed the Transaq demo.
And here are the problems:
after buying shares in personal account they didn't reflect
— in the transaction during the trading period, not all shares showed information on the purchase price and change in value, i.e. it is impossible to track the dynamics
- in the transaction in the "MMA portfolio" window, in addition to my shares, there was also a bunch of shares that I did not purchase.
Hence the questions:
1) Have you encountered such problems? The support service said "these are jambs of the demo version, open a real account and everything will be fine." But I'm a distrustful person 🙂
2) How do you track the dynamics of the value of acquired shares? Transac or something else?
3) What can you say about MMA? Did you study this account? Now I'm deciding for myself whether it's worth contacting him. The catch is that the MMA account is opened with Finam's "foreign partner" (according to Finam himself), but in fact a Cypriot offshore organization, which, again, I do not trust.

• Hey! Finam knows how to confuse 🙂 As far as I know, it was not Finam himself who provided the MMA account before, but their Cypriot daughter WhoTrades, which is now Just2Trade. Now, perhaps, Finam himself provides MMA accounts. In general, first of all, specify in which company you opened a demo account. It's just that even when they call from Just2Trade, they introduce themselves as Finam employees and this is confusing. To my question "Why so?" I was told that the call center operators themselves are listed in Finam, but serve Just2Trade. Something like this. Okay, let's get to the point.

  1) No, I did not have such problems. It seems that the demo account was tested through Transac (although I don't remember exactly)
  2) Yes, I track the dynamics in Transac. Tables -> Portfolio Т+/MMA/EP . Before that, another account must be selected in the drop-down menu. Although, if you have a single one, it may be set by default
  3) Why open an account with a foreign partner, if you can open it in Russian Finam? Well, if you want to work with foreign shares, then go to a Cypriot office. I recommend reading mine. In general, I also trust Cypriot offices less than ours. But still, I trust people like Just2Trade - under the wing of a large company, which means they will take care of their reputation.

For 4 months -35% of the capital, the manager seems to manage assets, there were 2 million left 1.3 million, Synergy strategy. What a mess!

• The return on investment should be evaluated at least in a year and a half. And you seem to be constantly looking. It is better not to bother now, in time everything will be seen. And if you don't rush, you'll get out sooner or later.

  • Investment? What are you talking about? Synergy is a strategy written according to rules unknown to anyone. Countless of these strategies have already failed, this is pure speculation. And speculators think only about their own benefit, and without unfortunate auto-investigators they will not have a profit! 😉