In the last twenty years, investment fundsRussia is changing and expanding. Each of them has its own scheme of work and the level of risk. The largest income is offered by those funds where the degree of risk is quite high.
A unit investment fund is an associationseveral investors, whose funds the professional manager "invests" in securities to receive income from invested capital. All property of the fund belongs to the shareholders, and the management company only manages in the interests of investors.
Legislation prohibits unit investmentfunds in Russia advertise the expected income, they can provide potential investors with only their previous yield. Based on these data, citizens decide whether to become shareholders or not.
An investment share is a registered security, it certifies the owner's right to a part of the fund's property. It can be transferred to another person (as a gift, inherited, etc.) or sold.
The share of the shareholder in the mutual fund directly depends on the funds contributed. The share contribution is different for each mutual fund. It can have a value of several thousand rubles, the upper limit is not outlined.
You can withdraw funds invested in the fund by selling a share. As an option - to other shareholders, but usually the management company is engaged in its implementation.
The following are the advantages of investment funds in Russia:
It is necessary to mention the disadvantages of this type of investment:
Investment funds in Russia are diverse. For convenience, we will present the differences of the various types of funds in the form of a table.
Criterion | Types of funds | Description |
By degree of openness | Closed | The units are issued and redeemed during the formation of the unit investment fund. You can redeem the shares after the end of the unit's life. Such funds are most often formed for a specific project. |
Open | The units are issued and redeemed each working day. Assets of the open mutual fund are securities with high liquidity, having stock quotes. | |
Interval | At specific dates, which are specified in the mutual fund rules (twice or thrice a year for 2 weeks). Assets of the fund are usually securities with low liquidity. | |
In the direction of investment | Money market funds | The funds are invested in promissory notes, deposit certificates and other short-term deposits. |
Bond funds | Investments in bonds bring a monthly income. The most reliable of the bond funds are government bonds, since securities are issued by the state. | |
Equity funds | Joint-stock investment funds in RussiaThey are very popular due to high profitability, however, the value of assets of such mutual funds varies greatly depending on the situation on the securities market. | |
Mixed Investment Funds | The funds are invested in both stocks and bonds, due to which the shareholders receive both a fixed income from bonds, and a good profit with a high degree of risk (from shares). | |
Real Estate Funds | The receipt of profit is due to the rental of real estate or its resale. | |
Funds of funds | The funds are invested in other funds, thus ensuring high reliability of the invested funds. | |
Sector funds | Funds are invested in companies operating in the same industry. | |
Foreign equity funds | Money can be invested in companies located in different parts of the world. |
In addition to those presented in the table, there are other types of mutual funds:
Potential shareholders must have information about the reliability of Russian investment funds. The yield rating is as follows:
These are only the most popular investment funds and companies in Russia, which have the most widespread.
Mutual investment funds in Russia have their ownactivity since the mid-1990s. During this time, they managed to win the trust of citizens as a good way to invest free finance to obtain additional income. However, before making a final decision on investing in a particular fund, you need to carefully study the information about it.
