Ama-PIF e-Alfa-Bank: inzuzo, ukuhlaziywa kwe-dynamics, ukubuyekezwa

Izimali ze-Alfa-Bank ziye zanda kakhulu phakathi kwabantu baseRussia Federation. Isizathu esiyinhloko ukukhulisa inzuzo yeziphophozi.

Iyini isikhwama sokutshala izimali esihlangene?

Igama le-PIF yisifingqo se-unit unit yokutshala izimali, isakhiwo esiyinkampani esekelwe ekuphathweni kwetrust yenkampani ekhethekile. Inhloso yalesi sikhwama ukukhulisa inani lempahla esikhathini esizayo.

Isakhiwo sesikhwama sinamasheya wabasunguli. Ukudala izimali ezihlangene, zibophezelekile ukudlulisela amalungelo okulahla impahla yabo kwinkampani yokuphatha.

Inkampani ekhethekile

Okukhethekile kubhekwa njengenkampani ephethe isikhwama sokutshala izimali. Ukuphathwa kufanele kukwanelise izithakazelo zabathengi, kanye nokungahambi ngaphezu komthetho.

Isabelo se-depositor sinqunywa inani lezimali eziphathekayo. Isabelo ngokwalo ukuphepha okuqinisekisa ubunikazi bendawo. Futhi, isabelo sinquma isabelo somnikazi esikhwameni.

Izimali ezithintekayo ze-Alfa-Bank

Ekupheleni kwekhulu leminyaka elidlule, i-Alfa-Capital yaba yingxenye ye-Alfa-Bank. Kuze kube manje, inkampani inezingqinamba ezingamakhulu amane zokuqalisa, okuyinto enhle kakhulu eqenjini.

Manje amaklayenti anikezwa ngezimali eziningi ezihlangene. Zonke zingahlukaniswa ngezigaba ezintathu ezinkulu:

• Ama-Classics;
• Izimali zomkhakha;
• Izimali ezikhethekile.

Ubungozi, ingozi kanye nenzuzo yezimali ezihlangene ze-Alfa-Bank kanye nesakhiwo sokutshala izimali ezihlukanisa phakathi komunye nomunye. Izimali zakwa-classical mutual ziyizibopho kanye namasheya. Ukuthembeka kwephothifoliyo kunqunywa inani lezibopho kulo. Omunye kufanele akhumbule umthetho oyinhloko: ngenani elikhulu lamasheya esikhwameni sikhwama sokubambisana, inzuzo yezimali ze-Alfa-Bank izowa, kodwa ingozi yokulahlekelwa imali iyoba yincinjana kakhulu. Lo mthetho uphinde usebenze ngokuphambene nalokho: ukuphakama kwesabelo samasheya esakhiweni sesikhwama sokutshala izimali, kuphakamisa inzuzo yayo, ngakho-ke ingozi yephothifoliyo iyanda.

Mayelana nezimali ezihlangene zomkhakha, zisegatsha elithile lomnotho. Isibonelo, ukudayisa, izinsiza, ingqalasizinda nokunye. Ngakho-ke, uma umtshali-zimali efaka izimali zakhe kwezinye zezimali, imali engenayo iyotholwa kuphela uma umkhakha ohambelana nomnotho ukhula.

Izimpawu zezimali zomphakathi. Izikhwama ze-Classic Mutual

Kusuka egameni lezimali eziphathekayo umuntu angaqonda ukuthi izilaleli zabo ezibhekiswe kuzo yizimbali ezithintekayo ezingabhekene nemisebenzi engozi. Izikweletu ze-Classic Alfa-Bank Mutual zizobhenela kulabo abatshalizimali abafisa ukutshala izimali ezakhiweni zemali eziqondakalayo, okuyizinto ezibonakalayo zephothifoliyo yama-classic, okungukuthi, izibopho kanye namasheya.

Abaphathi bezikhwama zesikhwama bazama ukulinganisa iphothifoliyo, okwenza kube yingozi kakhulu. Lezi zimali ezilandelanayo ezilandelayo zihlukaniswa njengezikhwama zokuxhumana ezivamile:

1. Inkomba ye-MICEX.
2. Ibhalansi.
3. Ukwabelana ngamanzi.
4. Amabhondi kanye.
5. Imisebenzi yokukhula.
6. I-Eurobonds.
7. Kugcinwe.

Lolu hlobo lwemali yokutshala izimali luvame kakhulu. Zilapho cishe zonke izinkampani ezikhethekile. Ukuqapha ukuguquguquka kwezimali ezihlangene ze-Alfa-Bank noma enye inkampani yokuphatha kwenza kube lula ukuqonda ukuthi kufaneleka kanjani ukutshala imali esikhwameni esithile.

I-Alfa-Bank mutual fund "Ukulinganisa"

Kulesi sikhwama sokubambisana, izinsimbi ezisemqoka yizabelo kanye nezibopho zezinkampani ezinkulu eRussia. Lesi yisizathu esiyinhloko sokulingana kwesikhwama. Kakade phakathi neminyaka emithathu yokuqala, i-"Balance" ikhule ngokubaluleka cishe ngo-65%.

Phakathi nezinyanga eziyisithupha zokuqala zokubakhona kwalesi sikhwama sokubambisana, inani lalo lawela ngo-0.3%. Kodwa-ke, ekupheleni konyaka wokuqala inani lentengo ye-mutual "Balance" likhuphuke cishe ngo-21%. Kusukela ukwakhiwa kwalesi sikhwama, inani lalo liye landa ngo-60%.

I-Alfa-Bank Mutual Investment Fund "Izabelo Zokukhula"

Lesi sikhwama sinika umtshalili ithuba lokutshala imali yakhe ngamasheya ezinkampani ezincane kakhulu nezincane. Ngakho-ke, abatshalizimali bathenga amasheya amabhizinisi, ngenkathi benokukhula okuphezulu.

Ngaphezu kwalokho, i-PIF "Amasheya okukhula" inikeza ithuba lokutshala imali ezinkampanini ezivela emhlabeni jikelele. Ngenxa yalokhu kungenzeka, izinga eliphezulu lokuhlukahluka lifinyelelwa.

Ngenyanga yokuqala kusukela ekudaleni isikhwama, inani lalo likhuphuke ngo-0.72%. Ezinyangeni eziyisithupha kamuva, isikhwama sokwabelana sanezela esinye + 13% senani layo. Kusukela umzuzwana isikhwama sakhiwe, inani lalo liye landa ngamaphesenti angama-117, okuphindwe kabili njengokubaluleka kwesikhwama sokutshala izimali "Ukulinganisela".

"I-Alfa-Bank" isikhwama sokutshala izimali "

Izinyathelo ezinokwethenjelwa yizo zomculo ezikhokhwa yi-state. Isikhwama sokubambisana "i-Alfa-Bank" "Izibambiso Plus" kwenza umnini-zimali ukuthi athenge izitifiketi ngezinga eliphansi leengozi. Abathumeli bamasheya anjalo yizwe.

Kusukela ngesikhathi sokudala, ukubaluleka kwesikhwama sokutshala izimali "Bonds Plus" sikhule ngo-220%. Lokhu kungenye yezinkomba ezinhle kakhulu phakathi kwazo zonke izimali zomphakathi, ezinikeza i-Alfa-Bank. Ukunyuka okukhulu kwenani kuphela "ku-Eurobonds" (cishe ama-300%) kanye "nokwabelana kwamanzi" (cishe 230%).

Ezinye izimali zomphakathi ezivamile ezihlinzekwe yi-Alfa-Bank

Ukuhlaziywa kwezimali zomphakathi "i-Alfa-Bank" kubonisa ukuthi ukunyuka okukhulu kwenani kungukuthi "Amasheya e-Liquid" kanye ne- "Eurobonds". Ngempela futhi "Izibambiso Plus." I-PIF "Reserve" yakhula ngokubaluleka ngo-190%.

Isikhwama se-classic kuphela esiwile entengo kusukela kuqaliswa kwayo yi-Index ye-MICEX. Sehlile ngentengo nge-12%, nakuba ekuqaleni kwabonisa imiphumela emihle - eminyakeni emithathu izindleko zayo zanda ngesigamu. Into eyinhloko yalesi sikhwama yiziqinisekiso zezinkampani zasendlini.

Izimali ezihlangene ezikhethekile

Lesi sigaba sezimali sihlukaniswe ngezigaba ezintathu: "Investments Strategic", "Alpha-Capital" ne "Gold." Kusuka egameni lesikhwama sokuqala singacaciswa ukuthi kuhilela ukutshala izimali kwiphothifoliyo yomtshalili, okungahle kube nokwehluka ngokwemali kanye nemali. Amaphothifoliyo anjalo angabandakanya izibambiso zesikhathi eside nesikhathi esiphakathi. Ezinyangeni eziyisithupha zokuqala, lesi sikhwama sabulala cishe ama-5% ngenani, kodwa kakade manje inani lalo liyi-128% ephakeme kunalokho okwakusungulwa ngenkathi lwakhiwa.

I-PIF "Gold" yawa kabi kakhulu. Eminyakeni emithathu emva kokuqala kwayo, intengo yesikhwama ikhule ngamaphesenti angu-76, kodwa okwamanje ukunyuka kwentengo kungaphansi kwe-1%.

"I-Alfa-Capital" ingenye yezimali ezindala kakhulu phakathi kwazo zonke izimali zomphakathi, ezimele emakethe. Isici saso singumlingiswa ophakathi. Okwamanje, wanezela ezindlebeni ezingaba ngu-270%. Lesi sikhwama sokutshala izimali sinezigaba eziningi zokwabelana ngamanzi, izibopho ezinokwethenjelwa, futhi futhi kusuka ezinqolobaneni ezinethemba elikhulu lokukhula okuphawulekayo.

Izimali zemboni

Leli qembu liqukethe izimali eziyisihlanu: Ubuchwepheshe, Ingqalasizinda, Amabhizinisi, Ukuhweba Nezinsiza. Owokuqala ohlwini lwemali unikeza umtshalili ithuba lokutshala izimali kumasheya ebhizinisi, ezenza imisebenzi yazo emkhakheni wezobuchwepheshe obuphezulu. Umehluko omkhulu phakathi kwamasheya ezinkampani njengendlela yokukhula ephakeme. Futhi, izimali kulokhu sikhwama zingabalwa isikhathi eside. Kusukela ekusungulweni kwesikhwama sokubambisana, inani lalo liye landa cishe ngu-110%. Nakuba ngonyaka wokuqala inani lekhwama liwile kancane.

Izimali zomphakathi "Trade" kanye "Resources" zanda ngamanani ngo-65% ngamunye. Isikhwama sokuqala sinikeza ithuba lokutshala ezinkampanini ezihlobene nomkhakha wezohwebo, kanye nemikhakha yemkhakha wamakhemikhali, izimboni zobunjiniyela kanye nezimboni zokudla. Ukutshalwa kwezimali ku "Izinsiza" kuhilela ukutshalwa kwezimali emkhakheni wezolimo kanye negesi womnotho, othembisayo kakhulu ezikhathini zanamuhla.

Izimali zokutshalwa kwezimali zamayunithi "Amabhizinisi" nethi "Ingqalasizinda" zalahlekelwa ngu-31% no-12%, ngokulandelana. Isikhwama sokubambisana "Amabhizinisi" ikuvumela ukuthi utshale imali kumkhakha wezezimali. Ukuchithwa kwephothifoliyo - ngamazwe nezindleko. "Ingqalasizinda" ihilela ukuthola izinzuzo ezizinzile kusukela ekutshalweni kwezimali emkhakheni wezamandla. Kodwa-ke, eminyakeni yamuva, inzuzo yayo iwile kakhulu.

Ngokufushane mayelana nokubuyekezwa

Lapho ukhetha isikhwama sokutshala izimali zokutshala izimali zosizo kuzofika izibuyekezo mayelana nemali ehlangene ye-Alfa-Bank. Yiqiniso, ingaba nomphumela omuhle futhi omubi. Abasebenzisi abaningi kwi-intanethi babonisa ukunganeliseki kwabo ngokuthi i-Mutual Funds ayikwazi ukuqinisekisa imali engenayo.

Okuthandwa kakhulu yi-PIF yama-class "Eurobonds" eshiwo yithi. Kanti futhi abaningi baqala ukutshala imali embonini yezimboni ezihlangene, okungukuthi - kwezobuchwepheshe obuphezulu. Ngokuvamile, ngokubhala kahle, babhala ngeqiniso lokuthi Izimali Zomphakathi zikhulisa uhlu lwezinto zokutshala izimali.