first, briefly about the two types of is, we will still have a separate program about them, but now the main one and from type a is beneficial to those who receive a large white salary and pay a lot of taxes on it, so that the benefit is a maximum of 52,000 rubles. in a year, you need to pay the same or more income tax to the treasury, that is, your official income must be at least 400,000 rubles. for a year and replenish the invest account, you need 400,000 or more. if you would like to receive the maximum tax credit for this program if you do not have the opportunity to set aside such an amount, or you pay little income tax, then type a is not very suitable for you, for example, if you are not a working pensioner, do not fall for the offer to put money in an investment account, type a from type b is useful, if you trade a lot in the securities market and show a yield of more than 27% per year. that is, you have to monitor

the movements of quotes on the market almost every day and conclude appropriate transactions. then you can exempt your income from income tax, if you are an investor with little experience, it is better, of course, to turn to funds. this funds is a ready set of investment instruments. bond shares. some derivative financial instruments are possible. it is formed by the company and have already balanced risks. inside yourself , you can look at combat investment funds or trust management strategies from large brokers. if you have more experience, you feel the strength and ability to choose papers on your own, then set a strategy. uh maybe uh a completely different classic investment portfolio is a portfolio of 60% shares 40% obli. in almost any case, the return on

investment will be greater than on a bank deposit. now rates on deposits. we went down along with the key rate of the central bank and in the largest banks it does not exceed 7%, but if you open an ip to buy russian government bonds on it and hold until maturity, you can get 8 or more percent. in a year, plus tax benefits from the state on investments , you can earn more if you are ready to take take on more risk and buy bonds of large russian corporations. or you can even take shares, but keep in mind that here you can not only win, but also lose a significant part of the fund . you need to understand the market. who is eligible to open an individual investment account. this can be done by any citizen of russia over 18 years old, but the rules work one of a kind for one person, otherwise the right to tax benefits is lost. benefits first select a broker bank or

management company to find the right one an option to look at the conditions that you are offered, firstly, you need to carefully study the tariffs on the company's website and understand how much it will cost you to service almost all companies take a percentage of transactions, the less it is, the better, then. learn if there are any other commissions, some companies charge money for maintaining an account for a certain amount per year or per month, you should also pay attention to this, there may be additional commissions for connecting to a trading terminal, or a broker may charge money for depositary services. that is, for the fact that it stores the securities that you buy, sometimes the broker requires payment from the settlement and cash services. that is, in order to withdraw money from a brokerage account to a personal bank account, it is important not to focus only on the tariff for transactions. sometimes it is deliberately underestimated and they earn much more on others. this must be taken into account, it is also worth

looking at the history of the company, how it survived the crisis on august 20-14, 1998, whether there were any complaints about it on the internet, it makes sense to read the forms of investors, moreover, those platforms for discussion that the company does not control, do not focus only on reviews on the official website, another point in the convenience of working with a broker. does it have a mobile application, how convenient is it, what do other users write about it or can you work only through a trading terminal on a computer, the main question is how to choose by the quality of management, and the main question is how to choose the cost of services and here is just yes , you really need to look, that is, if for management is taken an amount higher than that of others, then you can safely change the management company, or the broker, go to another procedure within. if you have some assets, if money, then it

happens within a few days, so the only question is the provision of services for certain commissions, the size of which just matters, and so all organizations are basically the same , if we talk about the cost of services, then the tariff plan. they are all in public heights and on the website of the organization, if we talk about self-organization. how to evaluate it, of course, the first option is to go to the website of the central bank where there is a register and where all licensed organizations are registered that have the right, in principle, to work with and, accordingly, with others. if we talk about specific organizations, there, the best management companies are worse, then here you already need to look at the ratings, and which are made up as ordinary users, that is, they put points, and also compete with each other. it can be said that organizations have decided on the company where you will be open the bottom well it is time to apply it can be done. at the same time, through the company’s website

, you will need a passport and, in most cases, an account for public services, if you apply for an iis bank you know, which already has your copies of documents. anyway , be sure to check the list, if you decide to personally come to the office, then you need to take your passport and individual taxpayer number with you. you can find it out, either on the public services website or look at the snils pension insurance certificate, a small green card is usually all the procedure from concluding a contract for brokerage services and opening an account for trading in the application takes no more than half an hour , you can deposit money and start investing. so, most importantly, each citizen can have one individual investment account. it can be opened with any broker or management company and in many banks for this choice. it is necessary to approach responsibly to study the commission and evaluate the convenience

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