How to make money on mutual funds

What is a Mutual Fund

Mutual fund or mutual fund - it is a form of collective investment, in which the management company manages funds in the united fund investors to generate income.

If you simplify everything to the limit, this is how it looks: some investors put their money into a common "purse", which is transmitted by the management company. financial market professionals decide which assets to buy with the money of investors to achieve the highest possible profit.

Minimum investment amount varies from fund to fund. For example, to become a majority shareholder in mutual fund management company "Alfa Capital"Enough just 1000 rubles.

What are mutual funds

There are open, interval and closed investment funds. Buy and sell shares of the mutual fund, you can open at any time. The interval funds permitted during certain periods, for example for two weeks every six months. From a closed fund can withdraw money only after the expiration of his work. Novice investors suitable open and interval mutual funds.

When choosing a fund is taken into account, with any investment objects it works. It is up to the selected money management strategy depends on the result of many things.

For example, a mutual fund may invest investors in stocks or bonds, specializing in securities opredolennoy industry. There are mutual funds that earn on investments in gold and other precious metals. As a rule, in the arsenal of the major operating companies can find a large selection of funds.

Can I earn with mutual funds, if you do not understand about financial instruments

Yes, and for this there is the management company. You give money in the hands of professionals who are well oriented in the market situation and ensure that the variation value of the securities at the right time they buy and sell.

If you compare mutual funds with the traditional form of savings as deposits, the fund has several advantages. First of all, it is a potentially higher return on investment. For example, the yield OUIF market of financial instruments "Alfa Capital Bonds Plus"On October 31, 2017 amounted to three months 3.72%, six months - 5.62% one year - 13.25% over three years - 44.00%, and since the formation of the fund - 275, 41%.

From the open mutual fund can withdraw their money at any time. Of course, no one forbids you to do the same with a bank deposit, but in this case is usually lost accrued interest - in full or in part. Money earned by a mutual fund, if you will.

Compared with independent investing in mutual funds also have advantages. In particular, it is an opportunity to better diversify investments to reliably protect them. Together with other investors, you become the owner of a portfolio of a variety of assets. And experts to manage it.

How to choose a mutual fund that suits you

Before purchasing the shares of the investment fund, decide what you are doing. Indicative list of questions that should answer: how much and for how long you are willing to invest, what is more important - the high yield or low risk, as ideally would like to earn.

Equity funds are able to bring a higher long-term income. The minimum investment risks in the bond mutual funds, especially if the focus is on investments in government securities. Thus, the fund "Alfa Capital Bonds Plus"Working with the bonds of the Russian Federation and major Russian companies. This is one of the most conservative mutual funds in the line of the management company "Alfa Capital".

How to buy shares in an investment fund

You've probably at least once purchased via the Internet a plane ticket or a train. Buying paov fund "Alfa Capital Bonds Plus" is just as easy: fill out the online application for shares, indicate their passport data and paying with a credit card. Five minutes - and you are an investor.

By the way, the payment of any bank card free of charge, these expenses takes on the management company. It also calculates and are listed in the tax budget when you decide to sell the shares. And if you invest in a mutual fund money for three years, the income in the amount of up to 9 million rubles will be exempted from taxation.

A pleasant surprise: when buying a mutual fund paov "Alfa Capital Bonds Plus" until December 31st 2017 you get a free subscription to the online cinema "Amediateka». For investments of 10 000 rubles, "Alfa Capital" gives free month subscription, and for purchasing paov 100 000 you are entitled to three months access to "Amediateke". While money is working, you can enjoy your favorite TV shows.

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