Recently, we are experiencing an increasing need to obtain the status of a qualified investor in the conduct of active financial activities. Just recently, talk began that only such a person could legally engage in Bitcoin trading. And this article will be the answer to the wave of questions. So what is a qualified investor like? How can I get this status?
general information
The idea of separation is based on the desire to protect the broad masses from complex instruments, work with which is associated with an increased level of risk. To make effective investment decisions, you must have special skills and knowledge. Thanks to them, you can make meaningful actions. And all this confirms the status of a qualified investor. It should be noted that this is not without meaning. A similar situation is observed in one form or another in all developed countries of the world. Of course, all of them are at different stages of regulation and are considered from different perspectives.
Reasons for this behavior
How did a qualified investor appear? The fact is that as products that were intended for the masses arise, the state begins to protect ordinary citizens from the most significant risks. So, it prohibits (and this is quite correct) the use of risky schemes, tools and so on. There are restrictions on the terms and procedure for mutual settlements, etc. So, with respect to instruments to which a qualified investor has access, relatively mild regulation is applied. It is believed that if a person has knowledge and skills, then he can independently understand all the points, assess the existing risks and make a meaningful decision as to whether to invest on the proposed conditions. It should be noted that such a concept as a “qualified investor” exists in a certain form in all modern developed countries. Therefore, from the point of view of the global trend, our situation is not out of the general channel.
Implementation Features
In general, the idea is correct. But, as often happens, the implementation turned out to be quite one-sided. For example, recognition of a person as a qualified investor is necessary when working with a mutual investment fund. And if you want to play Forex, then getting this status is not necessary. And here I want to ask a question: how many people went broke due to the fact that they invested in mutual funds? How much is Forex trading? In the first case, we will not provide an answer. Whereas with “Forex” ruin overtook 95% of all novice players.
In fairness, it should be said that one-sidedness affects not only the legislation of the Russian Federation. It’s hard to say that the situation is better in the world. Why did it happen that way? It's all about lobbying. How much funds does an ordinary mutual fund have? Due to the specifics of the activity, they are quite heavily regulated. And in order to lobby for laws favorable to themselves, they have no means. And what is the volume of Forex? By the amount of advertising on the Internet, you can understand that it is huge.
Specific moments
It should be noted that recognition by a qualified investor allows you to access tools that are in practice more profitable and promising. At the same time, it is less likely to meet with direct deception. What is the problem if there is less regulation? The fact is that it is much more difficult to deceive an experienced and knowledgeable person.In addition, qualified investors are an order of magnitude less than mass. Therefore, this segment is unattractive for scammers. Therefore, various commercial risks prevail here. But they, however, should be recognized by a qualified investor. After all, he has knowledge and skills. In general, obtaining such a status allows you to access a large number of different ways of investing money that are not accessible to ordinary citizens.
How to get
We have already examined what a qualified investor is. The requirements that are put forward by the state are framed as general rules. So, to obtain such a status, you must meet two of the following requirements:
- It owns securities and / or other financial instruments, the total estimated value of which exceeds three million rubles.
- He has experience in organizations that carried out transactions. Depending on individual moments, it should be from three months to two years.
- He made at least ten transactions with securities and / or other financial instruments per quarter over the past four periods. Moreover, the total price for the year should be at least three hundred thousand rubles.
Who are qualified investors
The legislative framework is in the second paragraph of Article 51.2 of the Law “On the Securities Market”. So, it says that qualified investors are:
- Dealers, managers and brokers.
- Credit organizations.
- Management companies.
- Insurance organizations.
- Joint-stock investment funds.
- Bank of Russia.
- Non-profit organizations with the form of funds that support small and medium-sized businesses, in which all the founders are citizens of the Russian Federation.
- State corporation known as Vnesheconombank.
- Non-state pension funds.
- Deposit Insurance Agency.
- International financial organizations like the International Monetary Bank, the World Bank and others.
- Other persons that were classified by federal laws as qualified investors.
Any legal entity can obtain a similar status if it meets the requirements of:
- Equity exceeds one hundred million rubles.
- At least five transactions with securities and / or other financial instruments over the past four periods were carried out on a quarterly basis, while their total price should be at least three million rubles.
- The turnover for the last reporting year was not less than a billion.
- The amount of assets exceeds 2 billion.
What is of interest to us
First of all, these are papers for qualified investors. As previously mentioned, they have access to a number of tools that allow you to receive more profitable offers. A qualified investor without problems with one amount will be able to earn much more than a representative of their masses. And it's not just about the tools. A large role is played by the knowledge and skills that he possesses. On the one hand, it might seem that the situation is a little unfair. But if you look, it will become clear that everything is done correctly. It should be remembered that working with monetary instruments is always extremely high risk. And if there are no restrictions, then many lovers of easy money can very quickly become disappointed. And this already threatens with certain social unrest.
Conclusion
So it was examined what constitutes a qualified investor. Of course, this topic is quite broad and interesting, and all its aspects cannot be placed within the framework of one article. But what awaits us in the future? Let's go back to the topic that was considered at the very beginning.If state regulation is introduced, will there be a situation when one of the pillars of a financial institution is partially violated? After all, the Bitcoin system itself does not provide for a single regulatory center. Since it cannot be taken under control by a single state body or even a group of countries, all this is very doubtful. And is it worth providing certain advantages to qualified investors if they are not fully realized? This idea itself is certainly correct. Certain concern is only the excitement for its implementation. But what can you do, just a little is perfect. Therefore, it remains to hope that over time everything will gradually form.