The first rule of financial well-being is investing. But there are so many financial instruments that people who want to invest their money profitably, think: what to choose? Where to invest to increase without losing them?
We will talk about such an investment tool as Sberbank bonds. Profitability and stability are the main properties of these securities. But first you need to talk a little about the concept itself. Then it will be described in more detail about Sberbank bonds (yield, quotes, etc.). We will try to answer why they are the less risky financial instrument.
Is it profitable to buy debts?
Bonds are debts in the literal sense of the word. If some people think that they are synonymous with stocks, or “something like that”, then they are very mistaken. Many people know what is debt any person can borrow a certain amount from a neighbor or relative against a receipt. Some take bank loans with interest, etc.
But bonds are not just debt, they are obligations that acquire the status of securities. The reason for this is that they undergo special procedures and fall under the Federal Law governing stocks and bods market. Without participation exchange intermediary (broker) it is impossible to buy bonds. The exchange controls the legality and honesty of all transactions related to these assets and protects the interests of the market, and not specific corporate clients.
Types of bonds for the payment of obligations
Bonds are divided into many types: with guaranteed coupons, insurance, etc.
We will only list the basic ones:
- Discount - their nominal price is much higher than what was spent, which allows investors to make a profit on their sale.
- Coupon - the main income comes from interest.
- Bonds with a Mini coupon - profit from them both from a discount and from a coupon.
Features of the Sberbank bond: yield and reliability
Now more about the securities of the largest Russian bank.
First of all, Sberbank bonds - yield and reliability. Of course, profitability is compared with bank deposits, which fluctuate around 3-7% per annum.
A logical question arises about Sberbank bonds: what is the yield on them? We will answer - 6-12% depending on the specific asset.
The percentage, of course, is small, almost the same as for deposits in many banks. But we will analyze in more detail what are they more profitable.
Better to put money in a bank account?
People are inherently mistrustful and conservative.
There is nothing wrong with this - these are the instincts of self-preservation laid down by nature. The same applies to the attitude to bonds, including from Sberbank. Many, seeing a small percentage of their income, are disappointed and draw the wrong conclusions.
In fact, a Sberbank bond has a higher yield than a bank deposit, even if their percentage is the same. Cheating? Not at all.
If you read the deposit agreement, then everything immediately becomes clear: almost half of the interest is deducted for early withdrawal of money. In life, it often happens that money is needed urgently - this is what bankers play, calling for higher interest rates, but prescribing additional conditions. Of course, there are deposits where it is allowed to withdraw money ahead of schedule, but the percentage on them is no more than 5%. Recall that inflation for 2015 was about 12%, so people who save money at the bank for tomorrow actually lose it, unlike spenders who buy everything at once (not on credit, of course).
Advantages of bonds from Sberbank
Despite a small percentage of Sberbank bonds, reviews of these assets are usually positive among investors.
The arguments are as follows:
- Income from them is higher than from bank deposits.
- Minimal risks. Unlike other investment instruments — mutual funds, IMSs, SPAMM accounts, bonds depend on the reliability of Sberbank itself, and not on the success of trading on exchanges.
- In case of early sale of securities on the stock exchange, the investor retains the percentage of return on them, unlike a bank deposit, for the early withdrawal of which a large percentage of profit is lost.
The history of Sberbank bonds, or how our people were deceived
Of course, today no one doubts the high rating of the bank. Reliability, accessibility, honesty, openness - these are the main tenets of the policy of his leadership. However, this was not always the case.
Sberbank in 1982 issued bonds for the Government of the USSR. Since the collapse of the USSR, people have been able to exchange the face value of 100 rubles for 160 since 1993. Moreover, the exchange was forced, today these securities are of interest only to collectors.
Huge inflation and the introduction of millions of rubles in fact reduced the price of securities by a factor of ten, and by "cutting off" three zeros from the ruble in 1998, the authorities simply robbed investors, making their bonds 1000 times cheaper.
Just imagine the situation: a person throughout his life put aside half his salary, and in the end he was able to buy only a couple of loaves of bread for his savings. Hence the distrust of many older citizens in all kinds of speculative securities, stocks and bonds.
But today the situation is completely different: investors have wide opportunities, up to deposits in foreign currency, which does not depend on internal devaluation, inflation, denomination, etc.
Bond value
The cost of Sberbank bonds depends on the following parameters:
- Time to maturity.
- Face value.
- Coupon income, that is, annual interest on them.
- Opportunities for early presentation.
- Volume of release.
- The financial condition of the bank.
Buying Methods
These securities can be bought in one of several ways:
- Through the stock exchange.
- Via Paevaya investment fund - in this case, the management company will be engaged in the acquisition. But then no one guarantees that it is precisely Sberbank securities that will be acquired on your investments.
Eurobonds from Sberbank
People who are just learning the basics of investing suggest that Eurobonds are shares of European companies in which the bank invests money. In fact, these are the same bonds that are quoted at international sites for currency. You should not expect a huge income on Sberbank bonds and Eurobonds, but the risks of losing capital are minimal.
Profit on Eurobonds is about 5.5%, but for investors with billions of capital this is one of the most acceptable options for the following reasons:
- Bonds are sold and bought for dollars, and inflation of this currency is 0.5-1% per annum (comparable with the ruble from 12% for 2015).
- Compared to US government bonds (yield 2-2.5%), the percentage is very decent, more than doubled.
findings
Of course, everyone decides for himself what to invest in. But Sberbank of Russia bonds will not bring quick success. Prices and returns on them depend on several factors. We have already listed them. But you should not expect special millions from several hundred thousand here. The main quality of the bank is reliability.
For those who want to invest at a higher percentage, there are many other financial products. But in this case, be prepared: no one will insure your capital against losses. When investing, for example, in mutual funds in the Sberbank Asset Management company, be aware that the bank does not guarantee the safety of this money, unlike deposits and bonds.In addition, various mutual funds, IMSs and SPAMM accounts are not insured against losses in any way, therefore it is useless to sue the management company if it “merges” hard-earned money for a rainy day.
