Mutual Funds of Raiffeisen Bank are effective and reliable investment instruments. Raiffeisen Capital's assets are managed by a team of managers. Each fund is individual. To choose a mutual fund, you should consider in detail the characteristics of each of them, as well as the features of cooperation with the management company.
Features of investing in mutual funds of Raiffeisen Capital
The management company Raiffeisen Capital offers investors several mutual funds. Each of them differs in the structure of the investment portfolio and trading strategy, which allows you to purchase an asset in accordance with the individual preferences of each potential client. The company manages mutual funds with a relatively low yield, which is not much higher than the profit on bank deposits.
The company's arsenal also includes high-yield, high-risk funds. They include commodity raw materials, as well as shares of companies specializing in the development of high technologies.
Main types of funds and their characteristics
Raiffeisen Capital currently manages 18 mutual funds. Some of them are very similar in terms of asset management strategy and investment portfolio structure. Below is a list of the best mutual funds to look out for when building your own investment portfolio. The yield on them is relatively low, which is offset by high reliability. Taking into account commissions and taxes, deposits will be justified only for long-term investments.- Raiffeisen - Bonds. The fund is intended mainly for conservative investors. The object of investment is government and municipal bonds of the Russian Federation and subjects. The return of the fund in 2015 was 29%, and in 2017 only 8%. This can be compensated by the high reliability of investments with minimal risks.
- PIF "Shares". The main direction of investment is the shares of leading domestic enterprises that ensure the development of the state economy in the long term. These mainly include organizations in the industrial and extractive sectors, whose products are in high demand. The investment portfolio is compiled in accordance with the norms of risk diversification. The rate of return is on average at the level of 35% for 3 years. Even the difficult geopolitical situation did not affect the high profits of the fund.
- MICEX index of blue chips. The most profitable fund, the yield can reach 15% per annum. The investment portfolio consists of the assets of large Russian companies, whose services are in high demand among consumers and on the world market.
- Mutual Investment Fund "Raiffeisen - Raw Materials Sector". A highly specialized investment fund whose activities are aimed at financing the industrial sector, namely in:
- oil producing and oil refining industry;
- mining of minerals;
- production of metallurgical structures.
The average annual return of the fund is 12% per annum.
- Mutual investment fund "Consumer sector". Despite the global economic crisis, which has a detrimental effect on the solvency of the population, which in turn negatively affects the profits of consumer sector companies, this fund has shown a stable return of 8% per annum over the past 3 years.
- PIF "Industrial". Investors' investments are distributed among the shares of Russian companies in the metallurgical sector, as well as industrial enterprises in the chemical industry, as well as mechanical engineering and construction. The average annual yield is 9% per annum.
- PIF USA. Assumes investment in the US economy. The yield for 2017 was 12%.
- Active management fund. An effective financial instrument with competent risk diversification. The structure of the investment portfolio includes shares of leading domestic and foreign commercial organizations. The average annual return of the fund is 11%.
- Mutual Fund "Debt Markets of Developed Countries". The portfolio consists of corporate debt assets of companies primarily from Europe and the US, which have a high credit rating. The risk is practically non-existent. The average annual yield of a mutual fund is 6%-7% per annum.
- PIF "Information Technologies". Investing in this fund can be considered a win-win, since information technology is developing more than rapidly today. The structure of the investment portfolio assumes the most optimal ratio of risks and potential returns even in times of economic crisis. The average annual yield is about 10% per annum.
You should choose a mutual fund for investment in accordance with your personal trading strategy. With a conservative approach to investment activities, you can select 2-3 funds from the proposed ones and distribute between them up to 40% of the total capital. This will neutralize the negative impact of inflation on the trading account balance, as well as ensure high risk diversification.
You can get acquainted with the dynamics of profitability through the price chart, which is presented on the official website of the Criminal Code for each mutual fund.
Opportunities and benefits of investing
Investments in mutual funds of Raiffeisen Capital have a number of advantages:
- The yield on some assets is 2 times higher than the profit on bank deposits, while the risks are almost identical. In other words, mutual funds from this management company are a cross between direct investments in the stock market and bank deposits.
- Passive income. The assets of each fund are managed by professional portfolio managers. The investor can only transfer funds and observe the development of the value of the shares through a personal account.
- The minimum investment is only 10,000 rubles if the shares are purchased directly at the offices of the management company.
Against the backdrop of the obvious advantages of such investments, one should also pay attention to one significant drawback - commission fees and taxation. Raiffeisen Capital regularly changes the terms of cooperation. At the same time, there is no advance notification of customers. The company, at the request of the investor, can act as a tax agent. An additional fee is charged for this.
How to become a fund client
To invest in mutual funds of Raiffeisen Capital, you should personally contact the office of the management company or its agent. You must have a civil passport with you. When buying shares without intermediaries, the minimum investment amount is from 10,000 to 50,000 rubles (depending on the chosen mutual fund). The terms of the company provide for additional investments in the selected fund. Their amount must be at least 10,000 rubles. If a transaction for the purchase of shares is carried out between an investor and an intermediary organization, then the minimum deposit amount should be from 150,000 rubles.
For registration, you will need to fill out the appropriate application at the office of the company or intermediary, and then transfer the desired amount to the details specified in the contract after signing it.
The terms of the company do not provide for a minimum investment period, however, portfolio managers and consultants recommend not to consider a period of less than 3 years. Otherwise, commissions and taxes will take most of the profits.
Despite many negative reviews that can be seen on specialized information sites, investments in mutual funds of Raiffeisen Capital can still be considered one of the most reliable. Negative opinions about the work of this management company are primarily due to the fact that the citizens who left them did short-term (up to 6 months). As a result, after deducting tax and commissions of the Criminal Code, the profit turned out to be insignificant.
Raiffeisen Capital Management Company was established by the financial corporation ZAO Raiffeisenbank. The company is an advanced player in the financial market, it is a member of the Association for the Protection of Investors' Rights and the NP National League of Managers.
Investing with funds
The main activity of the Management Company is the coordination of investments of individuals and legal entities through mutual funds and trust management. The structure of Raiffeisen Capital Management Company includes:
- Raiffeisen Shares is an investment fund designed for capitalists who consider long-term investments in Russian companies as one of their priorities. The main tools for making a profit are the shares of stable companies.
- Raiffeisen Bonds is an open-ended fund whose main clients are conservative investors who aim to invest in bonds and other debt obligations secured by the state's cash reserves.
- "Raiffeisen - Balanced" is a fund that attracts the attention of capitalists seeking to achieve a balance of high-risk and reliable instruments in one portfolio. The company's dominant asset is shares, losses on which are leveled by the presence of bonds with guaranteed coupon income.
- Raiffeisen - USA is a fund of Raiffeisen Capital Management Company, created to carry out profitable transactions on the US stock market
- "Raiffeisen - Consumer Sector" is a fund that satisfies the interests of capitalists who highly appreciate the opportunities for developing the consumer sector of the economy. The core of the fund is the securities of large retailers, as well as companies closely associated with the production of consumer goods.
- "Raiffeisen - Raw Materials Sector" - a fund that implements the financial needs of capitalists who are ready to invest financial resources in the raw materials sector.
- Raiffeisen - Information Technologies is an open type fund that implements financial injections into the information business. The Fund daily makes transactions involving shares of information, telecommunications and other similar companies.
- "Raiffeisen - Power Industry" is a fund intended for capitalists who expect to receive profit through financial injections into shares of companies operating in the power industry.
- "Raiffeisen - MICEX Index" is a fund that uses the main trends of the stock exchange as a guide. Priority are transactions with shares of companies forming the "blue chips" segment, as well as corporations in the field of trade and communications.
- "Raiffeisen - Industrial" - the company invests monetary assets for the implementation of infrastructure projects.
- "Raiffeisen - Asia" is a fund of the management company "Raiffeisen Capital" created to carry out profitable transactions in the stock market of the Asian region.
- "Raiffeisen - BRIC" - a fund created to carry out profitable transactions in the stock market of countries that are part of the BRIC structure.
- "Raiffeisen - Gold". The financial injections of the fund are aimed at making transactions for the acquisition of precious metals. The fund is an attractive object for investors who adhere to classical thinking and seek to place funds for the long term.
- "Raiffeisen - Treasury" - a fund that attracts the attention of investors who have faith in receiving coupon income on bonds;
- "Raiffeisen - Active Management Fund" - a fund created to carry out profitable transactions in the stock market of the USA, Europe and Asia. It is aimed at capitalists who are ready to allocate financial resources for a period of 2 years.
- Raiffeisen-Eurobonds, the Raiffeisen Capital fund of the management company, which is based on the principle of investment in dollar assets, which during the period of ruble stagnation are an effective means of making a profit.
- "Raiffeisen - Second Echelon Equity Fund" - the company is focused on acquiring shares of little-known corporations that are at the stage of intensive development.
Personal Investment Tactics
The conditions of increased market volatility often dictate to investors the choice of a personal strategy for managing financial resources. Ex. the company is ready to provide a manager to develop a unique investment strategy for both ordinary and corporate investors.
Limited Liability Company Raiffeisen Capital Management Company actively cooperates with institutional investors such as non-state pension funds and insurance companies. The main activity is the investment of own and borrowed financial resources of investors in the most profitable instruments.
A mutual fund is a fairly popular investment tool today, which is actively offered by banks at any opportunity, and RaiffeisenBank is no exception.
For those who do not know what kind of "beast" this is, we have prepared a small educational program.
A mutual investment fund - a mutual investment fund - is a kind of "financial structure" that has nothing to do with "pyramids" and other inventions of the "dashing 90s" era. In fact, this is a service company, which, like a bank, is a professional investor. Anyone with minimal effort can deposit their money in a mutual fund. In return, he receives a "security" or share, confirming the amount of the deposit. The Fund, in turn, depending on the specialization, invests the funds received in the real sector of the economy, precious metals, other securities, etc. The specialization of the fund, as a rule, is directly indicated in its name.
A mutual fund is “managed” by a management company (“general director”), the purpose of which is to increase the property of the fund and, consequently, to enrich its contributors. Depending on the performance of the "general director", the investor can receive both income and loss.
Of course, no one distributes any dividends at the end of the year. The shareholder receives the actual income in the event of the sale of his share at a price higher than the purchase price of this share, as well as the commission of the management company (if any). We strongly recommend that you find out about the size of such commissions in advance.
When compared with a bank deposit, then, of course, a mutual fund is a riskier investment instrument. However, as in any financial business, “risk costs money”, therefore, as a rule, the return on a mutual fund can be significantly higher than the contribution, if circumstances are successful.
At the same time, a mutual fund is much more flexible: a shareholder can increase or decrease his share at any time by buying/selling at the current market value of the share.
However, remember that when communicating with a mutual fund consultant, it is very important to understand all the details of the fund's activities (specifics, strategy, portfolio, terms of the agreement with the management company, etc.). Remember, there are no stupid questions! But stupid mistakes out of ignorance and the real loss of your own money - the threat in this case is quite specific.
"What, where, when" - overview and dynamics
Let's see how the mutual funds managed by Raiffeisen Capital did in 2015, which was such a difficult and eventful year. We will compile the success rating of mutual funds by the level of profitability growth compared to 2014. This is how the places were distributed:
- Raiffeisen - Promotions . The fund specializes in shares of Russia's leading companies that form the long-term development of the national economy (these are not only companies in the extractive sector, but also in the financial and consumer sectors). Quite a diversified option in terms of risks. Despite the difficult political and economic relations in the world, mutual funds in this area showed the highest growth - 36.8%.
- Raiffeisen - Commodity sector. This package consists of leading companies producing and processing oil and gas, as well as those engaged in metallurgy and mineral fertilizers. Perhaps that is why the yield increase is somewhat lower - 36.3% (the portfolio is more highly specialized).
- Raiffeisen - Information technologies. In the era of the development of cyberspace and communications, this investment option can be considered a win-win, as it involves the most favorable risk / return ratio even in an ambiguous economic situation. This turned out to be true in 2015 – 33.48% increase.
- Raiffeisen - Bonds. It is considered the most conservative mutual fund, since it is based on debt securities of companies with a high state participation. Most likely, thanks to the strategy of “go slower, you will continue”, in terms of profitability, such mutual funds are always among the leaders - 29.04% of the increase.
- Raiffeisen - Active Management Fund. The portfolio includes shares of the largest Russian and foreign companies, as well as assets of promising second-tier foreign companies. Also, a win-win option with proper investment diversification is 27.35%.
- Raiffeisen - USA. The fund for investors who do not doubt the success and stability of the world's largest economy showed a fairly good result. The case when “the record book works for the student” is a 27.34% increase.
- Raiffeisen - Industrial. The core of the portfolio is made up of companies in the metallurgical sector, as well as companies in related industries: construction, mechanical engineering and the chemical industry. An unexpectedly good result in the conditions of the "crisis" - 24.41%.
- Raiffeisen - Consumer sector. Even despite the crisis, which primarily affects companies in the consumer sector due to a decrease in the purchasing power of the population, the UIF showed an increase of 23.08%.
- Raiffeisen - MICEX Blue Chip Index. Fund category "passive management", as it follows the dynamics of the MICEX index. Growth - 23.07%.
- Raiffeisen - Debt markets of developed countries. The portfolio consists of corporate debt assets of the largest American and European companies with high credit quality - 19.99%.
- Raiffeisen - Europe. The mutual fund also belongs to the “passive” category, as it follows the dynamics of the MSCI EMU index (formed from the shares of the largest European companies that are members of the Economic and Monetary Union) - 18.35%.
- Raiffeisen - Balanced. As the name implies, the strategy of the mutual fund is a combination of debt and property securities of the largest international companies - 14.17%.
- Raiffeisen - Gold. Historically, it is considered the most stable investment, especially during the depreciation of the ruble - 12.86%.
- Raiffeisen - Treasurer. The lion's share is government securities of the Russian Federation. Like gold, this is also an investment with the lowest degree of risk, and therefore a high level of return should not be expected - 11.42%.
- Raiffeisen - Electricity. The rate on companies in the electricity sector in 2015 can be considered not very successful - only 10.28% growth.
Raiffeisen - Emerging Markets. Investments in emerging economies this year did not live up to expectations - only 7.23% of the annual increase. - Raiffeisen - Precious metals. A clear outsider, as the only one "came to the finish line" with a negative result: - 6.04%.
In general, 2015 can be called quite successful: more than half of Raiffeisen Capital's mutual funds showed annual growth of more than 20%, which means that inflationary risks were leveled. Nevertheless, as in the case of weather forecasting, any forecast of the financial success of a particular mutual fund for 2016 is doomed to failure in advance. Optimists, as always, will believe in a brighter future, and pessimists will try to get rid of mutual funds as soon as possible in order to fix the existing profitability. To whom to attribute yourself, decide for yourself.
Overview of mutual funds (UIFs) offered by Raiffeisen Capital Management Company: a brief description, profitability, risks of value fluctuations, investment strategies.
Management Company: .
Address: 119002, Moscow, Smolenskaya-Sennaya Square, 28.
License issue date: 21.04.2009.
License number: 21-000-1-00640.
Open-end mutual funds (UIFs) offered by Raiffeisen Capital Management Company:
- Raiffeisen - Promotions
- Raiffeisen - Bonds
- Raiffeisen - Balanced
- Raiffeisen - USA
- Raiffeisen - Commodities sector
- Raiffeisen - Information Technology
- Raiffeisen - Power industry
- Raiffeisen - Industrial
- Raiffeisen - Europe
- Raiffeisen - Treasurer
- Raiffeisen -
| Source | Rating | Rating confirmation date | Notes |
|---|---|---|---|
| RAEX ("Expert RA") | A++ "Exceptionally high / highest level of reliability and quality of services" |
09/06/2016 | Withdrawn due to expiration of rating |
| National rating agency | AAA.am "The maximum degree of reliability and quality of services" |
04/06/2017 | Forecast - stable |
| investfunds.ru | 2nd place by net asset value (NAV) | 08/31/2017 | — |
| investfunds.ru | 4th place in terms of funds raised | 08/31/2017 | — |
Brief description of the mutual investment fund of Raiffeisen Capital
The minimum amount for the initial purchase of shares of any mutual fund is 50,000 rubles, for a subsequent purchase - 10,000 rubles.
Supplements and discounts when exchanging units are not charged.
The possibility of remote purchase / sale of shares is provided (Raiffeisen CONNECT).
| Name of the mutual fund | Surcharge | Discount | MC remuneration | Investment objects |
|---|---|---|---|---|
| Stock | 0% | up to 2 years: 3% up to 3 years incl.: 1% over 3 years: 0% |
3,9% | Shares of Russian issuers of the 1st and 2nd echelons |
| Bonds | 0% | up to day 91: 3% 91 to 365 days: 2% more than 365 days: 0% |
1,8% | Corporate bonds of the Russian Federation, municipal and government bonds of the Russian Federation |
| Balanced | 0% | up to 2 years: 3% up to 3 years incl.: 1% over 3 years: 0% |
3,9% | Shares of Russian and foreign (in the form of ETF) companies, government bonds of the Russian Federation, corporate Russian and foreign bonds |
| USA | 0% | up to 2 years: 3% up to 3 years incl.: 1% over 3 years: 0% |
2,4% | ETF (an exchange-traded index fund), the structure of which corresponds to the structure of the US stock index S&P500 |
| Consumer sector | 0% | up to 2 years: 3% up to 3 years incl.: 1% over 3 years: 0% |
3,9% | Shares of retail chains, companies engaged in the production of consumer goods, the provision of financial and other services |
| Commodity sector | 0% | up to 2 years: 3% up to 3 years incl.: 1% over 3 years: 0% |
3,9% | Shares of companies in the oil and gas and metallurgical sectors of the Russian economy |
| Information Technology | 0% | up to 2 years: 3% up to 3 years incl.: 1% over 3 years: 0% |
3,9% | Shares of American high-tech companies, as well as companies from Russia, China, India and Taiwan. |
| Power industry | 0% | up to 2 years: 3% up to 3 years incl.: 1% over 3 years: 0% |
3,9% | Shares of Russian power companies |
| MICEX index of blue chips | 0% | up to 2 years: 3% up to 3 years incl.: 1% over 3 years: 0% |
1,7% | Shares of companies included in the MICEX blue chip index |
| Industrial | 0% | up to 2 years: 3% up to 3 years incl.: 1% over 3 years: 0% |
3,9% | Shares of metallurgy, mechanical engineering, chemical industry and construction companies |
| Developing markets | 0% | up to 2 years: 3% up to 3 years incl.: 1% over 3 years: 0% |
3,9% | Shares of companies from Russia, Brazil, India, China, South Korea, Taiwan, Mexico, as well as ETFs corresponding to the structure of stock indices of these countries. |
| Europe | 0% | up to 2 years: 3% up to 3 years incl.: 1% over 3 years: 0% |
2,4% | The MSCI EMU Index is an index of leading European companies that are members of the Economic and Monetary Union. |
| Gold | 0% | up to 2 years: 3% up to 3 years incl.: 1% over 3 years: 0% |
2,4% | ETF, the dynamics of which corresponds to the change in the market value of gold. |
| Treasury | 0% | up to day 91: 3% 91 to 365 days: 2% more than 365 days: 0% |
1,5% | Deposits and debt obligations of reliable issuers (OFZ) |
| Active Management Fund | 0% | up to 2 years: 3% up to 3 years incl.: 1% over 3 years: 0% |
3,9% | Shares of Russian and foreign companies in various industries - high technology, pharmaceuticals, insurance, etc. |
| Debt markets of developed countries | 0% | up to day 91: 3% 91 to 365 days: 2% more than 365 days: 0% |
1,6% | An ETF whose dynamics follows the Markit iBoxx USD Liquid Investment Grade Index, whose structure is represented by corporate bonds of American and European companies |
Profitability of the mutual investment fund of Raiffeisen Capital Management Company
| Name of the mutual fund | Profitability, % | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | |
| Stock | 30,4 | 44,3 | 15,9 | -22,4 | -24,2 | 20,2 | 8,5 | -1,8 | 3,5 | -1,8 | 25,4 | 25,5 | -8,6 |
| Bonds | — | 7,2 | 6,7 | 5,5 | -12,8 | 18,4 | 6,3 | 4,9 | 9,3 | 5,8 | 9,0 | 11,6 | 9,5 |
| Balanced | — | 34,1 | 11,0 | -14,1 | -19,2 | 24,2 | 7,9 | 1,7 | 3,2 | -0,7 | 8,8 | 5,0 | 0,9 |
| USA | — | — | — | -15,3 | -27,6 | 31,5 | 15,1 | 28,1 | 16,3 | 31,8 | 63,6 | 10,1 | -1,9 |
| Consumer sector | — | — | — | — | -22,1 | 56,5 | -6,5 | 5,2 | 19,6 | 0,0 | 6,0 | 30,5 | 15,6 |
| Commodity sector | — | — | — | — | -11,0 | 28,1 | 17,5 | -4,8 | -11,5 | 9,7 | 66,9 | 11,8 | 6,9 |
| Information Technology | — | — | — | — | -11,4 | 64,0 | 11,4 | -11,6 | 13,9 | 3,0 | -4,2 | 20,9 | 15,9 |
| Power industry | — | — | — | — | -17,7 | 59,4 | -23,7 | -27,5 | -29,8 | -19,0 | -2,7 | 66,8 | 38,9 |
| MICEX index of blue chips | — | — | — | — | -16,9 | 23,7 | 13,5 | -6,0 | -3,0 | 3,4 | 24,9 | 15,2 | 3,5 |
| Industrial | — | — | — | — | -43,4 | 6,5 | -20,7 | -27,5 | -19,7 | 7,1 | 50,0 | 18,0 | 22,1 |
| Developing markets | — | — | — | — | — | — | — | 4,9 | 2,3 | 19,7 | 18,4 | 17,9 | 1,4 |
| Europe | — | — | — | — | — | — | — | -0,4 | -5,0 | 9,3 | 47,4 | -4,1 | 4,9 |
| Gold | — | — | — | — | — | — | — | — | -19,5 | -0,2 | 48,4 | 8,9 | -15,8 |
| Treasury | — | — | — | — | — | — | — | — | 6,4 | 3,4 | 5,7 | 7,2 | 6,0 |
| Active Management Fund | — | — | — | — | — | — | — | — | 3,1 | 14,3 | 48,8 | 6,8 | 7,6 |
| Debt markets of developed countries | — | — | — | — | — | — | — | — | -0,7 | 8,5 | 61,8 | -4,4 | -13,9 |
The yield is calculated as the increase in the value of the share at the beginning of September of each year.
The average annual yield of the mutual investment fund of Raiffeisen Capital is shown in the diagram.
The average annual return is calculated as the increase in the value of the share from the moment the fund was created to September 2017, in terms of the year.
Risks of unit value fluctuations and correlation between mutual funds
For an objective assessment of the effectiveness of investing in a mutual fund, it is not enough to determine the profitability of the instrument; the risk of fluctuations in the value of units should also be taken into account.
The risk is calculated as the standard deviation of the monthly return as a percentage. The higher the risk, the more difficult it is to predict the future value of a share. For conservative and long-term strategies, high-risk mutual funds are undesirable for inclusion in a portfolio.
To identify the correlation between mutual investment funds, we will compose a correlation matrix.
The higher the percentage, the greater the dependence in the dynamics of the value of shares in a pair of funds. I will highlight the most noticeable combinations of correlated mutual funds:
- Group investing primarily in the Russian stock market:
- Raiffeisen - Promotions
- Raiffeisen - MICEX Blue Chip Index
- Raiffeisen - Industrial
- Raiffeisen - Treasurer
- Raiffeisen - Bonds
- Raiffeisen - Commodities sector
- Raiffeisen - Consumer sector
- Group investing in a foreign company:
- Raiffeisen - Active Governance Fund
- Raiffeisen - USA
- Raiffeisen - Europe
- Raiffeisen - Emerging Markets
- Raiffeisen - Fixed Income
Raiffeisen-Zoloto and Raiffeisen-Electroenergetics behave independently of other mutual funds. The Balanced and Information Technologies funds cannot be classified into any of the groups, since the direction of their investments includes both Russian assets and foreign ones.
The average correlation coefficient between mutual investment funds of the management company is 75.1%. I specifically cite this indicator, since the smaller it is, the greater the variety of funds offered. Let me explain, a management company can create several dozen funds investing in the same financial assets. This is done for marketing purposes, but for us, as investors, this assortment is of no interest. Because, firstly, the profitability of all funds of the same type will be approximately the same, and secondly, the dynamics of their value will always be unidirectional, which creates additional risks. Thus, by investing money simultaneously in several correlating funds, we will not get a significant increase in profitability, but the risks of value fluctuations increase significantly.
Strategies for investing in mutual funds of Raiffeisen Capital
1. Buy and hold strategy
The "buy and hold" strategy is suitable for medium-term and long-term investment of money, as a rule, several hundred thousand rubles in one of the most profitable and at the same time the least risky mutual funds for a period of more than 3 years. For these purposes, the following funds are optimal:
- Raiffeisen - Active management fund with an average annual return of 15.1% and a risk of 4.3%
- Raiffeisen - Emerging markets with 10.5% return and 4.4% risk
- Raiffeisen - USA with 12.4% return and 6.5% risk.
2. Speculative strategy
The ability to remotely make purchase / sale transactions and share exchanges, as well as the absence of surcharges and discounts for the exchange, allows you to apply a speculative investment strategy. You can read more in the article. A wide range of funds represented by the UK gives freedom of action. Funds of greatest interest are:
- Raiffeisen - Shares and Raiffeisen - MICEX Blue Chip Index, as they copy the dynamics of the Moscow Stock Exchange;
- Raiffeisen - Bonds and Raiffeisen - Treasury.
3. Portfolio strategy
Portfolio strategy consists in the distribution of the invested amount of money among several funds in order to obtain the maximum return for a given level of risk. Traditionally, the risk portfolio is divided into conservative, balanced and aggressive. This strategy is suitable for investing more than 1 million rubles in the long term. Let's apply the Markowitz portfolio theory to build a portfolio.
1) conservative— Estimated yield of 9-12% per year with minimal risk.
2) Balanced— Estimated yield of 12-15% per year with moderate risk.
3) Aggressive— Estimated yield of 15-20% per year.
4. Using mutual funds to insure foreign exchange risks
The variety of UIFs offered by Raiffeisen Capital makes it possible to use them to insure currency risks. Funds investing in foreign assets include:
- Raiffeisen - USA
- Raiffeisen - Emerging Markets
- Raiffeisen - Europe
In addition, there are a number of funds whose assets are distributed between Russian and foreign financial instruments.
The initial data for calculating the profitability and risk of mutual funds are taken from the official website of the Criminal Code.
Limited Liability Company Raiffeisen Capital Management Company.
The founder and sole participant of Raiffeisen Capital Management Company LLC is Raiffeisenbank CJSC.
Group AA (very high reliability - second level). The prognosis is stable.
Raiffeisen Zentralbank Austria AG (RZB), founded in 1927 and a pioneer in Central and Eastern Europe, provides a full range of commercial and investment banking services in Austria and is a leading regional bank offering commercial, investment and retail banking services.
In addition to banking services - in addition to representative offices operating in Russia (Moscow) and Lithuania (Vilnius) - RZB has several specialized companies in Central and Eastern Europe, offering, among others, services for mergers and acquisitions, financing of construction projects, management assets, as well as leasing and mortgage lending.