"Sberbank uNdunankulu" - kuyini? Inzalo imali, izibuyekezo zamakhasimende kanye nabasebenzi

Sberbank eRussia inikeza amaklayenti ayo ezinsizakalweni ezifana "Sberbank uNdunankulu". Kuyini lokhu? Zama ukuqonda kabanzi. Isevisi kusala ngesakhiwo ezikhethekile isevisi, okuyinto itholakala kuphela amaklayenti abacebile emikhulu yasebhange kuleli zwe. Njengengxenye isiphakamiso enikeziwe ezingeni lelisetulu service kanye nobumfihlo esibanzi phakathi nezingxoxo, isevisi kunoma iyiphi legatsha emgqeni futhi ngosizo umphathi siqu lapho ukhetha imikhiqizo yasebhange ekahle.

Uba kanjani iklayenti zohlelo "Sberbank uNdunankulu" futhi yini izinzuzo ongazithola?

Uhlelo "Sberbank uNdunankulu", izibuyekezo zamakhasimende mayelana nokuthi iziphi izinhlelo omuhle kakhulu, uma kubhekwa isigaba esithile sabantu nhlobo. Ukuze uthole uhlu amakhasimende encomekayo, kufanele uhlangabezane omunye izimo saziso:

• Ukuba khona idiphozi enkampanini yezimali in inani ruble 1 million kuya ku-8 million.
• Ukuba Ngowenkolo amaklayenti iholo, ukunikeza umholo ikhadi of Sberbank eRussia esikhathini esidlule 6 izinyanga ngesilinganiso esingamaphesenti angu-150 kuya kwezingu-500 ngenyanga.

Izimfuneko angavunyelaniswa kuncike esifundeni ephakela lesi format wokubambisana. Ukuxhuma kwisevisi Kwenziwa ngocingo. Ngezinye VIP-service amaklayenti ongacela, lapho ubukhulu idiphozi zanqwabelana kuyinto ruble 8.000.000, noma esasele imali engaphezu kuka-ruble ayizigidi ezingu-20.

izipesheli abahlukile futhi kunenzuzo

Siyaqhubeka cabangela isimiso "Sberbank uNdunankulu". Kuyini ikuvumela ukubona anhlobonhlobo iminikelo ngaphakathi inkonzo. Kuwufanele ukusho mayelana amazinga ezikhanga kakhulu ku ezifakwa:

• "Prime Gcina" ukuze 11,34% in ruble.
• "Special Ashona" kusuka 11,02% kuya 11,67% in ruble.
• "Iphethwe" kusuka 10,31% kuya 11,20% in ruble.

Amakhasimende ukuklama premium etholakalayo Visa Platinum Umhlaba MasterCard Black-Edishini amakhadi. VIP-amaklayenti banethuba eliyingqayizivele ukutshala e mutual funds, namatshe ayigugu.

"Prime": sipho best for amaklayenti ocebile

Uhlelo "Sberbank uNdunankulu", zenzalo yokuzigcina ezifakwa kohlaka okuyizinto ekhangayo, lwakhiwe ukuhlangabezana nazo zonke izidingo amaklayenti ocebile. Abantu abanale ezandleni dolobha elikhulu, futhi manje ithuba ukutshala ohlelweni high-isivuno nge enokwethenjelwa futhi ingozi omncane. Amaklayenti 'Savings Prime "- a abatshalizimali nelungelo, okusho isebenza njalo ngabanye.

abaphathi Professional, ikhumbula imininingwane yalolu daba kanye nesidingo ukunikela imikhiqizo elilungile zezimali. Ukwahlukanisa wonke amakhasimende lenhlangano yezezimali emaqenjini akavunyelwe ukudlulisela inkonzo ezingeni eliphezulu.

Kungani kufanele nginakekele ohlelweni "Prime"?

Isevisi "Sberbank uNdunankulu", izibuyekezo ubhoko okuyizinto esihle kakhulu, kuhloswe ngaso abantu kakade unazo walo capital esikhulu ngasese. Akuyona imfihlo ukuthi emikhulu inani ukonga, ukuphathwa echwepheshile zidinga. Ochwepheshe Phezulu "Sberbank eRussia" linikeza ikhambi ngempumelelo ngokuya ukuphathwa izimali siqu. VIP-umlingani iyatholakala ngocingo siqu Umugqa ngamunye maphakathi contact. Noma yimuphi izindaba kungenziwa ngaphandle ngokuvakashela amahhovisi isikhungo sezezimali. Kuyinto elula kakhulu kubantu zebhizinisi, okuyinto cishe njalo akwanele isikhathi khulula. umeluleki professional zezimali inikezwe ubuso umphathi ngabanye. Iyoba aid esisemqoka ekwakhekeni Isu lokutshala izimali eside, ukuthola isiqondiso inzuzo kakhulu futhi kangcono ekwenzeni lokho okuhleliwe. Uhlelo "Sberbank uNdunankulu", ngaphansi okubalwe ngalo inzalo yemali ku ezifakwa kuyinto emakethe kakhulu kunalokhu inikeza imikhiqizo eziningana ezintsha yasebhange, ukufinyelela okuyinto unamaklayenti nelungelo kuphela. Lokhu "idiphozi kanye mutual funds" futhi "idiphozi, mutual funds kanye CBO."

"Cream" services yasebhange kwelinye iphakethe

Isevisi "Sberbank uNdunankulu", ukuthi bayaxoxa ngalolo daba ngenhla, eqinisweni ebhange engcono inikeza eziyinkimbinkimbi. umkhiqizo Complex, ne ukusetshenziswa kwezimali okungenani isikhathi futhi imfucuza elilinganiselwe umzamo, ivumela ukuba bachithe nenhloko-dolobha yalo njengoba kahle ngangokunokwenzeka. A ezihlukahlukene izindawo ukutshalwa kwezimali okungaphezu nje ethembisa. Ngaphandle investimenti bendabuko e idiphozi, amaklayenti ukufinyelela ukutshalwa kwezimali ezikhethekile amafa inzuzo kakhulu ezifana amatshe ayigugu kanye izibambiso. Abaningi kakhulu zimali ezincane akuyona into akukaze abanesifiso lezi zindawo, it has neze ngisho nabo abazange nazo.

Ukuthenga mutual funds: eziningi izinzuzo kwelinye iphakethe

Cabanga-mutual funds - yezindawo enenzuzo kakhulu, ezihlongozwayo ngaphansi kohlelo "Sberbank uNdunankulu". Ukuthi kuyini, zama ukuthola i-oda. Inani oyinhloko isiphakamiso ukuthi uvumela umuntu ukujabulela zonke izinzuzo amasheya kanye nezibopho. Imali etshalwe mutual funds, luqashwe abaphathi professional. abelana umnikazi akakwazi ukugcina umkhondo isimo sawo emakethe, ukuba ahlaziye futhi ukunquma phezu ukuthengwa nokudayiswa izibambiso. Isilinganiso ezingeni okulindeleke imali kanye nokwenza inzuzo komkhiqizo kuzoncika ngokuphelele kulokho iphepha wafaka e amafa: esitokisini, amabhondi, noma kokubili ngesikhathi esifanayo kwempahla. Bank "Prime Savings Bank" linikeza ukwenza wonke umsebenzi the zimali. Through the inhlanganisela ethenge kwempahla olulodwa, abaphathi abanolwazi ukuqoqa inzuzo kakhulu futhi umahluko, amaphothifoliyo esitebeleni kwezomnotho.

CHI - ukunikela kuphela into yomntakabani

Uhlelo, amakhasimende kungathatha ubunikazi bullion akhawunti, noma OMS, okuyinto kubalwa e amagremu metal. IMITHETHO lolu hlobo idiphozi sisuswa ngokushintsha inani le izinsimbi eziyigugu emakethe ngamazwe. Lesi sigwebo kusukela "Savings Bank uNdunankulu" wathola Izibuyekezo emihle kuphela, it has a uxhumano ezithile ngezinzuzo ukuthi inikeza. Inzuzo enkulu ohlelweni - ukungabi oluphelele VAT nobunzima isitoreji metal. Amathuba okweba nokucekela phansi impahla ayifakiwe ngokuphelele, ngakho njengoba amagremu ensimbini eyigugu ebonakalayo. Lonke udumo futhi isiphetho imisebenzi ngayinye akhawunti silula. Le sipho lubaluleke zimali ngoludala, ngubani sinake kakhulu ukusatshalaliswa izingozi futhi izimali imikhiqizo ebhange "Sberbank". Umnikelo "uNdunankulu" ngefomethi MLA negolide, benza isikhathi eside - kungcono ithuba elikhulu ukwandisa nekomkhulu lalo kunjalo akukho ingozi. Njengokungathi ufuna isiliva, platinum kanye palladium, lezi OMS maningi efanelekayo zimali ngokuhlangenwe nakho okuhle.

I evelele imithetho utshalomali

Izikhungo amaklayenti nelungelo ezingeni eliphezulu kakhulu - lokhu akuyona into kuphela enikeza "Savings Bank". Umnikelo "uNdunankulu" umkhiqizo "Idiphozi + Isikhwama mutual" elitholakala ngaso VIP wemboni ukutshalwa ruble ayizigidi 100. Kufanele agxile eqinisweni lokuthi ubukhulu idiphozi "Investment", okuyinto likhona isakhiwo umkhiqizo, kungenzeka konke 50%. Izimali esichithwa yokufuna ukwabelana, kufanele noma alingane noma idlule inani idiphozi. Ngokusho kohlelo "Idiphozi, Mutual Fund utshalomali CBO 'ubuncane kufanele azisizi ruble ayizigidi 150. "Portfolio 'ubukhulu idiphozi akufanele bube ngaphezu kuka-33.3% we ibhange sise izindlela. Usayizi tekusisa amayunithi noma CHI kufanele noma bavumelane lemali idiphozi, noma idlule kuwo.

Zenzalo, noma indlela imali ekuphumeni

Isevisi "Sberbank uNdunankulu" ngokubambisana linikeza izimo ekhangayo. Ngokwesibonelo, zenzalo ohlelweni "Investment" futhi "Portfolio 'ephakeme kakhulu kunalokho for imali ezivamile. Kuye ngokucacile umkhiqizo kanye isikhathi le-investimenti kuwo, iphesenti zingahluka kusuka 7 kuya 12.5% in ruble. i-akhawunti ngeke ukhokhiswe uma ukwanda izindleko izingcaphuno kwamatayitela namatshe ayigugu. Isilinganiso ingozi futhi ukubuya kungenziwa kalula kushintshwe yokufuna uhlobo oluthile izinsimbi engeyena umuntu ongokoqobo ukwabelana mutual funds ezahlukene.

Bank "Prime Savings Bank" (uMnyango amakhasimende encomekayo) inikeza izimo ezithile ngokubambisana. Imali zenziwa esikhathini esifushane: 1 inyanga futhi 1 usuku, izinyanga 3 no 1 usuku. Zonke ezinye ezifakwa ukudluliselwa iyatholakala ngaphansi "Gcina". Ngesikhathi kwesikhathi imigomo yabo idiphozi izinhlelo, unga nje eduze. kukho okuningi imali eningi - ke luwukulindelwa yenani yamafa ku ezimakethe zomhlaba jikelele ngenjongo ukudayiswa yabo ngokwengeziwe ephakeme kakhulu intengo. Umkhiqizo ngamunye kuhambisana nezinhlelo esibanzi ngabanye utshalomali.