Those who are thinking about a stable source of passive income should pay attention to investing in bonds. This investment method is currently recognized as the least risky. When deciding to buy bonds, you should choose a reliable organization. This is Sberbank. You can make an investment by visiting a branch of Sberbank, or buy bonds at Sberbank Online.
Bonds are securities issued by the government or an organization, in this case by Sberbank, to attract investors' funds. In simple terms, this is a bond in the form of a security. In accordance with this obligation, the borrower, that is, the person who issues the bonds, must, within the specified period, return the full value of the bond and the interest for the use of funds to the lender. Par is the value of the bond. Coupon income - interest for the use of funds.
In other words, coupon yield is the regular payment of interest to the person who bought the bond. A coupon is a percentage of the face value. Usually coupon payments are made every six months. They can also be produced monthly, quarterly, annually. On the day of maturity, the owner is paid an amount equal to the par value of his bonds. The last coupon is also paid.
Principle of operation
The easiest way to see how bonds work is with a specific example.
An acquaintance came to one person and asked for a loan of 70,000 rubles. He promises to return the money in a year. To thank for the help, he undertakes to return not 70,000, but 90,000 rubles. The person agrees to provide a friend financial support and fixes the agreement in the form of a receipt. This receipt indicates that an acquaintance will give the borrowed 90,000 rubles. on a certain date. So, a person takes a receipt, and an acquaintance receives a sum of money.
The bond is the very same receipt. The concluded deal is the placement of a bond. The face value of the bond is 90,000 rubles, that is, this is the amount that the friend undertakes to return. The refund date is the maturity date. The issued amount in the amount of 70,000 rubles. is the placement price of the security. The income will be the difference between 90,000 and 70,000, that is, 20,000 rubles. Based on this example, the bonds purchased are zero coupon or discount bonds.
You can slightly change the conditions of the example. An acquaintance asks for 70,000 rubles from a person and undertakes to return the same amount in a year. However, as a reward for using the funds, an acquaintance agrees to pay 1,500 rubles every three months. That is, a person will receive 1,500 rubles. in three, six, nine months, and in a year an acquaintance will return 70,000 rubles. and will make the last payment of 1500 rubles. This payment in the amount of 1500 rubles. and will be a coupon yield.
Why buy bonds
Bonds are the closest alternative to bank deposits. However, they give their owner more profit than a bank deposit. This is a guaranteed regular income, in addition, the owner can sell his bonds at any time, and most importantly, without losing the accumulated interest.
What bonds can be bought at Sberbank
1. OFZ-N. These are securities intended for the public. The simplest option, which does not require deep special knowledge of the stock market.
2. Investment bonds. They are average risk, they can bring up to 12, 5% per annum.
3. Exchange-traded structured bonds. They are also medium-risk, bring up to 12% per annum.
4. Corporate bonds. They can only be purchased through an individual investment or brokerage account. Able to bring up to 9, 25% of income.
5. Mutual funds. There are several of them, and they are divided into 3 categories according to the degree of risk. The profitability for 3 years varies from 28.58% to 44.48%.
How to buy bonds at Sberbank Online
1. First you need to go to the Sberbank Online personal account.
2. On the top tabbed bar, select "Other" and then "Brokerage".
3. The button "Open a brokerage account" will appear on the screen, click on it.
4. Then you will need to select the one of interest from the list of the investment market.
5. It is necessary to indicate the tariff plan, as a rule, it is better for beginners to choose "Investment".
6. Then specify the account for withdrawing the earned money. It can be a bank card or a deposit.
7. The program will ask for consent to the processing of personal data. To continue, you need to check the box next to the "I agree" line.
8. Next, you need to agree or refuse the opportunity to use borrowed funds. Such a service will allow you to make an operation that exceeds the cost of the available funds.
9. Then they answer the question about opening an individual investment account. Agree or prohibit.
10. Then the purpose for which the brokerage account is opened is indicated. Usually this is earning additional income and preserving capital.
11. This will be followed by questions about the user's personal data. Somewhere it is necessary to answer, somewhere to check the data.
12. Then the e-mail address is indicated, the phone number is confirmed.
13. Then consent is given to conclude a contract, the application is sent for processing. Within two days, a notification of the bank's decision will be sent to the specified phone number. If the answer is yes, the user will receive a login and a one-time password, which must be entered when entering their personal account.
If you go through the mobile application, you must select "Investments", then click "Open". Then follow the instructions in the application.
Bond value
As a rule, bonds worth 1,000 rubles are on sale. However, there are exceptions, and you can buy securities worth 200, 500 or 1500 rubles. But, as a rule, these papers are unpopular.
Bond yield
The yield on a bond is the amount of interest income that an investor receives when buying a security.
Today Sberbank offers bonds with the following yield per year:
1. Sberbank-001-04R, yield value - 4, 9045.
2. Sberbank-001-78R-bso, profitability - 4, 7618
3. Sberbank-001-12R, profitability - 4, 8823
4. Sberbank-001-06R, profitability - 5, 2638
5. Sberbank-001-16R, the amount of profitability - 5, 2798.
Advantages and disadvantages
The advantages of investing in bonds include the following:
1. The size of the yield. The return on investment in bonds is roughly between the return on bank deposits and the purchase of stocks. It is higher than interest on bank deposits, but less than earnings on shares.
2. Guaranteed receipt of a stable income. The value of shares can either rise or fall, and as a result of the purchase of bonds, the investor will receive a certain amount of profit.
3. Low cost, the rate of return does not depend on the amount invested, unlike a bank deposit.
4. The accrued interest is retained. At any time, the investor can sell bonds and receive all the income due to him.
5. Wide variety of bond options.
6. Comparative ease of buying and selling.
7. The ability to increase your own income without risk.
However, there are also some disadvantages:
1. No money back guarantee. If bank deposits are insured by the state, then a slightly different situation arises with securities. When the issuer, that is, the person who issues the bonds, has problems, the bondholders have the first priority to receive a refund. This also includes the lost profit. Accordingly, to avoid such a situation, you should buy bonds of reliable companies.
2. Over time, the value of bonds can increase or decrease. First of all, this can happen due to the unfavorable economic situation in the country. This information is important for those who are going to sell bonds ahead of the maturity date.
In general, it can be concluded that the total number of advantages outweighs the disadvantages of bonds. Therefore, for those who want to increase their income, it makes sense to pay attention to the services of Sberbank in the issue of securities.
Additional recommendations
As an additional recommendation, you can advise to carefully study all types of bonds that Sberbank issues, calculate which, how much and for what amount it will be profitable to purchase. It will not be superfluous to follow the economic situation in the country.
