Trust management (DM) of securities allows individuals to make money on the stock market without participating independently in exchange trading. You trust a professional fund manager to buy stocks, bonds or money. He makes deals in your interests. With proper management, you get income, and the manager gets a fee for services in the form of a commission.
Why investing in securities is relevant
Investing in securities is not very popular among Russians who prefer more reliable ways to make money. But in recent years, neither deposits nor real estate have given high returns. The stock market is another matter.
The stock quotes of companies on the market are constantly changing. If you “catch” the moment of a low price to buy, and then sell at a higher price, you can get a good income. Earnings are also paid by dividends on stocks. Also, investors make a profit on bonds and derivatives (derivatives) of the stock market.
But you need to trade securities with full knowledge of the matter, otherwise you risk losing your investments. It is advisable to study on courses or on your own, and then devote a lot of time to monitor the market situation. Another option is to resort to trust management.
What it is
Securities management implies that professionals handle your "paper" assets. A specialized company or bank acts as a manager. You transfer your securities or money for their purchase on the basis of an agreement, stipulating the terms of management in advance.
The manager cannot guarantee you a predetermined level of income, because the behavior of the stock market cannot be predicted 100%. You can only predict the profitability based on the results for the past periods and taking into account the expectations. However, the manager is interested in making deals for the benefit of the client, because this usually affects his remuneration.
What papers are given to the DU
You can transfer to the manager:
- shares of commercial companies;
- bonds of companies and organizations;
- government bonds.
The DU will not accept:
- promissory notes;
- bank savings certificates;
- checks;
- passbooks;
- title papers.
Classic DU
Such management accepts assets from one person or organization. An investment plan is selected depending on the wishes and tasks of the client. The trustee can offer several standard strategies, and develop an individual one for large clients.
According to the degree of profitability / risk, strategies can be:
- Conservative. They are aimed at saving the investment and obtaining a moderate but stable income.
- Highly profitable. They are able to bring high profits, but they also contain more risks. Their future returns cannot be predicted. In an unfavorable market situation, you can incur losses.
- Moderate. They give a fairly high income with relatively low risks.
An impressive package of papers or a large sum of money must be given to the management. Usually it is required to invest from 5-10 million rubles or even more. For individual strategies, investment volumes are measured in tens of millions of rubles.
Collective trust management
This type of remote control implies that the manager collects money from many clients in a "common pot" at once. The accumulated funds are used to purchase securities. For this, standardized products are used - mutual funds and general funds of bank management.
Each fund operates within its own strategy and set of investment instruments. The client chooses the fund depending on his preferences. Then he buys a share and becomes a shareholder. The initial investment amount is usually measured in tens of thousands of rubles, that is, it is available for most working citizens.
