What is a UIF, is the UIF yield high and is it personally profitable for you?

Miroslava Mikhalchuk
30.09.2015

What is a UIF, is the UIF yield high and is it personally beneficial to you?

There are many ways to raise capital and make profit. One of them is a mutual investment fund (mutual fund). However, not everyone has a clear idea of ​​what a mutual fund is and why it is needed. Meanwhile, it is extremely important and interesting.

Purpose of mutual funds

A mutual fund can be created without the formation of a legal entity. This is a property complex designed to increase the profitability of shareholders.

Purpose of mutual funds

For those who do not understand what a bang is, you can clarify that by and large this is a combination of the capital of individual investors. Each of them has its own number of shares in the fund. Their number depends on the amount of money invested. PIF-capital is managed by the managing company. The profitability of the fund largely depends on the correctness of its actions and its policies.

Ultimate goal of UIF

This is a profit on the fund's assets. It is distributed among shareholders in proportion to the number of shares. Who has more of them, he gets a larger mutual fund-capital.

The share itself is a registered security. It is designed to certify the rights of the investor to a certain part of the property of the fund and buy it out. Redemption of a share means its redemption. In simple words, the issuance of the amount of funds that corresponds to the share of the unit. All units have equal rights.

The merits of mutual funds

For ordinary citizens who are not experienced in investments, mutual funds have a number of tangible advantages. The most important advantage of such funds is absolute accessibility for people with different income levels. You can become an investor of a bif by investing very small amounts of one thousand rubles. Many people do not know what the piffs are, and they don’t even imagine that they could be their participants and make a profit with even a small start-up capital.

This plus of funds enhances another important advantage - the fact is that the activities of the funds are controlled by the state. This eliminates various fraudulent schemes - unscrupulous managers cannot escape with the money of shareholders.

Yield mutual funds

The yield of mutual funds is quite high due to the fact that their operations in the current mode are not taxed. Here there is a subtlety: as long as the money in the fund, they are not taxed. After the withdrawal of funds it is necessary to pay income tax on profits.Hence the conclusion - the profit grows the more, the longer the units in the fund. Choosing peyphos, the yield rating should be considered first.

Yield mutual funds

The liquidity in this case is also high, which is an important advantage. You can receive money after the redemption of the unit almost instantly - within 1-3 days.

Another plus

For ordinary investors who do not have any knowledge of investment markets, mutual funds are convenient because they have professional management. Accordingly, the shareholder does not need to understand the intricacies of the market, study it and take risks. The main thing - to consider the rating of mutual funds and choose the one that seems reliable and high rating.

System flaws

For shareholders, investing in mutual funds whose profitability rating is not so high carries greater risks than a bank deposit. If the foundation was chosen correctly, taking into account all the nuances, then this disadvantage can be minimized. That is why it is important to know the rating of mutual funds. In addition, we must bear in mind that the state imposes restrictions on the fund’s portfolio.

System flaws

Some disadvantages affecting the final profit include the fact that the management company always receives payments for its services (remuneration).Nor does it matter whether the fund is profitable or not. This affects the profitability of the Pythus and can lead to loss of funds with poor management.

What else should you know about UIF

Management companies introduce various discounts and surcharges. Discounts are kept at the redemption of the share, and surcharges are charged upon receipt of the share. Naturally, this must also be taken into account when calculating the profitability of mutual funds. Such investments are as profitable as crowdfunding.

If the stock markets begin a long fall in prices, the federal service for stock markets has the right to impose restrictions on the activity of pyths. And then the management companies will not be able to lower their assets in full, to transfer money.

Types of Pyths

The mutual funds, the rating of which is completely different, differ from each other in the time of purchase and sale of shares and in the direction of investment. Based on the types of investment, there are funds of bonds, stocks, money market, mixed investments, index and mortgage.

Types of Pyths

Based on the time, they can be open, closed, interval. In open units you can sell and buy daily on weekdays,in closed units, they are sold during the formation of a bif and redeemed when it is closed In the interval, the time of sale and purchase of units is stipulated by the rules of the bif.

How to avoid risks

It is necessary to understand that nobody will give guarantees on receiving high profits. Choosing a fund, it is necessary to take into account the rating and profitability of mutual funds for some time.

In order to protect oneself to some extent, it is worth remembering that integral and closed funds provide more income due to more simple investment planning.

Who benefits?

Trying yourself as an investor is beneficial for those who chronically do not have time to manage their capital or who do not have special knowledge and experience in this area. Still similar funds are beneficial to those who do not have enough funds for large investments.

Having understood what a mutual fund is, investors usually come to the conclusion that investing in such funds is quite profitable and, most importantly, simple.


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  • What is a UIF, is the UIF yield high and is it personally profitable for you?

    What is a UIF, is the UIF yield high and is it personally profitable for you?

    What is a UIF, is the UIF yield high and is it personally profitable for you?

    What is a UIF, is the UIF yield high and is it personally profitable for you?

    What is a UIF, is the UIF yield high and is it personally profitable for you?

    What is a UIF, is the UIF yield high and is it personally profitable for you?

    What is a UIF, is the UIF yield high and is it personally profitable for you?

    What is a UIF, is the UIF yield high and is it personally profitable for you?

    What is a UIF, is the UIF yield high and is it personally profitable for you?

    What is a UIF, is the UIF yield high and is it personally profitable for you?

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