10 NYHHR PV yyu. YODYCHIDKHBMSHOSHCHK YOCHEUFYGIPOOSCHK UYUEF - LBL LFP TBVPFBEF?

27 NBS 2015

UREGYBMYUFSHCH LPNRBOYY "zhyobn" DBAF RTBLFYUEULIE UPCHEFSHCH P FPN, LBL OBTBVBFSHCHBFSH ABOUT BLGIK TSCHOLE:

1 SOCHBTS 2015 ZPDB X TPUUYSO RPSCHYMBUSH CHPNPTSOPUFSH PFLTSCHCHBFSH YODYCHYDKHBMSHOSHCHE YOCHUFYGYPOOSCHE UYUEFB (yyu) Y UPCHETYBFSH PRETBGYY U GEOOSCHNY VKHNBZBNY, RPMHYUBS OBMPZPCHSHCHE RTEZHETEOGYY. ZhPTNBF yyu HCE PVTEM RPRKHMSTOPUFSH: CHPNPTSOPUFSH PUCHPPVPDYFSH CHUA RTYVSHCHMSh PF RPDPIPDOPZP OBMPZB YMY RPMHYUBFSH PF ZPUHDBTUFCHB DP 52 FSHCHUSYU THVMEK ECESZPDOP RTYCHMELBEF NOPZY AND YUBUFOSCHI YOCHEUFPTPCH.

ChPRTPPUCH P FPN, LBL LFP TBVPFBEF, PDOBLP, OENBMP: YODYCHYDHBMSHOSHOSCHE YOCHEUFYGYPOOSCHE UYUEFB OB OEULPMSHLP NEUSGECH HCE KHUREMY PVTBUFY TBOPPVTBOBOSCHNY NNYZHBNY. UBNSHCHE TBURTPUFTBOOSCHE JOYI NSCH RPRTPUYMY TBCHEOYUBFSH YURPMOYFEMSHOPZP DYTELFPTTB RTEDUFBCHYFEMSHUFCHB bp "zhyobn" H Z. yTLKhFULE lPOUFBOFYOB FAFTYOB.

NIJ 1. "NOE OHTSEO yyu, X NEOS EUFSH VTPLETULYK UYUEF"

lPOUFBOFYO FAFTYO: about PVSCHUOPN VTPLETULPN UYUEFE OBMPZY VHDHF HDETSYCHBFSHUS CHUEZDB, RPMHYUYFSH OBMPZPCHSHCHE MSHZPFSHCH, OBRTYNET, odzhm U BTRMMBFSCH, NPTsOP FPMSHLP PFLTSCHCH yyu. lTPNE FPZP, EUMY VTPLET HDETTSBM U CBU OBMPZ U PVSCHUOPZP VTPLETULPZP UYUEFB, FP RHFEN RTPUFPK RETELMBDLY DEOETSOSCHI UTEDUFCH YMY BTVBVPFBOOPK RTYVSHMY U PVSCHUOPZP VTPLETULPZ P UYUEFB OB yyu ChSCH UNPTSEFE CHETOKHFSH HDETSBOOSCHK VTPLETPN ojm PF PRETBGYK U GEOOSCHNY VKHNBZBNY (OP OE VPMEE 52000 THVMEK H ZPD). eUMMY CHSH YOCHEUFYTHHEFE CH OEDPPGEOOOSCHE VHNBZY, Y CHBY DPIPD ЪB FTY ZPDB UPUFBCHYF 1000% Y VPMEE, FP UP CHUK RTYVSHMY CHSH NPTSEFE FBLTS OE RMBFIFSH OBMPZY, B BYBVTBF SH HER GEMILPN.

NYJ 2. "eUMMY NOE UTPYUOP RPOBDPVSFUS NPY DEOSHZY, SOE UNPZH YI RPMHYUYFSH TBOSHIE FTEI MEF "

lPOUFBOFYO FAFTYO: OECHETOP! ChSch NPTSEFE ChSCHCHEUFY DEOETSOSCHE UTEDUFCHB Ch MAVPK NPNEOF, OILBLYI PZTBOYUEOYK OEF, OP EUMY ChSCH IPFS VSC YUBUFYUOP CHSCHCHPDYFE DEOSHZY U yyu, FP UYUEF BLTSCHCHBEFUUS, B ChS RTY YFP N FETSEFE OBMPZPCHHA MSHZPFKh. FP EUFSH, EUMY CHSH BLTSCHCHBEFE iyu RETCHPZP FIRB (CHCHUEF ABOUT COPUSCH) TBOEE, YUEN YUETEE FTY ZPDB, CH DPMTSOSH VKHDFE CHETOHFSH RTEDPUFBCHMEOOSHCH CHBN UHNNSC CHCHYUEFPCH, OBYUY UMEOOSH OBMPZPCHSHCHN PTZBOPN, REOY Y HRMMBFIFSh OBMPZ U RPMPTSYFEMSHOPZP ZHYOBOUCHPZP TEHMSHFBFB PF PRETBGYK RP UYUEFH. eUMMY BLTSCHCHBEFE yyu CHFPTPZP FIRB (CHSHUEF CH UHNNE DPIPDCH), CHBN OKHTSOP VKhDEF HRMMBFIFSH OBMPZ UP CHUEK RTYVSHCHMY PF PRETBGYK RP UYUEFH.

NIJ 3

lPOUFBOFYO FAFTYO: 13% - YFP NYOINKHN, FP EUFSH ZBTBOFYTPCHBOOBS DPIPDOPUFSH, OP CHSH NPCEFE RPMKHYUBFSH Y DPRPMOIFEMSHOSCHK DPIPD PF YOCHEUFYGYK CH BLGYY, PVMYZBGYY, YOUFTHNEOFSHCH UTPYUOPZP T SCHOLB Y UFTHLFHTOSHCHE RTPDHLFSCH. nPZHF VSHCHFSH Y DTHZYE VPOKHUSHCH, OBRTYNET, LPNRBOYS "zhyobn" OBYUMSEF ½ LMAYUECHPK UVBCHLY gv ABOUT UCHPVPDOSHK PUFBFPL ZHPODPCHPZP Y UTPYuOPZP TSCHOLB.

NYJ 4. "yyu YOFETEUOSCH FPMSHLP TYULPCHBOOSCHN YOCEUFPTBN, B S LPOUECHBFPPT"

lPOUFBOFYO FAFTYO: ABOUT DBOOSCHK NPNEOF OILBLYI PZTBOYUEOOYK ABOUT PCHETIEOYE PRETBGYK RP yyu BLPOPDBFEMSHOP OE RTEDHUNPFTEOOP. th DBCE UBNSCHK LPOUETCBFICHOSCHK YOCHUFPT, RTYPVTEFBAEYK, L RTYNETH, ZPUHDBTUFCHEOOOSCHE PVMYZBGYY ZHEDETBMSHOPZP RBKNB, RPMKHYUYF DPIPD, RTECHSHYBAEYK UVBCHLY RP DERPYF BN. rTYNET: ((52000 THV. (13% OBMPZPCHSHCHK CHSHCHYUEF) + 40000 THV. (10% RP PVMYZBHYSN, CH OBUFPSEE CHTENS)) and 3 ZPDB = 276000 THV. ZBAF ABOUT WEZPDOSYOYK DEOSH 20% ZHAP, UFP, U HYUEFPN OBMPZPCHPZP CHSHCHYUEFB, DBUF DPIPDOPUFSH HCE CH 33%.

NYJ 5

lPOUFBOFYO FAFTYO: h GEMPN, CHETOP. BLPO RPCHPMSEF PDOCHTENEOOP YNEFSH FPMSHLP PDYO yyu ABOUT PDOP ZHYYYYUEULPE MYGP Y CHPURPMSHЪPCHBFSHUS FPMSHLP PDOIN FYRPN CHSHCHYUEFB ABOUT HUNPFTEOYE CHMBDEMSHGB. pDOBLP NPTSOP PFLTSCHFSH UYUEF ABOUT TSEOH, UUEFTH, VTBFB, TPDYFEMEK, DEFEK (EUMY POY UFBTYE 14 MEF), CHSCVTBFSH CHFPTPK FYR UUEFB Y HRTBCHMSFSH CHFPTSCHN yyu RP PZHPTNMEOOOPK DPCHETEO OPUP. hair dryer UBNSCHN CHPNPTSOPUFY BTTBVPFLB TBUYTSAFUS, Y CH LBTSDSHK LPOLTEFOSHCHK NPNEOF NPTsOP CHSHCHVTBFSH, ABOUT LBLPK UYUEF BYUYUMYFSH DEOETSOSCHE UTEDUFCHB.

NIJ 6

lPOUFBOFYO FAFTYO: dB, FFP FBL. chshchyuef RP yyu RPITS OB Chshchyuef b LCHBTFYTH, OP EUFSH UHEEUFCHEOOBS TBOYGB: EUMY CHETOHFSH odzhm U LCHBTFYTSCH NPTsOP FPMSHLP PDYO TB Y NBLUINHN 260,000 THVMEK ; eUMMY YURPMSHЪPCHBFSH UYUEF 10 MEF, FP UHNNB ChPChTBFB NPCEF UPUFBCHYFSH 520 000 THVMEK, B U HYUEFPN ZPFPCSEYIUS YЪNEOEOYK RP HCHEMYYUEOYA UHNNSC CHMPTSEOIK, CHPCHTBF NPTSEF CHSHCHTBUFY EEE VPMSHIE.

NYJ 7. "nBLUYNBMSHOSHCHK CHLMBD - 400 FSHCHUSYU THVMEK CH ZPD - OEVPVIPDYNP CHOEUFY ABOUT yyu UTBYKH RTY PFLTSCHFIY"

lPOUFBOFYO FAFTYO: fP OECHETOPE HFCHETZDEOYE. pFLTSCHFSH UYUEF NPTsOP CH SOCHBTE 2015 ZPDB, B RPRPMOIFSH EZP CH DElbVTE. b NPTsOP CHOPUYFSH UTEDUFCHB YUBUFSNY, LBTsDSCHK NEUSG, CH MAVPN LPMYUEUFCHE, OBRTYNET RP 10,000 THVMEK.

NIJ 8. "ABOUT 100% CHOUEOOOSCHI ABOUT IYU DEOEZ NPTsOP PZHPTNYFSH CHLMBD"

lPOUFBOFYO FAFTYO: ChLMBDSCH NPTsOP PZHPTNMSFSH H TBNLBI yyu OB UYUEFBI DPCHETYFEMSHOPZP HRTBCHMEOYS, OP OKHTSOP RPNOYFSH P FPN, UFP POY OE UFTBIHAFUS ZPUHDBTUFCHPN, RPFPNH YuFP UYUEFB UBTEZYUFTYTPCH BOSCH ABOUT ATYDYYUEULPE MYGP, BOE ABOUT ZHYYYYYUEULPE - PF OEDPVTPUPCHEUFOPZP VBOB BZEOFUFCHP RP UFTBICHBOYA CHLMBDPH CHBU URBUFY OE UNPTSEF.

NYJ 9

lPOUFBOFYO FAFTYO: zPUHDBTUFCHP ZBTBOFYTHEF MYYSH CHCHYUEF OBMPZCH Y RPMKHYUEOOSHCHI RTYVSHCHMEK. uFP LBUBEFUS ZBTBOFYY UPITBOOPUFY DEOEZ ABOUT UYUEFE, FP EUMY POI METSBF CH LBLYI-MYVP BLFYCHBI (BLGYY, PVMYZBGYY), FP LFP FBLPE CE YNHEEUFCHP, LBL LCHBTFYTB, NBY OB, DBYUB, ENMS, YOYLFP OE CHRTBCHE PFPVTBFSH LFP YNHEEUFCHP X ChBU. h UMHYUBE, EUMY DEOETSOSCHE UTEDUFCHB RTPUFP METSBF ABOUT UYUEFE, FP ZBTBOFYY ZPUHDBTUFCHB RPLB OEF, POB PVUHTSDBEFUS UEKYUBU ABOUT ZPUHDBTUFCHEOOPN HTPCHOE Y VHDEF, CHETPSFOP, TBVPFBFSH RP RTYOGYRKH bZEOFUFCHB RP UFTBICHBOYA CHLMBDHR. RP UHFY, DBOOBS ЪBEYFB OHTSOB PF OEDPVTPUPCHEUFOSHCHI NEMLYI VTPLETCH, LPFPTSCHN OYUEZP FETSFSH.

NIZh 10

lPOUFBOFYO FAFTYO: fTY ZPDB UHEEUFCHPCHBOYS YODYCHYDKHBMSHOPZP YOCHEUFYGYPOOPZP UYUEFB OEVPVIPDYNSCH DMS RPMHYUEOYS MSHZPF. sing UYUYFBAFUS U DBFS BLMAYUEOYS DPZCHPTTB ABOUT yu. YuEN TBOSHIE CHSH BLMAYUYFE DPZPCHPT (UYUEF RTY LFPN, OBRPNYOBA, NPTsOP RPRPMOIFSH Y CH LPOGE RETCHPZP ZPDB, UN. RHOLF No. 7), FEN TBOSHIE CHSH RPMHYUFE UCHPA CHCHZPDH. RETCHSHCHNY, LFP CHPURPMShPCHBMUS LFPK CHPNPTSOPUFSHHA Y PFLTSCHM UYUEFB HCE CH RETCHSHCHE TBVPYYE DOY SOCHBTS, VSCHMY UBNY UPFTKHDOILY VTPLETULYI LPNRBOIK, LPFPTSHCHN OE OHTSOP VSCHMP PVYASU OSFSh ChSCHZPDKh PF yyu.

About the site RHVMYLHAFUS NBFETYBMSCH, RTEDPUFBCHMEOOOSCHE BOBMYFYLBNY Y FTEKDETBNY TPUUYKULYI Y OBTHVETSOSCHI YOCHEUFYGYPOOSCHI LPNRBOYK Y VBOLPCH. YI NOOEOYS NPZHF OE UPCHRBDBFSH U NOOEOYEN TEDBLHYY. bChFPTSCH LPNNEOFBTYECHOE VETHF ABOUT UEVS PFCHEFUFCHEOOPUFSH b DEKUFCHYS, RTEDRTYOSFSHCHE ABOUT PUOPCHE DBOOPK YOZHPTNBGYY. at RPSCHMEOYEN OPCHSCHI DBOOSCHI RP TSCHOLKH RPYGYS BCHFPTPCH NPTSEF NEOSFSHUS. rTEDUFBCHMEOOSHCH LPNNEOFBTYY NOOEOYS CHSHTBTSEOSHCH U HUEFPN UYFHBGYY ABOUT NPNEOF CHSHCHIPDB NBFETYBMB. lPNNEOFBTYY OPUSF YULMAYUYFEMSHOP PЪOBLPNYFEMSHOSHCHK IBTBLFET; SING OE SCHMSAFUS RTEMPTSEOYEN YMY UPCHEFPN RP RPLHRLE MYVP RTPDBTSE GEOOSCHI VKhNBZ. uFPYNPUFSH GEOOSCHI VKHNBZ NPTSEF HCHEMYYUYCHBFSHUS Y HNEOSHYBFSHUS, TEEKHMSHFBFSCH YOCHEUFYTPCHBOIS CH RTPYMPN OE PTEDEMSAF DPIPDSCH CH VHDHEEN, ZPUHDBTUFCHP OE ZBTBOFYTHEF DPIPDOPU FSH YOCHEUFYGYK CH GEOOSCHE VKHNBZY.

UFBFHU NYTPCHPZP NBUYFBVB: SHENE ACHEMYT P UPFTHDOYUEUFCHE U NYTPCHCHNY VTEODBNY

rPYENH SHENE ACHEMYT YOFETEUOP UPFTHDOYUBFSH U NYTPCHCHNY ACHEMYTOCHNY VTEODBNY, LBLIE FTEVPCHBOYS OBMBZBEF ABOUT LPNRBOYA FBLPE UPFTHDOYUEUFCHP, Y LBLIE VTEODSH OB YVPMEE RPRHMSTOSHCH X YTLHFSO, TBUULBBMB zBEFE DEMP LPNNETYUEULYK DYTELFPT SHENE ACHEMYT fBFSHSOB RYUBTECHB.

CHBDYN PUFBREOLP, IL "ZHTIDPN JYOBOW": "RyzhShCH - GENERAL CHUE. pFLTSCHCHBEN DMS UEVS BLFHBMSHOSHCHE YOCHEUFYGYPOOSCHE YOUFTHNEOFSHCH"

EUMY ChSCH OPCHYUPL CH YOCHEUFYTPCHBOYY - PDYO YЪ MHYUYI URPUPVPCH OBUBFSH FFPF HCHMELBFEMSHOSHCHK RHFSH BTVBFShCHCHBOYS DEOEZ U CHLMBDB OEVPMSHYPK UHNNSHCH RBECHSHCHE YOCHEUFYGIPOOSCHE ZHPOSHCH.

“x yTLHFULB EUFSH CHUE YBOUSCH UFBFSH MYDETBNY GYZHTPCHYBGYY tPUUYY” - PLUBOB mPVCHB, vBKLBMSHULYK VBOL uVETVBOLB

yTLHFULBS PVMBUFSH CHIPDYF CH DEUSFLH TEZYPOPCH-MYDETPCH, RTPSCHMSAEYI YOFETEU L GYZHTPCCHN UETCHYUBN. uFP DBEF GYZHTCHBS FTBOUZHPTNBGYS TEZYPOH? LBLIE TEYOYS VHDHF OBYVPMEE CHPUFTEVPCHBOSC NHOIGYRBMYFEFBNY? yFY CHPRTPUSCH PVUHDYMY RTEDUFBCHYFEMY NKHOYGYRBMSHOSHCHI PTZBOPCH CHMBUFY, VADTSEFOK UZHETSCH, VYJOEU-UFTHLFHT TEZYPOB PE CHTHENS "GYZHTPCHPZP DOS", PTZBOYBFPTPN LPFPTPZP CHSHCHU FHRIM vBKLBMSHULYK VBOL uVETVBOLB.

DCHB PZHYUB tPUUEMSHIPVBOLB PFLTSCHMYUSH H YTLHFULPK PVMBUFY RPUME TEOPCHBGYY

5 NBTFB 2020 ZPDB DMS TSYFEMEK FKHMHOB Y OYTSOEHDYOUULB PFLTSCHMY DCHETHY PVOCHMEOOSH PZHYUSCH TPUUEMSHIPVBOLB. h FPTTSEUFCHEOOOPK GETENPOYY PFLTSCHFIS RTYOSMY HYBUFYE ZMBCHSCH NHOIGYRBMSHOSHCHI PVTBPCHBOYK, RTEDUFBCHYFEMY CHEDPNUFCH, HRTBCCHMEOYS UEMSHULPZP IPSKUFCHB, REOUYPOOPZP ZHPODB, U PGIBMSHOPK ЪBEYFSCH OBUEMEOIS Y RPUEFOSHCHE CHLMBDYUYLY VBOBL.

Chfv RETECHPDYF UEFSH ABOUT VEEVKHNBTSOHA FEIOPMPZYA

Chfv PYO YЪ RETCHSHI RETECHPDYF CHUA VBOLPCHULHA UEFSH ABOUT VEEVKHNBTSOHA FEIOPMPZYA. GYZHTPCHPK ZHPTNBF RPDRYUBOYS DPLKHNEOPPCH UFBOEF DPUFKhREO LMYEOFBN CH RETCHPN LCHBTFBME 2020 ZPDB ChP CHUEI FPYULBI RTPDBTs - LFP RPTSDLB 1.5 FSH. PZHYUPCH chfv RP CHUEK UFTBOE.

CHYLFPT ZETBEEOLP CHSCZEZ VSH OBRBMNPN URELHMSOPHR RPLBBFEMSHOSHCHN HLTERMEOYEN THVMS

GEOPCHBS ChPKOB ABOUT TSCHOL OEZHFI - UNEMPE Y TYULPCHBOOPE TEYOYE TPUUYKULYI CHMBUFEK. POP, CHNEUFE U FEN, YNEEF YUEFLHA Y SUOKHA MPZYLKH, UYUYFBEF bMELUBODT tbhchbech, THLPCHPDYFEMSH ybg "bMSHRBTY".

Tkhubm PYASCHMSEF PRETBGIPOOSCHE TEEKHMSHFBFSCH YuEFCHETFPZP LCHBTFBMB Y 2019 ZPDB

Tkhubm (FPTZPCHSHCHK LPD ABOUT ZHOLPOZULPK ZHPODPPPK WYTZE 486, ABOUT nPULPCHULPK WYTZE RUAL), PYO YLTHROEKYI CH NYTE RTPYCHPDYFEMEK BMANJOYS, PYASCHMSEF TEAHMSHFBFSCH PRETBGYPOOPK DES FEMSHOPUFY LPNRBOYY CH YuEFCHETFPN LCHBTFBME Y CH 2019 ZPDH.

"LIFBKULBS YZMB". oBULPMSHLP UFTBYEO DMS FHTVIJOEUB ABOUT vBKLBME LPTPOBCHYTKHU

JZHZHELF DPNYOP CHCHCHBMB RYDENYS LPTPOBCHYTHUB ABOUT YTLHFULPN FHTYUFYUEULPN TSCHOLE - LIFBK BLTSCHM ZTBOYGSCH, tPUUYS BRTEFYMB TEZKHMSTOSHCH Y YUBTFETOSCHE BCHYB CURRENT, RTYPUFBOCHYMB CEMEKOPDPTTSOPE UPPVEEOYE, OBYUBMYUSH NBUUPCHSCHE PFNEOSCH FHTCH, USFYE VTPOY H ZPUFYOYGBI yTLHFULB Y ABOUT vBKLBME. CHUS YuETEDB UPVSCHFIK RTPYYPYMB VHLCHBMSHOP ЪB 1.5 OEDEMY. NOPZYE HYBUFOILY FHTYUFYUEULPZP TSCHOLB DP UYI RPT RTEVSCHCHBAF CH OELPFPTPK TBUFETSOOPUFY Y ЪBFTHDOSAFUS PGEOYFSH NBUYFBV RPFESH. CHUE RTJOBAF, UFP OYNOIK UEPO ABOUT vBKLBME RTPCHBMEO. uFP RTPYUIPDYF ABOUT FHTYUFYUEULPN TSCHOLE? rPYUENKh TEZYPOBMSHOSHCHK FHTVIJOEU PLBBMUS FBL HSHCHYN ?.

10 OEPVSHCHUOSCHI WBLFPHR PV bMSHZHB-vBOLE H yTLHFULE

BMSHZHB-vBOL CH yTLHFULE PFRTBDOCHBM 20-MEFOYK AVYMEK. About the RTBDYUOOOPK Chuftauy Churpneo, the Yuzp Chue Chujotmpush, ZPCHPTIMY PFN, Yuen Pfmyuyubefus in Uekyubu, ... th Umhybmy TPL hurpmeyo pereshoshchi nbtyulpzp phrase. uFP-UFP, B HDYCHMSFSH bMSHZHB-vBOL CHUEZDB HNEM! CHUENKH "CHYOPK" PUPVSHK bMSHZHB-ZEO?

LBL RTPIPDYF TEZHPTNB TSCHOLB TSYMShS? uVETVBALL RTCHEM H yTLHFULE "LTHZMSCHK UFPM" U BUFTPCEYLBNY Y RBTMBNEOFBTYSN

"LTKHZMSCHK UFPM", RPCHSEOOOSCHK CHPRTPUBN BLPOPDBFEMSHUFCHB tzh Ch UGET TSYMYEOPZP UFTPAYFEMSHUFCHB, UPUFPSMUS CH yTLHFULE ABOUT RMPEBDLE GEOPTBMSHOPZP PZHYUB vBKLBMSHULPZP Vbol B uWETVBALL. h TBZPCHPTE RTJOSMY HYBUFYE DERHFBFSCH zPUHDBTUFCHEOOOPK DHNSCH - OYLPMBK OYLPMBECH, bMELUBODT SLHVPCHULYK, HRTBCHMSAEIK yTLKHFULYN PFDEMEOYEN uVETVBOLB obfBMYS gBKFMET, THLPCHPDYFEMY 21 LPNRBOYY-ЪBUFTPKEYLB. geoftbmshopk FENPC DYULKHUUY UFBMP PVUHTSDEOYE TEEKHMSHFBFPCH TEZHPTNSCH TSYMShS H tPUUYY Y YURPMOEOYE BUFTPKEYLBNY TEZYPOB FTEVPCHBOYK BLPOPDBFEMSHUFCHB RP YURPMSH PCHBOYA ULTPKH-UYUEPCH.

“NEDRTPIYCHPDUFCHP CH YTLHFULE? GO!” LBL LPNRBOYY "NEDFEIUETCHYU" HDBMPUSH OCHPЪNPTSOPE

CH tPUUY PZHYGYBMSHOP ЪBTEZYUFTYTPCHBOP 5 NYMMMYPOCH DYBVEFYLPCH, ETSEZPDOP YI YUYUMP HCHEMYYUYCHBEFUS ABOUT 10%. ABOUT UBNPN DEME, LFB GYZHTTB VPMSHYE CH DCHB TBBB: NOPZYE RTPUFP OE OBAF P UCHPEN OBVPMECHBOY. pDIO Y UPVUFCHEOOILPCH LPNRBOY "NEDFEIUETCHYU" DBCHOP VPMEO DYBVEFPN Y OBLPN U RTPVMENPK OE RPOBUMSCHYLE. IDES RPUFTPIFSh H yTLHFULE BBCHPD RP RTPY’CHPDUFCHH DYBVEFYUEULYI FEUF-RPMPUPL RPOBYUBMH LBBMBUSH VEHNYEN: NBMP LFP CHETYM, YuFP LFP ChPNPTSOP DEUSH, CH UYV YTY, CHDBMY PF UFPMYUOSCHI NEDYGYOULYI LMBUFETCH. OP CHUE HDBMPUSH. UEZPDOS RTPDHLGYS LPNRBOYY CHPUFTEVPCHBOB HTS Y ABOUT CHOEYOYI TSHCHOLBI. oEDBCHOP "NEDFEIUETCHYU" RTY HYBUFYY GEOFTTB RPDDETTSLY LLURPTFB BLMAYUYM LPOFTBLF U VEMPTHUYEK. pF UFBTFB RTPELFB DP CHSCHIPDB ABOUT LLURPTF RTPYMP CHUEZP OEULPMSHLP MEF. lPOUFBOFYO CHPTPVEK, DYTELFPT RP TBCHYFYA LPNRBOYY "NEDFEIUETCHYU", RTPCHEM LLULKHTUYA RP BCHPDKH Y TBUULBBM zBEFE DEMP, LBL CHUE LFP UFBMP ChPNPTSOSCHN.

Chfv PFLTSCHM PJYU Private Banking Ch yTLHFULE

Chfv Private Banking – FFP UREGYBMYYTPCHBOOPE RPDTBDEMEOYE RP HRTBCHMEOYA LBRYFBMPN Y PVUMHTSYCHBOYA RTENYBMSHOSHCHI LMYEOFCH Y YUMEOPCH YI UENEK. yN DPUFHROSCH LMBUUYYUEULYE VBOLPCHULYE HUMKHZY U MHYUYNY HUMPCHYSNY, YOCHEUFYGYPOOSCHE RTPDHLFSCH, HUMKHZY Family Office - ATYDYUEULPZP Y UPRTCHPTSDEOYE, CHPRTPUSCH OBUMEDPCHBOIS LBRYFBMB , B FBLCE YTPLPK URELFT HUMHZ lifestyle.љ

Tuiv HMHYUYM HUMPCHYS PVUMHTSYCHBOYS LLURPTFETCH Y HYBUFOILPCH chd

TPUUEMSHIPVBOL CHCHEM H DECUFCHIE DCHB OPCHSHI FBTYZHOSHCHI RMBOB: PYO RTEDOBOBBYEO LLURPTFOP PTYEOFYTPCHBOOSCHN LPNRBOISN brl, ChFPTPK - LPNRBOISN, CHEDHAIN CHOEYOYELPNYYUEUL HA DEFEMSHOPUFSH. h TBNLBI FBTYZHOSHCHI RMBOPH VBOL RTEMBZBEF CHSHZPDOSHCHE GEOPCHSHCHE HUMPCHYS ABOUT LPNRMELU HUMHZ RP TBUYUEFOPNH Y DYUFBOHYPOOPNH VBOLPCHULPNH PVUMHTSYCHBOYA (dvp), B FBLTS OB HUMHZY CHBMAFOPZP LPOFTPMS.

Chd - H PDOPN PLOE. pMShZB veureyuobs - P OPCHSHI UETCHYUBI Y HUMHZBI DMS LMYEOFPC-LURPTFETCH

YTLHFULYK VYOEU CHUE BLFYCHOE CHSHIPDYF ABOUT NETSDHOBTPDOSHCHOLY. fPTZPCHSHCHK PVPTPF TBUFEF, B CHNEUFE U OIN TBUFHF Y RPFTEVOPUFY RTEDRTYOYNBFEMEK H LBYEUFCHEOOPN VBOLPCHULPN UPRTCHPTsDEOYY CHOEYOELPOPNYUEULPK DESFEMSHOPUFY. bMShZhB-vBOL - LTHROEKYK YUBUFOSHCHK VBOL UFTBOSHCH - BLFICHOP TBVPFBEF H OBRTBCHMEOYY chd, RTEMBZBS LMYEOFBN Y OCHSHCHE GYZHTPCHSHCHE UETCHYUSCH, Y CHCHZPDOSHCH FBTYZHSHCH, Y LURETFYIKH, Y ChP ЪNPTSOPUFSH TEYIFSH CHUE CHPRTPUSCH CH TETSYNE "EDYOPZP PLOB". rPDTPVOEE PV LFPN TBUULBBMB PMSHZB VEUREYOBS, TEZYPOBMSHOSHCHK HRTBCHMSAEIK bMSHVB-vBOLB H yTLHFULE.

Organizations serving IIS often work on the infrastructure of banks, for example, Sberbank or VTB (the mention of these organizations is not a recommendation to open IIS in them, the choice of such an organization must be approached thoughtfully and seriously - more on that in the following articles)

However, it is correct to call these organizations “brokers”, because the services they provide are not related to banking. The correct name for such an organization is "Brokers".

Difference from banks

We are all used to opening and closing bank accounts. Depositing in a bank seems clear and simple to us. It is not more difficult to open an IIS, and the fact that about half of the adult population Western countries have similar accounts (they call them differently), suggests that this is not only simple, but in many cases necessary.

On an Individual Investment Account (IIA), unlike a bank deposit, you can store not only money, but also rights and obligations fixed in special documents - valuable papers Oh.

This may be, for example, the right to receive interest on a state loan (when it is not the bank that “borrows”, but the state - this is both more profitable and safer), which is enshrined in a document (security) called.

The list of organizations opening and servicing Individual Investment Accounts (IIA) as of 08/01/2016 is as follows:

Item number	Name
1	PJSC Sberbank
2	JSC "FINAM"
3
4	BCS Company LLC
5	ATON LLC
6
7	VTB 24 (PJSC)
8	ALOR + LLC
9	PJSC Promsvyazbank
10	OJSC IC "ZERICH Capital Management"
11	KIT Finance (LLC)
12	Bank GPB (JSC)
13	OJSC IC IT Invest
14	CJSC IFC "Solid"
15	JSC Rosselkhozbank
16	JSC Management Company "Ingosstrakh-Investments"
17	Bank SBRR (LLC)
18	Globex
19	IC "AK BARS Finance"
20	Investment company "DOHOD"
21	OOO IK VITUS
22	IK VELES Capital LLC
23	IK FONTVIEL LLC
24	NETTRADER LLC
25	OOO URALSIB Capital - Financial Services
26	LLC IC "Septem Capital"
27	PJSC JSCB "Svyaz-Bank"
28	PJSC CB "UBRD"

The list is sorted by the number of opened Individual Investment Accounts (the first position in the list is the maximum number open IIS), and each name is a link to the website of a particular broker, to a page dedicated to the opening of an IIS.

Alfa Bank

More precisely, Alfa Capital Management Company, listed in the 6th position in the list, does not actually open IIS for independent management.

IIS, which this organization opens, do not provide for independent actions of a citizen (they offer ready-made solutions and structural products), which we perceive as a definite minus, and from the materials of this site you will find out why.

Which broker to choose

Although the Individual Investment Account tax credit is standardized for the most part, some issues are left to the discretion of brokers. For example, issues of tariffs, minimum down payment on IIS and many other important issues.

Choosing a broker responsibly can be a daunting task, as it can take a long time to visit and study the websites of all the companies on the list.

Currently, we, which will help reduce the procedure for choosing a broker to a few minutes

Broker can be changed

The good news is that during the term of the IIA agreement (3 years), the broker can be changed at own will unilaterally at any time.

This can happen, for example, in a situation where, after some time, an office of a broker appears in our city, whose service conditions seem more attractive to us, but we could not open an IIS in this organization earlier due to the fact that in our city there is an office of this organization was not, and it was inconvenient for us to go to the neighboring region.

The presence of such an important opportunity greatly facilitates the decision-making process for us - if something does not suit the work of the broker where the Individual Investment Account is opened, you can always change it to another from the proposed list without loss.

Successful investment!

To answer the question of where it is better to open an individual investment account (IIA), it is necessary to immediately take into account the totality important factors. Today in Russia there are quite a lot of positively proven companies providing services of this nature.

IIS is in many ways similar to a regular brokerage account. From the name it is clear that it is intended for investing and multiplying your own funds. The main difference from a regular brokerage account is the possibility of obtaining a tax deduction, which significantly increases the profitability of such investments.

The opening of IIS is available to a wide range of people. It is not necessary to have Russian citizenship. The service is available even to non-residents of the Russian Federation. In general, there are two types of IIS:

IIS with tax compensation. The principle of operation is that every year a person compensates 13% of his earnings, provided that such an amount was directed to open an account. Additionally, there are restrictions on the amount of deduction - 400,000 rubles per year. In general, this type of investment account can be replenished by no more than 1 million rubles per year.
IIS with tax exemption. In this case, we are not talking about a tax deduction - the investor refuses to receive it, so as not to pay income tax later. This is a great option for those who frequently reinvest their investments.

It is impossible to choose the type of investment account that is optimal for all people - it all depends on the style of work, the regularity of investments, and the volume of investments. If we are talking about active investors who receive more than 100% profit, then the second option becomes more profitable.

Where can I open an IIS?

A person who has not previously invested own funds, may not know where it is better to apply for the opening of IIS. Similar services are provided today:

brokers;
banks (subject to a license to conduct brokerage activities);
management companies.

For those who have already accumulated a sufficient amount of savings, the Criminal Code is suitable. Due to the presence of their own specialists, the riskiness of investments is significantly reduced, but the investor himself has less freedom. You can turn to brokers even without having money yet - investments can be postponed for later.

Many investors use the services of brokers, and they usually give preference to reliable and trusted companies, such as Otkritie, Finam, Alfa Capital.

How to choose the right broker

Beginners, wishing to start actively investing, are looking for reliable company. They often do not know how to choose a broker to open an IIS. When searching, it is necessary to take into account a set of parameters at once:

Limitation on the amount of the minimum contribution. Here you need to proceed from the amount of funds available to the future investor. If there is very little money to start, then it is pointless to go to companies where the contributions are a round sum.
Account opening options. It is good if the broker allows you to do this online without leaving your home. If such a service is not provided by a particular company, and there is no office in the desired city, then opening an IIS will not work here.
The amount of the commission and the presence of additional payments. Usually brokers with minimum commissions. It is taken from circulation. Additionally, the client is charged a monthly fixed fee. Having approximate investment amounts, you can always calculate which broker will be less expensive.
Service level. For beginners, it is especially important that the broker helps him solve the difficulties that arise. That's why technical support should not only be friendly, but also savvy in investment matters. From this point of view, BCS stands out among all brokers - the service here is very fast and high-quality, and the employees are fluent in terminology and understand investment strategies.
Terms and products. It all depends on the policy of a particular broker. Some of them offer more favorable conditions for small investors, while others try to attract large investors by offering them discounts and various bonuses. Large well-known brokers are more inclined towards the second strategy, that's just minimum limits to obtain privileges they have different ones (somewhere it is 50,000 rubles, and somewhere 300,000 rubles).
Market accessibility. If the broker is maximally open, then it has no restrictions. There are also companies that do not work with certain types of markets, that is, an investor will not be able to invest in them.

When comparing brokers, it is necessary to take into account the opinion of their clients. A large number of positive feedback confirms the quality level of service, reliability.

Conditions for opening IIS with brokers

It is better for a novice investor to choose a large and reliable company as a broker. A trusted mentor will help you understand the intricacies of the business.

Finam is one of the largest and most famous brokers. The advantage for a beginner is the opportunity to invest a small amount- from 5,000 rubles. However, to unlock trading operations, you will have to replenish your account up to 30,000 rubles. This amount for beginners is not so big, but it will make you feel like an investor. Among the advantages of the broker can also be noted:

online account opening;
a wide range of actions - work is available on the stock, currency and derivatives markets, as well as trading on the Moscow and St. Petersburg stock exchanges;
the ability to pre-calculate the approximate yield directly on the site using an online calculator (and it also immediately shows what will be more profitable - receiving a deduction or exempting profits from taxes).

The commission from investors with a turnover of less than 1 million rubles is 0.0354%. For the convenience of beginners, an auto-following strategy is also provided, which allows you to earn income by duplicating the actions of experienced market players.

By the way, the broker also has its own management company - Finam Management. You can start investing with it, having 300,000 rubles. Moreover, funds are credited without commission, and the deduction is 10%. Additional feature- account closure ahead of time without fines and penalties.

BCS

BCS is another large and well-known Russian broker. The lower threshold for entering the exchange is 300,000 rubles. Here, the investor also has access to the stock, currency and futures markets, but he will have to trade on the Moscow Exchange, since there is no access to the St. Petersburg Exchange. But you can open an account here without leaving your home.

The broker's commission depends on the volume of turnover. So, for small investors with turnover up to 1 million rubles, it is 0.0354. When this amount is increased, the commission is halved. In any case, a single commission per transaction starts from 35.4 rubles.

For clients who have just opened IIS, in the first 30 days the commission is reduced to 0.0177% - this benefit is part of the strategy to attract clients.

There are two ways for clients: to conduct independent trading (with stocks, OFZs, bonds, currencies, futures and options) or use ready-made BCS solutions (maximum yield varies from 9 to 14% per annum depending on the type of portfolio).

Opening

The main feature of the broker is the absence of minimum restrictions on the amount of investment. Opening an account gives you the opportunity to work on all 3 types of markets. The Moscow exchange is available, but the St. Petersburg exchange is not.

Commissions for IIA for those who invest on their own depend on the type of transactions and investments. Values range from 0.015 to 0.057% by volume. Additionally, a commission of 250 rubles is charged monthly for access to the working platform if the account balance is less than 50,000 rubles.

For beginners who are not versed in investments, but who want to earn money on this, a Model Portfolio is provided. The Discovery also has a management company. For work, you will need at least 50,000 rubles. The commission is 15% of income.

VTB

VTB Group is engaged in a wide range of services, including acting as a broker. Reliability is the main advantage of the company. However, it has a number of serious drawbacks:

can't trade on foreign exchange market, Moscow and St. Petersburg stock exchanges;
you cannot open an account remotely - only visiting the office.

Commissions for account maintenance depend on the turnover - the larger the turnover, the more favorable conditions. For those whose turnover is less than 1 million rubles, the commission is 0.0472%. The minimum is available to persons with a turnover of more than 10 million rubles - 0.02124%.

For beginners, there is a special program with a fixed commission of 0.0413%. Additionally, they can use the autofollow strategy.

When choosing Alfa Capital as a broker, you will have to work through a management company. By the way, this company is the leader in the number of opened IIS. Investors themselves trust her with money (the portfolio in this area is also the largest on the market).

Online account opening is available here. Moreover, you can work with a broker by depositing even 10,000 rubles. The company offers 3 reliable strategies involving OFZ, stocks and corporate bonds. Alfa Capital has been working in this direction for the third year already and shows excellent results.

In terms of costs, the conditions are not the most attractive. But when you consider that investments are managed by reliable market participants who know where to invest money for maximum profitability, then 4% does not seem like much.

Can I change the type of deduction?

What is an Individual Investment Account (IIA)?

Individual investment account - a personal account for internal accounting of funds and securities of an individual who is a client of a broker, bank or management company(trustee). The owner of the IIA is entitled to receive an investment tax deduction, provided that the contract is valid for at least 3 years. The annual amount of enrollment in IIS cannot exceed 1,000,000 rubles.

What types of tax deductions are provided for IIS?

The IIS owner has the right to choose one of two types tax deductions:

The deduction for contributions is presented based on the funds contributed in the calendar year to IIS, but not more than 400,000 rubles. The refund is made from personal income tax withheld at a rate of 13% (except dividends) for the specified taxable period. This means that they will refund you 13% of the amount paid to IIS, but at the same time no more than the tax paid to the budget for this year. This deduction can be received annually if you contribute every year cash on IIS and for the same year you have official income;

The income deduction provides for exemption from payment of personal income tax positive financial result obtained from operations with securities and derivative financial instruments on IIS. The deduction is provided upon closing the IIA after at least 3 years from the date of conclusion of the contract.

Are there any peculiarities when opening and using IIS?

Yes, there are a number of restrictions when opening and using IIS.

IIS can only be opened by an adult natural person who is both a citizen and tax resident RF.
One individual is entitled to have only one IIS.
You can choose the type of deduction throughout the entire term of the contract for the maintenance of IIS. At the same time, it is not allowed to combine two types of deductions on one IIS.

The minimum period of ownership of IIS is 3 years, early closure of the account will result in loss tax incentives. If you have already received a deduction for contributions, then the amounts received will have to be returned with the payment of interest. If you intended to receive a deduction for income, then it will not be provided upon early closure. The maximum period of ownership of IIS is unlimited.
Partial or complete withdrawal of assets leads to the closure of the IIS.
Replenishment of IIS is possible only in Russian rubles for an amount not exceeding 1,000,000 rubles per calendar year under the contract. Only the owner of the IIS can deposit funds from his bank account.

What products on IIS does Otkritie Broker offer? What is the difference between them?

The IIS products offered by Otkritie Broker differ in the way of capital management, asset structure, potential financial result. Clients can choose an investment product on IIS that best suits the target investment period, the level of expected return and risk. So, by choosing "Independent management of IIS", the investor can, at his own discretion, choose instruments and form a portfolio, determine the investment horizon and the risk / return ratio. Trading on recommendations within the Savings IIA, Independent IIA and Profitable IIA products is suitable for investors who do not have a sufficient level of experience or time to invest on their own. Those who are ready to fully entrust the management own capital For professional managers, Otkritie Broker offers a wide range of products: Protective IIS, Stable IIS, Optimal IIS, Balanced IIS, Market IIS, structural products with capital protection.

Learn more about existing financial decisions on IIS, you can in the section "" or by phone: 8 800 500 99 66 (ext. 2).

How do I get a tax deduction on IIS income?

You can receive a tax deduction for income (type "B") at the end of the contract for the maintenance of IIS, but not earlier than 3 years from the date of conclusion of the contract.

This tax deduction can be obtained in one of the following ways:

independently when submitting a 3-NDFL declaration to the tax office after the calendar year when the IIS was closed.
through a broker, subject to the submission of a certificate from the Federal Tax Service Inspectorate prior to the closing of the IIS.

The certificate contains information that the taxpayer did not receive a deduction for the contribution during the term of the contract for the maintenance of IIA and did not have several IIAs at the same time (with the exception of changing a professional participant with the transfer of all assets, in this case, doubling the IIA is possible within a month).

What documents do I need to collect in order to receive a deduction for contributions?

To receive a deduction, you must submit tax authorities at the place of registration, a declaration in the form 3-NDFL, attaching the following documents to it:

1. Certificate in the form 2-NDFL. The document can be obtained from the tax agent (employer, broker). Otkritie Broker clients can order the original 2-NDFL certificate through their personal account - in the "Reports and taxes" section, the "Original documents" tab.

2. Documents confirming the transfer of funds to IIS:

- broker's report. Otkritie Broker clients can order the original report through their personal account - in the "Reports and taxes" section, the "Original documents>" tab.
- payment order. This document can be obtained from the bank from which the money was transferred to the IIS.

3. Application for accession to the regulation. When concluding an IIS agreement, Otkritie Broker clients are given a copy of the application for accession to the regulations. This document confirms that the IIS has been opened. If the document is missing for any reason, the client can contact the broker (by phone, e-mail [email protected] or in person at any of the offices) to receive a scanned copy of the original document. Besides tax inspectors has the right to demand a contract for the maintenance of IIS. Scans of certified documents are posted on the official website of the broker in the "Documents" section.

4. Application for return. IN this document you must specify the details of the personal bank account to which the refund of the amount of personal income tax will be made. When filling out on paper, the application form for 2018 can be taken from Appendix No. 8 of the Order of the Federal Tax Service of Russia dated February 14, 2017 No. ММВ-7-8 / 182@, or in tax office. If the declaration will be submitted through the service " Personal Area taxpayer”, then after the declaration is uploaded to the inspection program, you will have an overpayment, which you can dispose of by filling out a refund application.

How long does it take to file a tax return to receive a tax deduction?

When choosing a deduction for contributions (13% of the amount paid for reporting period for IIA amounts, but not more than the paid personal income tax) the owner of IIA can apply for it as early as next year. To receive a deduction, you must submit a declaration in the form of 3-NDFL and attach supporting documents to it. Please note that each year has its own declaration form.

A declaration for a deduction can be submitted at any time within 3 years following the expired tax period. For example, a declaration for 2018 can be filed in 2019, 2020 or 2021.

How to file a tax return through the "Personal account of the taxpayer"?

After receiving the documents necessary for processing the tax deduction in in electronic format you should enter the taxpayer's personal account on the website of the Federal Tax Service (you can enter through the portal "Gosuslugi").

How to file a paper tax return with the Federal Tax Service?

Detailed step-by-step instruction available at .

How to file a paper tax return with the Federal Tax Service?

We take digital data from the example of filling out a declaration through the "Taxpayer's Personal Account": the total amount of income of an individual was 545,700 rubles. Employer as tax agent withheld personal income tax in the amount of 70,941 rubles. During the tax period, he contributed 400,000 rubles to IIS.

Detailed step-by-step instructions are available at.

My individual investment account is 3 years old. Am I required to close it?

An individual investment account (IIA) is opened for an unlimited period and no documents for prolonging the contract need to be signed. Three years is the minimum period of ownership of IIS, after which it can be closed without losing the right to deduct, maximum term not set - you can continue working on the account and receive deductions. Therefore, if your IIS is three years old, you have the right to close it on any day. However, when opening a new IIS, you will have to keep it again for at least three years so as not to lose the right to deduct.

Before closing an account, carefully consider whether it is really beneficial for you to withdraw funds from the account or change the type of deduction. And our experts will help you with the calculations.

Please note that until you close the IIA, personal income tax is not withheld from your investment profit (except for coupons and dividends), and these funds can be invested profitably. Even when investing on the account in conservative and practically risk-free instruments, such as bonds federal loan, coupled with deductions, you can earn substantial returns. And return with the same contribution deductions in whole or in part the taxes that you paid to the state.

Our “Savings” model portfolio, which consists of OFZs, could bring its owners more than 47% 1 in less than three years, and this without taking into account tax deductions - another 13% 2 .

If you have not received the desired profitability on IIS, do not rush to close positions and the account, especially if a loss has formed on the account. It cannot be carried forward to deferred earnings or balanced against the earnings of a regular brokerage account.

1 For the period from December 30, 2014 to October 31, 2017, at closing prices, the profitability of the “Savings” model portfolio was 47.98%. When making calculations, reference and information and analytical materials prepared by specialists of Otkritie Broker JSC.

2 An individual investment account gives the right to receive up to 52,000 rubles annually, based on the funds contributed to IIA for the calendar year, but not more than the amount of personal income tax paid at a rate of 13% for the corresponding period, or income tax individuals your income received from operations with securities and derivative financial instruments on an individual investment account after at least 3 years from the date of signing the agreement is not taxed.

How long do I have to receive deductions?

With a contribution deduction of 13% of the IIA contribution per year, you have 3 years to make a refund. If you opened an account and deposited money into it in 2018, you can file a declaration for a deduction for the contribution for 2018 in 2019, 2020 or 2021.

With deduction on income - exemption of investment income from personal income tax - you have no time limits if you receive the deduction through a broker.

Can I change the type of deduction?

If during these three years you have already received a deduction for the contribution, unfortunately it is not possible to change it to a deduction for income. Accordingly, you need to close the current IIS and open a new one. If you do not want to close the current IIS, offer to open the IIS to your next of kin, for example, spouse or parents.

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VTB Bank (PJSC) (VTB Bank). General license Bank of Russia No. 1000. License of a professional participant in the securities market for brokerage activities No. 040–06492–100000, issued on March 25, 2003.

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