The social network of traders Comon.ru is an ideal platform for those who are interested in the stock market. Here you can communicate with other traders of completely different levels, from beginners to seasoned investors with solid work experience. The site allows members to communicate, learn and trade at the same time. Comon members have access to all modern communication methods: blogs for keeping their records, chat for exchanging operational information, as well as a system of private messages.

Blogs

Each participant has his own personal blog or personal diary, in which you can share your experience, express thoughts, and draw up your work. Keeping an interesting diary, involving other participants in discussing your entries, will earn you popularity, and at the same time, you will capture your contribution to the life of the project, reflecting your ideas and thoughts about the market.

Communities

Communities are another communication tool for traders on the COMMON network, a traditional element of social networks. They allow you to join clubs of interest, discuss interesting topics. The entire list of all communities, ranked by the total rating of their members, is in the "Communication" section. By tradition, there are open communities here, which anyone can join, and closed ones, which can only be entered with the permission of the moderator.

Chat rooms

You can also chat online. In private chats, you can discuss the current market situation and other issues in real time with your accomplices.

All network users are assessed according to a rating system: the higher the professionalism and activity on the site, the higher the rating. It consists of two parts: constant and deflationary. The first component is accumulated through filling in the data in the profile and involvement in the life of the community: adding an avatar, filling out a questionnaire with personal data, contacts and interests, publishing personal photo albums, blogging, having a real account. The COMMON service makes it possible to connect several real accounts on MICEX, Forex and FORTS to one login. The deflationary component is the part of the rating, which is determined by the current activity of the participant in the social network. In this case, points are added for staying on the site (1 time per day), adding a blog entry, commenting on blogs, evaluating blog posts and photos. However, every day there is a depreciation of the accumulated this component of the rating - it decreases by 0.5%. Thus, users are motivated not to lose their activity on the site.

If you have just started to get interested in the stock market, the system suggests using training trading mode, which allows you to comprehend all the intricacies of working on the stock exchange without risking your money. Despite the fact that transactions on the exchange are "educational", they are performed at market prices. A demo account can be connected to the MICEX or Forex.

Common differs from other professional social networks in that it also has Games, allowing to distract and relieve adrenaline, such a characteristic element of brokerage work that attracts many traders!

Investment holding "Finam" () is a Russian brokerage company with more than 300 thousand clients. The company offers clients access to the world's largest trading platforms, training, trust management, banking and much more. In this article, I will talk about what Finam is today, what advantages and disadvantages the company has, and also traditionally consider the reviews of real Finam customers.

Finam offers a very convenient internet service that allows beginners to buy stocks in a few clicks. If you have never bought stocks and do not know how to do it, then the button below is for you.
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Finam history

I have been running this blog for over 6 years. All this time, I regularly publish reports on the results of my investments. Now the public investment portfolio is more than 1,000,000 rubles.

Especially for the readers, I have developed the Lazy Investor Course, in which I showed you step by step how to organize your personal finances and effectively invest your savings in dozens of assets. I recommend that every reader go through at least the first week of training (it's free).

Of course, this list of interesting opportunities for Finam's clients is not limited, but it is already clear from it why the company is popular not only in Russia, but also abroad. For Russian traders, from June 1, 2016, a unique service "Single Trading Account" is offered. It is provided by Just2Trade Online LTD. The essence of the service is that a trader can work in international financial markets from his ruble account with Finam. More than 10 thousand instruments are available within this service. It is also important to note that Finam is the first broker to receive.

Whotrades service

The Finam website is a whole Internet republic. There are so many information flows and thematic sections woven together here that it is difficult to understand at first. Navigation is implemented as a horizontal menu in the site header. The transitions between sections practically do not require going back, which saves time. The Whotrades portal for communication of traders deserves special attention, which can be accessed from the main page of Finam. Here you can blog and publish forecasts. Links to the most popular authors and forecasters are displayed on the main page of the portal.

A personal account is a kind of control panel for all available resources. From here, you can not only edit your blog, but also open an account and gain access to global trading floors, take part in online conferences and webinars. The portal was created on the basis of the Cypriot brokerage company Whotrades LTD (existed since 2006), therefore the social network for traders, news feed and trading are integrated with many horizontal links.

At the moment, trading is carried out through another broker Just2Trade Online LTD, registered in 2015. It is also a Cypriot company. This means that traders have access to any instruments traded on world markets. A trading account (in rubles, US dollars or euros) can be opened either directly through Just2Trade Online or with the Finam investment company. The maximum leverage for the stock market is 50 (which is a lot), and for the Forex market - 500. It is theoretically possible to pay dividends from the acquired shares (highlighted as a great advantage), but only in the case of delivery of the asset. This means that the client receives an extract from the depository, according to which he is the owner of the shares. However, delivery of the asset requires a transaction in the amount of USD 50,000 or more. In the case of smaller amounts, the asset is not delivered and the shares are traded virtually: profits and losses depend on the current quotes, but the trader does not have the shares themselves.

Tariffs and software

The variety of software that FINAM's clients work with is daunting at first. There is a huge selection of both trading terminals and programs for technical analysis. Even a simple listing of all titles, versions and additions is problematic, so we will only indicate the main ones.

The strong point of FINAM is the “Single Account” service. This means that clients from one brokerage account can make transactions with all instruments of the Moscow Exchange, as well as the NYSE and NASDAQ exchanges. In this case, the minimum entry threshold will be 30 thousand rubles. Unlike trading on separate accounts for each market, there is no need to convert between rubles and dollars, and the amount of collateral for transactions is significantly reduced: securities of the American market, instruments of the derivatives and foreign exchange markets can act as collateral for the Russian stock market.

Single Account Tariffs

Only for holders of the "Single Account" there is a special offer - a "Broker +" credit card with a rate of 12.75% per annum.

FreeTrade service

When trading on the Moscow Exchange from mobile devices through the FinamTrade terminal, you do not have to pay any commission on transactions at all. Only the depositary services will remain paid (177 rubles / month). To do this, you should use the FreeTrade service. The account is opened exclusively online. The minimum deposit amount is 30 thousand rubles. If you deposit it through the cashier of the FINAM bank, the transfer fee is not charged, and when replenishing through another bank - according to the tariffs in force in it. You can also deposit money using a payment card, in this case 1% of the amount will be charged for the transfer. In addition to the instruments of the Moscow Exchange, the service offers instruments of the NYSE and NASDAQ exchanges, but not free of charge, but according to the usual current tariffs. The main disadvantages of FreeTrade:

• Only new FINAM clients can connect it;
• FreeTrade cannot be used to trade with IIS.

Service Comon (Comon.ru) from Finam

An interesting service has been implemented within the Comon.ru service - it is a system for automatic repetition of transactions. You can get acquainted with the lists of the most successful traders in the stock and derivatives markets, with brief descriptions of their trading strategies, with statistics of profitability, as well as subscribe to trading signals and automatic repetition of transactions. In the "Online deals" news column, messages appear in real time about which deals have been opened by signal provider traders. Popular strategies are actively discussed by subscribers. Thanks to this, Comon, like Whotrades, is positioned as a social network for traders. As in any service, the choice of strategy plays a key role, the dynamics of the Comon index confirms this.

Finam trust management services

The management company "Finam Management" offers trust management services. There are two packages: Lite and Premium. They differ in the minimum investment amount. Within both packages, you can choose one of the strategies. Of course, the details of the strategies were not disclosed, but the choice may be influenced by such parameters as profitability, risk level, manager's remuneration, as well as the minimum amount. In addition, a separate list offers copyright strategies from experienced managers. All strategies can be grouped according to the degree of risk: conservative, moderate and aggressive. This distribution helps to navigate among the variety of conditions offered. Another tool for increasing the visibility of information is the color highlighting of tools. For example, blue chips are highlighted in light blue, while derivatives are highlighted in red. This allows you to see at a glance which instruments the strategy works with.

As part of the "Light" package, the minimum investment amount ranges between 300 and 700 thousand rubles, and depends on the strategy. The "Premium" package is designed for more serious investors and is available starting from amounts of 1 million rubles. The manager's remuneration is also different and varies in the range of 10-20% of the annual income. As for the instruments in which funds are invested, their selection is very diverse. These are Russian and Russian stocks, commodity and stock indices, futures and currencies. Recently, there has been a tendency towards an increase in the share of foreign assets that behave more technically and predictably than Russian ones. A very popular instrument is the dollar-ruble pair due to its volatility and good technicality. The Trade Center section allows you to study in detail the profitability of each strategy. In terms of site navigation, this section is organized as part of the previously described Comon. You can see what tools different trust management strategies work with.

Accordingly, if the investor prefers not trust management, but independent work, he can use any strategy using the service of copying transactions. This is how the universal concept of "Finam" works: the one in the particular and the simple in the complex. Any portfolio of information and financial services can be constructed using the same modular principle as from “cubes”.

Investment package "Investa"

For investors who are not ready or do not have time to manage their assets on their own, Finam JSC and the insurance company AlfaStrakhovanie-Life LLC offer the Investa All Inclusive service package. This is a comprehensive solution that includes a set of investment strategies "multisale" and endowment life insurance. Specific strategy details are selected based on the client's risk profile. The insurance part of the package guarantees 100% safety of the invested amount, as well as social tax deduction. This is the return of personal income tax from transactions in the amount of the amount of insurance premiums paid for the same calendar year. The insurance program is valid for 5 years. Contributions can vary from 25 to 900 thousand rubles. in year. The "Investa" package can be connected for capital management on the IMS, which allows you to increase the return on investment. The set of strategies "multicast" has 3 levels of risk:

• Conservative investor;
• Optimal balance;
• Great opportunities.

According to the broker, the profitability on IMS in 2018, even at a conservative level, was 18%, and at a risky one - almost 48%. To connect the package, the client simultaneously concludes contracts with both companies participating in it.

IIS in Finam

An individual investment account allows you to receive an annual income according to one of 4 management strategies. The non-risky passive strategy assumes an income of 5.25% per annum (half of the refinancing rate of the Central Bank of the Russian Federation, which is currently 11%), and an aggressive one - 50% per annum with increased risk. The maximum investment amount and the maximum annual replenishment amount are equal to 400 thousand rubles. Subject to annual replenishment of 400 tr. profitability of the passive strategy: in the second year 11.75%, in the third year 9.58%. Investment term - from 3 to 25 years. Taking into account the fact that the investor receives a 13% tax deduction for personal income tax, the real income, even with a passive strategy, is 18.25% per annum for the first year. For the convenience of calculating income under various investment conditions, there is a calculator. You can open the IIS without visiting the office by simply filling out the registration form and sending documents (registration through the State Services portal is also possible). The registration form is here.

Finam Banking Services

Funds for trading in the structures of the Finam holding are credited to the brokerage account in the Finam bank. When opening a brokerage account, a credit card of the "Investment" tariff plan is issued. Its owner has the ability to obtain a loan of up to 6 million rubles. These funds can be used to increase the leverage when making transactions. The rate is 20% per annum. At the same time, the bank also offers standard services for term deposits. Currently available deposits "Maximum +" and "Best". The interest rate depends on the term of the deposit. For the "Maximum +" deposit it is up to 9% per annum in rubles, and for the "Best" deposit up to 9.75% and up to 2% in US dollars.

You can also issue an ordinary payment card with the "Standard" tariff plan. For legal entities, the bank provides settlement and cash services. Services are also offered for savings deposits up to 7.5% per annum in rubles. Of the interesting programs, one can mention the current campaign "Finam is 20 years old". As part of this promotion, those who wish can apply for a card with the Cash back function (the function allows you to return 1% of the cost of purchased goods and services).

It is not known whether the great writers of the past were, and if they were, how active stock market players were. We know about someone that they sinned with cards. There is no doubt that the passion of the stock market conquered some of them. There is a well-known poem by Kipling (yes, he wrote not only in prose), the name of which is translated into Russian as "Commandment". In this work, he [...]

Https://smart-lab.ru/my/Redbull/blog/personal/

Social trading, popular abroad, is not yet widely known in Russia. Nevertheless, it is a technological and at the same time easy way to generate additional income. About what social trading is, what are its advantages and why it deserves more attention of Russian users, the site talked with Alexey Bogdanov, director of the department of trade services and applications of the Finam holding.

What is social trading

Social trading is essentially the same social network that implements a service for connecting experienced traders to strategies. It is enough to connect your account to the chosen strategy, and all transactions will be automatically executed with the client's account. At the same time, the system provides for the ability to change the strategy at any time or disconnect from the automation, returning to the manual mode of operation.

Social trading is based on content generated by users of the service. After examining the data on leading traders, their strategies, deals, successes and failures, the user chooses whom he wants to repeat. This can be done manually, tracking signals and making similar transactions, or automatically. Such a system is a new stage in the development of exchange trading: once traders wrote in chalk on boards and shouted loudly, now they can exchange information online.

How social trading services work

This is exactly how the service, which is being developed by the Finam holding, is arranged. All trader's actions are visible and transparent. In addition, if desired, you can view all the strategies and transactions of the selected investor. This data helps you understand which strategy to try to follow. Having chosen a strategy, the user begins to repeat it, manually or automatically. It is presented on comon.ru, and 450 of them show positive profitability.

Why social trading is good

Social trading has a lot to offer both beginners and experienced traders. For beginners, the main bonus is the opportunity to learn from the professionals. The service provides a large amount of information, including instructions and an archive of transactions, and the trader-leader directly indicates what exactly needs to be done. Thanks to this, experience is accumulated much faster. In addition, using all this information reduces the risk, especially for newbies, and increases the chance of earning income. For the same purpose, the user can split his assets and follow several strategies.

The earnings that can be obtained by trading on the stock exchange are many times higher than the possible income from a regular bank deposit. According to comon.ru, a user who connected to all the strategies of the service would receive an average return for 2015 at the level of 150% per year. Some of the most successful strategies showed even higher returns.

At the same time, the investment process itself is much easier to control than, say, with trust management. You can do this directly in real time: comon.ru allows you to turn off the auto-follow function at any time, if it seems to you that something is going wrong, and turn it on again at any time. No matter how the market situation or the user's plans change, he can instantly change everything that happens to his account. Funds entrusted to the management company are in fact out of the control of the owner.

For experienced investors, social trading provides additional earning opportunities - by connecting his strategy to the service, a trader receives a part of the commission from the broker on transactions made by the strategy's subscribers.

Payouts are calculated based on the net asset value of all subscribers who have included signal repeating. It is important that the online format and round-the-clock availability open the way to exchange trading for traders across the country. There are many talented investors in the regions, and with the help of the Internet they can share their knowledge and earn money from it.

What you need to know when starting to use a social trading service

You need to choose a strategy that you will repeat. To do this, three things need to be analyzed. First, the profitability that a specific strategy offers. Second, how risky it is. And thirdly, is your capital sufficient to fully follow the strategy. The fact is that if the funds are less, then the accuracy of the following is reduced. If the amount is sufficient, the accuracy can reach 99.8%, which means there is a higher chance of repeating the success of the strategy. This chance is also increased by the high speed of execution of the signal from the leader's strategy: it is executed on the follower's account in 200 milliseconds. The situation on the market sometimes changes in a matter of minutes, but with such a reaction rate, it is almost impossible for a trader-leader to make a profitable deal, but those who copy him did not.

The balance of risk and return is an individual matter. Unfortunately, on comon.ru we see the popularity of strategies that promise thousands of percent of income. Yes, if successful, they can indeed generate huge returns, but the risk is that they are extremely volatile. Users, on the other hand, are often impatient and expect profits on the horizon of several weeks. This is another point that needs to be taken into account: when you start following the strategy, be patient, it will take at least several months to evaluate the results, and preferably six months or a year.

The same consideration is useful when choosing your "role model": it is worth paying attention to strategies that have been working for a year or more. In addition, it will be useful to study the information about the author: even if he is new to the service, he may have a successful offline experience behind him. Information about this can be indicated in his profile. And you can also write an open or private message to him and ask him in detail. In this sense, Comon.ru strives for maximum transparency and accessibility of information and offers several technological solutions for this at once.

Prospects for social trading in the Russian market

Social trading has been around since the mid-2000s. The comon.ru service was launched one of the first in the world, in 2007. However, the popularity of social trading platforms abroad and in Russia is incomparable. Thus, the eToro service, in which Sberbank recently invested, has 5 million user traders around the world. In Russia, according to comon.ru, the number of citizens actively trading on financial platforms is estimated at only hundreds of thousands of people. Russians clearly underestimate this way of making money.

In part, the low popularity of social trading is associated with the general level of financial literacy of the population. However, there is reason to believe that the situation is beginning to change. First, the availability of the Internet, and with it the availability of information, is helping to gradually increase financial literacy. Secondly, deposit rates are gradually decreasing, and the level of confidence in banks against the background of the tough policy of the Central Bank, which now and then revokes licenses from credit institutions, too. At the same time, the desire to increase your income with economic instability only grows. In addition, Russians are active users of social networks. According to FOM data as of March 2016, only 17% of Internet users in Russia over 12 years old do not use social networks. Together, the search for new ways of communication, new ways of making money and new information will contribute to the fact that more and more people learn about social trading.

Sberbank's investments in eToro will also contribute to the popularity of this area. True, this service will enter the Russian market only by the end of the year, but the very fact indicates that the Russian financial market is interested in the development of this direction. This is confirmed by the words of German Gref that social trading is the most promising, simple and diversified way to invest.

However, the prospect of growing popularity of eToro itself is hardly good news. The fact is that this service, like many analogues, operates on the Forex market. In other words, it is speculative currency trading. The use of leverage increases not only the potential profitability, but also the risks and rate of losses. Considering what was said above about the financial literacy of Russians, the popularity of such services can turn into disappointment.

Comon.ru is fundamentally different in this: all users' money is placed directly on exchanges and is actually invested in the selected financial instruments. In other words, if something happens to the service, your accounts and assets will remain with you. If the service operates on the Forex market, then the user does not work on the exchange, but with a specific company, and in the event of, say, its bankruptcy, he loses money.

In addition, forex trading in Russia is just beginning to be formalized and regulated. The Ministry of Finance began to discuss the very possibility of such regulation only in 2012. In 2014, a rule appeared on the need to conclude an agreement between a forex dealer and an individual. Since January 1, 2016, companies that do not have the appropriate license cannot operate in the Russian Federation.

5 tips for a beginner trader

If you are thinking about getting into social trading, there are some tips that might come in handy.

1. Usually, the author of the strategy himself recommends the amount with which it will work effectively. Adequacy of funds is an important success factor; if they are not enough, the tracking accuracy will decrease. In general, the experts of the Finam holding believe that the optimal amount for entry is 300,000 rubles, and the minimum is 50,000.
2. Choose 3-5 strategies, and it is desirable that they work in different markets and with different instruments. Comon.ru presents strategies for trading in the stock, derivatives and foreign exchange markets, using different instruments - stocks, currencies, futures. As a result, the failures of one strategy can be compensated for by the income on the other.
3. Be patient, follow the strategy for several months, and preferably six months or a year - it is during this period that the results become visible. It is not uncommon for a user, attracted by high profitability, to see a loss in the first month and turn off. If he had stayed for another six months, he would have received income. A loss for a strategy is normal, it is profit taking. Failure on the horizon of several weeks and even more so several days is not an indicator.
4. Use all the technologies provided by the service. Archives of deals are available on comon.ru, various instructions and training videos are available - study this information. All traders can be contacted and most are readily contacted. You can ask them and you can consult with them, up to the point that the author can recommend whether it is worth now to connect to his strategy or it is better to wait a little. The service has support, which you can also contact with questions. Take advantage of these opportunities.
5. Any user can create a strategy and bring it to the attention of others. However, it is important to remember that the strategy does not become interesting immediately. First, time must pass, which will show that the strategy really gives a result. Secondly, as an author of a strategy, you must be open, get in touch, and competently answer questions. You need to make some effort to “sell” the strategy - to provide information, work with the audience. But it's worth it: the income from the publication of the strategy sometimes exceeds the income from the actual trading.

Finam Holding is one of the largest players in the financial market in Russia: the company has about 319 thousand clients in 40 countries with a total turnover of 124 billion US dollars as of July 2016. In the rating of stock brokers of the Moscow Exchange, Finam JSC takes 4th place in terms of turnover over the last month in Russia - you can see this by following the link http://moex.com/ru/spot/members-rating.aspx :

Although in terms of the number of active clients, the broker is no longer fourth, but third:

The holding includes:

This allows the holding to cover the entire range of financial transactions in the markets of the country and international markets. The history of the company dates back to the 90s, and the abbreviation FINAM originated from the original name of the company (Financial Analyst Moscow). As a holding Finam has been operating since 2002, it has representative offices in almost 100 cities of Russia. The company has all the necessary licenses to carry out brokerage, dealer and depository activities, which can be seen at this link: http://www.finam.ru/about/license ... In this review, I will mainly consider the services that are provided by the brokerage department of the company.

Services and tariffs JSC "Finam" broker

This company provides its clients with access to all world exchanges, providing current quotes. The Finam website has sections for analytics, an archive of quotes, as well as charts, including the "second" and "third" echelons of shares.

• For independent trading of JSC Finam, the broker provides the opportunity to work on the stock, foreign exchange and derivatives markets of Russia, as well as the US stock market.

• For trading with an assistant, the company offers consulting services to clients by company specialists who are personally attached to an independently trading client and jointly develop a trading strategy.

• Automatic trading is represented by following strategies in WhoTrades and trading on auto-following according to the most effective Comon strategies.

• Opening a single account allows investors from one account to perform trading operations on all markets of the Moscow Exchange, as well as on the American NYSE and NASDAQ platforms.

Company tariffs for clients of the Single Account ( https://www.finam.ru/products/tariffs ):

• stock section of the Moscow Exchange from 0.00944% of turnover;

• currency section of the Moscow Exchange from 0.0027% of turnover;

• urgent section of the Moscow Exchange 0.45 rubles. per contract;

• uS stock market from $ 0.0025 per share

At the moment, a single account can be opened both at the above link, and by the link https://www.finam.eu/, where you can choose not one, but four types of a single account through the partner broker Just2Trade Online Ltd .:

Finam JSC does not require visiting the company's office to open an account; an account can be opened remotely. Withdrawal of funds through Finam Bank is made without commission.

Service tariffs are different as there are many tariff plans; at the same time, the tariff plans of the client's account, if the client has several of them, can be very different. Let's take the example of the derivatives market - for example, with the "Standard FORTS" tariff plan, the broker's remuneration is 0.45 rubles. for each derivative financial instrument (PFI), and with a consulting tariff already ten times more - 4.5 rubles. for each derivative. In the currency section, 26 currency pairs are traded - although the broker does not take a commission explicitly, it compensates for this with rather high spreads. By the way, Finam was the first Russian broker to have recently received a forex dealer license from the Central Bank. Below are the tariff plans for the Finam stock market of the Moscow Exchange ( http://www.finam.ru/services/CommissionRates ):

• "Day"

• "Fixed"

• "Test Drive"

• "Consulting"

• "VIP"

• "Sub-broker"

• "Day MBS"

• "Consulting MBS"

• "MBS special"

• "Sub-broker MBS"

The minimum commission for one transaction on the Daytime tariff, which can be opened from 30,000 rubles, is 41.3 rubles, which is not so little. The next tariff is more suitable for large amounts - here the commission will be 3,540 rubles per month plus interest on turnover. The actual maintenance of an account with a broker costs 177 rubles per month for individuals and 354 rubles for legal entities; the same amount is paid for using the depository if any transactions were carried out on the account. The company provides several free trading terminals, including the popular Quik and webQuik, as well as its own product, Finam Trade. In addition, the company has access to the St. Petersburg Stock Exchange, where about 200 foreign shares are currently represented (costs and commissions are lower than those of many American brokers, but the dividend tax is 30%).

Comon service (Comon.ru)

Let's start with a definition. Comon auto-repeat service — it is a service that automatically executes signals in accordance with the strategy chosen by the user. This section presents the stock and derivatives markets; in the latter case, the yield is expected to be several times higher (as are the risks, of course). Trading is carried out in shares and futures on the Russian and American markets - by the way, the size of brokerage commissions for operations on American exchanges for clients was significantly reduced in 2016 and amount to $ 0.0025 per share. The amounts for connecting strategies are very different - there is an entrance for 50,000 rubles, and there are from one million. It is better to check the commissions and detailed conditions for connecting to the strategy with the company's consultants in each specific case.

Despite the fact that the top strategies look attractive, it should be borne in mind that the reality may not be so rosy, and the fees associated with the service will have to be paid in any case. For example, consider several strategies that are currently in the top of last year (TOP 2015):

The author of the strategy invests in shares of the second and third echelons of the Russian stock market and does not use margin leverage; it can be seen that the strategy gave an excellent result in the first quarter of 2015, but then turned into a sideways movement. Consequently, for about a year and a half, investors of this strategy have simply lost on commissions. The disadvantage for the investor is also the low liquidity of the instruments used, especially when using large amounts - i.e. a noticeable difference (spread) between the price of buying and selling an asset, leading to a loss of profitability;

According to this strategy, the author tried to trade with only one instrument - preferred shares of Surgutneftegaz. As you can see, 2015, despite the summer drawdown, ended with an excellent profit of about 140%; however, since the spring of 2016, over a period of about six months, the account was actually drained. The explanation is simple - from November 2008 to early 2016, the shares of Surgutneftegaz grew almost continuously, rising from 5.5 to 46, i.e. more than eight times. However, after the company paid dividends, there was a correction, as a result of which the company's quotes are today at a level slightly above 30. This is a classic example of the danger of leverage and confirmation of the truth that the past profitability does not guarantee the future;

The curve of this strategy looks the most optimal, but there is no description and the risks inherent in the trade cannot be estimated. In general, we can say that the strategy has been well-suited to the market since 2014; however, the market tends to change - its cycles are unpredictable. Moreover, if you look closely, even in this case, since the beginning of 2016, the strategy has brought a small loss. The relative flatness of the curve and the three-year period can be bribing, but cause future losses if the market trend changes. This case is well illustrated by the fourth chart in the derivatives market:

The strategy delivered fantastic returns for the second half of 2015; however, from 2016 to the present, it has dropped by exactly half. This means that those who were tempted by statistics and at the beginning of 2016 became a contributor to the strategy, today faced a drawdown of half the capital (excluding commissions).

Summing up, we can say that, in general, losses in such services are a more natural result than profits, since investors are guided by previous results and more often invest in points not far from a trend reversal. This conclusion (the strategies presented are definitely not the Grail) is also confirmed by the Comon.ru strategy index, which characterizes the average daily profitability of auto-following strategies with active subscribers:

Of course, the above reasoning does not mean that the index will always be below 100%, since trends are quite long-term. But the trend, according to which the profitability will stay below 100% for more than half of the total investment time (in other words, losses will exceed profits), is likely to continue.

Whotrades service

Broker WhoTrades , being an integral part of the Finam company, it is interesting primarily because, in cooperation with Just2Trade, it provides the “Single Trading Account” service, which allows the company's clients to trade instruments from 15 leading world sites on the Transaq MMA trading platform. Besides it, the client is offered three more terminals for trading: TradeX, MMA-Mobile and the fifth MetraTrader. I did a separate review on this broker. The Whotrades service also provides a "Training" section and the ability to copy the results of trading in currencies and commodity assets of successful traders - i.e. is similar to comon.ru described above.

Trust management and IIS at Finam

In addition to the above services, Finam carries out trust management of the client's assets on the exchange or opens individual investment accounts (IIS) for such clients. The company offers two options for trust management: Lite and Premium. In the first case, a wide variety of strategies with a large number of instruments is offered, a number of which are also available on an individual investment account:

The entry threshold is 500,000 rubles, the management fee is 2% of the capital and, if successful, 15% of the investment income. Color coding allows you to see at a glance which instrument the company uses in a given strategy, although the details of trading on it are unlikely to be given to you. Opening an IIS in Finam gives advantages over a trust management agreement (TAC), since interest is charged monthly on the client's free balance on the IMS. This happens as part of the broker's right to use the client's money in his own interests, for which the latter is charged half of the Central Bank's interest rate (today 10.5%).

At the same time, within the framework of the agreement with Finam on the opening of the IIS, the client has access to all sections of the Moscow Exchange and to the section of foreign securities on the exchange in St. Petersburg. As part of the IIS service, the client is offered four strategies of varying degrees of aggressiveness, the yield of which ranges from 5 to 50% per annum with an investment period of 3 to 25 years. In terms of a return of 13% of the deposited amount, even a conservative yield of 5% allows you to count on 18% per annum during the first year - however, then this yield will fall. You can open an account remotely on the website, then send the necessary documents by mail. The current conditions together with the investment calculator can be found at the link: http://www.finam.ru/investor/iis/

The second option of trust management - Premium - also offers a large number of strategies, but it differs by a higher entry threshold (from 1 million rubles) and the fact that strategies cannot be connected to the IIS at the moment. The management fee here is reduced to 0.5%, but the success fee is higher and equal to 20%. I do not think that the increased amount should be considered as an "improved" quality of management with a higher profitability - it is just that the amount may not be enough for some expensive contracts even when using a margin leverage. Graphically, the profitability of trust management strategies is presented through the already mentioned service comon.ru and is located at the link http://www.comon.ru/robot/... As far as I understand, the specified period of 10 years for many strategies is partly related to the test period.

Finam personal account

Through the personal account of Finam, securities are traded, it presents an arsenal of technical analysis tools and the ability to use fundamental signals. In addition, in your personal account there is an opportunity to carry out:

• Transfer and withdrawal of funds

• Transfer of securities

• Change of tariff plan

• Changing the password for access to the trading platform

• Expansion of the list of traded securities

For remote transactions, the client must have an electronic digital signature (EDS), which is required to sign a bank agreement, actions with the deposit and withdrawal of funds, to open a new trading account and other operations.

Finam Bank

I will briefly touch on this side of the company, since the client's funds are credited to a brokerage account with Finam Bank ( http://finambank.ru/). An interesting feature is the issuance of a credit card to the opened account, and the amount on it can reach 6 million rubles - and it is allowed to use it as an additional leverage. For me, this is a broker's way of encouraging the client to take risky actions in which the loss at a distance will outweigh the profit. As a bank at two urgent rates, the client can currently count on a profit of up to 10% per annum in rubles and up to 2% in foreign currency. At the accumulative tariff, the profit is slightly less (about 7.5% per annum). The Bank provides a payment or brokerage card of the FINAM Bank with the Cash Back function (1% of the purchase price is returned), as well as a Visa Platinim credit card.

Service "Online store of shares"

Finam has a new service, the Online Store of Shares, within which a client can buy shares on the Moscow Stock Exchange like any product over the Internet. In other words, there is no need to go to the Finam website - and the button to buy shares "Buy shares online" can be hosted by any site with an investment theme with attendance from 100 people per day. By clicking on this button, the following window will pop up:

Here you can select the type of shares, their number, as well as the payment system for the calculation. Thus, the purchase is quite simple and takes a few minutes, including the time for the authorization procedure with the payment. However, Finam quotes here are not equal to the exchange ones, 1.5% are included in the bank's commissions - and the minimum purchase amount is set at 3,000 rubles. Then the client receives a questionnaire by e-mail, fills it out and sends back with a scan of his passport and TIN number. To work with shares, you need to open a brokerage and depository account within 90 days; purchased shares will be in your account within 5 days from the date of payment for the shares.

What can I say about this service. On the one hand, it popularizes the stock market among the population, and shares of large Russian companies are not the worst option for long-term investment. On the other hand, the referral system is too similar to foreign exchange brokers with PAMM accounts. The broker thus relies on the activity of referrers, so that the shares are bought through him - although the 1.5% commission is several times higher than the commission of the broker itself. If a person is really committed to serious long-term investment, then he will still select a broker for reliability and commissions, and not for similar services, which in my eyes looks “pop” and is unlikely to be able to significantly increase the flow of money into the company. In the end, only the order of the procedure changes (first we buy shares, and then we open an account), but not the procedure itself.

Finam's access to foreign markets

My support question : Hello. Does the company open accounts with the Just2Trade broker (while being a tax agent) and does this provide an opportunity to invest in ETF funds? If so, I would like to know if this requires the investor to qualify and how many ETFs are available for investment.

Answer : Good day! Finam JSC provides access to the American markets under a sub-broker scheme and acts as a tax agent. To access all the instruments on the American exchange, the status of a qualified investor is required, if there is no status, then the number of instruments is limited. The number of ETFs at the moment it is not possible to name the instruments are constantly being added to the trading terminals.