Investment products make it possible to add significant value to your personal contributions.
UniCredit Bank and its partner asset management company TKB Investment Partners (JSC)1 offer a range of mutual funds, that will suit a wide circle of investors. The investment strategies of these funds take into consideration different opportunities for investing your money in Russian financial market depending on the current situation and customer’s preferences.
What to choose?
Mutual funds or deposits?
Investments in mutual funds are totally different from bank deposits that offer only a fixed interest to customers. By purchasing a share in a mutual fund, the shareholder will receive all potential income2 generated by investments, while the asset management company will receive a fixed commission (fee) that depends on the amount of assets under its management. Due to this reason the asset management company is interested in achieving maximum return on your investments.
Open mutual funds have greater marketability, since their shares can be redeemed on any working day. However, in case of early withdrawal of a bank deposit the depositor usually loses its interest income. In case of long-term investments, return on investments in mutual funds can be considerably greater than deposit rates offered by banks or than inflation rate.
Mutual funds or independent investments?
What is the difference between investments in mutual funds and independent investments in the stock market? An investor purchasing a share entrusts its funds to a professional manager as a trustee who is interested in achieving maximum increase of the value of that share. In addition, an asset management company can invest funds on more beneficial terms for its investors, since it has more funds under its management and can reduce costs connected with investments in securities. Furthermore, when you have a limited experience in investment management, investing in mutual funds allows to learn more about the stock market and prepare for independent investment activity.
Advantages of our investment solutions
- Our consultants are always ready to provide professional support on all matters related to private investments.
- Ongoing monitoring of the value of our investments via your personal account at the web-site of TKB Investment Partners.
- Fund’s investment policy is fixed in the fund’s regulations.
- Regular information support for customers.
- A small amount of the initial contribution.
- An opportunity to determine the term of your investments.
- Purchase, exchange or redemption of shares within the shortest period of time stipulated by the Russian law.
- Diversification of investments within the investment strategy.
- Experience and guarantees of the Bank being a member of the financial group UniCredit and having a high security rating.
- Professionalism and experience of a leading international asset management company operating in the Russian market and having a developed risk management system, which enables it to use management strategies with controlled risk level.
1 TKB Investment Partners (JSC) is the legal entity registered under laws of Russian Federation with principal state registration number (ORGN) 1027809213596, holding the license issued by FFMC of Russia to carry out asset management of investment funds, mutual funds and non-state pension funds Nr. 21-000-1-00069 as of June 17, 2002 (validity of license – unlimited), and the license of FFMS of Russia of professional securities market participant to carry out the trust management activity Nr. 040-09042-001000 as of April 11, 2006 (validity of license – unlimited).
2 Return is not guaranteed.
TKB Investment Partners — Premium. Equity Russia
This fund is intended first of all for investors focused on long-term investments that reduce the dependence of results on greater volatility over a short interval of time, which is inherent in shares unlike in any other financial instrument.
The purpose of the investment policy of the Fund — to provide a significant increase in the estimated value of the share at the expense of investment of portfolio securities on the basis of «BestSelection». The selection of stocks held by our own analytical team is based on a thorough analysis of the market from «the bottom up». Basis of this approach is a versatile evaluation of each company of the Russian economy in isolation on a wide range of basic indication. Such approach can identify stocks that can show results higher than the overall market in the long term.
TKB Investment Partners — Bond Russia
This fund enables its investors to get access to investments in bonds issued by the state or by the constituent entities of the Russian Federation or by the leading Russian companies. This fund is intended first of all for investors that value stability and predictability, and are willing to protect their savings from inflation and to have an opportunity of getting a return greater than interest rates offered by banks.
Current income, long-term growth and safety are the Fund’s primary goals. To achieve these goals the Fund invests in high-quality debt securities issued by Russian government as well as by non-government entities with good credit quality.
TKB Investment Partners — Bond Russia USD
Open-ended Bond fund «TKB BNP Paribas — Bond Russia USD» enables its investors to get access to investments in foreign currency bonds issued by the leading Russian and foreign entities with good credit quality. This fund is intended first of all for investors that value stability and predictability, and are willing to protect their savings from inflation and to have an opportunity of getting a return greater than foreign currency deposits interest rates offered by banks.
Current income, long-term growth and safety are the Fund’s primary goals. To achieve these goals the Fund invests in high-quality Eurobonds issued by Russian and foreign entities with good credit quality.
TKB Investment Partners — Balanced Russia
This fund gives its shareholders an opportunity by purchasing shares in this fund to invest in a wide range of stock and debt instruments of the most reliable, stable, attractive and dynamic Russian issuers. This fund is intended first of all for investors seeking for long-term investment opportunities with a balanced ratio of return and volatility of investment portfolio.
The Fund aims at achieving returns that are higher than a current level of yields offered by the bond market and yet carry less risk than an equity investment. To achieve this goal the Fund invests in abroad mixture of stocks and bonds to diversify away individual securities’ volatility and credit risks.
TKB Investment Partners — Fund of Funds Commodity Gold Tracker
Open mutual fund of funds «TKB BNP Paribas — Gold» invests its assets in (ETF) PowerShares DB Gold Fund that reflects the dynamics of prices on gold. The advantage offered by this fund to its investors is an opportunity to invest rubles in a financial instrument, which is created and regulated in accordance with Russian laws and which price correlates to the prices on gold. Gold traditionally has been used to save and accumulate capital, especially during periods of instability.
The Fund invests in the PowerShares DB Gold Fund, which is based on the Deutsche Bank Liquid Commodity Index — Optimum Yield Gold Excess Return. This Index is intended to reflect the performance of gold.
TKB Investment Partners — Equity Global
Open-ended mixed investment fund «TKB Investment Partners – Equity Global» offers an opportunity to invest in a diversified portfolio of shares of undervalued companies from around the world. Selection of equities is based on fundamental quantitative analysis. The fund invests in equities which are underpriced in relation the value implied by the financial results of their issuers. This sets the fund apart from index funds and ETFs, where the weight of outperforming equities grows over time even as these equities become relatively expensive.
Increasing the value of a share by long-term investing in a diversified equity portfolio of undervalued companies from around the world. Selection of equities is based on fundamental quantitative analysis.
Through UniCredit Bank branches
- take your identity document with you and visit any branch of UniCredit Bank selling shares in mutual funds,
- fill in an account opening application and a personal data sheet for purchase of shares in a mutual fund,
- pay the required amount in rubles through a cash desk of UniCredit Bank or by bank transfer (at your discretion).
- fill in an account opening application and a personal data sheet for purchase of shares in a mutual fund at the Bank branch,
- log in to Internet-bank and click Investments in the menu on the top,
- select TKB Investment Partners (JSC),
- fill in all required fields and confirm the transaction by entering the session key,
- the next working day check whether the amount you paid was credited against purchase of shares in the mutual fund.
You can purchase shares in mutual funds through Enter.UniCredit only if you have already purchased shares through a branch of UniCredit Bank and already have a share purchase application number. If you are not a customer of UniCredit Bank, you will have to open a current account with AO UniCredit Bank and sign a General Terms Agreement for Acceptance by AO UniCredit Bank of Bank Deposits from Individuals.
Our employees will be pleased to answer all your questions at branches of our Bank.
You can also get more information at the management company’s office: TKB Investment Partners (JSC), 69-71 Marata Street, lit. A, Saint Petersburg or by calling at 8 800 700-07-08.
Open-end unit investment fund TKB Investment Partners – Bond Russia (Rules of fund trust managing registered by FFMC of Russia Nr. 0081-58233855 as of 12/24/2002); Open-end unit investment fund TKB Investment Partners – Balanced Russia (Rules of fund trust managing registered by FFMC of Russia Nr. 0078-58234010 as of 12/24/2002); Open-end unit investment fund TKB Investment Partners – Equity Global (Rules of fund trust managing registered by FFMC of Russia Nr. 0096-58227323 as of 03/21/2003); Open-end unit investment fund TKB Investment Partners – Premium. Equity Russia (Rules of fund trust managing registered by FFMS of Russia Nr. 0478-75408434 as of 02/28/2006; Open-end unit investment fund TKB Investment Partners – Fund of Funds Commodity Gold Tracker (Rules of fund trust managing registered by FFMS of Russia Nr. 2026-94198244 as of 12/28/2010); Open-end unit investment fund TKB Investment Partners – Bond Russia USD (Rules of fund trust managing registered by FFMS of Russia Nr. 0991-94131990 as of 09/20/2007); Open-end unit investment fund TKB Investment Partners – Balanced Global (Rules of fund trust managing registered by FFMS of Russia Nr. 0219-14281681 as of 06/16/2004).
Information about TKB Investment Partners (JSC) and unit investment funds under management, except closed-end unit investment fund which investment units are limited in circulation, is available on the website http://www.tkbip.ru and at the addresse: 69-71, lit. A, Marata Street, Saint Petersburg, 191119 , Russia, by phone: +7 821 332-7332, fax: +7 812 346-6557, and also from the share issue, retirement and switching agents (to learn the agents’ list please follow the link http://www.tkbip.ru/about_us/contact_us/adresa-prodazh/). Information about closed-end unit investment funds which investment units are limited in circulation is provided in cases stipulated by the Federal Law “On Investment Funds”.
Rules of funds stipulate extra payments and discounts that decrease investment returns. Before buying investment shares you ought to read Rules of funds carefully.