How to open Jes in the ICD - Step-by-step instruction

Since 2015, a new tool for investors has appeared - individual investment accounts. They are created with the support of the state to stimulate the population of investment in securities. IIS suggests enrollment exclusively rubles. Currency, bonds are not suitable for this. When closing one account, you can open a new one. Tax benefits are working on them, so the state returns paid taxes or does not take percentage of trader activities.

The ICD Bank proposes to take advantage of unique algorithms for finding the most profitable assets. Special financial organization service every second is evaluated by various factors, gives topical data on the most revenues assets. Traders can choose shares or bonds with the best data for the amount and timing. The ICD offers a fixed profitability, which is better than bank deposits. Investors get the opportunity to replenish the score, take interest.

How does iis work?

Moscow Credit Bank provides an opportunity to receive income from investments consisting of tax deductions, profits received from OFZ and from investments in securities. Investor can get with passive earnings to 12% per annum and 13% of tax deductions. On average, income is 15% with the complete absence of risks.

Investment revenues depend on the selected strategy. The most popular options proposed by the ICD are based on trust management. Conditions:

• Unlimited investment period;
• Russian ruble as a base currency account;
• The minimum investment amount is 50 thousand rubles, and the maximum - 1 million;
• Three years Investment horizon;
• One individual can open only one IIS.

Choosing a broker, easily can be transferred from one to another. The bank allows you to transfer money to the account to continue to work with different types of assets.

ICB tariffs for iis

When opening the IIS in the ICD, it is proposed to choose one of two strategies. "Moscow Income" and "Moscow Capital". The main differences are in profitability and costs made by income, risks.

"Moscow Income" implies an income of 7% without taking into account the tax deduction. Investments can be done in FIF, currency, stock "Moscow Credit Bank". When using this tariff, the placement for the placement is 1.5%, and the control is 0.5% each quarter.

The second strategy "Moscow Capital" allows to obtain income to 10% per annum. You can make investments in bonds, OFZ, PIF, rubles. Payment is 0.75% for placement and 0.1% for management. In this tariff, the amounts are additionally taken for the termination of the individual investment account. For example, if you terminate the contract with a financial organization during the year, you will additionally need to pay 2% of the amount that is on the account.

There is a tariff plan "MKB online" to provide services in financial markets. The amount of commission is calculated by the percentage of the amount of each actually perfect transaction, is 0.1%. If necessary, processing assignments about the acceptance of the offer fee is equal to 3 thousand rubles for one order.

How to open Jes in the company?

The ICD offers to open an account without a visit to the bank. This will not need to open an account, replenishment and removal of funds. All operations are manufactured using a PC or a mobile phone. At any time, the investor may request a report on paper. In this case, you will have to visit one of the bank offices.

Moscow Credit Bank first proposes to check how the investment account works, making a minimum investment in 1000 rubles. Most bonds have such a nominal.

To open an account:

1. Become a bank client, providing passport data and the name of the Inn.
2. Choose the most suitable tariff.
3. Download a special application.
4. Go through the registration procedure.
5. Get a consultation on how to invest in bonds without replenishing the account.

Additionally, it will be necessary to agree to the processing of personal data and to communicate, agree using an analogue of its own signature. There is also a demo version with which you can easily find the appropriate option for investment, taking into account the timing, amounts, report types.

If you wish to get a consultation, you can find the nearest branch of the bank, visit the office. There will be offered to fill out the application. The latter involves specifying reliable data.

After submitting an application for opening in a mobile bank, the "Investments" section will appear and the account with the status is issued. After activation, the account will come SMS, the brokerage account will become active. Activation in the ICD usually takes about an hour, but sometimes it takes up to three days.

Documents for opening

Among the obligatory documents - Passport and Inn. You may need scan or photo of the first page with the photo and the one where the registration data is indicated. Sometimes it is further requested. It is easier to use the Offers of the ICR to those who have a smartphone, because when online operations will need to enter the phone number.

How to get a tax deduction?

Physical citizens having a "white" salary can count on receiving a tax deduction. To do this, you need to make a declaration of 3-nfdl, provide it with a tax inspectorate. After that, the documentation checks. Maximum compensation is up to 52 thousand rubles per year. It is determined by the fact that it is possible to get a deduction with a limited amount.

Additionally, prepare:

• agreement with the bank;
• 2-NDFL from the place of work;
• an extract from the investment account;
• a copy of the license;
• Application for deduction.

The entire package of documents for obtaining a tax deduction from the ICB is provided until April 30 of the year following the reporting. You can re-apply for the service in 36 months. After opening an investment account.

How to replenish the account?

After opening an individual investment account in the ICD, you just need to transfer money to details. They can be found in the application or learn at the time of the conclusion of the contract in the department. Often, online services, banking application or cashier bank are used to replenish.

How to bring money from your own account?

The Moscow Credit Bank offers several options:

• through a mobile application;
• personally in the office;
• by phone.

If you decide to derive the means earlier than 3 years after the opening of the account, the possibility of obtaining all tax benefits by the state. If they were obtained, they will have to be returned with fines and penalties.

When closing the ICB ICR after 36 months, you can reinvest the tools, bring them to the card or bank account. When reinvesting usually, service conditions do not change.

How can I close it and get money?

1. Before closing, you need to withdraw all means from the account or translate them.
2. After that, the application is written in the name of the broker, indicating its intention and indication of the account data where assets will be displayed.
3. It remains to wait for a response. It usually leaves three days before the month.
4. When the broker receives a statement, he checks through the fact the fact of obtaining tax deductions. In the case of using such benefits, their deduction occurs.
5. The final amount is translated into the account specified in the statement. For such an operation, the personal presence of the investor often requires.