The study is based on the results of the first year of operation of the Investments for Business platform, with the help of which legal entities gain quick and convenient access to stock market instruments and can earn money on available balances. The total income of companies on the Moscow Exchange investing through Tinkoff for the year exceeded 1 billion rubles.
What exchange instruments did the legal entity use on the investment platform
Exchange overnight with the placement of funds for one day is the most popular investment instrument among companies. Currently, overnight exchange trading accounts for 50% of the total portfolio of Investments for Business clients.
On average, clients place 30–50 million rubles in overnight overnight transactions in rubles, and 2.5 million rubles in yuan. Legal entities invest an average of 70 million rubles in overnight funds for 30 days.
As of the end of March 2024, about 2% of the company's total portfolio is invested in gold. On average, legal entities invest in gold an amount of 4.5 million rubles.
Which companies work with investments on the investment platform
The largest clients of the investment platform were Ile De Beaute, Getcurs, Selectel, Rive Gauche, Nordwind Airlines, Dodo Brands, Invoicebox, 2Mood, Skillbox.
The top 5 industries by the number of open brokerage accounts over the past 12 months include companies that operate in the following areas:
- Wholesale trade.
- Construction of buildings.
- Production of household chemicals and fertilizers.
- Software development.
- Education.
The average age of decision-makers on investment operations in companies is 35–45 years. Of these, 82% are men, 18% are women. At the same time, among women, 43% manage the finances of medium and large businesses.
Portfolios of exchange instruments depending on the size of the legal entity
More than 80% of investor companies are companies with a turnover of 120 to 300 million rubles. in year. At the same time, the most active in portfolio diversification is business with a turnover of RUB 300 million or more. Such companies actively invest in:
- overnights for different periods — 70% of the portfolio of companies in this segment;
- currency on the stock exchange — 15%;
- bonds — 9%;
- precious metals — 6% .
Representatives of businesses with a turnover of 120 to 300 million rubles. prefer to work with exchange one-day overnight instruments — 60% of all exchange instruments in the portfolio. Overnight with longer terms (30, 14 and 7 days) occupy almost 20% of the total portfolio of this segment of companies.
Business with a turnover of 120 to 300 million rubles. further diversifies its portfolio through the purchase of foreign currency (RMB) and precious metals. The share of metals in the client portfolio was almost 10%.
Companies with a turnover of up to 120 million rubles. They prefer to keep more than 20% of their available funds in foreign currency (dollars and yuan). The most popular tool among them is also exchange overnight exchanges for 1 day (60%).
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