Tinkoff has launched a bond investment service for companies — one of the most popular tools among conservative individual investors. Companies can buy bonds in literally a few clicks directly in their Tinkoff Business personal account — no external trading terminals or payment orders are needed for this.
In the Investments for Business service, bonds are available to Tinkoff Business clients Russian issuers traded on the Moscow Exchange in rubles and yuan — more than 100 issues, including federal loan bonds, municipal and corporate securities.
Advantages of investing in bonds for business:
- diversification of the liquidity portfolio — so as not to keep all the money in one bank or instrument;
- receiving regular income in case of coupon payments;
- formation of a company reserve fund;
- the ability to preserve savings from inflation;
- fixing coupon income rates;
- investment of funds set aside for stage-by-stage settlements with contractors performing long-term contracts;
- the possibility of accumulating funds for the implementation of large investment projects in the future;
- lending secured by securities — this opportunity will appear on the platform in the future;
- the possibility of receiving income higher than bank deposits for some instruments.
For example, some bonds can become a full-fledged alternative to bank deposits — purchasing securities with regular coupon payments can make it possible to lock in long-term returns that exceed deposit rates.
Companies planning to implement long-term infrastructure project, they can invest funds for this period in bonds in order to be able to protect savings from inflation.
Clients can buy bonds in a few clicks immediately after opening a brokerage account in their Tinkoff Business personal account. Companies do not need to install complex trading terminals or submit payment orders on paper.
Opportunities for purchasing bonds on the Tinkoff Investment for Business platform:
- In In your personal account, you can select bonds according to specified parameters: issuer, term, currency, yield — no need to use screeners on other resources.
- Legal entities can invest in securities available to unqualified investors — as a rule, these are issues of the largest Russian issuing companies, OFZs and regional loans.
- Fixed commission for the purchase and sale of bonds, which does not depend on turnover, — 0.5%.
- There are no broker restrictions on the minimum purchase volume — you can purchase even one security.
- The coupon income on bonds is automatically credited to the company’s brokerage account: it can be withdrawn to a bank account account or reinvest on the stock exchange.
- The reporting required for accounting is generated automatically and can be downloaded from your personal account at any time.
Evgeniy Naumov, head of project management at Tinkoff Business:< /b>
“Unlike individuals, purchasing bonds in Russia is available only to a small number of large companies. Brokers set high investment requirements for them, so small companies cannot afford this tool. We continue to democratize the market — we minimize the threshold for entry and simplify the process of investing on the stock exchange for business as much as possible.
We believe that we have chosen the right moment to launch a new product. While the key rate of the Central Bank is rising, bond yields are also increasing. But the market expects the key rate to be lowered in 2024, which means now is the best time to lock in returns for several years—for some securities they are higher than deposit rates.”
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