Sberbank deposit individual investment account. Methods for submitting an application for opening an individual investment account and obtaining information about the opening procedure. Tax exemption option

The problem of investing free funds has always been relevant. Today, there are various types of deposit accounts, savings and insurance programs, but in the last few years, a new banking product called .

This concept refers to a special brokerage account intended for individuals, funds from which will flow into the stock market. This variety appeared not too long ago - about two years ago.

Features of working with IIS in Sberbank

Sberbank is one of the few banks that allow individuals to open an individual investment account.

There are quite a lot of features of this product, all of them will have to be taken into account before using this service:

This account will be active for three years after opening;
The minimum investment amount can be absolutely any, but the upper ceiling has been established - it should not exceed 400 thousand per year;
An investment account is subject to special taxes. There are two main taxation schemes: on contributions and on income. In the first case, the client has the right annually in the amount of 13% for all invested funds. The largest amount for which you can receive a tax deduction is 400 thousand rubles. If a similar amount was paid during the current year, then next year when filing a declaration it will be possible to return 52 thousand. This can be done annually, which will allow you to return it over the entire period of the investment. 156 thousand rubles. According to the second scheme, this account is not subject to tax during its entire validity period. This will be most beneficial if the entire amount was immediately deposited into the account and invested in certain assets, which during this period managed to grow significantly;
One person has the right to open several investment accounts at once. However, it should be remembered that the tax office will provide benefits for only one of them;
An individual investment account may cease to be active before the end of the three-year period. In this case, all tax benefits also disappear;
It is prohibited to transfer previously purchased bonds, as well as bonds that belong to another brokerage account, to this account.

If you want to open a deposit with Sberbank, we invite you to familiarize yourself with useful information:.

Two types of deduction: which one to choose?

Obtaining a tax deduction by type A and type B

The first type of tax deduction is most suitable for citizens who have officially confirmed income. To become the owner of the deduction, you will have to go to the tax office with the following package of documents:

Declaration in form 3-NDFL;
Certificates of taxable income received;
Papers confirming the existence of an investment account;
Statement on the need to provide a tax deduction. Here you will immediately need to indicate the details of the current account where the funds will ultimately be received.

To exempt from taxes the profit received from an investment, the broker will need to provide a corresponding certificate from the tax office stating that not a single tax deduction was received for the entire reporting period. This will save 13% of all profits.

An individual investment account with Sberbank (IIS) is not quite a standard brokerage account. Thanks to it, it is possible to manage funds using bonds, stocks, futures, etc. Several benefits options are also available.

Features of opening an individual investment account (IIA)

Opening an IIS in Sberbank provides additional income through transactions on the stock market. In addition to the main ways to earn profit, this account also provides a preferential deduction. This advantage is provided by the state so that private investment more actively replenishes the country's stock market.

Requirements for a client to open an IIS

you must be a current client of Sberbank;
have Russian citizenship and be a taxpayer;

Conditions for an individual investment account with Sberbank:

the contract period is more than 3 years;
You can open only one investment account;
The annual limit for maximum investments is RUB 1,000,000.

During the entire period of validity of the IIS, the client’s income is not subject to taxes. Full settlement with tax authorities is carried out after 3 years after account closure. If it is closed before the end of this period, you cannot take advantage of the benefits provided.

How to register an IIS in Sberbank?

An individual investment account with Sberbank is required to participate in the stock exchange using securities or to carry out brokerage activities. The procedure for opening an IIS in Sberbank involves visiting a bank branch where such services are provided.

Methods for submitting an application for opening an individual investment account and obtaining information about the opening procedure

when contacting the Contact Center;
in (for real clients);
on .

At the time of opening an account at a branch of the organization, you should not only fill out an application, but also fill out a special questionnaire for the future investor.

Sequence of actions when opening an IIS in Sberbank:

clarification of information and familiarization with tariffs for conducting activities using IIS;
bilateral signing of a service agreement;
opening a special account;
assignment of a secret code for identification;
receiving complete information by email: investor code, account number, etc.;
transfer by the investor to the IIS of the contribution required for trading.

After this, you have the opportunity to determine how tax benefits will be applied. There are currently several of them. You can change the method before your account expires. Your final decision must be confirmed after 3 years.
Ways to apply tax benefits:

receiving deductions for contributions;
exemption from tax on income received.

Current benefits on contributions

An individual investment account with Sberbank opens up a profitable opportunity to receive deductions for any contributions made, the amount of which for an annual period should not exceed 400,000 rubles. Application of benefits is possible subject to certain conditions:

availability of confirmed income, from which 13% tax has been paid;
once a year you can apply for a deduction of 13% of the investment amount;
When closing an account after 3 years, a tax on the amount of profit is paid - 13%.

What documents are required to return money through the tax service?

a document confirming income on which 13% tax has been paid (NDFL-2 or a certificate from another type of employer);
pre-filled document 3-NDFL;
application for the use of a deduction, which indicates the account number for payment of funds;
a certificate confirming the transfer of a specific amount to an IIS (can be obtained from Sberbank).

The procedure for contacting the tax office with an existing individual account

You must contact the tax authorities for the past annual period (this may not be complete) before April 30 of the current year.

Thanks to this procedure, it is easy to return 13% of the amount of funds that were deposited into an individual investment account with Sberbank. In case of premature account closure, this 13% must be returned.

Tax exemption option

Another method of obtaining benefits allows you to completely get rid of the tax, but in this case you cannot use deductions for contributions. You do not need to provide proof of income.
You will need to contact an inspector so that he can issue a certificate of non-receipt of deductions for contributions within 3 years. This data must be transferred to a Sberbank representative by the closing date of the IIS. The fact is that Sberbank does not impose a tax on the income received by the investor, since in this case it is a tax agent. If an account is closed prematurely, Sberbank, according to the law, must apply a rate on a positive result.

Tax benefits

As a market participant or broker, you can open an individual investment account with Sberbank, which provides the possibility of preferential taxation. It is better to calculate the income from investments and the amount of contributions made in advance. It is important not to forget that you can first receive deductions on contributions, and return them at the end of the 3-year period and then take advantage of the tax exemption.

Money must work. This golden rule is known to businessmen. Special offers and programs have been developed for investing finances, but some time ago a new banking product appeared, called an individual investment account of Sberbank.

What it is

IIS is a specialized brokerage account that is opened by a client for the opportunity to invest residual capital in the stock market.

Peculiarities

A few features that are useful to know:

The period for which it can be open is 3 years.
There are no restrictions on minimum payments.
The maximum payment is 400,000 rubles per year. This means that if this amount was generated during the year, then the tax deduction for the next year will allow you to return more than 50 thousand rubles annually. Over three years, the total amount will be 156,000 rubles.
The second deduction scheme will allow you to be exempt from taxes for the next three years. This is especially beneficial when depositing an amount and investing it in securities and assets.
Early closure. But what is important here is that this will make it impossible to receive existing benefits from the state.
The benefits provided by the tax office are valid only for one account.
The opening is available to brokerage and management companies. Banks, microfinance organizations and other institutions do not have the right to engage in this type of activity.
It does not imply the possibility of transferring previously purchased shares and assets to another account.

The purpose of creating an IIS

As a banking product, IIS was created with the aim of increasing the education of citizens regarding money and developing the activities of stock markets, attracting the interest of the population. This approach contributed to the overall growth and development of the economic situation. Money could participate in circulation. This offers several benefits:

Income as a tax benefit.
Making a profit from trading on the stock exchange.

The amount of income received exceeds the figures for ordinary deposits.

Conditions

Requirements:

According to the requirement, IIS PJSC Sberbank has the right to open an individual who has Russian citizenship.
One IIS for one individual.
Only money is deposited.
You can top up, but you cannot withdraw part of the amount.
The minimum term is 3 years. The maximum is 5 years.
An additional account is needed to pay for the activities of the management company.
The type of tax deduction is determined at a time; before the money is deposited, it will be impossible to change anything afterwards.

Individual Investment account in Sberbank: Important!

You can apply to open a brokerage account by visiting the nearest Sberbank office that provides such services. More detailed information can be found by calling:

900 - for calls from a mobile phone. Free on the territory of the Russian Federation.
8 800 555 55 50 - for calls from mobile and landline phones. Free on the territory of the Russian Federation.
+7 495 500 55 50 - for calls from anywhere in the world. Payment is charged according to operator tariffs.

Opening

You can manage the amount of money at your own discretion by trading shares and other securities. The bank simply provides a trading platform. There is also the possibility of transferring cash management to a management company.

It can be selected as desired. First, the Sberbank IIS is opened, and then the capital is transferred.

All that is needed:

Contact a branch of a banking institution that offers the service of opening a brokerage account. You can find out more information by calling the support center.
Call one of the offices suggested by the manager and make an appointment. Important: registration takes place several days in advance.
If calling the bank does not suit you, you can go there yourself without an appointment. In this case, you will be asked to open a standard deposit account, which will be needed to open an investment account. Among the documents required for the operation, you will need a passport.

If you are new to trading, after completing the account opening procedure, before replenishing it, you can choose a management company that will manage the capital, thus increasing profits. True, the services incur some costs and payment of a commission for services.

Obtaining a tax deduction of the first type

This option is beneficial to clients whose income can be easily verified with documents. The following package of documentation must be provided to the tax authorities:

Certificate from the place of work.
Documents confirming the contribution to the IIS.
Tax return.
Application for a tax refund for the amount of the contribution. Account details required.

Tax deduction of the second type

It is assumed that profits will be exempt from taxation. The broker needs a certificate stating that you do not receive tax deductions on contributions for the entire period.

If there is no confirmed income, only the second type of deduction is automatically allowed. It will be profitable if the amount received in the end exceeds the initially invested funds.

5 reasons to open an account at a Sberbank branch:

The agreement for permission to manage capital is concluded with the management company, but the bank itself is the shareholder. This allows us to draw a conclusion about the reliability of the proposal.
All a person who does not understand anything about the stock market, but wants to make money on it, needs is to choose a strategy with which to manage capital. The rest is up to the professionals.
Convenient replenishment. You can transfer funds through your Sberbank online personal account, or set up a monthly automatic payment.
An easy-to-use personal account in which all transactions are reflected.
Easy to open. All you need to do is bring your passport with you.

Remote tax refund

Returns can be made without waiting in lines, saving a significant amount of time and effort. To do this, you can use the services of a remote service. Specialists will provide consultation on filling out the declaration and answer any questions you may have. It is also sent over the network.

Sberbank offers the following advantages:

A very profitable opportunity to attend training seminars.
Receive news and review subscriptions.
To receive advice on issues that have arisen, you do not need to visit a bank office. It is possible to resolve the issue over the phone or use email.

Profitability

Choosing the type of tax deduction guarantees a 13% income. But, in order not to lose this interest, the IIS must be open for three years. The average guaranteed earnings are approximately 4% per year. To improve your performance, you need to invest in other investment products, such as stocks.

Among the advantages are:

Investing is available to beginners.
Greater profit compared to other programs.
Receiving income in the form of tax benefits.
People with average incomes can engage in trading.
An opportunity to gain knowledge about stock markets and understand the mechanisms of its operation.

Flaws

The disadvantages include:

Lack of any guarantees from the state.
High risks.
Profitable use is possible only with economic growth.
The reliability of reports on transactions by trust organizations is difficult to verify.

Potential investors are still little familiar with such an investment instrument as IIS, but due to its significant profitability, interest in it has recently been growing.

An individual investment account with Sberbank is a regular brokerage account designed to manage resources using special tools - stocks, bonds, futures.

When opening, the client independently generates profitability by conducting operations on the stock market. But in addition to obvious profit options, there is the possibility of receiving a deduction. These benefits are provided by the state in order to attract investment into the Russian stock market.

Requirements for clients

Opening an IIS is allowed only to a private individual who acts as a citizen (resident), i.e. pays taxes in this state.
For the opening procedure, it is not necessary to be a client of this bank or have other registered products with it.
An individual can open no more than one account for investment.
The term of the service contract is from 3 years.
The maximum investment amount is 400 thousand rubles per year.

During the validity period of an individual investment account in Sberbank, and expert reviews confirm this, taxation is not applied to the investor’s income. All settlements with the Federal Tax Service occur at closing after three years. If you do not use it and close it ahead of schedule, the individual loses his right to the benefit.

Most customer reviews convince us that opening an IIS in Sberbank is a fairly simple procedure

Registration of IIS in Sberbank

Such an investment instrument is necessary for citizens who conduct brokerage activities or participate in games on securities quotes on the stock exchange. To open it, you must first find a branch that provides such services.

This is a profitable investment tool that works for the future.

Design methods

On the institution’s website in the subsection of the list of branches in your city;
From the operator when contacting the Contact Center;
By making a request in Internet banking (for existing clients).

At the branch, a future market participant must write an application for the provision of services and fill out an Investor form.

The main stages of opening an individual investment account with Sberbank:
The specialist prepares a contract form, which is signed by the parties. In advance, you can get a full consultation and a list of the institution’s tariffs regarding conducting activities in the stock market.
The employee opens an account in the name of the applicant.
Assigns a special code with which the Investor is identified.
All information (number, investor code, etc.) is sent by e-mail.
The individual transfers to the balance the contribution necessary for him to participate in the auction.

Having completed all the preliminary operations, you need to select an option for using tax benefits. Today there are two of them, but it is permissible to make a choice of an option before the expiration date. Only by the time of closing in three years, you need to make a final decision:

Receive deductions for contributions.
Receive income tax exemption.

Tax benefits on contributions

Having an individual investment account with Sberbank, the investor has the right to receive deductions for each of his contributions, which is limited to 400 thousand rubles per year. This benefit option can be used under the following conditions:

A private individual receives official income, from which he pays 13% tax (according to the law).
Once a year, the investor applies for a deduction and receives a transfer of 13% of the value of his investment.
When closing an IIS after three years, the investor pays tax on the amount of profit at a rate of 13%.

The main advantage of the investment instrument is significant tax savings

Documents for refunding money through the tax authority

Fill out 3-NDFL.
Personal Income Tax Certificate-2 or another type of document from an employer or other structure confirming the availability of income on which the citizen paid 13%.
Information about the transfer of a certain amount (it is requested from the bank).
Application requesting a deduction. You must enter your account number to receive a refund.

Contacting the Federal Tax Service with a valid IIS

The appeal to the tax authorities takes place over the past year (not even a full year) by April 30 the current period.

Transactions on IIS during the period of its validity are not subject to personal income tax.

The procedure is quite simple and allows you to return 13% of the money contributed to investment operations. But if it is closed earlier than the agreed period (up to 3 years), the person must return the amount previously accrued to him from the budget. The same procedure will need to be completed if, at the end of the period, a decision is made to use the second option of the benefit.

Tax exemption - features

The second method of incentives provides for complete exemption of the investor from tax, but no deductions for contributions are provided. To use this option, proof of your own income is not required.

The procedure involves contacting an inspector and obtaining a certificate from him that the citizen has not applied for or received deductions for contributions for three years. This information must be transferred to the bank employee by the time the IIS is closed. The banking institution acting as a tax agent in this situation does not impose a tax rate on the investor’s income.

If the closure occurs earlier than the period specified in the agreement, the bank applies the rate as required by law.

Preferential taxation

For investors with official income, personal income tax is paid

Thus, acting as a broker or market participant, the client opens an investment account with Sberbank, while receiving the opportunity for preferential taxation. There is no need to rush into making a choice. Usually, the decision is made by comparing their income received from investments with the amount of contributions. It is worth remembering the possibility of first receiving deductions on contributions, and by the end of the 3-year period, if the decision changes, return them back and receive tax exemption.

Conclusion

Investments by individuals in stock markets are a fairly new and promising direction for Russians. Opening an IIS makes this activity more attractive for novice investors, since the state has introduced tax benefits for them.

Invest together with Sberbank and receive the highest quality service and favorable offers.

How many types of earning money have you tried over the past year? One, well, maximum two. As a rule, most of us don’t even think about the fact that profit can be made not only from our regular work, but also from activities on third-party sites. The Internet and all its possibilities immediately come to mind, such as betting, online poker or part-time work. But, besides banal activities, there is also a whole branch of the economy that allows you to earn serious income using financial capital. We are talking about investing your own funds in various financial instruments. In this article we will tell you about Sberbank's brokerage services, what you can invest in and with the help of what programs this is done.

IIS - what is it?

IIS (individual investor account) is a bank account that allows you to use brokerage services and purchase all available financial instruments. The main difference between an IIS and a regular brokerage account is the possibility of receiving a tax deduction in the amount of 13% of the amount of deposited funds.

Conditions for opening an individual investment account:

- currency -Russian ruble;
- maximum contribution amount - 1,000,000 rubles;
- minimum investment period - 3 years;
- without partial withdrawal of funds;
- one IIS per client.

An individual investment account can be opened in two types:

IIS with deduction for contributions: in this type of IIS you can receive a tax deduction of up to 52 thousand rubles from the state. To receive a tax deduction, you must have income taxed at a rate of 13%. Income can be from investments or just a salary. For the amount of the contribution, a personal income tax deduction is provided in the amount of up to 52 thousand rubles (13% of 400,000 rubles.)
IIS with income deduction: This type of IIS allows you not to pay taxes on income received from investment operations during the entire period of validity of the agreement. And after the end of the contract for maintaining an IIS, after three years you will be able to receive a personal income tax deduction for the entire amount of income.

If you close your IIS before three years have passed, your rights to the benefit will be invalidated.

Advantages and disadvantages of IIS

The main advantages of an individual investment account are:

13% income tax refund once a year or after three years, depending on the selected type of IIS;
Ability to carry out transactions with securities, which allows you to receive higher income;
The ability to accumulate funds even after the end of the three-year period.

Disadvantages of IIS:

Investment risk: if you try to make money on various financial instruments without the necessary knowledge, you will most likely only lose the money you save;
Account freezing for three years: When opening an account, you cannot withdraw funds from it for three years, the only option is to terminate the agreement with the bank;
Broker commissions: When opening an investment account and making investments, you will definitely encounter a commission from a broker - an intermediary between you and the exchange markets. The size of the commission depends on the type of transactions made. Sberbank brokerage service tariffs can be found here.

What can you invest in?

The whole investment mechanism is as follows: You collect a certain set of securities into a single portfolio, and then sell or buy these securities depending on the rise or fall in their prices. Sberbank provides access to the Stock Market, Derivatives Market, Over-the-Counter Market and Foreign Exchange Market and allows you to trade various types of securities:

Shares of Russian companies are securities that allow their owner to participate in the management of the company and receive profit in the form of dividends.
Key Features:
- By selling its shares, the company attracts new funds to develop its own business;
- By purchasing shares, the investor becomes a co-owner of the company and claims to receive his part of the profit in the form of dividends;
- Income can be received not only as dividends, but also from the difference in the market value of shares, which tends to change depending on various economic and non-economic factors.
Shares of foreign companies. Sberbank offers its clients trading on the over-the-counter market, where they can purchase shares of the largest international companies, such as Apple, Facebook, Google, etc. The over-the-counter market involves a direct transaction between buyer and seller without the mediation of a broker.
Bonds are securities that oblige a company or government to pay the investor a certain income and interest over a certain period. The investor's income is formed by the amount of accumulated coupon income during the period of holding the bond and the difference between the purchase and sale prices of the bond.
Key Features:
- For the issuing company, bonds are another way to attract additional funds;
- For an investor, bonds are a loan to the issuer, for which he will subsequently receive a reward.
Trading time: 10:00-18:50 Moscow time.
ETFs (Exchanged Traded Fund) - exchange-traded investment funds. By buying an ETF share, you are investing not in a specific enterprise or firm, but in an entire industry. For example, when you buy a share of the FXIT ETF, you are investing in stocks that are part of the US IT sector, which includes companies such as Apple, Microsoft, Visa, etc.
Advantages of ETF:
- Opportunity to invest in foreign markets while remaining in Russia;
- Accessible tools for any investor, even without special knowledge;
- Investments in rubles and foreign currency: the possibility of receiving additional income from the difference in exchange rates;
- Low entry threshold: ETF share price - from 500 rubles;
- Liquid instrument with a transparent structure;
- Minimum standard brokerage commission.
Trading time: 10:00-18:50 Moscow time.
Futures and options. A futures contract is an agreement where one party undertakes to deliver a certain quantity of a commodity, and the other - to pay for it at a pre-agreed price. An option contract is the right to buy or sell an underlying asset (stock, bond, indices, currency, precious metal) at a specified date in the future at a fixed price.
Key Features:
- the client is protected from the risks of unfavorable changes in the price of the underlying asset;
- the opportunity to receive additional income due to the difference between the purchase price and the sale price of the contract.
Trading time: 10:00-18:45 Moscow time. - main session, 19:00-23:50 - evening session.
Eurobonds are corporate or government bonds denominated in different foreign currencies. Sberbank allows you to trade them on the over-the-counter market.
Advantages of Eurobonds:
- Protection against the weakening of the ruble: purchases, sales, and payments occur in foreign currency;
- Fixed reliability: coupon income, suggesting a high potential return with the corresponding risk;
- Reliability: the reliability rating of the issuing companies is confirmed by international rating agencies.
Reception time for orders: 9:30-18:40 Moscow time.

Sberbank also offers for consideration already assembled portfolios of various risk levels:

Portfolios consist of government bonds, investment bonds of Sberbank, mutual funds, ETF shares and shares of Russian and foreign companies.

Trading systems

Sberbank provides access to trading platforms through several types of programs:

Sberbank Investor application

"Sberbank Investor" is a mobile application that provides access to various exchanges, in which it is easy to buy and sell shares and bonds of various Russian companies.Application features:

Trading stocks and bonds on the stock market;
Access to investment ideas from the best Russian analysts;
Monitoring market news and own financial results;
The opportunity to pass the Sberbank test and determine what type of investor you are, etc.

The application is available on two main platforms:
- for iOS;
- for Android.

Konstantin Shulga
Director of Brokerage Business Development
“When creating the application, we thought not only about convenience, but also about security. Information about all investments is protected. And you cannot accidentally buy shares by pressing the wrong button. Trading operations are confirmed by an additional code from an SMS message.
We are confident that with our new service the world of investment will become much closer and more accessible to everyone."

QUIK

QUIK is an online trading system that has a full range of necessary tools for making transactions and in-depth technical analysis of markets and its own activities. It is available both as a separate program on a computer, and as a web version, and as a mobile application for iOS and Android.

Advantages of the QUIK system:

Full access to exchange trading on stock and derivatives markets is provided through certified modules;
QUIK integrates technical analysis systems, databases, archives, expert systems and systems for recording client transactions;
All exchange information and all acceptance of client orders occur online, where minimal delays are possible due to congestion of communication channels.

To prevent access to your investment account from falling into the wrong hands, Sberbank has developed a very complex user authentication system in QUIK. We will consider two action algorithms, the first of which will be two-factor authentication using login and password.

This method will work if, when concluding a brokerage agreement with Sberbank, you chose the method of submitting orders "Using two-factor authentication."

Download the distribution package of the "QUIK" program. You can find it by following the link, download the Sberbank Investor application or go to the website https://webquik.sberbank.ru;
In the form that you will find on the link with the distribution kit, indicate the contract code, mobile phone number and the code from the current picture;
Wait for an SMS message from the bank with a temporary password;
Launch the "QUIK" program or application and in the authorization window enter the contract code and temporary password from SMS;
The program is running and ready to go. When you log in for the first time, the system will prompt you to change the temporary password to a permanent one.

Two-factor authentication is also possible by keys:

Download the "QUIK" distribution and install it.
In addition to the installation file, the archive will also contain the KeyGen key generation program. Run it and generate public (pubring.txk) and secret (secring.txk) keys;
In the form provided at the link, you need to upload the public key that you generated earlier. In the form, indicate the contract code and E-mail exactly as it was done in the contract. The key registration time should be no more than ten minutes.
Launch the "QUIK" program and enter the username and password you specified when generating the keys;
Enter one-time SMS password. The program is running and ready to go.

How to open an individual investment account?

An IIS can only be opened by an individual - a tax resident of the Russian Federation, who is a new or existing client who has entered into an agreement for brokerage services.

Submit an application to open a brokerage account using the link or contact the nearest Sberbank office that provides brokerage services to the public. These offices can be reached at the following numbers:
- 900 - for calls from mobile phones. Free on the territory of the Russian Federation.
- 8-800-555-55-50 - for calls from mobile and landline phones. Free on the territory of the Russian Federation.
- +7-495-500-55-50 - for calls from anywhere in the world. Paid according to your tariff.
A Sberbank branch specialist will prepare an application and investor questionnaire, and you will need to sign them;
Read the terms of payment of expenses and payment of commissions to the bank in the "Tariffs" section;
Transfer funds or securities to your IIS after receiving a notice from the bank.

How to get a tax deduction?

To receive a tax deduction under type A(for contributions), you need to submit the following package of documents to the tax office:

tax return in form 3-NDFL at the end of the tax period;
documents confirming receipt of income taxed at 13% at the end of the tax period;
documents confirming the transfer of funds to the IIS (Article 219.1, clause 3 of the Tax Code of the Russian Federation);
application for tax refund indicating the bank details of the taxpayer.

To receive a tax deduction type B (on income), you must, after three or more years, terminate the contract for maintaining an IIS and provide the broker with a certificate from the tax office stating that he did not take advantage of tax deductions for contributions to the IIS during the life of the account. In this case, the broker will act as a tax agent and will not withhold income tax when disbursing funds.

Review of the individual investment account

Review taken from otzovik.com

Advantages: Possibility to receive income tax refund

Disadvantages: No guarantees, low profitability

“Well, there’s no way to pass up the investment product from Sberbank - an individual investment account. Of course, the return of income tax withheld from wages is very captivating. But not everyone earns money here officially and not everyone has a high official salary. And then there’s the time limit for a tax refund - to receive it, the account must be open for at least 3 years. Okay, let's move on.
When opening an account, a commission of 1% of the amount is charged and then, quarterly, another 0.25%, that is, another 1% annually. Perhaps some will be outraged by this, but this is absolutely normal practice for investment companies, I don’t see anything wrong with that.
Since Sberbank does not yet have an indicative profitability for three years, we can only assume the possible profitability based on the history of the account for the entire previous time - a little more than 2 years. And this yield is up to 60% in rubles for three years, taking into account the income tax refund.
I really didn’t like that these investments were not insured by the DIA. Although, if something happens to Sberbank or to our country, as happened in 1991, then no deposit insurance agency will return anyone’s deposits.
Let's briefly summarize:
Possible income up to 60% in three years;
Profitability in rubles;
The history of this account since 2015;
Early closure is possible, but with a significant reduction in profits;
No cumulative interest;
Lack of guarantees for the safety of funds.
For those who do not know other investment opportunities, it may be worth turning their attention to IIS from Sberbank. Well, what captivates me is the possibility of receiving income for three years up to 80% per annum in foreign currency and, most importantly, with a guarantee of the safety of invested funds.
There are companies that offer something more interesting than Sberbank can offer us, with an account history of up to 10 years. So, before you invest in IIS, first study everything."

We told you all the basic information about the provision of an individual investment account by Sberbank. Below we suggest that you familiarize yourself with the documents on installation and initial training in using the QUIK trading platform.(attachments)