Investkopilk's Tinkoff

2021: Number of users 1 million people

The number of users of the Investment Bank, the Tinkoff microinvestment service, reached 1 million people. The company announced this on April 5, 2021.

An investment bank is a special brokerage account that allows you to regularly set aside small amounts from everyday purchases and automatically invest them in the Eternal Portfolio exchange funds from Tinkoff Capital Management Company.

The volume of the largest piggy bank at the beginning of April 2021 is over 20 million rubles, the average size of the Tinkoff investment bank is 5.6 thousand rubles. Tinkoff's customers open investment banks in three currencies - rubles, dollars and euros. Since the launch of the Investment Bank on June 8, 2020, the return on the Tinkoff Eternal Portfolio RUB Fund, in which funds from ruble Investment Banks are invested, has grown by 10% in rubles, the Tinkoff Eternal Portfolio USD Fund - by 4.8% in dollars, the Tinkoff Eternal Portfolio EUR - by 3.4% in euros.

For the Investment Bank, you can choose four methods of automatic replenishment: cashback, interest on the balance, rounding up regular expenses or setting up your own amount of permanent transfers. The most popular are auto round and cashback translation (connected at 57% of customers). 54% use the transfer of interest to the balance and 14% use regular replenishment.

Rounding from 15 million purchases comes to the Investment Bank every month. Most customers - 48% - round up purchases in increments of 50 rubles, 27% round purchases in increments of 100 rubles. and 25% - in increments of 10 rubles.

Шаблон:Quote 'author = said Ruslan Muchipov, General Director of Tinkoff Capital Management Company.

2020: Launch of microinvestment service "Investment Bank"

On June 8, 2020, Tinkoff announced the launch of the Investment Bank, a microinvestment banking service. The investment bank will allow customers of the Tinkoff ecosystem to regularly set aside small amounts from everyday purchases on debit cards and automatically invest them in the Eternal Portfolio exchange funds from Tinkoff.

The Tinkoff Investment Bank is a special brokerage account that combines the simplicity of the savings account and the profitability of exchange investments. The service allows customers of the Tinkoff ecosystem to solve two problems at once - it helps to start saving and investing in small amounts, without changing the usual lifestyle.

How the Investment Bank works

The service is located in the Tinkoff mobile application and allows you to set aside small amounts from expenses using the Tinkoff Black debit card or the Tinkoff Black Metal premium card. You can transfer money to the Investment Money Bank manually, or you can set up an automatic transfer.

For the Tinkoff Investment Bank, you can choose four methods of automatic replenishment: cashback, interest on the balance, balances from everyday expenses with rounding or set up your amount.

• Rounding transactions. The balances from purchases will be transferred to the piggy bank with a step of 10, 50 or 100 rubles. For example - a purchase in the amount of 105 rubles can be rounded to 110/150/200 rubles - then 5/45/95 rubles will fall into the Investment Bank. In this case, the service will show projected annual income.

• Cashback. All Tinkoff Black debit card cashback will be automatically transferred to the Investment Bank: 1% of the amount of everyday purchases and up to 15% in those spending categories that the client chooses once a month.

• Percentage per balance. The money that is accrued on the balance for the settlement period under the Tinkoff Black debit card will be automatically transferred to the Investment Bank (4%);

• Regular auto payment. You can regularly replenish the Investment Money by a given amount once a month or once a week, and you can select a specific date or day of the week to replenish.

To accumulate faster, you can select multiple options or all four.

The money deposited in the Investment Bank will be automatically invested in the Tinkoff - Strategy of the Eternal Portfolio exchange-traded mutual investment funds, whose shares consist of shares, corporate state and bonds in different currencies and gold (25% of each asset). The strategy of the "Eternal Portfolio" allows you to earn and save money both in times of economic crisis and in a stable time. The historical average annual return on fund strategy is 14% for rubles, 7% for dollars USA and 6% for euros.

Among the distinguishing features of the Investment Bank:

• All operations - in the mobile application. Customers do not need to visit the office of a bank or management company, visit sites or download individual applications. The investment bank works as an add-on to the Tinkoff Black and Tinkoff Black Metal debit cards in the main Tinkoff mobile application.
• Multivalyutnost. You can open three Investment Banks in different currencies at once - in rubles, dollars and euros. You can automatically replenish the piggy bank in one of these currencies.
• No brokerage and depository fees. The amount of covering the expenses of funds (0.99% of the average annual value of assets) is initially included in the value of the stock exchange and is not written off from the client. Tinkoff will write off the commission in only one case - for closing the account (1 ruble). Also, when withdrawing money from the Investment Bank or at the end of the calendar year, the state will withhold tax on investment income (13%).

Our surveys showed that people who want to invest, but cannot decide in any way, usually have two kinds of difficulties: it is not clear where to take money for investments and where to start. You need to understand the issue, look for special services for investment, etc. At the same time, microinvestment has long been popular abroad. Therefore, we have come up with the simplest possible tool that will help solve both problems - our Investment Bank service. Customers will not need to download individual applications, fill out documents, connect cards or a personal account in a bank - everything can be automatically configured in the Tinkoff mobile application in a couple of clicks. After that, they will be able to buy coffee in the morning or food for dinner at the supermarket - and earn investment income from these purchases. For a year, with the help of the Investment Bank, tens of thousands of rubles can be accumulated. According to our forecasts, the number of users of the Investment Bank by the end of 2020 will be more than 300 thousand people, and in 2021 we plan to cross the threshold of 1 million active Investment Banks, - says Ruslan Muchipov, CEO of the management company Tinkoff Capital

How to connect

You can connect the Investment Money Bank if you have a Tinkoff Black debit card or a Tinkoff Black Metal premium debit card. To do this, you need to go to the Tinkoff mobile application, choose on the main page "Open a new product" and then - "Open the Investment Bank." After that, the customer will receive SMS to confirm the opening of the account.

The investment money will be displayed on the home screen in the Tinkoff mobile application in the list of customer accounts. You can go to a separate Investment Money Deposit screen to check the account balance and transactions, set up a replenishment option (automatically or manually), select or switch the currency of auto-additions, withdraw funds from the account, download legal documents (for example, a depositary report of the movement of assets for the day).