Tinkoff Investments Brokerage Platform

Main article: Mobile applications

Tinkoff Investments is an online platform for opening brokerage accounts.

The main idea of ​ ​ Tinkoff Investments is to provide customers of the mass market with a simple and convenient solution for investing on the exchange with a basic set of options and an intuitive user interface. With the help of Tinkoff Investments, customers can choose securities and pay for them with a bank card, as well as track the movement of quotes in the investment market.

The mobile application of the Tinkoff Investment brokerage platform allows you to remotely acquire shares of companies and ETF funds, bonds, and currency.

2022: Restart the service for algotraiders

April 28, 2022 Tinkoff Investments announced the launch Tinkoff Invest API of an updated program interface for algorithmic trading (automated). exchange trade More. here

2021

Launch Stock Gift Service

On December 28, 2021, Tinkoff announced the launch of an online securities gift service. It is available on the Tinkoff Investments platform.

According to the Tinkoff press service, you can give any financial instruments available to unskilled investors whose acquisition does not require testing (stocks, bonds, shares of exchange-traded funds). At the same time, you do not need to sign paper documents and visit the broker's office.

To make a gift, you need to click the "Give" button on the security page, specify the number of papers and select the recipient of the gift. The addressee will receive an SMS message or notification in the Tinkoff Investment application. If the recipient of the gift is not a Tinkoff client, a gift notification will be sent to him, as well as a link with a request to open a brokerage account and a debit card.

You can give shares at any time, regardless of the schedule of the exchange. When buying shares as a gift on a day off, settlements are made based on the closing price of the previous trading day. The recipient may refuse the gift. In this case, the funds spent on the purchase of shares are returned to the donor's account.

Tinkoff claims that the company was the first among Russian brokers to realize the opportunity to issue securities as a gift.

Instead of a thing that may not be useful to the addressee of the gift, you can buy, for example, shares of its manufacturer or a stake in any other company. So you will make a person its co-owner - be it "Children's World," Apple or Harley-Davidson. Most things lose their relevance over time and fall in price - unlike securities, the value of which can increase, "said Dmitry Tarasov, head of the Tinkoff Investments investment services development and promotion department.

According to him, by the end of 2021, more than 10 thousand investment tools are available on the platform.^[1]

The first place among brokerage companies in terms of the number of customers: 4.78 million

2020

Create a screener for automatic stock search

In the brokerage platform Tinkoff Investments, a stock screener has appeared, with the help of which it will be possible to automatically select securities according to selected criteria - for example, to find undervalued and promising companies, etc. This was announced on August 11, 2020. Tinkoff Bank

The tool will help experienced investors quickly form a portfolio at their individual request, and beginners - to choose shares for the first purchases, taking into account investment risks.

Novice investors will be able to subscribe to ready-made screeners created by Tinkoff Investments analysts. Finished screeners take into account fundamentals - for example, the cost of a company or the profit of a company before deducting expenses. Skiners will also be created on the basis of popular user requests - for example, "dividend companies," "companies with fast-growing profits," "dividends this week," "high growth potential." As soon as the company shares begin to match the query filters, they are immediately displayed in the finished screenshots.

For novice investors, the screener will become a mini-library in which it will be possible to study the significance of various indicators, understand how they affect the dynamics of the value of shares, and learn to assess investment risks.

Customers with experience in investing can create their own screeners both on the basis of ready-made and specifically for their individual tasks - for example, to find shares according to the parameters they need for their portfolios.

As of August 11, 2020, the client can form a request for a screener using more than 30 filters, such as: search by date, dividend, capitalization, EPS, trading volume, consensus. In the future, the number of criteria may increase depending on user requests.

The issue of shares on request can be set up by a list or table in which other company indicators will be displayed - this will allow the investor to obtain full information about the company to assess all the risks of buying its shares.

An individual screener, as well as a finished screener, can be saved in an application to view stock updates at a convenient time. Soon, customers will have the opportunity to share their screener on the social network for investors "Pulse," where other users will be able to watch it and save it in their application.

Screener is available to all Tinkoff Investment users in the "What to buy?" section.

Kirill Komarov, Head of Investment Consulting Tinkoff Investments:

In our application for August 2020, more than 10 thousand securities are presented, it can be difficult for a beginner to navigate. Skriner will make the process of choosing shares easier, while teaching users to pay attention not only to the dynamics of the value of the share, but also to the financial performance of the company, which means that it will allow a much more effective assessment of investment risks. The tool will help experienced investors quickly, without leaving the application, find the right products, while guaranteeing the correctness and relevance of the data. All this will make the investment process even simpler and more comfortable. In the future, we plan to create screeners not only for stocks, but also for other products - bonds and securities of foreign investment funds.

Start remote opening of brokerage accounts

On April 29, 2020, Tinkoff Bank announced that the Tinkoff Investments service launched a remote opening of brokerage and individual investment accounts (IIS) for customers of any Russian banks using the federal service for remote identification of state services SMEV (Interagency Electronic Interaction System).

To remotely open an account, you need:

• download the mobile application Tinkoff Investments or go to the Tinkoff.ru ("Investments "/" Open a brokerage account");
• Apply for a brokerage account or IIS by completing a short questionnaire. You must specify only the name, date of birth, series/passport number and address of actual residence;
• sign the application-questionnaire code from SMS.

After opening a brokerage account, the user can enter the Tinkoff Investments mobile application or personal account on the Tinkoff.ru, replenish the brokerage account for free from the card of any Russian bank and start trading on the exchange (the withdrawal will be available only on the Tinkoff card).

After the opening of the brokerage account, all the functions of the platform are available to the new Tinkoff Investment client - he can view the catalog of securities and quotes, register on the social network for Pulse traders and start communicating with subscribers, read a news feed on companies, collect an investment portfolio using a robo-observer, etc.

If desired, the client can set up a meeting with a representative of Tinkoff to issue a Tinkoff Black card, bring money into her account and carry out transactions with her in Tinkoff Investments.

We want to meet the challenges of time and have launched an account opening service for customers in a completely remote mode. This is especially true when customers are in self-isolation. Thanks to instant identification of data through State Services, customers will have simple, convenient and fastest access to trading on the exchange, as well as an easy way to learn how to invest using our platform, "comments Dmitry Panchenko, director of the investment business Tinkoff.

Customers of Tinkoff Investments, which will open a brokerage account in Tinkoff from March 20 to June 1, 2020 inclusive, can also receive a share of a large company worth up to 20,000 rubles as a gift. Such companies include Intel, Gazprom, Nokia, Polymetal, General Electric, Detsky Mir, Pfizer, X5 Retail, Sberbank, etc. You can sell a gift share by buying other securities (except currency) in the amount of 15,000 rubles. You can also keep a gift share in your investment portfolio (3 months from the date of the gift accrual) and sell it not immediately, but later - for example, when it grows in price.

Access to the purchase of ruble bonds in the primary market

Tinkoff Investments opened access to the purchase of ruble bonds in the primary securities market for all users of the brokerage platform. Previously, such an opportunity was only available to investors at the Premium tariff. This was announced on February 25, 2020 by Tinkoff Bank.

The advantages of buying bonds in the primary market are the maximum rate at the time of placement of the asset and the nominal price.

In the secondary market, the yield on securities may be lower and the value higher.

You can leave an application for the purchase of bonds in the Tinkoff Investments mobile application (in the future it will appear on the Tinkoff.ru). To do this, go to the "What to buy "/" Current" section and click on a special widget marked "Initial placement." A page with information about the placement of paper will open to the client: a description of the company, a deadline for participating in the placement, a range of coupon rates, a period of coupon payments and other details necessary for making an investment decision.

The coupon income rate is indicative: if the demand for bonds is high, then the placement organizers, together with the issuer (the company placing the bonds), can announce its decrease. Such a decision can be made only on a previously agreed date - on the day the application book is formed.

The entry threshold for participation in the initial offering of bonds in Tinkoff Investments is only 1,000 rubles. This is the minimum purchase amount for such an instrument and corresponds to the face value of the bond.

We not only open another investment tool for all our customers, but also make this process as transparent and simple as possible. By sending notices of changes in the yield of the paper, we give investors the opportunity to make an informed decision and cancel the application if necessary. We tested this tool at a premium tariff and saw huge interest in it: in 2019, customers took part in almost two dozen placements of ruble bonds. And just two days after the launch of the service for all customers, we immediately received more than 5,000 applications for participation in the initial bond offering. According to our forecasts, interest in upcoming placements will only grow, commented by Kirill Fateev, Head of Investment Product Development Department Tinkoff

Buying a corporate bond means that the investor lends money to the company, and then earns on interest. Participation in the initial offering of bonds is suitable for conservative investors who invest for a long time. These can be both experienced investors who are ready to make a purchase for a large amount, and newcomers to the exchange who can invest a minimum amount in this investment tool and test the result. In the future, when selling a bond on the exchange, the investor will receive not only the value of the bond, but also the accumulated coupon income (NPC).

2019

Launch the Tips service

On October 17, 2019, Tinkoff Bank announced that investment recommendations appeared in the Tinkoff Investments brokerage platform - the Soviets service to optimize the investment portfolio, which will help users use visual diagrams and recommendations to diversify their investment portfolio into different asset classes and industries.

Unlike the robo-observer Tinkoff Investments, which helps to assemble an investment portfolio from scratch, the Soviets service analyzes existing assets in the client's portfolio. The better the investor's portfolio is balanced, the less its profitability will depend on the behavior of a particular industry and on the type of securities, and accordingly the client's risks will become lower.

The Soviets service is accredited by the National Association of Stock Market Participants (NAUFOR) - thanks to this, Tinkoff Investments can give recommendations to the Soviets on the sale or purchase of certain securities.

To start using the "Tips," you need to go to the Tinkoff.ru in the section "Portfolio "/" About account "/" Analytics" or in the mobile application Tinkoff Investments in the section "Portfolio analytics." You can then select options for portfolio valuation (Assets and Industries tabs) and learn your investment risk profile (moderate, conservative, or aggressive) by taking a short test.

Based on these data, a special algorithm will help the user assess the balance of his portfolio. For example, in the Assets tab, the customer will be able to see the valuation of their investments on a ten-point scale and make further investment decisions based on this.

The green color of the scale means a good balance of the portfolio. If the scale turns out to be red or orange, a clue will appear in which assets and industries should be invested in order to balance the risks. For example, if a portfolio consists only of shares, then the algorithm will advise him to buy less risky bonds. At the same time, even the "green" portfolio can always be improved by buying the recommended papers.

Tinkoff Investments opened 1 million accounts

As of the fall of 2019 (according to the company itself), the Tinkoff brokerage service is the leader in the number of active customers on the St. Petersburg Exchange and takes 1st place in the number of registered customers, in total turnover in all trading modes, as well as in client turnover in the main trading mode. According to the results of August 2019, Tinkoff Investments ranks second in the number of active customers on the Moscow Exchange among all players in the Russian stock market, and are also among the top three in the number of open IIS (more than 80 thousand).

In 2018, the Tinkoff brokerage platform attracted the most private investors to the Moscow Exchange - over 285,000 people. This year, Tinkoff Investments strengthened leadership: in just 8 months of 2019, the service attracted more than 400,000 new retail investors to the Moscow Exchange. Every third account on the Moscow Exchange opens today precisely through the Tinkoff brokerage platform.

The Tinkoff Investments mobile application has already been installed about 3 million times. Since the beginning of 2019, the number of active users of the mobile application has grown to 256,000 people, per day - to 80,000 people.

Over the past year, the owners of a brokerage account in Tinkoff Investments also increased the size of one operation: earlier the transaction cost was about 39,000 rubles, now - about 90,000 rubles. Most Tinkoff Investment clients continue to adhere to the conservative "buy & hold" strategy, that is, they do not trade on the exchange often and much, but form a long-term investment portfolio.

"In March 2018, Tinkoff received a license from a professional participant in the securities market and in May 2018 we announced a large-scale restart of Tinkoff Investments: we began to open all new accounts independently, without intermediaries (BCS). At the end of the year, our customers will be able to buy their own Tinkoff exchange funds through the management company Tinkoff Capital, "comments Emeshev Alexander, vice president, director of new products Tinkoff.

Launch of an open social network in the mobile application "Tinkoff Investments"

On September 3, 2019, Tinkoff Bank announced the launch of Pulse, a free open social network for investors in the Tinkoff Investments mobile application.

Pulse will become a convenient and technological platform where users can get acquainted with real bidders on the exchange, subscribe to investors with similar or opposite investment strategies, exchange ideas and trading experience on the stock market, as well as life hacks to work with the Tinkoff brokerage platform. Investors no longer need to switch to third-party sites and forums to discuss deals and exchange news - all communication will be concentrated in one place, in the Tinkoff Investments mobile application.

Before our eyes, a generation of retail investors is forming, who choose the most convenient and functional services for trading securities. Pulse will help stock market participants learn from each other and improve their trading strategies. Unlike other examples in the market, we create communities for the widest possible audience, and not just for qualified traders. Users will have a large selection of investment strategies for market analysis. Transactions, assets, companies, industries and currency within the portfolio, its volume and profitability over the past year, posts and comments on them - all this information about social network subscribers will be open and useful to investors for making responsible trade decisions,

Pulse functionality will be available to all customers who have a brokerage account in Tinkoff Investments. Social network subscribers will be able to:

• publish posts (first text, later - photos and videos), write comments and make likes, mark securities from the Tinkoff catalog in publications (a click on the paper will lead to its separate page);
• subscribe to other social network participants and view their profiles - posts and comments under publications, the composition of the investment portfolio, trade statistics;
• conduct a dialogue with social network participants on the pages of actions, where all posts on these securities will be combined;
• receive notifications of posts of social network participants and transactions of users on which they are signed;

In the future, users will be able to monetize their activity on the social network: first as part of competitions with prizes, later - receiving a reward from Tinkoff for achievements in promoting their profile (high-quality content and profile popularity will be evaluated).

To start working with social networks, you need to update the Tinkoff Investment mobile application to version 4.0 and register on the profile page: set a nickname (a fictional name for maintaining anonymity), upload a photo, add a profile description, indicate interesting topics for communication. After that, Tinkoff will offer the user a list of recommended profiles.

As of September 2019, Pulse is at the beta testing stage, all Tinkoff Investment customers will have access to the social network within the next week: first on Android devices, later for iOS users. In the future, the service will become available on the Tinkoff.ru.

Launch AI Research Engine Service

July 8, 2019 Tinkoff Investments announced the launch of the AI Research Engine service based on artificial intelligence. Technology helps investors monitor the financial performance of their assets and respond in a timely manner to their changes.

[[:Шаблон:Quote 'author '= commented by Alexander Emeshev, Vice President, Director of New Product Development Tinkoff. ']]

The AI Research Engine service takes into account many criteria when analyzing securities: growth potential, analyst forecasts, dividend yield, share liquidity, risk parameters, company reporting indicators, positions of large investment funds, etc. Based on the processed data, the Tinkoff Investment algorithm generates an adapted analytical help for the user, which also contains information about companies with similar business. Among them, an investor can choose more attractive assets for himself.

Assets with which certain events occurred are marked in the catalog of the Tinkoff Investment application with a special badge. Clicking on the marked paper, the client will get to the page with a brief analytical note on it.

AI Research Engine will be an important addition to the functionality that is already available to users inside the catalog (fundamental and technical indicators, reporting indicators and key news for the company). As of July 2019, the service operates in the Tinkoff Investment mobile application on Android devices, in a few days it will be available to iOS users.

The Tinkoff Investment service does not give personal investment recommendations, but is an information and analytical service that provides customers with additional data for making investment decisions.

Margin Trading Service

On June 18, 2019, Tinkoff Bank announced that a margin trading service had appeared in Tinkoff Investments. With its help, users of tariffs "Trader" and "Premium," who have a brokerage account or IIS in Tinkoff, can make transactions with liquid securities secured by funds or assets in the portfolio. Margin trading will allow customers to increase the volume of transactions and increase their profitability.

According to the company, you can make margin transactions in Tinkoff Investments not only with Russian shares and rubles, but also with foreign securities, US dollars/euros. As of June 2019, in the list of liquid Tinkoff instruments (with a risk rate of less than 100%) - about 50 securities, their number will grow. The more liquid assets in the client's portfolio, the more amount he can get for a margin transaction. The limit on the margin funds raised by the client is set not only depending on what papers he wants to buy, but also on his current investment portfolio.

You can manage margin transactions directly in the Tinkoff Investment mobile application and on the Tinkoff.ru website (About Account section), including through the web terminal. The liquidity of the portfolio and the size of the margin position can be checked directly on the smartphone in a few clicks.

It will be possible to replenish the brokerage account and IIS instantly at any time of the day from the Tinkoff debit card. Thanks to this, customers of the service will always be able to make a deal on the most favorable conditions for themselves at the right time, including in the event of a margin call (warnings about lack of funds to secure collateral).

The commission for margin transactions in Tinkoff Investments will be fixed for an uncovered position during the day for all instruments: securities,, rubles, dollars USA euros. It will be charged at the end of the trading day and debited from the brokerage account rubles in according to the current tariff. The size of the commission will be calculated from the size of the position, that is, from the amount of the loan: the larger it is, the lower the rate will be. Therefore, when opening a margin position (purchase of assets in debt), the user will always be able to understand what commission he will pay when it is transferred to the next day.

Tinkoff Investment users will also be able to see when making a transaction exactly what amount will be debited from the account at once for all items. It does not need to be considered independently - the mechanism for writing off commissions is as simple as possible. In case of a margin call, the client will receive a push notification.

As of June 2019, you can make a margin transaction in Tinkoff Investments in the following way: buy securities or currency with money that the client currently does not have the necessary amount (long position). For example, a client has 100 thousand rubles on a brokerage account, he can buy 200 thousand rubles in a margin transaction with a shoulder. When these shares grow by 10%, the client will be able to sell them for 220 thousand rubles, pay off the debt and receive 120 thousand rubles on the account - that is, he will earn twice as much as he could get without a "margin shoulder." In the near future, Tinkoff's customers in the framework of margin trading will be able not only to buy assets, but also to sell them (short position - short).

Transactions using the "margin shoulder" are popular with investors, since they can bring income higher than using only their own funds. said Alexander Emeshev, vice president, director of new product development at Tinkoff Bank

Users of the Tinkoff brokerage platform will be able to turn off the margin trading option at any time in the Tinkoff Investment mobile application or on the Tinkoff.ru if the balance of the brokerage account is positive (without uncovered positions).

Ability to capture profit on the first day of trading

On May 14, 2019, Tinkoff Bank announced that premium customers of the Tinkoff Investment brokerage platform (qualified investors) were given the opportunity to participate in IPOs of world companies along with large investment funds and investment banks.

Users of the Premium tariff of Tinkoff Investments are provided with conditions under which on the first day of trading they can almost instantly record profits in the event of an increase in shares of placed companies and not wait for the completion of a long lockup period from 14 to 180 days that blocks the sale of securities.

Tinkoff Investment users have already participated in the IPO of Yunji (a popular Chinese service trade through). messenger WeChat On the first day of trading in Yunji shares, investors could earn up to 60% of the investment. In the near future, Tinkoff Investment customers will be able to take part in the most anticipated IPOs, for example - Luckin Coffee (coffee chain in, China competitor),,. Starbucks Palantir Airbnb

You can bid for shares on an IPO directly in the Tinkoff Investment mobile application in a special widget, which is available in the service's news feed or through a personal manager.

author '= Alexander Emeshev, Vice President, New Product Development Director, Tinkoff Bank ' The trend for unicorns and IPO is growing, especially in foreign markets. So, in 2018, companies entering the the American exchanges managed to place securities worth $46.8 billion. They got a great start in 2019 Pinterest. Zoom Now our premium customers can become the owner of a stake in a promising startup or in a large company with good business even before the start of official trading.

Availability of tech profiles, stop loss and portfolio analytics

On March 18, 2019, Tinkoff Bank announced a large-scale update of the Tinkoff Investment brokerage platform and the launch of a number of functions and opportunities for service customers.

According to the company, during the week Tinkoff Investments users will be available:

• Stop losses and teak profiles
• Multiple values for paper price
• Robo-Observer with Investment Profiling
• Portfolio Analytics
• Exchange glass for Trader and Premium rates
• Web Terminal for Trader and Premium Rates
• OTC Limit Requests for Premium Tariff
• Vedomosti materials for premium customers

Stop loss (stoploss) allows you to limit possible losses when managing an investment portfolio. Using stop-loss, the customer creates an order (acceptable level of asset value, below the current price) for automatic sale of securities in case of unfavorable price dynamics on the exchange. Takeprofit, on the contrary, makes it possible to sell assets with a favorable change in prices (above the current value of the paper) and helps to record the profit from the price set by the client.

Stop loss and teak profiles allow you to protect yourself from the volatility of the exchange market and allow you to complete the transaction automatically. When the price of the paper reaches the level set by the client, a push notification arrives to the Tinkoff Investment user.

When closing the position (sale of paper), the service will automatically cancel all stop loss and teak profiles issued for this asset (they will not be necessary if the shares are already sold), so the client will not need to remove them manually. It will be impossible to buy paper on credit by chance and get a negative balance on the account, as happens at other brokerage sites. Stop loss and key profiles are available to the owners of all Tinkoff Investments service rates.

Tinkoff Investment users can set several values (prices) at once to receive push notifications when the paper reaches the desired price. So it will be easier for customers to control the range of prices on the exchange. To do this, click the button with the image of the bell in the upper right corner of the Tinkoff Investment mobile application.

Users also have the opportunity to determine their investment profile (attitude to risk) directly in the Tinkoff Investment mobile application: moderate, conservative or aggressive. To do this, the client needs to fill out a short questionnaire with simple questions about the experience of working on the exchange, the allowable amount for investing, popular tools for trading, etc. Specifically for the investment profile of the user, it will be possible to make a diversified portfolio of securities, for example, with the help of a robo-observer. In addition, those that do not fit the investment profile of the client will be noted in the catalog of securities: an icon with a red palm will be located opposite such assets, while they will be available for purchase, like other securities.

In Tinkoff Investments, the "Analytics" section appeared, where users of the service can see graphs by types of assets (stocks, bonds, ETFs), by industries and companies, statistics on the profitability and value of the investment portfolio. Here, users will be able to clearly see what securities his portfolio consists of and how diversified these assets are.

The owners of tariffs "Trader" and "Premium" became available tab "Glass" for each individual paper. Exchange glass is a list of limit bids on the exchange market at the moment. Sales orders are highlighted in red, for purchase - in green. The exchange glass will allow customers to see the queue of applications and evaluate their liquidity. The data in the glass is updated in real time. Moreover, Tinkoff customers will be able to submit a limit application directly from the exchange glass.

A limit application is issued when the client wants to buy or sell shares at the price he needs. So, the user of the Tinkoff Investments service can be sure that he will buy paper not more expensive than the cost that he indicated in the application. On the exchange, a queue is formed from such bids. The better the price (for the opposite side), the closer the customer request is placed to the beginning of the queue and the sooner it will be executed.

From March 20, 2019, the owners of the Trader and Premium tariffs will be able to use the Tinkoff web terminal for free for the purchase and sale of securities. With the help of a web terminal, customers can make transactions on the exchange and see everything information about trading on several screens at once, in any browser and any number of devices, flexibly configure the interface of the web terminal and track updates to the market date (exchange data) in streaming mode. Data on transactions, positions and profitability of the portfolio in the Tinkoff web terminal are available for viewing for the entire period of the client's work with the Tinkoff Investments service - that is, from the moment of opening a brokerage or individual investment account in it, and not for the last trading day.

Tinkoff Investment premium customers have the opportunity to issue limit bids for instruments from an expanded list of securities (more than 10,000 securities, including OTC), for example, shares of Frankfurt or Amsterdam exchanges.

Articles from the newspaper and the Vedomosti website appeared in the service's news feed.

2018

Individual Investment Account

On November 19, 2018, Tinkoff Bank announced that individual investment accounts (IIS) appeared in the Tinkoff Investments service.

According to the company, two tax deduction options will be available to IIS owners. The first, type "A," can be used by citizens RUSSIAN FEDERATION with official income taxable. PERSONAL INCOME TAX This option as of November 2018 allows you to return 13% of the amount invested through the IIS within 400,000 per rubles year (maximum - 52,000 rubles per year). When deducting type "A," the tax authorities will return the money to the client from the amount paid to the state as income tax. This option is suitable for novice and conservative investors, whose strategy is based on investments in low-risk instruments, for example Bonds , in the Federal Loan (OFZ). A deduction of type "A" can be received every year.

The second form of deduction, type "B," allows the client not to pay income tax (as of November 2018, 13%) on profits from operations on the exchange. This type of deduction is suitable for investors who actively trade on the exchange and plan to receive significant profits from the purchase and sale of securities.

An individual investment account is intended for investments of 3 years or more. If the user decides to withdraw money from the account earlier, then he will have to close it - the client will not be able to use tax deductions, and the received deductions will have to be returned.

An individual investment account is multi-currency (for example, as of November 2018, US dollars can be stored on the account - for this you need to buy them on the exchange), but you can replenish the IIS only in rubles. As of November 2018, the maximum amount that can be deposited for IIS is up to 1 million rubles a year. For large investments, the Tinkoff Investment client can use a brokerage account in addition to the IIS.

Mobile App Users Reach 500,000

On October 3, 2018, Tinkoff Bank announced that the number of users of the Tinkoff Investment mobile application has reached 500,000 people since the launch of the brokerage platform in 2015.

Tinkoff Investments is a mobile application for buying securities on the stock exchange with a basic set of options and an intuitive user interface. Among the features of the Tinkoff Investment application are round-the-clock account replenishment, payment of transactions with securities with a card at any time of trading on the exchange, automatic currency conversion when buying securities, round-the-clock and instant withdrawal and online tax calculation, robo-observer services that help collect an investment portfolio, as well as an investment news feed using sources such as Reuters, Interfax, Rambler, Service VC.ru. News 80% of all transactions with securities within the framework of the online platform take place in the mobile application Tinkoff Investments, 20% - on the site Tinkoff.ru.

According to the Moscow Exchange (MICEX) for September 2018, Tinkoff Investments ranks fourth among brokers in the number of active customers and sixth in the number of open accounts. Every fourth account on the Moscow Exchange opens through the Tinkoff Investments service.

In July 2018, the Tinkoff Investments brokerage platform launched a robo-observer, which allows you to assemble a balanced investment portfolio of several securities in a couple of clicks. As of October 1, 2018, over 80,000 users use the recommendations of the robot adviser, with the help of which about 400,000 portfolios were generated with an average purchase check of 60,000 rubles.

Most users of the Tinkoff Investment service (87%) are men aged 25-35 years. 82.5% of users of the Tinkoff brokerage platform are interested in technology, 77.9% in the financial market, 73.9% in macroeconomic and political news, 66.8% in popular science events, 62.2% in the banking industry, 61% in life events, 60.6% in sports.

At the end of September 2018, Tinkoff Bank launched the Tinkoff Investment Premium service, whose customers gained access to the widest possible catalog of world securities for the Russian market (more than 10,000  positions) and the support of a personal manager directly in a mobile application.

Tinkoff Investment Premium

On September 26, 2018, Tinkoff Bank announced the launch of the Tinkoff Investments Premium service, whose customers will have access to the catalog of world securities and the support of a personal manager in a mobile application.

According to the company, the difference between the Tinkoff Investments Premium service is the ability to perform all operations and make any investment decisions inside the mobile application in several clicks, without calling the consultant and personal meetings. A team of personal managers and analysts will work with each user of the service, available in the mobile application chat in 24/7 mode.

As of September 2018, more than 10,000 issuers' securities from 30 countries (hundreds of foreign ETFs; Eurobonds, including highly profitable emerging markets; shares and bonds of foreign companies, etc.).

One of the key features of this service is the absence of a minimum entry threshold for the invoice amount.

To start using the investment service, you must be a current client of the Tinkoff Investments brokerage platform and receive a personal invitation from the bank, or leave an application for access to the service on the bank's website.

Customers of the Tinkoff Investments Premium service with the status of a qualified investor receive unlimited opportunities for investment. For example, you can buy bonds from companies such as Alibaba, Ford and IBM. Securities of companies such as Sony, Samsung, AG Siemens and others are available to investors who prefer shares.^[2]

Partnership with Thomson Reuters

On September 5, 2018, Tinkoff Investments Brokerage Service announces a partnership with Thomson Reuters, a provider of analytical information for business and professionals.

As part of the Tinkoff Investments and Thomson Reuters partnership, customers of the online investment service will have access to current global news, issuer data, analytical reports on industries and companies of interest, which will allow them to competently build investment strategies and form a portfolio on American and Russian securities markets.

Reuters information messages can be read in the investment feed of the Tinkoff Investments application. Each news will be tied to a specific company. Users of the Tinkoff brokerage service will be able to set up a personal investment news feed and receive information on those papers that interest them.

More than 500 news from Reuters in Russian on papers of Western and Russian companies per week will be available to Tinkoff Investments clients. With the help of an operational and reliable source of information, users of the Tinkoff brokerage service will be able to make investment decisions, and will also receive the maximum information coverage of the American market in Russian.

We are pleased to announce the start of cooperation with the analytical agency Reuters. Now Tinkoff Investment users will be able to receive even deeper and more objective expertise from Reuters on the basis of an investment news feed, as well as more tight support throughout the entire cycle of trading operations.

The partnership with Tinkoff Bank is a significant step in the development of our business in the region. We understand how important it is in a rapidly changing stock market to receive operational information, and to receive it from a reliable source. Our company is pleased to offer customers of the Tinkoff brokerage platform Investment proven information, advanced technologies and our international expertise to build strategies and enter other markets.

The number of users of the robo-observer - 40 thousand people

On August 16, 2018, Tinkoff Bank announced that the number of users of the robot advisor (robo-observer) of the Tinkoff Investment brokerage platform reached 40 thousand people in the month after the start of the service.

Robo-observer Tinkoff in just a few minutes according to the given parameters can collect a balanced investment portfolio by industries and companies taking into account the available amounts of investments, with an optimal ratio of risk and profitability.

In just a month, the service generated 142 thousand investment portfolios. The average check for the purchase of assets using a robo-observer amounted to 60 thousand rubles and $1 678. Mainly users of the robo-observer acquired ruble securities in the portfolio. Among those who made the investment portfolio with the help of a robo-observer, 23 thousand people are Android users, 17 thousand are iOS.

According to the bank's plans, in the next release of the service there will be such opportunities as the purchase of an investment portfolio collected by a robo-observer directly from a bank card and the instant automatic conversion of funds when buying a portfolio in a currency other than the card currency. In addition, in the near future, robo-editor Tinkoff will become available in the web version.

Launch Robot Advisor

Users of the Tinkoff Investment brokerage platform have become available the service of a robot advisor (robo-observer), with the help of which customers can create a diversified investment portfolio. Those users who have not yet had time to open a brokerage account, but have already checked in to Tinkoff Investments, can use the option of selecting assets (without purchase), Tinkoff Bank reported on July 17, 2018.

Robo-Observer Tinkoff is integrated directly into the Tinkoff Investment mobile application. According to representatives of the bank, in just a few minutes according to the given parameters, he can collect an investment portfolio balanced by industries and companies, taking into account the available amounts of investments, with an optimal ratio of risk and profitability. Every morning, the robo-observer updates the data, on the basis of which it gives recommendations to users of the brokerage platform.

The robo-observer will be especially in demand by those users who make up the investment portfolio for the first time and do not yet know in detail how trading on the exchange is arranged. For more experienced investors, the robo-observer can become an additional tool for making decisions and finding interesting investment ideas. Thus, we solve the problem of the first step and help our customers form a full-fledged investment portfolio immediately after registration, "said Alexander Emeshev, vice president, director of new products development at Tinkoff Bank.

To use the robo-observer, the client needs to go to the Tinkoff Investments application, on the home page click on the icon with the image of the "graduate hat" and answer simple questions ("In which currency do you want to invest?," "How much are you ready to invest?," etc.). Next, select Buy. The transaction amount will be debited from the broker account.

In the updated version of the Tinkoff Investments application, an investment news feed also appeared. Now users of the service can receive an ordered and personalized list of information messages (news, ideas, forecasts) for companies of interest to them (which were added to the Favorites section) and for securities from the investment portfolio. In the news investment tape, a special algorithm analyzes the content of messages and determines which companies they are associated with. This option allows customers to display relevant content rather than the entire information flow at the same time. The investment news feed will combine various sources of information, for example, Rambler News Service, VC.ru, Interfax. The bank plans to expand the list of sources.

Among other updates to the Tinkoff Investment brokerage platform: the ability to display a portfolio in convenient currency and improved search.

The above options will be fully available to customers by July 20.

Development of the mobile application "Tinkoff Investments" together with CET

Development started in 2017 and ended in June 2018. As such, TK at the start of the project was absent and born during development. The design and architecture of the application remained on the side of the customer. More details here.

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