VTB My Investments

Main article: Mobile applications

VTB My Investments is a mobile application that provides retail customers with quick access to VTB Group investment instruments.

2024: Opportunity for Securities Owners to Vote at Shareholder Meetings on Broker App

VTB is launching a service through which securities owners can vote at shareholder meetings in the broker's application. Thus, VTB My Investments will become a single window where the investor can perform all the necessary corporate actions. The technology ensures the complete security of the process, it will be possible to vote on those companies that are registered with VTB Registrar. The bank announced this on June 4, 2024.

The client will have reliable and quick access to participation in shareholder meetings of different companies directly in the application or web version of VTB My Investments. It will be possible to vote on the agenda of more than 7,500 issuers whose registers are maintained by VTB Registrar. Among them are the largest companies from various sectors of the Russian economy.

The "one window" principle implemented in the VTB My Investments application will make it easier for minority shareholders to take part in corporate events of companies. Thanks to this, the share of individuals among voting participants can grow, which will increase the value of the voice of each shareholder and allow the management of companies to better understand the mood of private investors. I am sure that this will be an incentive for the development of the company's interaction with its minority shareholders and strengthening the confidence of retail investors in the Russian stock market, "said Vitaly Sergeychuk, member of the board, head of VTB's corporate and investment business block.

The development will significantly save the investor's time, and will also save him from the need to remember about voting - all relevant information will be displayed in a special section of the application.

The right to vote, that is, the opportunity to participate in the management of the company, is the main right of the shareholder. We have been developing the electronic voting service since 2014 and see the interest of shareholders and issuers in this service. The number of electronic voting meetings and people taking part in them is constantly growing. The emergence of a unique opportunity to vote in the VTB My Investments application will greatly simplify the "client path" for the shareholder, will contribute to the growth of investors voting online, which means it will increase the objectivity of decisions made at meetings, - said the General Director of VTB Registrar Konstantin Petrov.

How to participate in shareholder meetings at VTB My Investments

• Open the "Today "/" Voting" section in the application or web version of "VTB My Investments" and go to the section through Public services
• Select the companies available for voting (the deadline will also be indicated there)
• Review the list of issues for review and the necessary materials
• Select a question to consider (e.g., "Approve Annual Report," "Distribute Profits"), vote yes, no, or abstain. If members of the Supervisory Board are elected, a certain number of votes are available to the investor, which he can distribute among the candidates.
• Click on the "Finish voting" button

2022

Opportunity to open an account with VTB Pension Fund

application VTB In Moi Investments , it became possible to form pension capital for further receipt of not state part of the pension. VTB clients who are on brokerage can conclude an agreement directly in the application. VTB announced this on December 28, 2022.

NPF VTB adheres to a conservative investment strategy and invests mainly in bonds and deposits. Moreover, according to legislative norms, its profitability cannot be negative, and the funds of customers in the account with VTB NPF are insured.

In the VTB My Investments application, it is convenient to monitor the growth of pension capital. Once connected, the account data is displayed on the home screen along with the other accounts.

We see interest in VTB NPF, which allows us to save savings and receive additional pension income. And in order to make it more convenient for our clients to work with this fund, we added the possibility of opening an account with VTB NPF and further working with it to the VTB My Investments mobile application. The accumulated profitability of the fund over the past five years has overtaken inflation by almost 5 percentage points. and amounted to about 30%. The size of pension reserves in VTB NPF at the end of November amounted to almost 28 billion rubles, - said Andrei Yatskov, head of the brokerage service department.

Ability to open an account through the Unified State Unitary Enterprise

VTB clients My Investments were able to open an account through the Public services portal in the universal web version of the brokerage application. Arovan Capital (formerly VTB Capital) announced this on June 23, 2022. To do this, it is enough to have a confirmed account type on the portal. In the near future, such an opportunity will appear in the mobile version of the VTB My Investments application.

You can open a brokerage account and an individual investment account (IIS) in the VTB My Investments application through the State Public services portal in just a few clicks. You need to enter a phone number, confirm entry into the application using an SMS code, log in through Public services and, after confirming or changing your data, sign an application using SMS.

Also, as part of the latest update, another more convenient form of displaying transaction histories appeared in the universal web version of VTB My Investments: other types and filters were added (the Events tab). In addition, thanks to the labeling, it is now immediately clear whether it is possible to open long or short positions in paper. The news feed became available again.

The universal web version of the application works on all smartphones and tablets and does not require downloads from app stores. For quick access, you can place the application shortcut on the screen of your smartphone or tablet.

2021: Availability of the service for working with options of the term market of the Moscow Exchange

On November 17, 2021, VTB Capital Investments released an updated version of the VTB My Investments mobile application. A service for working with options of the term market of the Moscow Exchange has become available in it. This approach is universal: it is convenient for those who have just started working with these tools, and for those who have been investing with options for a long time. In addition, the Showcase was updated, the types of bond offers and the ability to select an arbitrary period in Portfolio Analytics were added.

VTB Capital Investments continue to improve their own investment services, increasing their functionality, informativeness and transparency.

In the updated version of VTB My Investments, an option selection service has appeared that allows you to work as comfortably as possible with these investment instruments. Options can be used as insurance against the risk of raising or lowering the price of stocks, bonds and other assets. Either as a bet that assets will rise or fall in value. It must be remembered that an option is a complex investment instrument that carries significant risks.

To increase the transparency and convenience of working with investment instruments through VTB My Investments, the bond card now displays the type of offer, if any. In addition, it is possible to select an arbitrary period for investment portfolio analytics.

Significant changes were made to the functionality and design of the "Showcase." Application users got quick and easy access to collections of the most attractive stocks and trading ideas for individual securities from VTB Capital Investments analysts, as well as forecasts from VTB Capital analysts.

Also in Vitrin, the design of sections with initial placements was updated, it became possible to select VTB funds by currency, and quick access to the current OFZ-n placement was added. In addition, unqualified investors began to see all assets, even if they are available only to qualified investors.

Securities with which only "quals" can make transactions are marked in Vitrin with a special badge, and the selection of bonds opposite each issue now displays a "Reliability Rating" that will help assess the issuer's creditworthiness.

The number of VTB users My investments per day is about 400 thousand people. Every day, more than 1 million transactions are made in the mobile application, the turnover of which is more than 100 billion rubles a day.

The popularity of any mobile application directly depends on the demand and relevance of the services it offers. Therefore, we always pay great attention to the requests and offers of our customers. For example, the updated option service and the ability to choose an arbitrary period for investment portfolio analytics were developed precisely thanks to the wishes of our clients. VTB's audience My investments are growing rapidly: since the beginning of 2021, the number of active users per day in the application has increased 1.6 times, and we understand the importance of uninterrupted operation and reliability of all our systems. This, along with the desire to give customers the most convenient service, will always be our priority, - said Vladimir Potapov, Chief Executive Officer of VTB Capital Investments, Senior Vice President of VTB.

2020

AppGallery Availability

Mobile Investment Platform VTB My Investment is now available in the official app store to AppGallery all owners and. smartphones Huawei VTB Honor announced this on September 1, 2020. The app replaces the professional trade terminal and gives access to 33 exchanges around the world for September 2020, as well as providing quality analytics on the market and individual instruments and investment ideas. With its help, you can buy and sell securities, currency, funds and more than 10,000 instruments, make OTC transactions, see the financial result of each transaction and the entire portfolio, track changes in quotations of exchange-traded instruments.

A free service is integrated into the application - an officially accredited robot adviser in Russia. It will help determine the client's risk profile and collect an investment portfolio suitable for him, and then track him and issue recommendations if rebalancing is necessary. For the convenience of users, the application has virtual assistants developed on the basis of artificial intelligence, which will answer questions and make navigation on the investment platform easier.

Goal VTB Capital Investments to make investments available to all. Our mobile platform is a universal solution that allows you to form and manage an investment portfolio, buy securities around the world, get acquainted with the analytics and perspective of professionals in the markets. And we try to ensure that everyone has access to the application, so we are glad that now the owners of HUAWEI and HONOR will be able to use the application. We expect that in the future investments will become an integral part of the savings of each family, - said Vladimir Potapov, Chief Executive Officer of VTB Capital Investments, Senior Vice President, Head of VTB Brokerage Services.

Starting with such a large company as VTB, it is important for us to build strategic partnerships in all areas of business. We are glad that now the functionality of the VTB My Investments application has become available to our users in the AppGallery. We will continue to replenish our ecosystem with such convenient solutions in the future, - commented Mikhail Komkov, vice president of the Huawei and Honor ecosystem.

VTB My Investments 2.9.0: Personalized Virtual Assistants

VTB Capital released an updated version mobile application VTB of My Investments 2.9.0. VTB Bank announced this on August 13, 2020. Personified virtual assistants appeared in it: panda, fox and tiger, determined in accordance with the investment risk profile of the client. Also, now users are given the opportunity to submit applications with a limit execution (stop loss, take profit). They are available on all stocks, Moscow exchanges foreign stocks, currency pairs, futures and parts of funds (on ETFs). The showcase has been completely updated, and the ability to set goals for investing in the robot adviser has been implemented, and a number of sections have been finalized. The development of its own digital investment platform is an important area of ​ ​ VTB Capital Investments: as of August 2020, the application provides access to more than 10 thousand different investment tools on 33 exchanges around the world.

In the presented version of the application, the client, when connecting a robot adviser, will be able to set a goal for investing and track the result of achieving it. The robot advisor is a mobile app feature that is free to connect, with more than 15% of active app users using it. The service helps to determine the most suitable risk profile for the client and, based on it, develops recommendations on how to assemble a portfolio, based on the expertise of the VTB analytical team and based on the current volatility in the market. Highly liquid papers are recommended for purchase. The quality of the recommendations is checked by VTB Capital Investments employees. Next, in real time, the robot adviser monitors the state of the portfolio and offers adjustments when the market situation changes. If the value of the company's shares from the portfolio increases above the forecast, the digital assistant will offer to record profits, and invest the money received in other assets.

The fully updated showcase in the latest version of the application is focused on making it easier for customers to find the right product for themselves. A large section with primary placements has appeared. The collection of bonds is divided into 3 blocks: securities for investments up to a year, from 1 to 3 years and more than 3 years. Selections can be viewed in different currencies. Individual blocks received currency exchange and investment consulting services. If you click the "Select" button, an updated filter will open to search for investments according to the specified parameters. In the future, there will be sections with VTB funds and OFZ-n.

In this version, the virtual assistant has a face. Now it is one of three animals: panda, fox or tiger, depending on the risk profile of the client. The section "History of dividends" on shares RUSSIAN FEDERATION and foreign shares has also been finalized. It was replenished with the broadcast of the closing dates of the registers, as well as historical dividend yield. If the dividend indicates a forecast, and not the size approved by the issuer's board of directors, then it will be highlighted.

We strive to maintain our position in the market in terms of customer satisfaction, so we are constantly improving our products and focusing on VTB My Investments. The number of active users of our mobile platform since the beginning of 2020 has grown 2 times and exceeded 350 thousand people, the number of active users per day already exceeds 150 thousand, the monthly volume of transactions made in the application is more than 740 billion rubles. Our goal is to make the investment process as simple, transparent and personalized as possible, and we are confident that in the near future investments will become an integral part of the savings of each family, "said Vladimir Potapov, Chief Executive Officer of VTB Capital Investments, Senior Vice President of VTB, Head of Brokerage Services.

Doubling the number of daily users by April since the beginning of the year

Since the beginning of the first quarter of 2020, the number of daily users of the VTB My Investments application has increased 2 times, and the number of active sessions at the time of the opening of trading on the Moscow Exchange has grown 3 times, VTB reported on April 14, 2020.

2019

The number of VTB My Investments users has grown sixfold

The number of active users of the VTB My Investments mobile application in 2019 increased sixfold and exceeded 200 thousand people. December became a record in the number of installations of the investment platform: over 100 thousand people downloaded it to a mobile phone in a month. The monthly volume of transactions made on the platform in December exceeded 200 billion rubles. The total turnover in the application since its launch has exceeded 2 trillion rubles.

In 2019, the VTB Capital Investments team developed and improved the investment platform. It became possible to remotely open an online brokerage account, replenish the account from any bank cards, withdraw funds to VTB master accounts and to other banks (for those who opened online accounts), introduce transfers between brokerage accounts, provide an option for direct participation in initial placements, appeared in the access OFZ-n and 1000 of the most liquid shares of the American stock market on the St. Petersburg Stock Exchange. In addition, dividend and coupon calendars were created, the work of a robot adviser with artificial intelligence was improved, which helps to form an investment portfolio from shares, bonds and index funds, taking into account the investment profile of the client. A virtual adviser, a chatbot, was also launched, which is ready to help with answering any questions that arise when working with VTB My Investments. Today, the mobile application is a full-fledged trading terminal and gives access to transactions with more than 5,000 tools.

The yield of model portfolios of the "Investment Adviser" is 2.5 percentage points higher than market indicators

On December 16, 2019 bank VTB , he announced that the yield on the model portfolios of VTB My Investments Investment Advisor was 2.5 percentage points higher than the market indicators. The service mobile application was launched in July 2018. For a year and a half, portfolio returns ranged from 13% to 44%.

As benchmarks, the index of the total income of government bonds of the Russian Federation and the Moscow Exchange index of the total gross yield are used. For each portfolio, a synthetic benchmark is built that corresponds to shares of asset classes. For example, a moderate portfolio in which 50% of shares and 50% of bonds are compared with a synthetic benchmark consisting of 50% of the total income index of government bonds of the Russian Federation and 50% of the Moscow Exchange index of total gross yield. The yield on VTB's moderate robot advisor portfolio My investments were 3 percentage points higher than the benchmark yield.

The development and development of the Investment Advisor (robot adviser) using artificial intelligence and Big Data is one of VTB's strategic goals. The first version of the service became available to users of the VTB My Investments mobile application a year and a half ago, since that time it has been constantly being optimized in order to improve its efficiency. Connecting the service is absolutely free. Initially, the robot adviser helps the client determine the investment profile and on its basis provides recommendations on the securities portfolio, developed on the basis of the expertise of the VTB analytical team. The client is offered several portfolio options that differ in risk level. The higher the level of risk that the client is ready for, the higher the potential profitability.

A user with a conservative profile will be offered portfolio options exclusively from bonds of issuers with high credit quality - the state and the largest companies. The risks of losing investments are minimal, the potential yield is 6-7% per annum. A client with a moderate investment profile will be offered a balanced portfolio of shares and bonds with a potential yield of 12-13% per annum. A portfolio for an investor with an aggressive profile is formed only from shares. It can give a yield of about 20% per annum, while you need to be prepared for the fact that at some time the securities portfolio may cost less than the amount of funds invested at the initial stage.

In real time, the robot adviser monitors the state of the portfolio and, if necessary, issues recommendations for rebalancing. The service of the VTB My Investments application was the first officially accredited car adviser in Russia.

The "robot adviser" is convenient for retail investors: in order to make competent decisions focused on maximum investment efficiency, they now do not have to closely track the market and immerse themselves in large volumes of analytics. Making the investment process affordable, convenient, understandable and transparent even for those who have never had experience investing in securities is our strategic task. The robot adviser helps to competently invest with a certain premium to the market, and we will continue to improve the service. The development of new technologies in financial management is an important trend, and VTB in this regard seeks to be a market leader, noted Vladimir Potapov, Chief Executive Officer of VTB Capital Investments, Head of Brokerage Services, Senior Vice President of VTB Bank

Availability of government bond acquisitions

On October 7, 2019, VTB announced that VTB Capital Investments launched an updated version of the VTB My Investments mobile application with expanded functionality and additional capabilities.

Users have become available to purchase government bonds for the population placed by the Ministry of Finance of the Russian Federation - OFZ-n. Securities are not traded on the stock exchange, are available for purchase and sale through agent banks, one of which is VTB. The broker's commission with such an investment will be 0%, coupon income is paid twice a year and is not taxed. The amount of investments is from 10 thousand rubles.

The updated version of the application has added a calendar of coupons and dividends: their history and forecast, calculation of planned payment flows. Through the coupon calendar, you can see which bonds will be paid in the near future. There is also sorting by name and amount to receive. Customers will no longer have to count future receipts manually. The application will build a payment schedule for coupons and repayments for a specific portfolio. In this release, you can also display the nearest dividends to be paid. VTB My Investments will indicate the correct date for the purchase of shares with the receipt of dividends.

Investors will also now be able to use additional types of long-term applications: stop-loss and take-profit. Expanded descriptions of traded instruments and issuers, added hints for ease of account opening.

We are constantly working on improving our product. Creating the most convenient, simple and understandable service is our key priority. And we see a positive response to this work: the popularity of the platform is growing rapidly. In the future, its functionality will only expand, commented Vladimir Potapov, Chief Executive Officer of VTB Capital Investments, Senior Vice President of VTB, Head of Brokerage

At the beginning of October, the VTB My Investments mobile application installed more than 300 thousand people. Every month, more than 120 thousand users make at least one transaction through it. The turnover of transactions has already exceeded 2 trillion rubles. The app is available on the App Store and Google Play.

Instant brokerage account top-up

On September 13, 2019 VTB , he announced that, together with, and payment systems VISA MasterCard World implemented an instant replenishment of the brokerage account opened with VTB My Investments from the card of any. bank The maximum transaction fee is 0.4% of the total, which is one of the lowest tariffs on the market. There is no fee for replenishment from VTB cards.

The instant replenishment of the account made the investment process through the VTB My Investments mobile application even more convenient. Now the user can download it, open a brokerage account, replenish it and start transactions in the capital markets in just a few minutes.

As of September 2019, more than 100 thousand customers regularly use the application. More than three thousand new brokerage accounts are opened through it every day. The total turnover of transactions made through VTB My Investments has already exceeded 1.3 billion rubles.

{{quote 'author '= said Vladimir Potapov, Chief Executive Officer of VTB Capital Investments, Senior Vice President of VTB'|We aim to create the most convenient investment platform for our clients. The investment process with VTB My Investments becomes simple, understandable, absolutely transparent and fast. From the moment when the client has a desire to invest in the capital market, it now takes only a few minutes to realize it. Customer focus and work with digital technologies are key priorities of VTB's strategy, }}

{{quote 'author '= noted Alexey Kirichek, Head of Acquiring Department, Vice President of VTB'|Acquiring the mobile platform VTB My Investments is an important step in the development of digitalization for our bank. We always offer customers the best solutions in the market and guarantee the full security of the entire digital client path. I am sure that users will appreciate the speed and convenience of the service implemented by the bank, }}

84.5 thousand new users in July

In July 2019, 84.5 thousand users installed the VTB My Investments mobile platform. This is 4 times more than the previous month. In June, 20.4 thousand customers began to use the application. This was announced on August 9, 2019 by VTB Bank.

The turnover of transactions made in July at VTB My Investments exceeded 138 billion rubles. (+ 23% compared to June). The number of customers who made transactions in July increased by 35%, exceeding 30 thousand people. The total turnover since the launch of the application amounted to 1 trillion 267 billion rubles.

All relationships with clients, in particular, registration of services, opening accounts, accompanying transactions and even consulting, go to digital. We have created for users the most convenient mobile application that allows you to manage your own investments. As part of the bank's strategy, we are focused on a customer-centric approach and the active use of digital technologies,

The application integrates the service robo-advisor, an officially accredited car adviser in Russia. It defines the investment profile of the user and provides recommendations on the securities portfolio developed on the basis of the expertise of the VTB analytical team. In real time, the robot editor constantly monitors the state of the portfolio and, if necessary, gives advice on rebalancing. The service is convenient for retail investors: in order to make competent decisions focused on maximum investment efficiency, it is now not necessary to closely track the market and dive into large volumes of analytics.

Launch of investment consulting service

VTB Capital Investments On March 25, 2019, it announced the launch of an updated version of the VTB My Investments investment platform. According to the developers, since the launch of the service, this is one of its most significant updates. The app is already available on the App Store and Google Play.

The main innovation of the platform was the addition of an investment consulting service in accordance with the amendments to the Federal Law "On the Securities Market" that entered into force at the end of 2018. VTB clients will be able to conclude an agreement directly in the application, go through a questionnaire to determine the risk profile and connect an investment adviser (robot advisor) or personal adviser to a choice. The first of them automatically selects an individual investment portfolio of securities based on the recommendations of VTB Capital Investments experts and accompanies it 24/7. The second - works individually with each client as an investment adviser.

At the same time, the application received "smart" notifications: now, when performing any actions, customers will receive push notifications, thanks to which they will receive relevant information about the state of their portfolio and recommendations on securities. All messages are saved in the new Inbox on the Briefcase screen, and you can select individual topics in the settings.

In the platform update, the information visualization interface has also changed. "Stories" appeared on the application screen, with the help of which the user will receive tips on investing and answers to frequently asked questions in a modern format. The design of the request queue and volume indicators on the graphs, which have now become available in horizontal mode, has been updated. Functionality for feedback has been optimized - after a week of using the platform, the investor will have the opportunity to leave feedback on VTB's application and brokerage services, VTB Capital Investments said.

The developers also added options for automatically entering demo mode, setting the auto lock time and adding tools from the search window to the tracking list.

According to Vladimir Potapov, Chief Executive Officer of VTB Capital Investments, since its launch, more than 50 thousand active users have already worked with the VTB My Investments platform, who have completed a million transactions with a turnover of over 700 billion rubles.

2018: Launch of VTB My Investments platform

The brokerage services department of VTB Bank on June 18, 2018 announced the development of the VTB My Investments application, which combines the bank's brokerage services and the products of the management company. With its help, clients can perform operations in the stock, foreign exchange and derivatives markets, see the financial result of each operation and the entire portfolio, track changes in quotations of exchange-traded instruments. During the year, mutual fund assets, trust management and OTC instruments will also be available for transactions. According to the bank, by the end of the year the number of users will be about 100 thousand people, and the daily volume of operations - up to 3 billion rubles.

The flexible and native interface makes the functionality of the application understandable and easy to use for both experienced and novice investors. In addition, the Robo-Advisor service will be implemented for customers. It will help to form an individual model portfolio taking into account its investment goals, risk profile and investment term. Regular recommendations will be sent to the client based on the specific shares of each paper in his brokerage account.

Special attention is paid to security issues. Protection of confirmation of transactions and the application itself is provided by Touch ID, Face ID or Passcode technologies. It is possible to quickly solve technical issues using an online chat.

The VTB My Investments application will make it easier for customers to access investment services, including in terms of their acquisition, maintenance and prompt receipt of information. One of the top priorities facing the retail business is to further increase the loyalty and satisfaction of our customers. The launch of the application provides us with additional opportunities to improve the quality of customer service and expand the client base, "commented Anatoly Pechatnikov, Deputy President and Chairman of the VTB Board.

The VTB My Investments application was created using modern technologies so that customers can assess the speed, efficiency and convenience of investing with VTB Group. The service is focused on an individual approach to each client. The system profiles needs, personalizes information, news feed and investment proposals for the tasks of each investor, sends recommendations based on specific shares of securities from the client, "said Vladimir Potapov, Head of Brokerage Services at VTB Bank - Chief Executive Officer of VTB Capital Investments.

The VTB My Investments application is already available for installation in the App Store and Google Play.