ANALYSIS OF THE EFFICIENCY OF USE OF READY INVESTMENT SOLUTIONS ON THE EXAMPLE OF PJSC “SBERBANK”

Abstract

The article discusses alternative ways of investing their own funds for a long term for individuals, alternative to a bank deposit. For example, ready-made investment solutions that can be considered an intermediate type of investment between independent trading and trust management. A structured product is based on simpler financial assets and consists of several parts, each of which performs its own function, protective or investment. The structure of the product may include deposits, securities, currencies, precious metals, raw materials and other assets, as well as derivatives on them. The variety of such solutions allows the investor to invest in various assets, choose the level of profitability, timing and even the degree of risk. They also have an accessible entry threshold. The purpose of the study is to study ready-made long-term investment solutions for individuals and make recommendations for their application. The analysis uses structured long-term investment products offered by Sberbank. According to the indicators of the coefficients, an integral report is drawn up, which includes indicators for all types of ready-made investment decisions, among which the most attractive instruments for investment are distinguished. The paper builds a model for assessing the investment attractiveness and profitability of ready-made investment solutions offered by Sberbank for individuals and gives recommendations on the use of structured products as personal investments. A complete analysis of ready-made investment decisions has been carried out, and based on the constructed model, several financial instruments can be identified that are suitable for investors who prefer strategies with low, medium or high risk.