Alfa-Finance: reviews, services

Many Russian banks offer their clients, along with deposits, additional tools for generating revenue. Some of them can be based on investing in real assets of businesses. Among them are the Alfa-Finance program. What is its specificity? What profitability from participation in it can be expected?

General information about Alfa-Finance

"Alfa-Finance" is an investment program from Alfa-Bank, initiated in 2010 and open to the participation of depositors until now. It is more correct to write its name together - "AlphaFinance", but in Russia there is a separate spelling. What is the specificity of the relevant initiative?

Judging by public information, through a program of Alfa-Finance, a bank with a consonant name attracts private funds to invest in assets of real companies. In this they are probably the principal difference from mutual funds, where financial instruments, in particular, can be commodity and financial exchanges. The profitability of participation in the corresponding program can potentially be greater than when placing money on bank deposits.

It can be noted the breadth of the geography of the presence of the Alfa-Finance program: Voronezh, Yaroslavl, Moscow and other large cities have branches of the respective bank. There, depositors can formalize their investment contracts.

Program Benefits

The advantages of using such a financial instrument as "Alfa-Finance", the bank that initiated it, sees the following:

- the program guarantees the safety of depositors' cash, even if their total amount exceeds 1.4 million rubles (the limit set by the state of the refundable deposits in case of bankruptcy of the credit institution);

- The private investor transfers resources to experienced financial specialists, but at the same time has the opportunity to participate in the selection of the optimal tool for extracting income;

- profit can reach about 25-30% per annum and even more.

The main element of the Alfa-Finance program is the investment strategy. At the moment, the bank that developed the relevant financial instrument, offers the customer a choice of 7 such. Let's consider their specificity.

Strategy "Pharmaceutical companies"

This strategy, proposed by the Alfa-Finance program (reviews of many experts characterize it on the positive side), involves investing in the assets of enterprises that manufacture drugs. According to the financiers, the relevant market segment is among the most promising, as the demand for quality medical products always remains stable. Within the framework of the Alfa-Finance program, it is planned to invest in shares of the world's leading pharmaceutical corporations. Among them are:

- NOVARTIS.

- Novo Nordisk.

- Celgene.

- Gilead.

- SANOFI.

- GlaxoSmithKline.

What are they famous for?

NOVARTIS, by some estimates, is the world's second largest pharmaceutical corporation in terms of capitalization. It is known for producing popular products "Teraflu", "Tavegil", "Fenistil", "Lamizil", the demand for which remains high in many countries of the world.

Novo Nordisk is known as the world's largest insulin producer. The brand Celgene produces drugs for the treatment of cancer and problems with the immune system. Gilead Corporation develops medicines against HIV infection. SANOFI produces the widest range of products, including Essentiale, Festal, Bronchicum, Magne B6, and Sofraxd. The GlaxoSmithKline brand produces vaccines, antiviral drugs - Panadol, Solpadein, and Coldrex.

"The largest US companies"

Another strategy, proposed within the framework of investments by Alfa-Finance (analysts' reviews also include a very positive assessment of it), is called "The largest US companies". The acquisition of assets of corporations included in the S & P 500 index is expected, the total profitability of which is estimated at trillions of dollars. Among such firms:

- Johnson & Johnson.

- Chevron.

- JPMorgan Chase.

- ExxonMobil.

- General Electric.

- Procter & Gamble.

Each of these brands is well known in Russia. Johnson & Johnson, as part of several large businesses, produces hygiene products, medical equipment, medicines. Chevron Corporation is among the world's giants of the oil and gas industry. JPMorgan Chase Bank is characterized by excellent stability indicators, despite the instability that is observed in a number of segments of the global financial system. ExxonMobil is another energy giant, one of the most expensive corporations in the world. General Electric Company actively invests in perspective businesses of its profile. Procter & Gamble Corporation occupies about 25% of the world market in the segment of consumer goods.

"Innovative IT-companies"

Another notable strategy of Alfa-Finance (reviews of financial analysts on it are also very positive) - "Innovative IT-companies." Assumes investments in the assets of the largest corporations:

- Apple.

- Google.

- Samsung.

- Microsoft.

- "Yandex".

- Facebook.

Each of them, despite its impressive turnover, has a good potential for further growth, experts believe. The shares of many companies listed on the list showed an annual growth of about 40-50%.

"Developing countries"

Another strategy proposed within the framework of the Alfa-Finance program (investors' reviews characterize it as one of the most promising ones) is "Developing Countries". Assumes investment in the assets of enterprises operating in states with growing markets. In particular:

- in Taiwan;

- in Hong Kong;

- in Mexico;

- in Malaysia;

- in South Africa;

- in Indonesia.

Many of the economies of these countries are growing much faster than the economic systems of the most developed countries of the world. At the same time, they have all the necessary infrastructure and resources for further sustainable growth. Many world investors prefer to invest in business in developing countries, where there are all prospects to achieve the highest profitability of enterprises.

"Consumer goods"

The strategy "Goods of daily demand", offered to the participants of the Alfa-Finance program, may seem quite unusual. Moscow - among the leading economic centers in Europe, but even experienced metropolitan analysts note the originality of the concept proposed by Alfa-Bank.

The strategy in question involves investing in the assets of corporations that produce, in fact, those goods that are in demand by people almost every day: hygiene products, food, beverages. Among the leading players in this market segment:

- Nestle.

- McDonald's.

- Coca-Cola.

- Pfizer.

- Unilever.

- Colgate-Palmolive.

Demand for the products of these corporations remains stable, as does the potential income of participants in the Alfa-Finance program.

"Blue chips"

This strategy involves investing in the largest Russian corporations, which are, in fact, the locomotives of the Russian national economy. Among them are:

- NOVATEK, which operates in the oil and gas sector.

- LUKOIL, one of the most famous brands in the production of automotive fuel.

- Bashneft, the other largest oil corporation.

- Surgutneftegaz is one of the leaders of the Russian oil and gas market.

- EVRAZ, one of the world's largest steel producers.

- Polymetal is among the world's leaders in the extraction of gold, silver and copper.

Despite the current crisis in the Russian economy, these corporations remain stable. Investments in their assets, thus, can be characterized by quite good profitability. Many investors note that now, while shares of leading Russian companies are relatively cheap, you can invest in them in order to get an excellent increase in capital on the fact of the emergence of the general stock market of the Russian Federation on the path of sustainable growth.

"Valuable metals"

Another strategy offered to the participants of the Alfa-Finance program is "Valuable metals". Invest, therefore, will be in them, or rather, in their market quotes. As Alfa-Bank experts note, the advantage of investing in precious metals is their historical resistance to all kinds of crises. Despite the volatility of the relevant quotations, gold, silver and platinum (those metals in which investment is supposed to be) will always be priced because their world reserves are limited, and demand does not disappear anywhere. Dragmetals, as experts say, are protected from inflation and the consequences of political instability. Analysts characterize the corresponding strategy proposed by Alfa-Bank as one of the most balanced in terms of profitability and sustainability of assets that are the objects of investment of investment funds.

Program Evaluation and Feedback

How promising are investments in the Alfa-Finance program? Opinions on this subject are expressed by both participants and financial analysts. Assessments of citizens and representatives of the expert environment can be divided into those that:

- reflect the assessment of investment prospects;

- concern the quality of the service of Alfa-Bank in terms of communications with the clients of the program;

- associated with the assessment, in fact, the concept proposed by the financial institution, with the definition of the degree of confidence in it.

As for the investment prospects, citizens characterize the program as quite attractive. Many note that they considered participation in it not as the main method of extracting income, but along with, for example, placing money on bank deposits, since the profitability from the corresponding investments is comparable to that characteristic of traditional deposits. It is completely impractical, therefore, to take a loan for participation in the Alfa-Finance program - its rates will be higher than the probable return on investment.

The quality of service of the relevant banking institution is estimated by its clients quite positively. The hot line of "Alfa-Finance" functions, according to citizens, correctly. It does not matter which city the brand is in. Actually, the geography of the program services coincides with the one where the bank that initiated the Alfa-Finance program is in charge. In Taganrog, Voronezh, Yaroslavl - in those cities where there is a brand, you can become an investor. The quality of service is quite the same, regardless of the actual geography of the bank's work. If the city in which the citizen invests in the framework of participation in Alfa-Finance, Voronezh, then there will be no problems with obtaining the necessary information regarding this program, no less than when the investor is in Taganrog or Yaroslavl. Difficulties with feedback are also not typical for communications between Alfa-Bank and customers. If a person wishes to ask a question about the program that Alfa-Finance established, the contacts of the nearest offices of the institution are always available online.

Reliability as the most important criterion

As for the evaluation of the concept proposed by Alfa-Bank, it seems quite promising to investors. Investments in the assets of real corporations or in precious metals by many analysts are seen as much more reliable ways of earning than, say, currency trading. Stability of the extraction of income can predispose the stability, which is characterized by the initiating program of Alfa-Finance Bank. He revoked the license, according to experts, it just can not be, due to the fact that its financial stability indicators are among the most optimal in the Russian banking market. Alfa-Bank is one of the largest Russian credit organizations.