Expert VTB My Investments told why to open IIS

According to him, working with IIS can be compared to a marathon: “Investments through IIS train exposure at a long distance.” As in sports, it is important to allocate your own resources and not wait for immediate results. Accounts opened in 2026 must be kept for at least five years.

The expert recalled that the IIS allows you to receive tax benefits. You can get a tax deduction from contributions up to 400 thousand rubles a year, and under the conditions - do not pay personal income tax from investment income in the range of 30 million rubles.

In 2024, IIS of the third type (IIS-3) was introduced. With contributions to IIS-3, you can return up to 52 thousand rubles a year with personal income tax of 13% and up to 88 thousand – if the rate is 22%.

Another advantage of IIS-3 is the ability to withdraw money for expensive treatment without closing the account and losing tax benefits. It is possible to replenish IIS without restrictions, and receive payments not only on the account itself, but also on the card.

For more flexible asset management, up to three IISs can be opened simultaneously. Sumin identified three formats for working with capital at IIS. The first is self-management: the investor chooses the instruments and makes transactions. The second is to work with an investment consultant who explains the market situation and accompanies decision-making. This is especially true in conditions of high volatility. The third is trust management, when the capital is handled by a professional manager in accordance with the chosen strategy. Thus, the investor can choose the appropriate format and compare the results of different strategies, focusing on their own goals and attitude to risk.

Today, investors prefer a more balanced approach to portfolio formation and often choose conservative instruments, such as federal bonds with a maturity of three to seven years.

It is noteworthy that seven out of ten clients of VTB My Investments with IIS are from the regions. This account is chosen mainly by mature investors: 64% of clients are 40 years and older, one in five are older than 60. This generation is already thinking about the future pension, and the five-year minimum term of the IIS of the third type coincides with the usual horizon of savings.