5% state monopoly
Jackpot of a resident of the Voronezh region - the second record in a year. May in the lottery “The slogan “6 out of 45” resident of Sochi won 364,6 million rubles. The previous record was set in February 2016 by a physician from Novosibirsk, who won in “The slogan “6 out of 45” 358,3 million.
A photo: TASS / Donat Sorokin
The number of wins alone cannot be considered an indicator of the growing popularity of lotteries., says gambling expert Dmitry Slobodkin. At the same time, the expert admits, that recently the turnover of Russian lotteries has slightly increased and is at the level 12 billion rubles.
All lotteries in Russia are state. Private banned from 1 july 2014 of the year. Like all over the world, they are arranged as follows: there is a gambling organizer, there is an operator (usually a private company) and distributor.
There are two organizers in Russia - the Ministry of Sports and the Ministry of Finance. Operators are selected through a competition. There are also two of them - JSC “State sports lotteries” and LLC “Sportloto”. Largest distributor, uniting all state lotteries in Russia, - trading house “The chair”.
A photo: portal Moscow 24 / Ivan Nosatov
IN “The chair”, in addition to online sales channels, over 60 thousands of offline distribution points in each region of the country. Tickets can also be bought at the post office, in stores “Pyaterochka” and “Messenger”, sales offices “Megaphone”.
Ticket sales go towards covering the prize pool, to the state budget and to the operator. The operator keeps 45% (on costs and profits). No less 50% go to the prize fund. And the rest 5% go to the budget.
In Russia, the state from the state monopoly on lotteries throughout the Russian Federation receives only 5% of turnover - about 600 million rubles per year. This is a negligible amount, which, in fact, cannot be called a state lottery.
Dmitry Slobodkin,
gambling expert
Slobodkin cited the British National Lottery company Camelot Group as an example. According to him, deductions to the state and to charity from lottery turnover reach 37%. The operator is rewarded with 1%, 12% goes to cover the costs of the lottery (operator's salary, maintenance of a technical complex, etc.), 50% - to the prize fund.
Over the entire existence of state lotteries in Russia, more than are transferred to the state budget from them 7,5 billion rubles, cited statistics Zoya Gafarova from JSC “Trading house “The chair”. According to RBC, proceeds “The chair”, the largest distributor of lotteries in Russia, made up 10,44 billion rubles in 2016 year.
“To date, in the field of sports support and charity, state lotteries provide sponsorship to such sports federations, like the Russian Football Union, Bobsleigh Federation of Russia, Futsal association, Airplane Sports Federation. A significant contribution of state lotteries in the field of charity is also sponsoring a charitable foundation. “gift a life”. We are the general sponsor for the second year in a row “Games winners”, conducted by the fund. These are kids from all over the world, winners of oncology. We are happy to support such wonderful initiatives and consider it our mission too.”, - noted Gafarova.
Where to invest money
Vasily Solodkov, Director of the HSE Banking Institute, gave several financial recommendations to lottery winners.
The savings model has changed in Russia recently. People used to be in the black, when had deposits in foreign currency, explained the expert.
Foreign currency deposits were insured at a fairly high interest rate. Now the rate is close to zero. So you keep your money at home, that in the bank - by and large there is no difference. Moreover, if the bank's license is revoked, then you will receive a refund on the deposit in rubles at the exchange rate at the time of license revocation. Therefore, the attractiveness of this tool has decreased..
Vasily Solodkov,
Director of the HSE Banking Institute
According to the expert, now it's easier to buy a safe deposit box and put money there, rather than open a foreign currency deposit in a bank.
“If you have a large amount, which does not fit into the deposit insurance system, means, you will divide it in ruble terms by 1,4 million rubles. (No more than this amount will be refunded in case of revocation of the bank's license. - Note. ed.). Then put in several banks, go to every bank with a bag of cash. All of this presents enough headache”, - explained Mr. Solodkov.
Ruble rates are still high, but, obviously, will decline, expert predicts. However warns, that the ruble exchange rate is difficult to predict and depends on many factors, including political.
You can place in rubles, but you have to understand, that at the time of the end of the deposit it may happen like this, that the ruble will sink against the euro or dollar.
Vasily Solodkov,
Director of the HSE Banking Institute
The financier names securities as alternative investments. These are stocks and bonds. At the same time it reminds, that securities are not insured. Therefore, if for some reason this or that company suddenly declares, that will not pay on bonds or the company's shares will fall, then these will be the investor's personal problems, stresses the director of the HSE Banking Institute.
The next option is that the money can be taken to some microfinance institution, which promises profitability 30% annual, when others give 1-2%. But you need to understand, that today this organization exists, and tomorrow she's gone.
Next comes real estate, which investors always value.
Real estate is falling now. How long will she fall, I do not know. But obviously for so long, how long have you and I have reduced real incomes of the population. They shrink for the fourth consecutive year.
Vasily Solodkov,
Director of the HSE Banking Institute
“The most reliable option is to transfer a large amount of money into currency and put it in Europe, where banks are insured for 200 thousand euros, or in the USA, where on 250 one thousand dollars”, - explained Vasily Solodkov. But you have to understand, that interest rates are low, lower, than in Russia. A deposit in the West is primarily a preservation tool.
The account abroad will not be opened remotely, have to come. In addition, every year you will have to submit a declaration to your tax office on the movement of funds in a foreign account..
