How to buy OFZ online: step-by-step instructions

For a person who has no experience working with stock markets, the decision to purchase federal loan bonds (OFZ) may seem difficult and incomprehensible.

This instruction is to help a beginner go through every step of the process, from making a purchase decision to generating income from your investment.

Step 1: Determine the amount to invest

Decide how much money you want to invest in OFZ.

Step 2: Select a broker

Find a reliable broker with an online platform, for example:

• Sberbank
• VTB
• Tinkoff
• Alpha Group
• Other resellers

Step 3: Register on the broker's website

1. Go to the website of the selected broker.
2. Select the section "Open an account" or "Register".
3. Fill out the form — provide the necessary data (full name, passport details, etc.).
4. Complete the identity verification (this can be done online via a video call or via a mobile app).

Step 4: Open a brokerage account

After registration, you will need to open a brokerage account through your personal account on the broker's website.

Step 5: Top up your account

1. Log in to your personal account on the broker's website.
2. Select the "Account replenishment" section.
3. Follow the instructions to transfer funds (options are often available via bank transfer or through the bank's app).

Step 6: Find the OFZ on the platform

1. Go to the Bonds section or use the search.
2. Filter or search for OFZ by parameters (for example, by maturity).

Step 7: Familiarize yourself with the characteristics of the bonds

Before buying, read the parameters of the OFZ:

• Coupon rate
• The period of circulation
• Current price

Step 8: Place an order

1. Select the bond you want to buy and click "Buy" or "Order".
2. Specify the number of bonds (you can usually buy a fractional part).
3. Select the type of order (market or limit) and confirm the purchase.

Step 9: Transaction Confirmation

After placing the application, wait for confirmation. Make sure that the bonds are displayed in your portfolio.

Step 10: Monitoring and Investment Management

Monitor the status of your investments through the broker's personal account. Pay attention to the coupon payment dates and general information about your bonds.

Step 11: Refund

After the expiration of the bonds, you will receive back the invested funds and interest.