Frequently Asked Questions
Bonds
A bond (in Latin: obligation) is a debt security which confirms the bondholder’s right to get from the issuer the par value together with interest at a specific time.
The bonds issued by Evocabank will be listed on the Armenian Stock Exchange. You can buy or sell them at any time.
Bonds are more efficient and rewarding securities. They have a number of advantages. Income from bonds is exempt from income tax and non-resident income tax. In case of selling the bonds, you keep the accrued interest.
Bonds are also guaranteed.
Under the RA law On Guaranteeing Compensation of Bank Deposits of Individuals, funds raised from bond issuance are considered guaranteed bank deposits and thus they are also guaranteed by the Deposit Guarantee Fund.
To buy bonds, you need to:
Visit any Bank office, fill out the application for bonds purchase, enter the sum to the special account or do it online from anywhere in the world at any time.
Surely, you can.
Like deposits, bonds can serve as collateral for short-term loans.
The loan will be provided for the term no longer than the bond maturity: bond nominal interest rate +2%, specifically, for AMD bonds - 12%, USD bonds - 7.5% per annum.
Potential investors in bonds can get additional information on terms and other details of the electronic version of the bond prospectus (registered pursuant to decision of the CBA chairman #1/562A dated 07.10.2020) here.
A stock is a security that represents ownership in a company. When purchasing a stock, the investor becomes a partial owner of the company and may earn profit from an increase in the stock price or from dividends paid by the company. The value of stocks may fluctuate depending on market demand, company performance, and economic conditions.
A bond is a debt security. When purchasing a bond, you effectively lend money to a company or government for a fixed period and receive predictable interest income in return.
An ETF (Exchange Traded Fund) is an investment fund that is traded on an exchange like a regular stock. It usually combines multiple assets into one instrument, such as stocks, bonds, or an entire index.
Stocks are linked to a single company and generally offer higher return potential, but also higher risk.
Bonds are typically more stable instruments and can provide predictable interest income.
ETFs allow investing in multiple assets through a single instrument, which often helps diversify risk.
Yes, of course.
You need to log into the EvocTOUCH app, go to the “Accounts” section, select “Brokerage Account,” and complete the process entirely online in just a few steps.
U.S., European, and Asian stock exchanges, offering access to stocks, bonds, eurobonds, and ETFs.
Yes. Many investors do exactly that — combining stocks, bonds, and ETFs in their portfolio to balance risk and potential return.
In the Trade section of EvocaINVEST, enter the company name or ticker in the search field, select the security, and place a buy order directly from the same screen.
A limit order is executed only at your specified price or better. It helps control the execution price but may not be filled if the market does not reach that price.
A market order is executed at the best available market price at the time. It is usually faster but the final price may differ from expectations, especially during high volatility.
A ticker is a short symbol used to identify a security on an exchange. For example, Apple’s ticker is AAPL, and Google’s is GOOGL.
A dividend is a portion of a company’s profit distributed to shareholders. Not all stocks pay dividends, and payments depend on the company’s policy.
Yes. EvocaINVEST accepts orders 24/7. Orders placed outside trading hours are queued and executed automatically when the market opens.
Diversification means spreading your investments across different instruments, sectors, or markets so that the decline of one asset has minimal impact on the overall portfolio.
You can place a sell order at any time. If the market is open and there is a matching offer, the order may be executed immediately or according to your order conditions.
This depends on the selected market and instrument. Different securities may be traded in different currencies, such as AMD, USD, or EUR.
Security prices may rise or fall depending on market conditions. Before investing, it is important to understand that not only profits are possible, but losses may also occur.
