How to buy Xiaomi shares through Tinkoff: a complete guide for beginners

Xiaomi is one of China's most dynamic tech giants, whose shares are attracting investors around the world. If you want to become a co-owner of a company that makes smartphones, smart appliances and electric cars, but you don't know where to start, this guide is for you. In this article, we will discuss how to buy Xiaomi shares through Tinkoff Investments, what nuances to consider and what to look for before the first transaction.

Broker Tinkoff offers one of the most convenient ways to go public for private investors in Russia. 1810.HK On the Hong Kong Stock Exchange, without complex procedures, but with a number of restrictions, we will show you Step-by-step how to open an account, replenish it, find shares and make a purchase, and we will also talk about hidden fees, tax consequences and alternative platforms.

1.Why are Xiaomi stocks of interest to investors in 2026?

Xiaomi is no longer just a low-end smartphone maker, and today it is an ecosystem of more than 400 categories of smart devices, from robot vacuum cleaners to electric vehicles, and these are the key factors that make stocks attractive:

• 📱 Leadership in the smartphone market: Xiaomi is in the top-3 Global manufacturers (according to Counterpoint Research) have overtaken Apple in some regions.
• 🚗 Electric cars: the launch of the Xiaomi model SU7 In 2026, he opened a new segment of growth – the automotive industry.
• 🌍 Global expansion: the company is actively displacing competitors in Europe, Latin America and Africa.
• 💰 Dividends: Xiaomi began paying dividends to shareholders from 2023 (last payment is 0.05) HKD share).

But there are risks: dependency on chip shipments, geopolitical tensions (especially in China-US relations), and high volatility on the Hong Kong stock exchange: Xiaomi’s stock prices could fluctuate by 10-15% per month in 2026, the norm for tech companies, but require risk-taking.

2.Can I buy Xiaomi shares through Tinkoff?

Yes, but with reservations, Tinkoff Investments gives access to the Hong Kong Stock Exchange (HKEX), where Xiaomi shares are traded under ticker 1810.HK. However, there are important limitations:

• 🔒 Qualified Investors Only: From 2022, the purchase of foreign shares in Tinkoff is available only if you are a qualified investor (or through a trusted management).
• 💳 Foreign exchange transactions: transactions are carried out in Hong Kong dollars (HKD), Therefore, you will need to convert rubles.
• 📄 Documents: You must fill out a questionnaire W-8BEN For U.S. tax purposes (even if the stock is not U.S. stock).

If you don't already have qualified investor status, you can get it in Tinkoff by confirming your trading experience or passing testing, and the alternative is to buy shares through an IIS (Individual Investment Account), but this imposes restrictions on withdrawals.

3. Step-by-step instructions: how to buy Xiaomi shares in Tinkoff

If you are already a Tinkoff client and have qualified investor status, follow this algorithm:

Step 1: Opening an account

If you do not have a brokerage account in Tinkoff:

1. Download the Tinkoff Investment app (available for iOS and Android).
2. Passport registration (you will need a photo of the document and a selfie).
3. Choose the type of account: brokerage (for free trade) or IIS (for tax benefits).
4. Confirm the status of a qualified investor (in the Profile section) → Settings → Qualified Investor).

Step 2: Replenishment and conversion

Before buying shares, Xiaomi needs to:

1. To replenish the account in rubles (through a bank transfer or Tinkoff card).
2. Convert Rubles into Hong Kong Dollars (HKD) The conversion rate will include a Tinkoff fee (usually 0.5–1%).

Attention, minimum amount for the purchase of shares on HKEX — 1 HKD (about 9000-10000 R depending on the course).

Step 3: Search and Buy Stocks

To find Xiaomi shares:

1. Open the Trade section in the app.
2. In the search bar, enter a ticker 1810.HK The name of Xiaomi Corporation.
3. Click Buy, specify the number of shares or the amount in HKD.
4. Choose the type of application: market (buy at the current price) or limit (indicate the desired price).
5. Confirm the deal.

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If you are buying stocks for the first time, start with a small amount (like 1-2 shares) to understand the mechanics of trading and commission.

4. commissions and hidden charges when buying Xiaomi

When buying Xiaomi shares through Tinkoff, consider the following costs:

Example: if you buy shares at 50,000 R, the total fees are about 300-600 R (excluding taxes), which is 0.6-1.2% of the amount — not critical for long-term investments, but significant for short-term transactions.

⚠️ Note: When buying shares on the Hong Kong Stock Exchange, Tinkoff charges an additional fee for holding foreign securities - 0.01% of the portfolio value per month (but at least 1). USD).

5. Alternative ways to buy Xiaomi shares

If Tinkoff is not suitable for some reason, consider other platforms:

• 🏦 VTB My Investments: also provides access HKEX, but with higher commissions (0.1% instead of 0.05%).
• 🌍 Interactive Brokers: An international broker with Xiaomi access and lower fees, but a complex interface for beginners.
• 📱 eToro: allows you to buy shares without commissions, but only in the form of CFD (Contracts for Differences, which is risky.
• 💼 Through funds: Some mutual funds (e.g. from Sber Asset Management) include Xiaomi in their portfolio.

Platform comparison:

⚠️ Note: When buying through foreign brokers (e.g. Interactive Brokers), you will need to open a foreign bank account and confirm the source of income.

6. Risks and tax consequences

Before buying Xiaomi shares, consider the following risks:

• 📉 Volatility: Xiaomi shares may fall by 20-30% in the quarter (for example, in 2022 they lost 40% of value).
• 🌐 Geopolitics: Tensions between China and the US could lead to restrictions on Chinese equities trading.
• 💸 Taxes: profits from the sale of shares are taxed on personal income tax of 13% (for residents of the Russian Federation.
• 🔄 Liquidity: on HKEX The spread (the difference between the purchase and sale price) may be wider than on US exchanges.

Tax nuances:

• If you hold the stock for more than 3 years, the tax rate is reduced to 0% (provided you don’t sell more than R3 million per year).
• Xiaomi dividends taxed 13% in Russia + 20% in Hong Kong (but there is a double tax treaty between the two countries).

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Before buying Xiaomi shares, make sure to check whether the company is under US or EU sanctions.In 2026, Xiaomi is not blacklisted, but that may change.

7.Strategies for investing in Xiaomi

Decide for what purpose you are buying shares:

• 🕒 Long-term investment (3)+ This is a good idea if you believe in Xiaomi’s growth as a global brand, and it’s best to buy on the downside (for example, if you’re 15-20 corrections%).
• 📈 Medium-term trading (several months): You can catch waves on news (for example, the release of new smartphone models or sales reports).
• 💰 Xiaomi pays dividends once a year, but their size is still modest (~0.5–1% of the value of the share).

Beginners' advice: use split purchases (e.g. buy shares in parts once a month) to reduce the risk of buying at the peak of the price. In Tinkoff, you can set up an auto purchase through the Tinkoff Investments service. → Auto-investment.

Example of crushing:

Thus, the average purchase price will be ~12.5 HKD, below peak.

FAQ: Frequent questions about buying Xiaomi shares