In June 2017, a private individual opened a brokerage account and, having listened to recommendations online along with his own intuition, bought shares in the American companies General Electric, Ford Motor and United Continental. Some analysts predicted solid growth for these companies in the coming months, so the investor’s calculation was uncomplicated: wait for the […]

It is easier for young people to invest: they can take risks and invest in business, venture projects, trade currencies, and participate in initial public offerings. They have a whole life ahead of them, and possible losses from investments can be easily compensated for with newly earned money. Another thing is elderly people who have […]

The variety of financial and investment instruments can easily confuse a novice: deposits, stocks, bonds, hybrid and insurance instruments, mutual funds, options, futures, etc. All of them differ in both returns and probability of losses. All of them differ in both returns and probability of losses. Financial Instruments An investor’s experience is measured not only […]

You have a business that generates income and you are wondering where to invest your earnings. Building a new business is very risky. Depositing it is not always profitable, taking into account inflation. Making investments on your own, tracking changes in the market, will mean a big waste of time. The best option in this […]

Structured products are a ready-made investment strategy, a complex financial instrument with a fixed yield and term. Structured products allow an investor to earn more than bank deposits, both in a rising and falling market. Structured product is based on simpler financial assets (deposits, securities, currencies, precious metals, raw materials, etc.) and consists of two […]

A stock index is calculated on the basis of prices of a certain group of securities – an index basket. It may include all securities traded on the stock exchange, as well as securities selected according to a certain characteristic. The most famous indices are Dow Jones Ind. Avg. – blue chips of the U.S. […]

In various forms precious metals (gold, silver, platinum, palladium) can be included in an investment portfolio. For example, bullion bars, coins, unallocated metal accounts, units of industry funds and shares of gold mining companies, as well as derivative instruments – futures and options on gold. Bullion bars The advantage of gold bars is 100% protection […]

  There is no investment instrument that combines high yield and reliability with good liquidity. But it is possible to invest with an optimal balance between these characteristics. How to choose? It all depends on your financial goals. For example, to form a financial safety cushion you need highly liquid, reliable, but less profitable instruments. […]

Capital protection is a mechanism that allows an investor to return the invested funds at the end of the investment term. Financial instruments with capital protection are an important component of conservative and balanced strategies. These include deposits, some structured products and investment life insurance. Deposit Deposits are protected by the Deposit Insurance Agency (DIA), […]

The exchange rate depends heavily on the exchange office or bank where you make the transaction: sometimes the difference is as much as a few roubles. But the mark-up can be avoided if you exchange money directly with the help of an exchange. Let’s consider where to buy currency favorably in the article. How much […]

Why do you need a financial advisor? Today’s financial goals are diverse: buying your own house or a new apartment, preparing for the birth of a child, for the education or wedding of grown-up children, or perhaps for your own wedding or retirement. These goals differ in cost, time frame, and order of realization. Different […]

Investments in real estate have serious disadvantages: low income: the range of rates of 4-8% per annum does not change for several years; real estate is illiquid. This means that it will be difficult to sell it quickly at a good price; there is a risk to meet unscrupulous tenants; the cost of utilities and […]

Smart saving is the key to financial well-being. But how can you learn to save money and not turn into a miser? Reasonable savings – the concept is quite individual, but in any case, to come to specific figures, you need to do your homework. The first step is to prepare a family budget. It […]

The first thought of a novice investor may be: “should I use all my savings to buy shares of company X, since it is state-owned, stable and works in the oil sector”. Or: “Stocks are a risky business. Mutual funds are strictly regulated by legislation, so I will invest my savings in a mutual fund […]

Many careless investors, when the market is booming, find it hard to imagine that a fall is inevitable and can happen at the most inopportune moment. But rational and experienced investors calculate in advance how they can make money on this fall. Problems and risks If a political event changes the situation in the world, […]

There is a proverb: don’t put all your eggs in one basket. And it perfectly illustrates the main principle of investing – diversification.   To diversify means to place in your investment portfolio various financial instruments, namely: assets of different classes (stocks, bonds, etc.); assets of different industries (oil, gas, telecommunications, etc.); assets of different […]