... offer lower rates compared to smaller commercial banks. This enables smaller organizations to attract a significant amount of individual funds, thereby ensuring their profitability. A rate that exceeds the market average may indicate the following: Market ... ... institution may transfer ownership to third parties, facilitating the withdrawal of funds through controlled firms to offshore accounts. As a result, depositors may lose all their funds. Only the last two points pose a threat to potential investors, threatening the complete loss of all invested funds. Therefore, it is crucial to independently monitor the market and compare offerings from different financial institutions,...

... Balances on accounts of legal entities and individuals in banks. Term deposits and savings accounts. The increase in money supply may be connected with the Central Bank's actions... .... Growth in domestic lending. Banks became more active in lending to businesses and individuals, which increased the money volume in the economy. Inflation. Rising price... ... economic activity. A larger volume of money in circulation can promote consumption and investment growth. Supporting liquidity. An increase in the money supply helps avoid...

... deposits. OFZ come in small denominations (from 1,000 ₽), and can be purchased through a broker. Taxation. Coupon income from bonds is subject to PIT of 13% (15% if total income exceeds 5 million ₽ per year). However, bonds can be purchased via an Individual Investment Account (IIA) to receive a 13% tax deduction (or 15% for business growth investment amounts up to 400,000 ₽), which enhances net yields by the amount of the deduction. Additionally, some OFZ with floating coupons (OFZ-PC) are tied to the RUONIA rate,...

... or home repairs. It is important to remember that a financial safety net is not an investment or funds for large purchases. It is specifically a reserve intended for emergencies... ... Your Financial Safety Net? The optimal size of a financial safety net depends on your individual situation and level of expenses. It is generally recommended to have savings... ... rent, utilities, groceries, transportation, and medical costs in your calculations. Account for Individual Circumstances. If you have an unstable income, it may be wise...

... Securities According to Sergey Tereshkin, currently, there are only a few methods of acquiring securities that are convenient for individuals. These include: brokers; mutual funds; insurance companies. To make an informed decision, it is essential to consider each of these methods in detail. Brokers Brokerage firms are one of the most common and accessible methods for investing in securities. To do this, one must enter into an official agreement with the organization, fund the account with a specified amount, install specialized software, and directly purchase the securities. The trading terminal allows ...