... helps preserve and increase capital. This article examines legal investment instruments in the ruble zone and abroad available to Russian investors with holding periods of up to three years. We will compare their yields, risks, liquidity, and taxation features, and provide examples of diversified portfolios totaling 1 million ₽. Bank Deposits and Accounts Yield. Ruble deposits remain one of the conservative instruments: major banks offer rates around 16–24% per annum (depending on the term). According ...

... communal time off remain in public memory. While a political undertone lay behind the festive facade, for ordinary people, May 1st symbolized joy, the beginning of warm days, and a sense of community. Soviet May Day continued to evolve, acquiring new features. In the 1930s, the celebrations showcased the country's achievements; for instance, on May 1, 1933, the first air parade over Red Square was held to demonstrate the power of Soviet aviation. After the war, in the 1950s, the celebration was broadcast ...

..., 80% of Russian entrepreneurs surveyed (121 respondents participated in the survey) said that they started their business to become their own owner, and that their own business enhances the feeling of independence and freedom. The 10 most important features of successful entrepreneurs: Dream . Entrepreneurs have an idea of ​ ​ their future and the future of their companies. And more importantly, they are able to make their dreams come true. If you once communicated with me on the topic of entrepreneurship ...

... Investment, which are grounded in ESG factors. Not all retail investors are ready to purchase Tesla stocks due to the high entry price; however, there are still other companies in this sector worthy of attention. In addition to NIO, American stock exchanges feature Chinese EV manufacturers such as Kandi Technologies and Li Auto, as well as American company Lordstown Motors. As always, it is essential to maintain critical thinking, as speculative price spikes can occur with shares, which may subsequently ...

... your goals. In due time, you will likely find yourself able to afford luxuries through investment income rather than through credit. One of the best solutions to enable calm and systematic investing and saving is to automate the process. Banks offer features to link "savings jars" to accounts and cards, while Google Play and the App Store provide a variety of investment apps. In the initial stages, automation will simplify the task of saving, making it easier to adjust to a lifestyle with ...