... (such as trading, transaction, and ongoing costs) are three factors that can affect the real rate of return on your investments. There are specific options that can help reduce costs, including inflation-protected instruments like index-linked bonds (debt securities where both the principal and interest payments are tied to a specific price index, often the UK Retail Price Index) or holdings in commercial real estate, where rent can often be increased in line with inflation rates. Risk Diversification ...

... important to note that the number of customers using four or more products has grown by 30%, which indicates a growing dependence of users on the MTS ecosystem. What investors should pay attention to: Rising interest expenses: MTS is facing increasing debt servicing costs, which is putting pressure on net income. Investors should take this factor into account and analyze how the company plans to reduce interest expenses in the future. Ecosystem strategy: MTS is actively expanding its product ecosystem,...

... a significant change. For instance, if the yield on government bonds increases from 2.00% to 2.05%, this change amounts to 5 basis points. 2. Spreads and the Yield Curve: Basis points are also used to calculate the yield difference (spread) between debt instruments of varying maturities. For example, if the yield on two-year bonds is 2.70% (270 bps) and that of ten-year bonds is 2.88% (288 bps), the spread equals 18 bps. The spread helps assess how expected short-term asset yields differ from long-term ...

... businesses. Add international company stocks to your portfolio to reduce reliance on the US market. ✔ Monitor Fundamental Indicators Not all tech companies justify their market capitalization. It is important to analyze revenue growth, profitability, and debt levels. ✔ Prepare for Potential Corrections History shows that high market concentration can precede sharp declines. It is important to maintain liquidity reserves and risk management strategies, including the use of stop-losses. ✔ Invest for ...

... Simply put, ROE reveals how quickly shareholders receive returns. The minimum period for which Buffett assesses return on equity is five years, but he often analyzes a ten-year time frame. 3. The debt-to-equity ratio (D/E) characterizes a company's debt burden. Few companies can do without borrowed capital at some points. However, a large share of borrowed funds in asset financing typically indicates that the company's performance is lacking. The higher the D/E ratio, the more financially stable ...