... Portfolio: A Practical Guide What is Diversification and Why is it Important? Diversification is one of the key principles of risk management in investing. It involves spreading investments across different assets, which reduces the risk of losses and ensures ... ... diversification. Investors often allocate their investments among stocks of companies from various sectors, such as energy, finance, technology, and consumer goods. For example, you may include shares of major Russian companies like Sberbank or Lukoil ...

... pay attention to: Stable profit growth: An increase in the net profit of both banks indicates their financial stability and management efficiency. Loan portfolio expansion: Significant growth in the loan portfolio may lead to an increase in interest ... ... Attracting customer funds: Growing deposits and funds in customer accounts strengthens the banks' liquidity and their ability to finance further growth. Integration and synergies: The merger of TBank and Rosbank may lead to operational synergies, cost reduction ...

... and specialists from various industries. Mentors assist startups in refining their business models, addressing technical and management challenges, and preparing for fundraising. Intensive 3-Month Programs The core accelerator program lasts three months ... ... is provided under standard terms in exchange for 7% equity, and the remaining $375,000 is offered as conditional additional financing (SAFE - Simple Agreement for Future Equity). Training and Mentorship: Within the program, startups receive regular consultations ...

... The enterprise has a tax, financial, and credit history. Such a company is more readily granted products on credit terms and financing, and it does not halt operations due to a lack of funds. With the purchase of a business, all primary and costly phases ... ... saying goes: "a new broom sweeps clean." Therefore, employees usually react negatively to changes in ownership or management. This inevitably affects the company's operations. Outdated equipment. An enterprise that has been operational for ...

... share my advice: money is a tool to enhance life, not an end goal. Discover how to maintain financial discipline while enjoying life. Excessive Frugality: Why It Can Harm Your Health and Happiness Frugality is a valuable trait that helps individuals manage their finances wisely and build a financial cushion for the future. However, excessive frugality can become problematic, leading to anxiety, social isolation, and a diminished quality of life. In this article, we will explore why excessive frugality can be ...