... slow temporarily. As monetary policy normalizes (projected by 2026–2027 as inflation abates), the banking sector should be well-positioned, benefiting both from clients’ higher incomes and from lower funding costs. Bonds (OFZ) and Inflation For institutional investors, rising wages by itself is not a direct driver for the bond market, but the accompanying macro conditions (inflation and central bank policy) are key. In 2025, when nominal incomes are climbing at a record pace, inflation is still elevated – ...

... Over the past five years, the average age of investors has decreased by one year, with the average age of newcomers being under 35 years. In contrast, professional investors have an average age of about 40 years. Who Attracts Investors Nowadays, retail investors are mainly attracted by financial institutions, particularly banks that have either developed or utilized existing mobile applications. These platforms have engaged the younger generation of investors. This influx of fresh participants has breathed new life into retail investing. However,...

... if they hold assets in affected currencies or sectors. Statements on inflation and economic resilience will be particularly relevant for those holding European and U.S.-based securities. U.S. API Oil Inventories At 00:30 GMT, the American Petroleum Institute (API) will release data on U.S. oil inventories. Changes in inventory levels can influence oil prices, an important factor for energy investors. Impact on Markets: Lower inventories may boost oil prices, benefiting energy stocks, while higher inventories could place downward pressure on prices. Given the global significance of oil, these data can also indirectly influence other energy-dependent ...

... precious metals Initially, trades are expected to occur mainly between legal entities—major market players. This is due to the high value of lots: for example, 1 kg of gold currently costs over 8 million rubles. Therefore, the new mechanism is aimed at institutional and wholesale buyers, while individual investors typically prefer to invest in gold through unallocated metal accounts, exchange-traded funds, or futures rather than purchasing bars directly. National Pricing Instead of London Pricing The primary strategic goal of establishing the new exchange ...

... lender. It is worth noting that banks rarely issue loans for starting a business - when the enterprise does not yet have a history of activity - and under strict conditions. Beginners often have to start developing at their own expense, support from investors or government programs until they have built up a positive business reputation. It should be remembered that business lending conditions may differ in different organizations. Some institutions are ready to work with young companies and participate in government support programs (for example, a reduced rate for small businesses), while others only lend to businesses with an annual turnover of a certain amount. In some places, a ...