... availability of credit and the overall economic situation. How Basis Points are Applied in Practice 1. Impact on Bond Yields: Bond yields can be adjusted by just a few basis points, and this can represent 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 ...

Government bonds, or OVGZ, represent an investment instrument that currently stands as one of the safest ways to allocate funds. While it is far from being perfect, it is challenging to find better options at this moment. Domestic government bonds, or OGVZ, represent ...

... offered by bank deposits. 1. Bonds: A Capital Preservation Alternative One of the best alternatives for those seeking reliability and stability is bonds. Unlike deposits, they provide fixed income and allow for profit even in unstable economic conditions. Government Bonds (OFZ): A reliable instrument for those seeking stable investments. Government bonds have low risk, and their returns are often higher than bank deposits, especially in times of high key interest rates. Corporate Bonds: Suitable for investors willing ...

... investments and believes in the growth potential of the companies. Bonds Bonds are more stable assets compared to stocks, but their yields depend on current interest rates. In unstable market conditions, it is advisable to consider the following types of bonds: Government bonds. Government bonds, especially from high credit-rating countries, are considered the safest assets. During a crisis, their demand typically increases, leading to lower yields. Corporate bonds. While they offer higher yields compared to ...

... risks are low since deposits are insured by the state (up to 1.4 million rubles). However, inflation (around 7–8%) and a 13% tax on interest income reduce real profits. Liquidity is low: early withdrawal results in the loss of part of the interest. Government Bonds (OFZ). Russian OFZs offer a return of about 15–18% per annum (depending on the term). These are relatively low-risk securities (guaranteed by the state) with high liquidity. Investors receive coupon income (usually paid semiannually) and can also ...