... At the same time, it is crucial to take risks into account. All seasoned investors contemplate risk diversification. During periods of economic downturn and the waning relevance of once-popular investment instruments, choices must be made between yield and reliability. At the same time, it is essential to account for risks. During crises, experienced investors often gravitate toward currencies that may seem exotic and illiquid. For example, the British pound sterling is one of the most conservative ...

... intensified. As expected, the Federal Reserve maintained the key rate around 5.5% at its meeting on July 30. However, signs of economic slowdown increase the likelihood that the Fed might lower rates in the coming months to support business activity. Yields on long-term US Treasury bonds fell sharply following the publication of weak data—investors are shifting towards defensive instruments in anticipation of a more dovish policy. This, in turn, weakened the dollar: the DXY index retreated closer ...

... (guaranteed by the state) with high liquidity. Investors receive coupon income (usually paid semiannually) and can also profit from price appreciation. Coupons and price differences are subject to a 13% income tax. Corporate Bonds. Bonds of large companies yield an average of 10–20% per annum. Higher returns are associated with greater credit risk: companies may delay payments or go bankrupt. The liquidity of such securities depends on the issuer (higher for market leaders, lower for smaller issues). ...

... capital protection. Let us explore popular options: Bank Deposits Profitability: According to the Bank of Russia, average rates on ruble deposits from the top 10 banks in April 2025 were about 18-19% per annum. For instance, deposits for 6-12 months yield approximately 19.3% annually. Advantages: Deposits are simple and reliable, with income guaranteed by the bank and insured by the Deposit Insurance Agency (up to 1.4 million rubles). They provide fixed profits that are understandable even to beginners....

Investing in stocks can yield significant returns—this is a well-known fact for any modern individual. By maintaining your primary job, you can ensure a stable passive income and substantially increase your initial capital. Everyone knows that investing in stocks can yield ...