... risk-averse investor might consider large corporate bonds with good ratings and coupons of 15–20%, diversifying investments across different issuers to reduce default risk. Stocks and Investment Funds Russian Stocks. Stocks ("risky assets") can generate income through price appreciation and dividends. Major companies such as "Sberbank," "Gazprom," "Lukoil," and "Norilsk Nickel" traditionally pay dividends (sometimes 8–12% per annum from the current price)....

... are capital investments with the aim of receiving income or other benefits in the future. In other words, you purchase, for example, a security, a share in a business or real estate, expecting that over time its value will increase or it will begin to generate regular income. A person who makes such investments is called an investor. Such investing usually implies a more long-term and active financial management than simply accumulating money in an account. Unlike regular savings, investing is associated ...

... early venture capital—simply waiting for a listing or another liquidity event. Participation in an established business. Pre-IPO offers a chance to "join" an already successful project: the company has increased its market share and may be generating profits. This aligns with the strategy of "buying income-generating assets" at a stage close to going public. Portfolio diversification. Investments in pre-IPO typically have low correlation with public stock and bond markets, making ...

... equipment supplies. The development of services for retail users is also gaining momentum. The popular crypto wallet MetaMask , which has over 100 million registered addresses, has implemented a new feature called Stablecoin Earn for passive income generation. Now holders of stablecoins (USDT, USDC, DAI) can deposit their funds directly in the app for interest, thanks to integration with the decentralized lending protocol Aave. Users no longer need to move tokens to external DeFi platforms—it's ...

... or financial difficulties arise, such as reduced income or increased debts. At times, even in favorable situations, management may decide to reinvest profits back into the business, leaving shareholders without distributions. For investors focused on generating dividend income, such a decision can be quite disappointing. First, it means they miss out on anticipated investment income. Second, the stock price may not rise, as part of the company's appeal for investors was precisely the dividend payout....