... the term. In most cases, the bank will not notify the client of this adjustment, which could result in an unpleasant surprise. If the interest rate decreases, the client's earnings will be less than anticipated. While there is a possibility that the bank may raise the rate, such instances are rare. Even in environments of rising deposit profitability, financial institutions are more likely to maintain the same rate rather than increase it. When concluding a deposit agreement, it is crucial to clarify the possibility of early withdrawal. In the face of significant inflation fluctuations,...

... profits. Proper storage conditions are vital to maintaining the value of coins. Damaged items will likely be rejected by banks or purchased at a significant discount. Similarly, defective gold bars are challenging to sell at their previous price, with banks likely offering only a discount. Thus, all profits may be forfeited. When holding gold in an unallocated metal account, there is a risk of losing the investment if the bank unexpectedly ceases operations. Such accounts are not covered by deposit insurance, meaning the state will not compensate ...

... Using deduction, an investor conducts an analysis by extending fundamental data for the sector to an individual company - for example, comparing the indicators of a specific bank with the average for the banking industry, based on the general rule that banks have certain profit and capital ratios. It is important to note that fundamental analysis is focused primarily on the medium and long term. While technical analysis examines price dynamics on charts and is often used for short-term trading, the fundamental approach ...

... million rubles across various assets, depending on the risk level. Main Short-Term Instruments Short-term investments are aimed at a period of up to 1-2 years. The main priorities are high liquidity and 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 ...

... works, imagine that banks, like ordinary customers, can take loans from the Central Bank. The lower the key rate, the cheaper the money is for banks, and the higher it is, the more expensive it is. Here's how it works: When the key rate is low: It is profitable for banks to take money from the Central Bank, since the interest they pay is low. This allows them to offer loans to customers at lower rates. Available loans attract more people and companies, which increases their spending, stimulates the economy and supports ...