... article, we will explore the main legal instruments for ruble investments: their returns, risks, liquidity, and tax features. Readers will learn about deposits, bonds, stocks, funds, as well as tax advantages (IIS, NPO, IZH) and examples of a diversified portfolio. Ruble Deposits and Bonds Bank Deposits. Simple and reliable ruble deposits provide a return of approximately 12–20% per annum (depending on the bank and term). The risks are low since deposits are insured by the state (up to 1.4 million rubles)....

... RAS net profit reflects the bank’s financial result after deducting all expenses and taxes. The growth of this indicator indicates an increase in the bank’s efficiency, ability to generate profit and the sustainability of its business model. Loan portfolio: TBank: RUB 1.4 trillion (up 38% year-on-year) Total loan portfolio of TBank and Rosbank: RUB 2.7 trillion Importance and impact: An increase in the loan portfolio indicates an expansion of lending and customer confidence in the bank. This can ...

This method will allow you to obtain a larger compensation payout, which will also reduce risks. Creating an investment portfolio can be a labor-intensive task. While it is certainly possible to invest in the most popular and well-known stocks of large companies, such an approach may not provide a solid foundation for the portfolio in the long term. To build a robust portfolio,...

... weighted average of the prices of these shares. IMOEX is a key indicator of the state of the Russian stock market and serves as an important tool for analyzing market conditions, making investment decisions and evaluating the effectiveness of investment portfolios. Its value is calculated in real time during the main trading session. It is important to note that IMOEX is a price index, meaning it reflects changes in stock prices, not their fundamental value. This index, formerly known as the MICEX Index,...

... Yet, even in such scenarios, there is a risk of losing all capital. To minimize the likelihood of losses, experienced investors diversify their risks. They allocate funds across several types of securities. With proper asset allocation, an investment portfolio can generate a reasonable income. Even if one segment does not provide profits, the other investments can balance and offset the losses. So, how can investors effectively diversify risks when investing in securities? To answer this question ...