... 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,...

... When purchasing coins, it is best to avoid the smallest denominations as their prices are typically inflated due to production costs. Very large coins should also be avoided as their value remains stable without significant growth, limiting potential 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,...

... taken into account when assessing the prospects of an asset. Deduction. The deductive method is the opposite of induction. It uses general patterns to analyze a specific case. For example, it is known that rising raw material prices reduce producers' profits, so having seen a significant increase in the price of oil, a fundamental analyst will predict a decrease in the company's oil refining margins. Another example: general market valuations (multipliers) for the banking sector differ from those for the technology sector. 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 ...

... 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 and reliable, with income guaranteed ...

What is the Central Bank's key rate and how does it affect our daily lives? In simple terms, we will explain ... ... helps control inflation, stimulate the economy and affects loans, deposits and prices of goods. This article will help you understand how the Central Bank's decisions affect... ... 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...