... that define savvy investors in today's economy. Last year, a record increase in individual investors was recorded on the Moscow Exchange. Currently, approximately 10 trillion rubles are stored in brokerage accounts. Low interest rates on deposits, the depreciation of the ruble, and an increase in financial literacy are all driving people to seek new opportunities to grow their wealth. However, regardless of how impressive these figures may be, the number of investors on the exchange accounts for only about 6.5% of the ...

... This means that any potential profit is largely consumed by inflation fluctuations. For clarity, let's consider the entire process with numbers. For example, if one deposits 1 million rubles in a bank expecting to earn 180,000 rubles annually or 15,000 rubles monthly, this appears to be a decent sum on which to live. However, the invested million will depreciate each year. Recently, it might have been possible to buy a small apartment with that amount; in the not-too-distant future, it may only be enough to rent a room in a hostel on the outskirts of the city. Even surviving on the 15,000 rubles may ...

... the new U.S. president plans to ease restrictions on drilling operations. Additionally, the increase in oil production in Guyana and Brazil will have an impact. "However, the risks of reduced oil and gas revenues will be partly offset by the depreciation of the ruble, which will lead to an increase in the cost of oil in ruble terms. Another favorable factor for the budget will be the very structure of oil and gas revenues. According to the Ministry of Finance, in the first 11 months of 2024, 83% of oil and gas ...

... in Russia, during which exporters typically sell foreign currency revenue to pay taxes, supporting the ruble's exchange rate. It is expected that after this period ends, the currency supply on the market may decrease, creating conditions for a modest ruble depreciation in early August. Experts note that the exchange rate of the Russian currency is likely to remain relatively stable in the near term. Specifically, several analysts estimate that the U.S. dollar may trade around 78–82 rubles per $1, while ...

... raising the key interest rate, making loans more expensive for the population. As many Russians purchase vehicles on credit, the increased cost of borrowing leads to a decline in the number of transactions. Fluctuations in the ruble exchange rate. The depreciation of the ruble against foreign currencies increases the cost of imported components. In the automotive industry, where the share of imported parts remains high, this leads to an increase in the production cost of vehicles. Low income levels. In recent years, the ...