... just one asset. Yet, the most popular advice that a retail investor receives is to do the opposite: to maintain a broadly diversified portfolio of assets. 2. The stock market can be overvalued, yet it can become even more overvalued before it begins to decline. And even when it is already falling, it may still be at levels higher than they are today. 3. We build our plans based on average indicators—average stock market returns, average loan rates, average levels of inflation—while each of us lives ...

... special funds, you can start with small investments. Despite the economic crisis triggered by the pandemic in 2020, the real estate markets in many countries around the world experienced an unprecedented surge. In times of uncertainty, coupled with declining deposit rates in banks, individuals tend to seek alternative investment options, with real estate being one of the most comprehensible choices. Moreover, investing in real estate does not necessarily require large sums of money. Thanks to specialized ...

... Estimates from Edwin Elton and Martin Gruber suggest that the average risk of a portfolio with a single asset stands at 49.2%, while with twenty assets, the risk decreases to 22%. Notably, if you expand your portfolio from 20 to 1000 assets, the risk declines by only an additional 2.5%. Many mistakenly believe that adding each new asset proportionally reduces risk; however, we observe that this is not the case, and lowering risks below a certain level is nearly impossible. Certainly, this is not about ...

The high recycling fee on electric vehicles is hindering their widespread adoption. An analysis of how tax policy affects the electric vehicle market and what consumers can expect. As of May 2025, a decline in electric vehicle sales in Russia has been recorded for the eleventh consecutive month. According to data from the agency "Autostat," 786 electric vehicles were sold last month — a 28% decrease compared to the same period last year....

Commentary for Vedomosti on Potential Oil Price Decline Experts predict a drop in oil prices in 2025, with the average cost of Brent crude expected to fall below $70 per barrel. The primary reason for this is the increase in production from non-OPEC+ countries, such as the United States, Brazil,...