... create overly optimistic projections. It is crucial to conduct independent calculations to assess prospects and determine when invested funds will be recouped. If lacking the necessary knowledge, hiring a competent specialist is recommended to avoid financial losses and disappointment. Falling for fraud. The market is filled with companies and individuals seeking investments. It is vital to differentiate legitimate investment opportunities from scams, financial pyramids, etc. There are ways to profit from so-called hype projects; however, this requires being ...

... Russian Realities Few individuals research the market and conduct necessary calculations before placing money in a deposit. The reality of the Russian financial landscape is far removed from the rosy pictures painted by imagination or advertised by financial institutions. To understand the state of the deposit market, several factors must be considered: Reliability. When investing money in a commercial bank, there is a risk of complete loss of funds. In recent years, several dozen financial structures have declared bankruptcy, and this trend continues. Therefore,...

... Market risk. The price of a bond on the exchange constantly fluctuates due to overall interest rate movements. If rates rise, bond prices fall. However, if the bond is held to maturity, the investor will still receive the full nominal amount, even if the market price has decreased. Default risk. This is the situation when the issuer cannot pay the coupon or the nominal amount. Defaults do not usually happen suddenly; investors learn about financial troubles in advance, and the bonds decrease in value. If default is declared, investors may lose their entire investment. Liquidity risk. If there are few buyers and sellers for a bond, it may not be possible to sell it at a favorable price....

... metals lack. This makes them particularly appealing during downturns," explains Gracy. Fresh Trends to Know When discussing upcoming trends, the following key directions can be highlighted: Regulation and integration of cryptocurrencies into the financial sector. Legal regulation of the market is gaining momentum. For instance, the European Union has recently approved a set of rules for the circulation of crypto assets (the MiCA regulation), which regulates the processes for using cryptocurrencies, user protection, and more. This is ...

... reports from Bank of America and Morgan Stanley are also high, particularly in the context of revenue growth from asset management and lending. The results from these banks will serve as a significant indicator for assessing the state of the global financial market.