... The global market offers a wide range of collective investment instruments. The most common types include: Open-End Mutual Funds. Similar to mutual funds, these allow investors to freely buy or sell shares at the current net asset value. Such funds invest in stocks, bonds, and other asset classes, adhering to various strategies (from conservative bond holdings to aggressive equity positions). Exchange-Traded Funds (ETFs). These are traded on exchanges and typically track a specific index or basket of assets. ETFs combine the benefits of a diversified portfolio with stock liquidity, enabling investors to easily ...

... A reserved portion of the portfolio for liquidity and guaranteed income (up to 15–20% per annum) without market risks. This distribution combines dynamic growth (stocks and bonds) with capital protection (government bonds, deposits, gold). A more aggressive investor may increase the share of stocks, while a conservative investor may raise the share of bonds and ruble deposits. Long-term investments of one million rubles require diversification and careful risk management. The main ideas: combine instruments with different returns and risks, focusing on the goal of capital growth while considering inflation. Utilizing tax advantages (IIS,...

... An important parameter when assessing a broker's performance is the maximum drawdown they allow. This refers to the proportion the manager can lose if the market unexpectedly shifts direction and behaves unpredictably. A high percentage indicates an aggressive approach, which carries significant risk. As a result, the investor may completely lose all invested funds. A small percentage is acceptable for brokers who do not chase colossal profits but instead act thoughtfully and cautiously. The latter option is more preferable for investors. Manager's Capital. This is another critical point to consider....

... promotions where gear is offered at discounted prices, among other incentives. It is important that such promotions are not overly aggressive; the user should feel comfortable. In addition to these two main strategies, there are projects where creators have ... ... Additionally, users can purchase premium accounts that allow them to access various bonuses for free. When choosing a model for investing money, it is essential to weigh all the pros and cons beforehand. If opting for a subscription strategy, careful planning ...

... 25%—stocks and ETFs (heightened risk, potentially high returns), 15%—P2P loans (income ~15-20%). This portfolio aims for greater returns through stocks and P2P while still allocating some funds to conservative instruments. Additionally, one can allocate an aggressive portion (e.g., 10-15% in cryptocurrencies or high-risk funds) for those willing to tolerate sharp fluctuations. However, to begin with, investors should study basic instruments and not invest everything immediately in speculative assets. Conclusions for the Investor Investing one million rubles short-term poses the challenge of choosing between profitability and safety. Bonds and deposits provide moderate yet more predictable returns; ...