... indexed. Increased borrowing costs: In inflationary conditions, central banks often raise interest rates. This makes loans and mortgages more expensive, affecting family budgets. Decreased savings: Savings in bank accounts lose value if the interest rate on deposits is lower than the inflation rate, reducing the real value of savings. How to Protect Your Money from Inflation Investments: One way to shield your savings from inflation is to invest in assets that have the potential for price appreciation, such ...

... personal business. However, all these options require active investor participation and significant capital. It's crucial to familiarize oneself with the local laws and restrictions that may be encountered while investing and profiting. Bank Deposits Bank deposits in currency represent the most common method for generating passive income. These can be established for various terms, with longer durations typically earning higher interest rates. Investors can profit not only from the interest earned but also from increases in currency values, safeguarding against devaluation and inflation fluctuations. The primary objective is to open a deposit in a reliable bank known for returning principal ...

... Regular bank deposits and cash savings lose purchasing power if interest rates on deposits are lower than the inflation rate. In other words, with money in the bank over time, one can purchase fewer goods. For example, if inflation is 5% per year and the deposit rate is 3%, then the real income from savings is negative, and their purchasing power decreases. For the same reasons, fixed monetary investments, such as government bonds with fixed returns, also lose value: their real yield declines when inflation rises....

... chain needs 20 billion ₽ for expansion. The company could take a loan from a bank, but it can also issue 20 million bonds with a nominal value of 1,000 ₽, a term of 5 years, and a coupon of 10%. Many investors will likely buy these bonds, as such a rate is more profitable than a deposit. Consequently, the company (issuer) obtains the necessary funds, while investors receive regular coupons and the nominal amount back by the agreed deadline. An issuer can be not only a corporation or the government but also regional authorities ...

... More information about the entrepreneur can be found on his personal web project: sergeytereshkin.ru (сергейтерешкин.ру). Features of Investing in OGVZ Domestic government bonds are significantly more profitable than traditional bank deposits. Beyond higher interest rates, the income generated is exempt from personal income tax. Moreover, OGVZ is characterized by reliability. Payments are guaranteed by the state, meaning that investors can be assured of receiving their invested capital, along with agreed profits,...