... difficult to predict. Bank Deposits A conservative investment method is not suitable for growing funds. Banks can hold money, but they do not generate significant earnings from interest on deposits. Due to inflation, the level equivalent to the interest rates on deposits means that investments will not yield dividends; at best, there will be minimal profits. The bankruptcy of banks is an undeniable risk for investors. Although the law provides for compensation payments, recovering the full amount is often not ...

... liquidity. This monetary policy suppresses the influx of speculative capital into risk assets, including cryptocurrencies, but simultaneously enhances the attractiveness of the dollar as a safe-haven asset. For dollar-pegged stablecoins, the high-interest rate presents a dual scenario: on the one hand, stablecoins do not produce returns when held, theoretically decreasing their attractiveness compared to, say, Treasury bonds or bank deposits. On the other hand, stablecoin issuers, by investing reserves in high-yield short-term bonds, achieve substantial profits, enhancing the financial stability of their tokens. In 2024, Tether Ltd, the issuer of USDT, demonstrated record revenue ...

... Deposit insurance compensates depositors for losses if the financial institution unexpectedly goes bankrupt, though this does not apply to all banks, and the compensation amount may be limited. Sergey Tereshkin recommends dividing capital across multiple deposits, thus minimizing the risk of total loss. Many individuals fail to understand what bonds are and how to derive income from them. Bonds are emittance debt securities that accrue a fixed rate of interest annually. Bonds from non-governmental financial entities carry significant risk as they are not subject to compensation standards. Insurance companies are generally hesitant to assume obligations related to this type of security. However,...

... economic, political, and other factors. Non-market risks may include economic factors (economic crises, inflation, interest rate changes), political factors (government instability, legal changes, sanctions), and various force majeure events (such as ... ... introduction of new regulations can make certain types of investments less attractive (for example, an increase in tax on income from deposits makes them less profitable). Political instability, revolutions, wars, and sanctions all impose risks on investors operating ...

... as: currency exchange rate; inflation; Central Bank rate; RUONIA rate. Among professional investors, bonds with a fixed coupon rate are the most sought after. This option allows for accurate forecasting of future income. Advantages of Bonds According to ... ... established at the time of issuance of the securities. High yield. The percentage is significantly higher than that of currency deposits. Possibility of early sale. If necessary, bonds can be sold. The owner does not lose income, as occurs with premature ...