... to take loans, indicating a reduced sensitivity of businesses to interest rates. Increasing Debt Burden on Companies: Many enterprises rely on credit resources to maintain working capital and expand their businesses. In the context of sanctions and limited access to foreign financing, the Russian lending market remains one of the few pillars for companies. Inflationary Expectations: High inflation risks and rising prices for essential goods compel companies to strive for expansion and investments,...

... consultations with the underwriter, the final placement price and issuance volume are established. The company typically announces the price range in advance; if demand is high (orders exceeding the issued shares), the price is set closer to the upper limit. Large investors (anchor investors) can reserve a significant portion of the offering, which boosts market confidence. Listing and ongoing support. After the placement, shares begin trading on the selected exchange. The company continues to regularly ...

From 2025, foreign securities will be available only to qualified investors in Russia. This step by the Central Bank is aimed at protecting unqualified investors from the risks associated with foreign assets, but will also limit opportunities for diversification and protecting savings from inflation. In this article, we analyze how the new rules will affect retail investors, their access to foreign markets, and the future of the Russian stock market. Foreign Securities ...

... mark. The company oriented itself toward the demands and lifestyles of millennials: No need to buy a car. The majority of millennials prefer to use taxis for transportation. This saves money on purchasing a vehicle, its maintenance, parking, etc. For a limited number of trips, this approach is far more economical. Renting instead of buying real estate. This principle smoothly leads to the second one. Why purchase property in one country when there are numerous platforms for renting in any corner of ...

... "for a rainy day." By accumulating funds "just in case," they may face persistent anxiety and fear of an uncertain future. This results in a focus on potential negative scenarios rather than enjoying the current moments of life. 2. Limiting Expenditures on Entertainment and Hobbies Frugal individuals often refuse to spend on leisure, entertainment, and hobbies, leading to monotony and a decline in quality of life. Excessive control over their expenses can deprive a person of joys ...