... months yield approximately 19.3% annually. Advantages: Deposits are simple and reliable, with income guaranteed by the bank and insured by the Deposit Insurance Agency (up to 1.4 million rubles). They provide fixed profits that are understandable even to beginners. Disadvantages: The real return is low—barely exceeding the inflation rate (around 9.5% in 2024). If withdrawn early, the bank pays less interest. Taxes: Personal Income Tax (PIT) (13%) is paid only on income exceeding approximately 210,000 ...

... what options are, their main types, methods of application and advantages. Find out how they can be used to speculate on price changes, hedge risks, receive a premium and build complex investment strategies. This information will be useful for both beginners and experienced investors. Options: Types and their Applications for Investors and Traders Options are an important tool in the financial markets, providing investors and traders with flexibility in managing risk and profit opportunities. ...

... No bank or government agency manages the issuance of cryptocurrency; instead, the emission and accounting are carried out automatically according to set algorithms. For most people, cryptocurrency is primarily of interest as a financial instrument. Beginner investors should first understand the basics of the crypto market: comprehend what cryptocurrency is and how it functions. By grasping the principles of blockchain operation and the specifics of digital coins, investors can make more informed ...

... due to short-term price fluctuations (market noise), leading to an unnecessary sale, missing potential rebounds in price. Therefore, using stop-loss orders requires skill: reasonable levels must be set, considering the specific security's volatility. Beginners are generally advised not to get overly reliant on this strategy, as improper stop-loss settings can cause more harm than good. Overall, stop-loss orders are tools more suited for experienced investors who already have the ability to analyze ...

Fundamental analysis is the foundation of smart investing. In this article, you will learn how beginner investors can understand asset values, what methods to use, how to conduct analysis, and where to get reliable data for decision making. How to Conduct Fundamental Analysis Fundamental analysis is a method of assessing and forecasting the value ...