... it to conduct financial transactions in the market. This document should be presented to potential investors upon request. The absence of such a license may indicate fraudulent activities by the financial institution and illegal operations. Charter capital. Upon the organization’s registration, founders contribute a specific amount to the charter fund. The limit is defined by documentation and legislative acts. Employees. The personnel of a non-state pension fund should be officially registered. It is crucial that the employees have at least three years of experience in similar positions. Own reserves. The organization should maintain a certain insurance reserve in its accounts, which acts as a guarantee ...

... Yield higher income (for example, 15–20%) and balance risk through creditworthy companies. 25% – Stocks. Funds are allocated between domestic "blue chips" (Sberbank, Norilsk Nickel, Yandex, etc.) and foreign assets through funds. Expected capital returns (price appreciation + dividends) can amount to around 10% per annum or more. 5% – Precious metals (gold). Acts as an inflation hedge: historically, gold prices have increased by several percentage points per year. 5% – Non-State Pension Provision (NPO). While the contribution does not yield profits, it provides tax advantages (13% refund on the amount contributed) and ties up funds for the long term. 5% – Bank deposits. A reserved portion of the portfolio for liquidity and ...

... and not to mutual investment funds, which could unnecessarily restrict capital from private donors. Germany: A Significant Signal Towards the Cryptocurrency Market One thing is certain: the new law will open the gates for a substantial influx of new capital into the cryptocurrency market. Analysts expect immense interest from institutional investors, benefiting not only existing special funds but also new funds that have yet to be established by institutions such as banks, insurance companies, and pension funds. The new law will further strengthen Germany's position as a location for financial investments and serves as an important signal for the cryptocurrency market. Thanks to the New Law, German Banks Can Hold Bitcoins The establishment of ...

... months. Interest is paid to the depositor monthly and can be transferred to a card or account. The investor has the option to capitalize on interest. Touch Bank. This financial structure offers favorable terms for depositing money into a savings account.... ... Additionally, if an investor refers a new client who then makes a deposit, they receive a bonus on their account. Post Bank. Pensioners can deposit their funds in this government financial institution, which offers several different programs. Pensioners ...

... additional banks, insurance, and investment firms (including through the fragmentation of existing holdings) could yield significant capitalization growth. Possible issuers could include large private banks and leasing companies, as well as national pension funds (NPFs) and asset management firms offering investment products and seeking to expand capital. Infrastructure and Industrial Companies. This category includes transportation companies (e.g., Russian Railways, airports, seaports), energy, and gas transport networks, as well as the extractive industry. Parts of the infrastructure may be ...