Most investors believe they make rational decisions, but in reality, this is often not the case. Why do investors sometimes act irrationally and make decisions based on emotions rather than facts? Behavioral finance is an aspect of financial markets worth exploring. Most investors believe they make rational decisions, yet, in reality, this is often not the case. A wide range of biases can influence decision-making, even if the investor is unaware of it. Understanding the financial psychology that drives asset pricing can also be beneficial for investment ...

... parameters of monetary policy align with the goals set at the state level. These goals include not only stable socio-economic development but also strengthening national sovereignty, population growth, and improved living standards. Businesses believe that financial decisions concerning the key rate and other Central Bank tools should take into account the long-term interests of the national economy. What Does This Mean for Investors and Businesses? Accessibility and Cost of Capital The high key interest rate increases ...

... without resorting to loans or credit. Stress Reduction. Knowing that you have a reserve of money for emergencies provides a sense of security and reduces anxiety. The Ability to Make Thoughtful Decisions. Having a safety net allows you to avoid hasty decisions in tough financial situations, such as looking for a suitable job instead of immediately accepting the first offer that comes along. Protection Against Debt Burden. Without a reserve fund, even minor difficulties might compel you to seek a loan, leading to additional ...

... tolerance, and investor preferences. ETFs are usually preferable for investors who seek simplicity and high liquidity, while mutual funds may be more suitable for investors who prefer professional management of their portfolio. Before making an investment decision, it is recommended to consult with a financial advisor.

On July 25, 2025, the economic landscape will be significantly shaped by several key events. On this day, the Central Bank of Russia (CBR) will announce its decision on the key interest rate, a move that could profoundly impact the financial markets and lending conditions for businesses and individuals. Additionally, a China-EU summit will convene, addressing critical issues related to trade between these two largest economic regions. Equally important will be the release of corporate ...