... significant impact on the value of an investment and how to use this unit of measurement to make financial decisions. What is a Basis Point? A basis point (bp) is a unit of measurement commonly used to express changes in interest rates and yields of financial instruments. One basis point is equal to 0.01% or one-hundredth of a percentage point. Therefore, if a rate increases by 25 basis points, it means it has risen by 0.25%. Why are basis points used? The primary reason for using basis points is the need for precision. They help to represent ...

... deposits should be made exclusively in state financial institutions. It is advisable to avoid deposits in commercial banks, even if they promise significantly higher interest rates and, consequently, higher income. Do not keep all your funds in a single financial institution. It is wiser to divide your available funds into several parts and spread them across 2-3 banks. This reduces the likelihood of loss. To ensure that invested funds are not eroded by inflation, it is necessary to add a percentage equal to the inflation rate during the deposit's duration. For example, a ruble deposit should be supplemented by at least 8%. For foreign currency deposits, the amount should increase by 3% or more. With this approach, one can only withdraw the difference ...

... services (for example, life insurance for the borrower or property) and how this will affect the terms. Repayment schedule. Study the payment schedule: the amount of the monthly payment, the number of payments, the dates. The payment can be annuity (in equal installments) or differentiated (decreasing, when large interest is paid first). Make sure that the payment amount is realistic for your financial plan. If a grace period is provided (a delay in starting payments on the principal debt), clarify its terms and duration. Early repayment conditions. Many entrepreneurs try to repay the debt early, as soon as they have available funds, in order ...

... hype. Fundamental analysis of cryptocurrencies like BRETT is more about assessing social trends and community dynamics than financial metrics. Hence, any investments should be accompanied by a readiness for high risks. Key Takeaways: Market Trends and ... ... few will survive and grow significantly in the long run. In conclusion, April 2025 offered investors bright opportunities and equally vivid lessons. The crypto market is maturing, with the combination of fundamental products and smart positioning capable ...

... “from the outside” (the dynamics of the asset’s market price). For example, a fundamental analyst studies the company’s financial report and events when evaluating a stock, while a technical analyst opens a chart of this stock and analyzes its trends ... ... “Doji”. Another candlestick pattern. The “doji” candle has an extremely small body (the opening and closing prices are almost equal), but can have long shadows above and below. Such a chart means uncertainty: the strength of buyers and sellers is equal,...