... express loan is a minimal package of documents and a quick decision on the application (sometimes within one day). However, for speed and convenience you usually have to pay a higher interest rate and a shorter repayment period. Express loans are often issued without collateral, but the requirements for the borrower's financial condition may be stricter. Secured vs. unsecured loan. Most of the listed types can be either with collateral (secured by real estate, equipment or other assets) or without it....

... decided to enter the bond market. Why Bonds Are Attractive A bond is a financial security confirming that a company (the issuer) has borrowed money from an investor and promises to return it with interest by a specific date. Fixed Term: Bonds are issued for a set period during which the issuer pays the bondholder periodic interest (coupon payments). At the end of the term, the principal amount is repaid. Example: At the time of writing, the face value of one "Sber" bond is 1,000 rubles....

... precious metals. Successful entrepreneur and founder of "Oil Resource Group," Sergey Tereshkin, is prepared to address these and other investment-related questions. His insights are grounded in personal experience and a clear understanding of the issue. Methods of Investing in Gold Typically, investments are made in gold bars, which is exactly what the Central Bank has purchased. These bars can vary in weight and can be obtained not just by government entities, but also by commercial enterprises ...

... potential for integration in economic and financial spheres. The introduction of a unified currency could reduce the countries' dependence on the dollar and provide a new financial instrument for transactions within the bloc. However, as noted by Putin, the issue of creating such a currency is not currently on the agenda. At this stage, BRICS nations continue to focus on strengthening economic ties and developing mechanisms that will facilitate mutual trade. Creating a unified currency requires a comprehensive ...

... lower, but similar rates can be found. In this context, OFZ are more attractive than long-term deposits, especially when the Bank of Russia increases rates. Risks and Liquidity. OFZ are considered practically risk-free regarding defaults since they are issued by the government. The risk lies in price fluctuations during trading: if the key rate rises, bond market prices drop (and vice versa). However, if held to maturity, yield is guaranteed by coupons and the return of the nominal value. A combination ...