... of their investors. The funds are intended for purchasing shares, which represent a portion of the organization's assets. A share is acquired for a certain period, during which its value increases. As a result, at the end of the term, the share owner returns it to the fund, reclaiming their capital with interest. Each fund employs specialists with extensive experience in stock trading. Brokers select the most promising directions for investment, ensuring that the capital gradually increases. The investor ...

... from the nominal amount. For example, a bond with a nominal value of 1,000 ₽ and an 8% coupon brings the investor 80 ₽ per year. At the end of the bond's term, the investor receives back 1,000 ₽. Such payments make bonds a tool with predictable returns. Bonds are considered relatively safe compared to stocks. Government bonds (for instance, OFZ) carry virtually no default risk since they are guaranteed by the state. These securities usually provide lower yields, but they protect investments....

... nominal yields in the current conditions (over 16%), nearly zero risk to the principal (when insured), and full liquidity (after the deposit term). Their downsides include the need for term fixation and relatively high inflation, thus yielding modest real returns over a 2-3 year horizon. They are ideal for the 'core' of a portfolio or as a 'safety cushion.' Bonds: Government and Corporate Government Bonds (OFZ) Yield. Federal loan bonds (OFZ) are the most conservative debt instruments. The yield on current ...

... investors use to thrive in challenging economic conditions? Goldman Sachs Asset Management’s latest 2025 forecast focuses on diversification, ESG investing, technology development, and alternative assets. Find out which sectors promise the highest returns, what risks to consider, and how to properly allocate capital to preserve and grow assets in the face of global instability. Goldman Sachs' 2025 Forecast: Where Should Investors Move? Goldman Sachs Asset Management has released its 2025 forecast,...

... Guide What is Diversification and Why is it Important? Diversification is one of the key principles of risk management in investing. It involves spreading investments across different assets, which reduces the risk of losses and ensures more stable returns. For Russian investors, diversification is particularly relevant: economic fluctuations and changes in the political environment can impact financial markets. In this article, I will explain how to diversify your portfolio to enhance its resilience ...