People want to earn more. They perceive the stock market

as such an opportunity and do not go into details…

— We recently conducted a special study on the behavior of the five most popular internet search engines a beginning retail investor. And we found out quite an interesting paradox. Most people invest to earn more than on deposits. We can agree with this, because otherwise there would be no point. At the same time, most people are not ready for losses. And investments always mean risk and possible losses. How can all this be combined in one model? Markets grow at some point in time, and people think that this will continue. But there are no guarantees.

— What should beginners do?

 Take an example from developed countries

There, most retail investors do not invest money independently, but choose collective investment, primarily index mutual funds. Over a horizon of more than three years, they usually show a higher income (in any case, more stable, less dependent on the market situation) than investments in individual securities. What is an index? It is a set of a certain range of securities (shares, bonds, their mixture). These indices are usually set by the exchanges on which they are traded, they can be narrower, broader.

The index is designed in such a way that self-insurance

If some securities fall, others grow. And theoretically, you can earn more on a single security than on an index, if the market situation is favorable. But you can also lose much more. Indexes media planning without choosing channels wisely smooth out price fluctuations for individual securities, making the investment result less volatile. Although this does not provide 100% protection from going into the red for a period of time. An investor should always remember that investing is ao lists always a risk, and it can be very high if you invest in instruments with high potential returns, especially if you use leverage – borrow money for transactions from a broker.

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