The development of market relations in Russia is directly related to the formation and development of the financial market which is considered in developed countries as an attractive alternative to a bank deposit for investing household savings. At the same time, the overwhelming majority of the population of Russia prefers deposit and investments in foreign currency to achieve their financial goals. Our paper substantiates the availability of opportunities for direct personal investment in debt and equity securities and conditions for diversification, including international through the use of ETF, that are attractive by the riskreturn criterion in the Russian financial market. We note that the expansion of the market of exchange mutual funds through the appearance of Russian management companies. Direct investment in securities through a brokerage agreement is characterized by low transaction costs. Growth factors of return on investment in securities are associated with tax incentives. The reason for the high volatility is the dependence of the state of the Russian financial market on macroeconomic conditions, including foreign policy events.