Introduction.Nowadays, the problem of the optimal balance between consumption and savings, transformed into investments is solved by using automated systems for making investment decisions, such as roboadvice ser vices which have the mathematical algorithm based on the main principles of consumptionsavings theories.Problem Statement. The task assignment of developed IT service is to maintain a constant level of client's consumption during lifelong period through automated analysis of how much he/she has to consume and save each year. Results of consumption and savings proposals can be modified if initial financial data changes.Purpose. To develop investment plan of investors' profiles taking into account their risk preferences using data analysis of roboadviser service.Materials and Methods. SWOTanalysis of roboadvice (RA) services and comparative characteristics of roboadvisers explain advantage of RA services. Microservice for calculating stable consumption, finance con sulting model of roboadvisor to ensure a constant level of consumption for the client are developed using the following technologies: Python 3.6, Django 2.0, Django Rest framework, AngularJs, HTML5, CSS 3, Bootstrap.Results. We considered consumptionsaving ratio in economics, emerging trends of roboadvice (RA) services for making investment decisions. A mathematical model of roboadvisor in longrun period was developed and the support of investment decision making was described using microservice of roboadvisor.Conclusions. The development RA is intended primarily for private persons (investors) who invest in long term financial instruments in order to provide them with a permanent passive income based on their chosen sa vings period and the moment of retirement. K e y w o r d s : roboadvisor, data analysis, long life decision making, annuity.the problem of the optimal balance between consumption and savings, transformed into investments, is one of the most important issues on all levels of economic system. this is explained by the fact that the equivalence between consumer and savings flows provides for internal and external equilibrium in the economics, and, therefore, a balanced economic growth and increase of economic and social welfare. as a result, the scholarly ap-

No abstract

n the case of growing global instability and vulnerability to external shocks in emerging markets, the analysis of exchange rates remains one of the priority areas of scientific research while state authorities ensure its stability. Moreover, due to market failures, weak institutions, and a high level of openness, the exchange rate is the “second best” tool for improving competitiveness and macroeconomic stability. In particular, many scholars believe that an undervalued exchange rate positively affects economic growth by improving competitiveness, increasing export earnings and facilitating the inflow of foreign investment based on the fundamental laws of international trade and capital flows. However, the empirical verification of the assumption often shows contradictory results. It requires a comprehensive analysis of the mechanisms, tools, potential consequences, and limiting factors of the positive impact of devaluation on economic growth, which is especially important because of the subsequent contraction of the hryvnia as impact of russian war. One of the most common factors for the mixed effects of an undervalued exchange rate is the specifics of each country: its sectoral structure, parameters of aggregate supply and demand, consistency of fiscal and monetary policies, and structural imbalances. The authors propose complementary measures within economic, financial, industrial, and innovation policies that complement and enhance the positive effect of an undervalued national currency on economic growth. In our opinion, such recommendations can be practical to form macroeconomic policy for the post-war recovery in the face of a likely weakening of the hryvnia and growing uncertainty in the future.

No abstract

In extreme global instability and external shocks, exchange rate volatility and currency risk exposures are among the primary issues for any international and domestic business entity. Moreover, currency risks nowadays have importance for Ukrainian enterprises for two reasons. Firstly, the war and foreseen post-war periods mean dramatic unpredictability and, therefore, the fragility of the economy overall and currency market as well because of various shocks at global and domestic markets, uncertain changes of macroeconomic fundamentals, mainly high inflation rates worldwide. Secondly, domestic companies need extra experience for effective managerial practices in a volatile environment, especially regarding currency risks. However, one can choose the most sufficient organisational tools only after correctly identifying exposures' roots, types, and characteristics, which is usually missing. Therefore, the paper aims to use a structural approach to ensure the correct identification of exposure to currency risk as a component of its assessment within goal-oriented management. Results include theoretical analysis of possible exposures to currency risk of the selected Ukrainian industries, namely the agricultural sector, food production, and defence. Practical implications aim at improving the effectiveness of currency risk management at domestic enterprises through correct analysis of the reasons and types of exposure.