Personal financial investments: leading trends and growth factors

Boldyreva, Natalia; Reshetnikova, Liudmila; Cheymetova, Valeria

doi:10.2991/icseal-19.2019.20

Cited by 3 publications

(3 citation statements)

References 6 publications

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“…To make investing decisions of accumulated pension savings, we need to know the characteristics of the available categories of assets in order to make the right investment choice depending on the period of the life cycle. There are several opportunities for investments in debt and equity securities, made attractive by the criterion of "risk-return", and conditions for diversification, including international, on the Russian financial market (Boldyreva et al 2019).…”

Section: Literature Review Theoretical Basis and Research Hypothesesmentioning

confidence: 99%

Conditions for the Growth of the “Silver Economy” in the Context of Sustainable Development Goals: Peculiarities of Russia

Reshetnikova

Boldyreva

Perevalova

et al. 2021

JRFM

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A “silver economy” can drive economic growth. The key condition is effective demand, determined by the number of financially secure members of the elderly population. The aim of this study is to assess the conditions of the Russian “silver economy”, identify the constraints on its growth, and develop recommendations for their elimination to achieve Sustainable Development Goals. We applied multivariate statistical analysis methods. The absolute and structural numbers of elderly people in Russia were found to not differ much from those in the developed countries of Europe. Their financial support exhibits several important features. A state pension plays a key role in financing the needs of Russian pensioners. Income from labor occupies the second position. Asset-based reallocations are negligible. Public programs will improve the standard of living of current pensioners. For future pensioners, it is important to increase the income received from asset-based reallocations. Russian pensioners were found to have had a negative experience of participation in the funded pension system. It is necessary to stimulate the voluntary participation of future pensioners in the funded pension system and to change the regulation of the investment activities of pension managers. In general, the formation of conditions favorable to the “silver economy” may turn it into a driver of sustainable development in Russia.

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Section: Literature Review Theoretical Basis and Research Hypothesesmentioning

confidence: 99%

Conditions for the Growth of the “Silver Economy” in the Context of Sustainable Development Goals: Peculiarities of Russia

Reshetnikova

Boldyreva

Perevalova

et al. 2021

JRFM

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“…Retail investors can choose securities with an acceptable return-risk ratio. They can also form internationally diversified investment portfolios (Boldyreva et al 2019). The choice of specific financial instruments by individuals' investors is determined by their investment preferences.…”

Section: Literature Reviewmentioning

confidence: 99%

The Impact of Tax Preferences on the Investment Attractiveness of Bonds for Retail Investors: The Case of Russia

Boldyreva

Reshetnikova

Tarkhanova

et al. 2020

JRFM

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The impact of tax incentives on the investment attractiveness of bonds for retail investors is assessed in the article. The paper presents a comparative empirical analysis of investment attractiveness of Russian bonds and bank deposits for domestic retail investors. We identify investment preferences of retail investors in Russia, analyze investment characteristics of deposits in Russian banks and a variety of bonds available for retail investors. Given the tax benefits of the recently introduced Individual Investment Account, we show that the real yield of investment in government bonds is over eight times higher than the yield of bank deposits. Despite higher risks of investing in bonds, we conclude that government bonds taking into account the tax benefits of the Individual Investment Account could be a realistic alternative to bank deposits for Russian retail investors.

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“…The term "form of saving", available to the general population, refers to a method of placing financial assets, comprising the processes of increasing and preserving this portion of capital. Various forms of savings can be ranked according to liquidity, potential income, purpose of capital formation, and other criteria [1]. There is no official classification of forms of savings; however, from a logical standpoint, they can be distributed precisely according to a parameter that has been clearly defined.…”

Section: Introductionmentioning

confidence: 99%

Effective transformation of household savings in the context of a systemic economic crisis

Rogova¹,

Semenov²,

Chalova³

et al. 2023

E3S Web Conf.

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The modern world is characterized by a high degree of digitalization, so citizens have access to an increasing variety of savings options. In just a few clicks, people can purchase shares of the largest companies, invest in real estate rental funds, open deposits in almost any bank, and purchase digital assets. However, financial literacy has not yet reached the level needed to use all financial instruments consciously. Since confidence in the banking and financial system is low, people save in cash, which slows economic growth. The study of various forms of savings and their reliability and availability can increase cashflow from individuals, triggering growth, especially in the current crisis conditions of 2020–2022, with unprecedented sanctions. The purpose of the study is to develop recommendations for the development of modern forms of effective savings for the population under the conditions of a systemic economic crisis. The study uses publicly available data on personal savings rates and relevant scholarly literature and uses the methods of analysis and synthesis, comparison, deduction, and statistical generalizations. In the course of the study, key savings trends and urgent income issues were identified, allowing for the formulation of several recommendations to improve the efficiency of modern savings methods.

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Personal financial investments: leading trends and growth factors

Cited by 3 publications

References 6 publications

Conditions for the Growth of the “Silver Economy” in the Context of Sustainable Development Goals: Peculiarities of Russia

Conditions for the Growth of the “Silver Economy” in the Context of Sustainable Development Goals: Peculiarities of Russia

The Impact of Tax Preferences on the Investment Attractiveness of Bonds for Retail Investors: The Case of Russia

Effective transformation of household savings in the context of a systemic economic crisis

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