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Выгоды и риски консервативного инвестирования в РФ (депозиты, облигации, валюта). Почему частному инвестору не интересен российский облигационный рынок?
The paper compares the possibility of saving and accumulation of funds by citizens of the Russian Federation through bank deposits, bonds and currencies. We present descriptive statistics on these conservative investment instruments (volume and profitability levels), regulative norms and the practice of taxation. Emphasis is placed on obtaining a comparison of the benefits of real income (taking into account the current Russian tax rules and practices of the tax regulation) and investment risks, which are defined as the risks of closing the investment position and liquidity risks. The paper raises the problem of identifying the causes of the weak participation of market investors in the domestic bond market (ruble bonds), which creates difficulties for companies to attract capital investment and reduces the choice of the citizens in the formation of the independent pension plans and provisions in case of loss of employment, health, etc.