Scientific journal
Научное обозрение. Экономические науки
ISSN 2500-3410
ПИ №ФС77-57503

Personal portfolio

FORMATION OF STRUCTURAL PRODUCTS AS MUCH AS RISK-FREE INSTRUMENTS

Berezina N.N. 1 Guskov A.A. 1 Gorshkova N.S. 1
1 Federal State Educational Establishment Higher Vocational Education «Lipetsk branch of the Financial University under the Government of the Russian Federation»
The article discusses the formation of risk-free investment options temporarily free funds of individuals and entities that the instability in the financial markets and in the banking sector will ensure adequate profitability above the yield on term deposits. In this case the entry threshold in such assets on deposit amount is small, but competent management to minimize the risks of losing the original capital invested. To show the possibility of avoiding the loss of original capital invested in structured products were considered a structural basis for the formation of the product with full capital protection. It was also revealed the possibility of forming a structural product for each client according to his wishes. Thus, it was noted that when using the structured product the client on the one hand selects its own version of the underlying asset, and the other is fully insured against possible loss. In addition, the article covered four degrees of protection of customer funds. All this allows us to make this option investing temporarily idle funds more popular, and expands the range of potential investors.