[000:00:00;00] we continue to deal with peter's reforms, in the historical podcast, russia and the west are pumped up by history, you said, in general, peter understood perfectly well that war needed money, money and money, so here is the military question, military reform, it dragged everything along with it the rest, education , of course, has worked out here in some special areas of education, progress has been made, but overall, of course, the country has remained illiterate. the same as she was, and uh, who received uh, so to speak, a certain education, this of course, specialists, because they were needed, nevertheless, the academy was created, no , the academy was in st. petersburg, it was created, schools were created, schools were created, no, a lot was done, thanks to christianism all this is created, in addition, that they were building st. petersburg for the christening, in addition to the fact that the christening, those driven away were also building the very azov fleet that allowed them

to take it the second time. and also these same thousands of people were displaced, and then tens of thousands, and then hundreds of thousands, the petrovsky manufactories, their number under petra increases by an order of magnitude, but at the same time, who before peter worked in the few manufactories, there was free wage labor, including those, these were either otkhodniks, those who earned a quitrent for the landowner, and now they enslaved them there, or a few, respectively free people, walking people, and now? rigidly, assigned, possession, workers, serfs, yes, uh, who are assigned to the ural factories, and the merchants get the opportunity to own them, because, by the way, petrovsky’s reform is also an interesting one, first the state creates merchants of various types kind of trades, realizing that it does not work very effectively now, they are sometimes simply handed over to merchants for nothing with the obligation that the merchant must fulfill state orders, the army

order, first of all, the main one, the development of the state anyway, so this strengthening of serfdom is a huge a problem that also needs to be talked about, because the source of the reforms, the main one, is the tightening of serfdom, yes, it didn’t start with petrenophiles; they were of course wrong here, they attributed to peter the sharp tightening of serfdom, this is a conciliar code eternal enslavement, but peter i, of course, tightens these screws very tightly, to the point that the christening, like the former black-sown ones, that is, state peasants, they are now all state-owned, he is different, subgroups are leveled out, state-owned peasants also do not have the right of free movement , got drunk, got drunk in a neighboring village, you are forcibly expelled back and put on notice that maybe you tried to escape, how many disputes there were about whether it was possible or impossible to reform russia,

so to speak, not as tough as peter did, well, skills that russians would have acquired anyway by communicating with other peoples, painlessly, the issue is very controversial, but it is clear that shaving beards is unlikely to have helped much, so to speak , reforms or an issue, a controversial issue, you can argue, because of my beard, i think that it is impossible, it is impossible, it should not have been necessary, ah, were these very mandatory camisoles and tobacco, foreign camisoles, the lifestyle needed to be changed? , no, lifestyles need to be changed, long camisoles, a different type of movement, yes, yes, yes, only he had to walk around with scissors and cut , because he had to quickly, and that is, he cut everything off at once, ran, it’s understandable why, because in the astrakhan uprising, as we know,

the astrakhan uprising. yes, bloodied, they wrote tearful letters to the don cossacks so that they would support them, what was in these letters? yes, there are, so to speak , complaints about hardships, some kind of service there, whatnot, but first of all, the humiliation of human dignity, why they are forced to go to church in a foreign costume, why these same beards are unhappy and further and so on, they force tobacco, it’s generally difficult to imagine now, but in russia she didn’t smoke, she didn’t smoke, for smoking they tore up the nostri before peter, yes, and here it means that they are forced to smoke, so it was possible to get by without it , russia before peter is, in fact, on the verge of the possibility of becoming a dependent country, yes, the history that eventually overtook poland three

times... poland is not the case. the ottoman empire is the sick man of 19th century europe, who destroys everything he can and who, miraculously, in fact, to a large extent, miraculously, thanks also to ataturk at the beginning of the 20th century, where did everything go? persia, which pulled itself together, simply squeezed out everything it could from its own inhabitants, china, which eventually also turned into states torn apart and which spent the entire century recovering, as a result, after the opium wars, russia was waiting for this story, to break out of this addiction was painful, and the cost is high, there are approximately 12 million people in the country, half a million losses, this is a gigantic figure, but that’s just one thing small. regarding the vital necessity of peter's reforms, well, history generally loves paradoxes, jokes and so on, later peter became very friendly with leibniz,

the most famous figures, but he is there, i don’t even know what to call him, he was there, he’s also like that an encyclopedic person, and a pho and a philosopher, there’s a lot of everything there, if you list it, it’s confusing. so - they later became friends , corresponded when peter was in europe, they traveled there together, and so, before peter appeared, lebnets came up with a peace plan for europe, so that they would not fight with each other, would not fight, he came up with a plan, dividing spheres of influence outside of europe, there the spaniards should naturally sail to south america there and conquer something there, and the french to africa, and the swedes were destined for the russian

earth, he just thought of everything, he was the wisest man, yes, but there was one thing that the light of peter the great did not foresee, so let’s not reduce those opportunities to peter alone, yes, because the country had potential, yes, potential, solovyov , historian significant, he wrote that russia was ready, was waiting for the leader, news appeared and russia stepped forward, well, in general, if we talk about failures, peter i, of course, made a huge bet on the fleet, well, firstly, the merchant fleet of russia and did not receive it, and the navy partially rotted after peter, it is also important to understand that russia is a maritime power. and here is a very difficult question: it is peter’s heirs who are to blame, there were not enough resources, but the fact remains that in russia there are incentives for development, calling a spade a spade ,

let's be yes to capitalist relations at that moment it was not enough. yes, some things worked, some things didn’t work out, and there was a price for it, for all these reforms, of course, you’re right, they just paid a huge amount. this was a historical podcast: russia and the west on the swing of history. pyotr romanov and sergei solovyov were with you. study history with us; without history, modernity cannot be understood. all episodes of the russian west podcast on the swing of history can be viewed on the website of the first channel 1tv.ru. this is an easy money podcast, i am its host , mikhail khanov, and today our topic is women in investments, and today our guest is the senior vice president, director of external relations of the bank, vera aleksandrovna podguzova.

hello, let's start with the most important thing. do you believe gender exists in investing? well, gender probably exists relatively relatively in investments; investments are still such a general concept for men. for women, this is the approach to these very investments, different for different genders, well, probably in accordance with such psychological, probably, some kind of fundamentals, how we differ between men and women, well, the main thing is behavioral, you know, i really like to give an example, but nothing has changed in 10,000 years on our planet earth, so imagine a tribe of, i don’t know, neanders, who sits in the evening and has dinner in a suit.. . forest, darkness, females, males, cubs, suddenly strange sounds are heard, creepy, yes , someone is roaring, what are the men doing, the men stand up, they say, well, now we’ll figure out what ’s roaring there, and they go, well, half of them die because there are some

receptors there, there are even tougher ones there dinosaurs, what do females do, and back then, at the dawn of civilization, they do exactly what humanity has saved as a species, because they take the cubs in an armful and move away in the opposite direction from the sound, this applies now to investments, that is, as far as the level of risk perception left here from those prehistoric times? well, it’s natural that men, they are more courageous in their decisions, make these decisions more quickly... decisions at some moments are less thoughtful than women, but at the same time they invest much more more money, therefore, in terms of their type of investment, they are more of a risky type of investment , women are more conservative, they try to save their finances, think about it, so probably the volume of the same money that women and men send is completely different, men can allocate a larger amount, women less , but the return as a rule... as a rule, women also have lower

returns on their investment products than men, but at the same time they earn more often and the investment risk is much lower, and the period, here another very important indicator in investments is the investment period, who has it longer, men or women, women, of course, because women expect longer-term investments, they understand why they do it, why they need in essence, to save money for... for a child’s education or for some medical purposes, maybe for repairs, for the purchase of something large, for example, what were your first investments? yes, probably the very first contribution, but it is actually the most popular among population still remains, these are deposits, yeah, well, i know that your bank, together with the scientific and research financial institute of the ministry of finance, has developed a new index of savings of citizens' investment activity, yes, because today we more often read that almost

officials are caught to some kind of fraudulent schemes, yes, not to mention ordinary citizens, the question is: financial literacy and financial activity, this is the level it is in russia now, this is how we could characterize it, well, our research shows that it is now about , slightly less than half of the population, that is, about 48%, is more or less investment savvy, but in terms of simply informing about investments, then the percentages are divided into several more categories, those who actively invest and the most a small percentage component of approximately 8%, and then it increases depending on deposits, well, approximately what percentage of the active population of the country can be called financially literate, financially literate is someone who, let’s say, will immediately name the deposit rate and will not fall for some basic tricks of scammers, realizing that free cheese can only be found in a trap. well, in fact, in fact

, about 17%, i would highlight this, because again , i repeat , they are different investment products, some trust themselves, some trust banks, some brokers, some financial companies and so on, and of course the simplest, i’m talking here about a wide range, the simplest investment products, they are probably the most popular, we consider bank deposit an investment product, well, essentially we think so, because of course it’s not quite an investment product, so to speak? yes, if we look at this terminology in depth, but in our case, in the case of russians , probably yes, this can be attributed to an investment product, because the population’s trust is understanding, the main thing is understanding of investment, well, including a deposit, or for example, real estate , also a kind of investment, but not such a direct product, and when this began, this is the transition to the fact that we generally started talking about women as

investors, that is, when the trend began that women began to actively... you can’t use this for meat either, or at least i don’t know, put the atom in the peaceful service of the family , probably women as investors they were, well, in fact, always when the investment industry in general began to develop a man came home , his wife asked where the money was, she took all the salary and property, yes, you can say, and so, yes, you know, i can say , so we had several guests. experts who deal with personal finances, planning, and, as a rule , the first step in the family to drawing up a budget, yes, but this is the basis of the basics, in fact, before you start investing, you start with something, at least start maintaining a family budget, there, just a little or not in 90% of cases - women start doing this, so i repeat , that’s when this shift happened, that is , when in the nineties and zeros, when women felt that they needed to take over the palm, well, probably in the end...

there are more active people like these from the 2000s, yes, well, the crisis has influenced or that, of course, crises influence, it is women who more clearly feel these economic - some shifts, crises, they are trying to maintain the family income, and therefore, of course, this influences very strongly, men somehow later get their bearings, namely therefore, by the way, there are now a lot of women, there has become such a trend towards the growth of women on boards of directors, because they... just such a conservative approach, a restraining factor to some extent, and at the same time, analysis probably makes its own contribution, just, well, here i am i will support you, i myself, as an independent director of quite large... companies, he has a lot of experience, and i can say that in russia, unlike the whole world, where this is introduced by force, you know, how it should be like this, yes there on the basis of gender, and so in russia women are really very often, and, well, if not the chairman, then, correctly, the deputy chairman of the board of directors, why,

because she brings that very healthy conservatism, yes, when a man says, let’s go let's see, and the woman says, nowhere we won’t go, we don’t have money, and to go there to look, let’s take a risk, no, don’t, this approach has earned respect and acceptance from shareholders, yes, who, naturally, with much more peace of mind will leave the company to such a board of directors, where there is, well, let’s say, well, a direct brake, but there is an understandable brake, an understandable stop factor, yes, and it’s not just that we won’t do anything, women, as a rule , argue their position very well, but when you know how, when there is no says because i said so, portfolio by income now, if we talk about the fact that you have already mentioned that, as a rule, the return on women’s portfolios is lower, you can name some of these figures , there are some figures, here is the average return on a woman’s portfolio and a man’s, that’s right, well, the difference is somewhere... then about 3-5%, if you compare

portfolios, in terms of profitability, well, if i’m mistaken , that is, those men who lost are those who remained, yes, who received some? there the final investment received some kind of return, i think that if you add up with those who died in the battle unequal with the investments, then i think that the profitability of women will be significantly higher , well, i wouldn’t say so, because again, women simply invest less due to the fact that they earn less, about 27%, if you compare the profession or specialty of a man and women, for some reason this is the trend, tell me, there are some studies that show how much more often men deviate from an investment strategy than women, that is , how much more women are, well, i can’t say die-hard, but let’s say, consistent v execution of their strategy and to what extent they go to the end, rather than men who change, give up and something else, there is this kind of research data, well, i think that this is generally a percentage of about 20%, because the difference between investing

women and men in our country is approximately this, and of course, these are basically the largest cities, and also an interesting fact. real estate, it’s very interesting with the world, we really didn’t conduct such a study this year, but according to data from just last year year, why did we even begin to actively engage in this topic, because we analyzed our own portfolio in the bank, how many women, how many men, in order to simply understand what the actual ratio is, and what products, and generally looked at the world in general , it turned out that russian women... practically all over the world and the first spanish women, by the way , take their place, yes, and then the russian women come, but the only thing that, again, i repeat, is only large cities, and what is this? is it temperament? i think this is actually the historical factor is that, firstly, russian women have become more and more informed, and are trying

to open up some new products for family income and savings, this is the first point, the second point is important - it’s just additional income, i think it’s connected with this, well, plus, after all, our internet community is quite wide, and no matter what anyone says, the availability of the internet in the country is quite high, and apparently this is the moment it also plays a role, however, however, if we talk about financial literacy and i don’t know about the mentality that you touched on, this is precisely what is the stopping factor for investment in the country. financial is such a gap to some extent, and we devote quite a lot of our work to the topic of financial literacy, we film all sorts of video lessons and actually somehow try to expand the awareness of our clients, in

principle russians, which is why we gradually and gradually crept up on the topic women's investments, as far as i know , no one is engaged in this, but well, it’s really a topic very interesting. because, as i already said, the income of women compared to men is lower, in the regions this is really a very good help for the female population to increase their income, and also, as you know, investing and the growth of investments is, of course, supporting the regional economy. if you want to know more about investments, about financial literacy, about how financial life works in our country, look for the episode of the podcast easy money on the website of the first channel 1tv.ru. this is an easy money podcast. and today we are discussing the topic of women in investments. at one time, when i was thinking about this topic and when they also analyzed the audience, i think that initially, perhaps two factors led to this, that women began

to actually think, think about investments, well, firstly, these are wars, yes that our country has experienced, this is both the civil war and the great patriotic war, when a huge number of women on their shoulders, in fact, bore all this burden, when all the men went to the front, the same thing during crises, and which periodically shock, but well even in recent history russia, this is... the year and 2000, it’s the eighth year there, i’m not taking into account the liquidity crisis there, god bless them, it’s the fourteenth and covid, it always turns out that the man goes to work, yes, the woman answers, that is, the man has no time anymore to be distracted, that is, his task is to thresh at the face, and there to produce what is called coal, and then the woman begins the distribution , in fact, she is involved, and the actual question is this, regarding the difference in the portfolio, let’s go down a little into the specifics, when we... talk about women in investments, let’s say we don’t take deposits, yes, what is it just according to statistics, what does

a woman, an investor, pay attention to? well, of course, these are stocks, blue chips, that is, this is something that is more predictable, federal loan bonds, this is more difficult, although it is quite popular, but now, well, apparently there is still not enough knowledge to the end, and if bonds , then if you agree on some companies, that is, not state-owned, but some, it is more difficult here, this is the very last place now, that is, because more are needed analysis, because blue chips are rumored, but here we need them, we need to dig deep, that is, women also lack patience, not only is there not enough knowledge, in fact there is not enough knowledge, how many times have we talked to women in general, a very large percentage who invest in real estate in general among russians. well, real estate is our sore russian issue, yes, that there should be an apartment, all children also have an apartment, there

is nothing better there, you know, as you know, there is a saying, the best cheese is sausage, so with us, the best investment - this is to buy an apartment, but well, a woman, i want to say, i don’t know about men, but here i can assume that after all , we have more patience with this kind of patience, the female population likes to invest in real estate. but from the point of view of resale, i know one woman who, as a businessman, began her investment activity precisely with the purchase of an apartment , resale, like this , gradually, gradually, that is, in principle , she bought real estate not for the child, not for herself, just to increase profitability, well, here the state also pushes long-termism with taxation, yes, that is, for 3 years no one canceled the periods that you need to endure in order not to pay tax on the received money, well, you still need to build a house, this is the situation, although i think that everything after all, the portfolio should be mixed, and different tools

should be used, well, i understand correctly that a woman is actually such an example of a classic conservative investor, so if we take a gradation and move away from genders, yes, then we say that women are usually example, an example of a conservative investment portfolio, everything is so, yes, of course, there are such gardeners without a head and we also met such people, it’s very interesting to communicate with them, who just like gardeners without a head will need to be remembered very well, who invest their funds in what - these are just risky operations, but as a rule, they still , firstly, limit the budget, and well , after all, it’s still a more conservative approach, that is, a man can take more risks, buy some shares, etc.? we started something

talk about the topic of financial literacy, uh, we touched on it a little, well, actually there are two questions, yes, how effective do you think programs for increasing financial literacy are online programs, and in general, in principle, if you know such programs, what should the government do now? or private companies in this direction to what extent, that is, specifically, what work is going on to improve the financial literacy of the population, what do you know about such programs, various and relatively speaking collections are published, distributed online some videos, stories that are released, but this is of course, these are not one-time things, this program exists in the ministry of finance, and in fact has been developing for quite a long time, the central bank has long been engaged in increasing the financial literacy of the population, as for women's investments, probably only we are working in exactly this context, but here we also have very good... partners, as you have already named, and nafi, the ministry of finance, and a private

research institute, and there is such a eurasian women’s forum, with a council, in fact, where did the idea come from, including the idea of ​​increasing the literacy of the female population in terms of investments, that’s what we called our project, women’s leadership in investments, we actually launched a portal, which i think has already been working successfully, for almost 2 years, there with personal office, with really high-level experts, these are brokers, these are some people who actually. finance and bank employees from specialized departments who tell the population, well, the emphasis is clearly on women, yes, in order to attract attention, but in essence these tools are all training courses , they are designed for women and men, so this kind of portal is working for us more and more, we have more participants, that is, there is interest from people, and moreover,

we are within the framework of our... last one, which we carried out together with nafi. nafi is a research and development financial institute of the premun. that in the next year, about 17% of russians definitely want, those who have not invested, want to try to make investments, also add what this is connected with, not are you satisfied with the return on your deposits? i think that not only, firstly, they began to learn more, this is primarily due to this, precisely that same financial literacy, awareness, rather in this case, the first thing. i’ll interrupt that we hear this advertisement, yes, double your funds, triple, yes, having received the primary information that this is doubling, tripling, then the person comes there, well, to the bank, looks, okay, now the central bank has raised the rate there, we have deposits they go there at 11, 12%, even though it’s more than ten, yes, then, the man says, well, okay, where are my promised 100, yes, no, let’s do something else, and this, on the contrary, plays a bad, evil joke with the fact that game advertising,

many financial organizations promote their projects, they broadcast mountains of gold and actually push the population into well, in the information clutches of scammers, there is truth in your words, of course, these are the conventional methods of awareness, but rather attracting attention to one’s own activities, i don’t know, to one’s current activities, of course it can push people to simply do things thoughtlessly some investments and lose your money, of course, but to answer your question, why in general... there was such an investment boom, well, firstly, well, it just happened in our last years, at first we had covid, it was in covid, by the way, there was such a boom in the opening of brokerage accounts, when people sat at home, when profitability fell and began to look for ways, there was a lot of time, they began to read, actually open those very brokerage accounts, but at the same time these brokerage accounts

remain unused , that is, people opened, then everything stabilized more or less in the economy and they forgot about, that is, even the iis, well, an individual investment account, where you are guaranteed to receive a tax deduction from the state if you work for, well, 400,000 rubles, but nevertheless, that they say, this is enough, well, serious money, 52,000 rubles, you can get a one -time tax deduction or release your income from this account, you also need to know how to do this, yes, for example, there are a lot of people there who, when buying real estate there, do not receive on... instrument designed for the beginning of active use of the account and an individual account, it was actually created for this, well , somehow it’s left, and banks are now promoting iis or are still focusing on some of their investment, in my opinion, on their investment products in to a greater extent,

why? well, because it’s more profitable for the bank? business, so i would start with the fact that of course, well, objectively, probably, yes, this is the first most important message that needs to be sent to the audience, to those who are trying to actually educate themselves financially, yes, to obtain that very financial literacy is to give basic returns on, well, in this case, let it be rubles, but god bless him, they haven’t even reached dollars, yuan, yet, that is, a person must imagine what it is relative. risk-free income, yes, well, where someone guarantees it, well, there is either a bank, or as in government bonds, which is much more reliable, yes, i take this opportunity to say that bonds are much more reliable than a bank deposit, and at the same time they bear exactly the same profitability, yes, sometimes even a little higher, and sometimes a little lower, but approximately the same as the rates in banks, only here your deposit is guaranteed by a deposit insurance system, well, in fact, also by the state, but

only up to a certain amount, and in my opinion, up to a million now and 400. here i would start with the fact that everyone should imagine this level of profitability , because we have both women and men, i think, when everyone hears about 11-10%, they say, well, like, where are these ihsy, yes x2, x3 multiplication, but this is not, everyone should understand that this is real a huge risk, that’s how profitable it is, yes , even for financial institutions, yes, but the bank in this case, promotes exactly this kind of profitability and then develops it. his investor, well, let it be a woman, a man, it doesn’t matter, well, we widely, for example, use the ofz tool, but i want to say here that we probably need to tell more about it, really to the population, because it is in demand, of course, and even

is in very active demand, but at the same time, these are probably again large cities, that is, these are people who can somehow get information, we need to tell the population more widely about such instruments in general , as for deposits, well, here the income is probably still a little less, because there are restrictions there, there are again amount, it depends on the amount, yeah, that’s why, this is a nuance , this is an easy money podcast, and today we are discussing the topic of women in investments, which is a great source of trust for women in the perception of information, that is, who should it be, this must be some kind of government structure, that is, the speaker there is acceptable from the ministry of finance, or it should be some kind of scientist, that is, who women trust most in such a complex issue as investment, firstly, it is the woman’s psychotype that depends on herself, and secondly

secondly, it seems to me that women paint a collective image for themselves, if in general a woman begins to dive into the topic of investment, she will listen to this and that, and she will make some kind of conditional choice, that’s attracting attention, here i am i don’t even know, it seems to me that this must be something to be a famous person who... is somehow connected with the world of finance, but at the same time popular, for example, you are mikhail, i hope we will have a boom after the women’s program, everything is like in life, but you know how they come a man and a woman to a store, an ordinary grocery store, i don’t know what to buy , let’s say, there i don’t know, canned peas, but let’s say, a man sees a shelf with peas, takes them and goes to the cash register, don’t look at the brand of peas, but the woman needs to go around the whole store. then she’ll come up and pick up a bunch of stuff there, this too necessary, then she will carefully study the peas, and then there must be some famous person who advertises a certain brand of peas, she will choose it, that is, as i understand it, these are all

the patterns in life, they all work in investments, well , of course, they work , but by the way, if a man trusts more, for example, some financial organizations, brokers , uh, some management companies of his finances, as a rule, then women trust banks more, such a conservative approach, after all, banks. ..for women is more such a trust organization than some, for example, management company, that is, it turns out that , unlike men, because again this is a question of the risk factor, that is, a financial company is some kind of still incomprehensible beast on the market, the beast on the market is like this, yes, but there have always been banks, the main ones should definitely not let you down, the logic is in this, but what should be based on your research on how you watch your investors grow, what should be in your mind women, so that she is from such a conservative investor and a three-liter matbank at home to the bank, actually as a financial institution, even if we leave the ofz outside the brackets, what

needs to happen for her to become a truly full-fledged investor in the broad sense of the word and have already thought about such a word as an investment portfolio, well , here again , if you compare, a man can immediately go, relatively speaking, buy shares, without understanding it, then a woman... it’s more like she has such a step-by-step approach, she will first try one instrument, the second, the third, then there is something this says, if they all worked , that is, she gains more and more tools, then she actually increases her growth in investment knowledge and more use a wider range of tools, by the way, in court the question is based on experience, who is more turns to the services of investment advisors, men or women, men, that is, women prefer to figure everything out themselves. there are a lot of women investment advisers, i know myself, well, exactly for the same reason, they have grown in their knowledge and become to engage in, it feels like the smartest women teach men, and this is actually the main investment, but also such

an interesting factor, by the way, how long does it usually take for a woman to become so that one can say that she has really become a full-fledged investor , i can’t say according to statistics, it also depends on the person as a whole, well, how would such an approach be, i can say that, well, if. 39 years old is the most basic age for investment, that is, this is a woman who has already passed a certain professional path, which usually has a higher education , among such women there are many very entrepreneurs of a small average level, specialization in higher education plays a role or not, or the very fact of higher education as a certain such step plays plays plays, yes, but these are women who come from finance, just from the educational sphere, well, mostly of course, who are associated with entrepreneurial investment, financial activities, let's say so, let's let's talk about what's also an interesting point about how everything

there is how to invest, earn money, that's usually what... well, in the education of children, first of all, this is probably number one, such a task in this is long-term investment in order to later , in fact, invest this money in the education of children, including in your own education, and that is, these are some specific life tasks, life goals, this is definitely real estate, that is, this is not gold, diamonds and no, no, but interesting, that women... more wealthy, they are just thinking about it, we also had one such thing , well, i wouldn’t say it was a study, rather a round table on the topic of investing in art, in some precious metals, etc., and now it is gaining more and more turnover among the female entrepreneurial community , including, well, is becoming popular, then i will address the male part of our audience, dear men, men

invest in gold, dear men, do not envy. at least you will live with educated children and a woman next to him, this is also a journey, again a family pleasure, by the way, a direct difference, if a man invests in order to simply earn money, as a rule, without any tasks at all, well , as a rule, i want more money, relatively speaking. now i have this amount, i’ll invest it now, i’ll earn money there and i’ll be great, as if i’ll feel myself there, but the woman won’t, this is a different approach, these are immediately some tasks like this, well, some kind of social and family character, you know, you just said a word in word, for many years, my wife told me, you know why you can’t earn a lot of money, because you earn it just like that, when you see that you already have enough for everything, then

some kind of man works . in this way they set goals for investing, it turns out that from aimless just making money, but this is really so , indeed, if you set clear goals, and this is confirmed by all psychological studies on financial planning, budget management, with clear goals you you achieve them much faster, more clearly with a greater probability than if you just need to earn money, yes, because, because here psychologically a person stops as soon as the lower levels of maslov’s pyramid are filled, yes, known to everyone, according to needs, and as soon as the first three levels are filled, a man strives to sit on the sofa, well, with the most extreme exception, yes, because everything is fine, there are cars, apartments, dachas, everything is provided there, what else, and a woman is always like this, maybe there’s more to it

the difference, yes, yes, the basic rule is that the goal in investing should be a specific goal , from this you can form a portfolio that you need, that is, all women, without exception, come into investing with a specific goal, well, i have not met a woman who, to be honest, , that’s how much i talked to just the female gender, let’s say, who is somehow interested in investments, it’s really very important, every literal woman, she strives for a specific task, to solve a specific problem, yeah, really, returning to the topic, let’s say, use, well, a man has an interest in sports, yes , a man, a man is a hunter, but this is psychology, that’s important for men, so i can, i can, i did it, i did it, i can do it, i can , for what, let it be, here, here, here i can, yes, then a woman specifically has this masculine energy, well, it’s a well-known fact that a woman is needed in order to a

inspire a man, and b, in fact, the main a woman’s goal is preservation, procreation, therefore, in order to preserve the economy, it is necessary to increase the literacy of the female population in part of the investment, well, you know, i can say this, there is such a conventional phrase , there is russia, which we lost, i remember when many years ago, i looked... well, it’s one thing to read, yes, it’s another thing when you look staging, then you pay attention to some details and plus then i was already actively involved. and for the first time, yes, i read this work more than once , i noticed that the main character, when he told in the second part, this is the beginning of the century, yes, he tells his household what he will do after the sale of the estate,

in fact, there is the main plot of the work, and he declares, read it, just don’t be lazy, he declares that he will invest them in government bonds and will use this income there, for me it was such a revelation, i think why he was there or a theater critic, i don’t remember right now, well, a person associated with art, far from finance for sure, and he is completely calm, but operates with complex financial instruments, not a bank deposit, so he tells this to his household, who understand him, they understand what he says then there is when they say that all of russia is bast shoes, but at least in large cities, even on estates, that is, the level of literacy was such that such complex instruments were talked about simply as everyday things there, well, like, i’ll buy them. i don’t know, there’s a new hat with ribbons or something, i think that, well, of course, this is a generally normal approach to such a seemingly stable, stable economy, concluding our conversation, so that we really get not only female investors, male investors ,

i think that all market participants, and this is beneficial, should engage in simple basic education, yes, because when you are open, when you are transparent, i just noticed that a lot of advertising offers are based on... based on the ideology of transparency, yes, there are transparent conditions there, and transparent, there is a lot of promise towards openness, i think this is a very correct message, that is , you need to win trust first of all, through honesty, through your expertise, and then we will all grow together, including ours program, and successful women investors, and men, and in general the population of russia is very smart, i think we have a country, our people are very smart. i think that we deserve to be financially literate and successful, including financially, not only women. vera, thank you very much for your time , thank you, i hope that we will encourage a large number of women to become even more active, starting

from financial literacy, engage in successful investments, become successful investors, thank you, thank you. hello friends, this is the podcast life wonderful, i am with you, its host, writer, alexey varlamov, my guest is a wonderful director, evgeny borisovich komenkovich. hello, evgeniy borich, hello, professor, thank you for taking the time to come to our studio. i would like us to remember a little about the person whose name is named after the theater that you head, the workshop of pyotr fomenko, that ’s what kind of person pyotr naumovich fomenko was, why he has a theater, why not just a theatre, the workshop of pyotr fomenko, tell us

a little about him, very easy about pyotr naumovich to speak, because if you somehow try to disassemble him into components and classify him, then for me there is a very big question: what comes first, he as an artist, a great one, or as a person, very often when you meet people who knew fomenko personally , they first remember some meetings with him in life, and then they remember his performance, it happens, of course, the other way around, but for you, for me, everything is mixed up and it generally seems to me that this is that happy occasion when this is how a person lived, he did the same thing with peter naumovich, it seems to me, a priori it was impossible for him to be boring, it was simply excluded, but he had long, difficult rehearsals, sometimes he rehearsed for years, but it

was always very interesting, everything he did, and that’s where it begins, as for me it seems that the profession