financial decisions today there is a problem of competent orientation in this variety of financial instruments and people should be able to choose those financial instruments that correspond to them all financially competently. now it turns out that you know a vital skill that you can’t learn once, in fact. you need to study every day. that's all that colleagues said, and indeed life is accelerating otherwise , financial products appear and completely new concepts, ideas, and so on appear in our lives. further. yes. here's the same thing and sg and this is actually about such a long-term planning of your life. yes, we, those who are engaged in financial literacy, are always thinking about how to help people do their own long-term financial planning to look at their lives ahead, so now it’s more than relevant. the bank of russia is preparing new rules for the work of investors on the stock exchange for qualified and unqualified. how is it to protect those who

understand little about the market, but still want to invest qualification system. it has been in existence for many years. and now we are in the process of improving this procedure. we want to clarify the criteria for obtaining the status of a qualified investor so that it does not turn out formally. and now we are receiving a lot of complaints, from which it follows that people who received the status of a qualified investor. they also do not understand financial products, so we first of all want to proceed from the fact that a person has the necessary experience in the financial market and knowledge, and not other criteria, including including e, went through the recognition procedure on the basis of a certain amount of money. although this is the criterion. we also feel it is necessary to raise as well. in order for a person to have a certain airbag. you know, it's generally the right way. we support this, although there is a nuance that, in addition to qualifications, which are now, by and large, can be obtained on the basis of a single

amount, for example, 6 million rubles. it is also necessary to test for the experience of the investor. after all, what is the problem, what a person, maybe let's sell his apartment for 6 million rubles. and in fact. he is already an investor. although he has no experience, that is, such a person can already buy complex tools, although by and large. he may not have investment experience at all. therefore, in sberbank, in addition to the qualification test, the availability of a certain amount. we are also testing the client for his knowledge of the financial market. it is very important. a marx study for the bank of russia says that every fourth new investor with less than a year and a half experience decided to exit to the exchange due to the fact that they are now calling for this just from everywhere in all social networks there are accounts in which they give advice. what to do with money and here, of course, an important issue is the overabundance of information and its filtering. how to understand which source you can trust about which not, but it is obvious that not all bloggers

among these bloggers can be trusted. uh, well, a lot of people, uh, who are just pr. they just have to somehow show themselves to say something, i rarely go in and look. e. well, sometimes they talk such nonsense, to put it mildly. and of course, this is not financial education. this is not financial knowledge. it's just, uh, to attract some kind of audience, but systematic and financial knowledge, probably, can be obtained. and we have several federal centers. i mean. there is a higher school of economics at moscow state university, there is a financial university, where we try to teach. eh, financial literacy. it's in a systemic way. here, uh, of such interest in the financial market, experts come who express their opinion, and useful e gives information to consumers, and also there are

just bloggers without deep knowledge in the field of the financial market, if the activities of some e can be useful, because they will give some basic idea of ​​the financial market, then the activities of others are aimed at selling some product to raise cash , and it may carry the risk of loss for investors. there are things to pay attention to. uh, first of all, does this one have a face that gives recommendations the status of an investment adviser, and if he does not have the status of an investment adviser, then he cannot give individual investment advice and general advice must be distinguished from individual investment advice. if some advice is given to bloggers who do not have statuses, then he naturally does not carry it. for this, there is no responsibility for the right such conscientious experts. they will definitely notify about the risks of investing, that, and there are financial pyramids.

do not invest here, but there are various complex financial products. they carry the risk of loss. now, if there are no such warnings, that's all, uh, a recommendation, what will you put in here ? what will you definitely earn? this is the risk zone, and you should pay attention to it, you know, i have a negative attitude to advice in 15 seconds, after all, as in finance. we need such a clearer fundamental approach here, so i would recommend that such investors, in addition to uh, bloggers, look at more sberbank courses excellent financial literacy course. exactly on this topic? there is, and it is also changing. yes, except for the traditional formats of such lectures, but the stories of basic things about financial literacy. and now we see that the labor market is changing yes , there are new forms of self-employed, new types of relationships between employees and employers. in russia, over the past 2 years , the number of cases of telephone

fraud has increased, according to kaspersky lab, 45 billion rubles. according to the ministry of internal affairs only for january-november last year. they stole from the russians and, of course, the elderly population is more than others in the risk zone, so i have two questions here, firstly, now against the background of the crisis, how scammers always become active, how to counter them, how to recognize them? and secondly, the elderly population. the most vulnerable. what programs are there for them telephone fraud remains one of the most common ways to deceive citizens. and of course, the elderly are more likely to suffer, and there are clear signs of a fraudster. such he first contacts you. this maybe an sms call an e-mail starts to scare that you will lose your money, if you do not take some action, or vice versa, it speaks of winning a profitable offer. the main thing that interests him is personal information, the pin code of the ko series

. here about these, uh, the basic rules of conduct and others important issues of reasonable financial behavior are told by our experts and elderly muscovites at our events, but they treat the city press with great confidence, therefore we try to use this resource to convey the necessary information. one of the programs, maybe , uh, that's interesting. tell your grandmother this program, which the association implements jointly snef and uh, its essence is to make children more receptive to new information. they are trained, they are guides. here video materials and tell, uh, grandparents to parents about what they have learned attract. of course, uh, this doesn't solve all the problems,

but at least those problems are being addressed and, uh, in among our priority audiences. this is of course individuals, uh older and retired for this very reason and not always what is easy online for others for them. as you correctly said, it may not be acceptable, and therefore those traditional approaches to conversations are conversations in work collectives, and not only in place of residence, they remain very important, but also difficult in modern times, but for this there are people experts, volunteers of financial education who are just aimed at such work, pensioners are really such the most socially vulnerable category of people, uh, who, unfortunately, are too gullible and now they are influenced by these scammers in psychological and various ways. they are trying to lure various kinds of data. you can work with pensioners , we had a project with the government

we have been in moscow for 2 years, and we have been implementing this project in moscow, the vessel is an excellent network. uh, the center for social protection of the population and pensioners, they are bored sitting at home, they do not need to be taught financial literacy. they need to be taught financial security and warned about the possible risks of scammers about pyramid schemes, and so on, taught to recognize the signs of this pyramid scheme. it is very important for us to organize work with those active pensioners who are very active. well, he is interested, yes, and some modern technologies and is ready to help. yes they have willingness and ability to help people, and their own age to speak the same language with them. and in general, this moment of conversation in one language. he is also very important. yes we need to talk to everyone. so you people understood us, yes, that's why, well, just a lot of hmm, we communicate and come up with exactly how through those channels through which pensioners receive information. yes, there is a post office. ah,

indeed, the mfc and so on to convey the information that people really really need, which is why, it seems to me, such active active pensioners, and ours is also so large, and the army of assistants in this sense, and the second point, it seems to me, is also very important here. and this is a family . and in general, the topic of conversation in the family about money is such a moment that we began to lose at some point, yes, so we began to talk a little about money in the family, and this generation gap that we have children on tiktok it already means that they have been wanting to buy shares for 13 years, and the grandmother at this very moment is trying to transfer money to scammers in order to save this thirteen-year-old grandson. but this is just the one the very story that probably falls on us. yes, the autumn-winter season of moscow longevity will begin in september for those who actually have to talk with children and parents. this is a project that everyone is very good at and , uh, has long been known to hold

financial literacy classes after the break associated with the pandemic. we again began to hold financial literacy days in moscow districts at these events. representatives of the tax service work. they sort out the residents of a specific problem and cases it must be said that this format is very convenient for residents of the older generation, when you can improve financial literacy in your area close to home and gain new knowledge. shows a clear relationship between the financial difficulties of employees and their performance. those who have such problems are absent from work by 41% more. they are also less productive. in addition, the financial difficulties of every third person affect their health, well-being and, as a result, of course, labor productivity. is there any data in how much does such financial illiteracy of employees cost to their employers and the country, in our

opinion, this relationship definitely exists, but it is not always obvious, because it seems that the problems are not on the professional site. uh, in the past at the end of last year. we have carried out a big project together with the finnish university, just for work teams and, uh, experts are ready to come, they come, they talk to people, but in the very structure of the production process it is not at all easy to find time and not so much. eh, bye not everyone has the desire to have managers employers for this story. i think it’s just because e that they don’t fully understand the connection between e, it would seem that personal life, the personal problems of an employee and his return, or those problems that may arise because of this in production. but it seems to me that over time this story should, uh, develop and employers, too, competent people will join in and our task is to help them

build this system. well, there is already an enterprise that implements these programs through corporate volunteering financial literacy is little more than just a personal wallet. this is, in general, such a complex understanding of what your well-being consists of. yes, and this well-being, including consists of technologists that you pay. yes, how do you use them, and now the initiative budget movement is beginning to develop very actively in our country. all over the country when the people together with the municipalities make a decision. yes, what kind of projects should be implemented in the first place, are they ready to invest in them too? yes , that's why, probably, it's not just profitable. yes , this is also a very financial literacy helps a person, probably, to realize. these are the very advantages that we are talking about when we talk about sustainable development, and about these most incomprehensible letters is g yes, and once you

really start to look at your life in a complex. see. where is the actual balance? yes , that's where how to make my life stable, so that everything is in balance with me, a and long-term dreams were realized and savings were in the right financial instruments. i could put them in. what are some tips for managing a personal budget? you could give now to all russians, given the very turbulent times. what are the general tips? depending on the time, it is always relevant , regardless of the time, financial behavior must be rational, there are some tips that our experts give at educational events. they are about personal budgeting. create a personal or family financial plan accounting for income and expenses will help you match your financial goals with your capabilities. to do this , there are now different tools. these are special mobile applications. you can conveniently record income and expenses and mobile

applications of banks, where information is already reflected automatically. use tax deductions. they allow you to return part of the money spent on training in cultural and recreational services. treatment of the acquisition of real estate. payroll has now become much easier thanks to digitalization of tax services. and most importantly , regardless of time, age and profession. improve your financial literacy. build smart financial habits. i will give such universal advice advice number one - is to count and manage your budget. after all, there is. here is a universal rule of management that if you don’t measure something, then you don’t control it, and therefore the most important thing is to consider measuring in sberbank online there is a very good option. you can view your expenses and analyze them clearly there by months for and those, let's say from the farm that you spend money, therefore, i recommend everyone to use it, the second is that

you should save money for your expenses. that is, as soon as you get paid. you should not immediately spend it, but the remaining economy, but first save to save and then spend it, and for the rest of the expenses and third, you should have your own financial plan. that is, you must understand your clear goal, and what you are going for and methodically put off the goal for this. now i propose to choose topic for the next program. point your phone's camera at the qr code. choose the option that interests you the most. expectation and new trends of sustainable development and sg energy efficiency or juristic in the economy of the new world will discuss this topic, in the next program poverty eradication quality education decent work and economic growth is a goal-oriented development for which the ability to manage one's money plays an important role, the better the population understands how to properly reduce income and saving and investing costs, the better not

only for a single family, but for the whole country, financial literacy of everyone leads to overall economic well-being. it was a special project. green transition see you. even if the damaged liver does not bother you, it is better to take care of it in time. two active components could help relieve inflammation and restore liver cells. taking care of the liver with a vengeance seryoga why do you need so many red jackets. why psb credit card double cashback should be a lot of good? and i than issue a credit card from the fsb and return up to 11% for all purchases. i'll take a couple more. you have

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well, now footage from the government house. good afternoon colleagues, on behalf of the president, the government continues to systematically support preferential mortgages , allocates resources for the implementation of specialized programs, including in connection with the reduction of the rate to seven percent per annum, additional funds of more than 56 billion rubles were allocated today. most of them will go to finance a preferential program of more than 16.5 billion for family and almost 5 billion for the far east.