to help increase investor confidence in the financial market. but the question you raised. so, if an investment adviser gave a recommendation to allow an investor to buy those securities that are not allowed, which he would buy, as an already qualified investor, but we still treat this with restraint, because an investment adviser. now he gives recommendations, he takes the risk anyway, a person, and in the first place, time can pass between the recommendation and how carried out the transaction during this time the situation has changed people. eh, he himself does not know how to assess these risks, he took it upon himself and suffered losses. in addition, in our opinion, additional legislative changes are still required in order to expand the powers. here, including opportunities for investment advisors to more clearly set hmm the scope of responsibility, because now there are arny responsibility. it is written in a very formal way. vetnikam, for example,

have no requirements for their own funds. and even if, uh, the client who suffered can prove that the losses were caused by this one because of these tips, he bought it, not being, nor a qualified investor, then um, but there is nothing and no one to compensate for these losses. eh, here. and of course, uh, the very profession of investment advisors also needs to develop responsibility, because my colleagues say that when they look at how the services of investment advisors are developing, for example, many investment advisors offer training programs. it is very good. it's very good, but it is written in large letters that the investors are jewish three banks of russia and in very small letters that the investment adviser does not carry. uh, responsibility for your recommendations. well, here , too, somehow it is necessary to bring all this. let's say more. torn balanced view uh, the next

question online a yulia mizonova editor-in-chief of the portal abakan.ru hello and yulia amizonova. in the republic of khakassia, due to the rate cut, bank deposits again become unattractive for the population, and investing by unskilled, and players. on the stock exchange, there is nowhere for brokers and various pyramid schemes to lie. in the internet. they have bred on a simply terrifying scale, taking advantage of the low financial literacy of residents, where to go for the population with money. thank you indeed a very common question where to invest? unfortunately, there is no universal solution for every person. yes, it depends on the situation on his income on the amount of accumulated funds that he can, and hmm spend on investing.

everyone has their own risk appetite. what goals are some tolerable risks? it is, of course, very individually, but here are the bank deposits. they are the most conservative, probably the most popular way to uh save money. yes , deposit rates usually do not exceed inflation, but there is an insurance system that completely eliminates the risk of losing savings in a certain amount. yes, we now have 1.400, but, at the same time, there are different investment options, and depending on whether you are a qualified investor, you are not a qualified investor. uh, but that's available to unqualified investors. uh, most russian instruments on the stock exchange. we see that our company, many large companies are now coming out with placements, and restrictions that we introduce and we introduce precisely

to protect against risks for unqualified investors, because the stock market instruments themselves. they carry certain risks in this difference, that for example hmm with deposits. where a certain amount of it is fully insured, and when, uh, foreign securities are bought, investors must understand that they carry a risk. foreign jurisdictions. and if something happens to the papers, you will have to sue in the courts of foreign countries. uh, and here's the regulator. no way to protect , so people must make decisions based on this risk. and uh, those who can assess these risks are considered to be communicated, so for them more and a set of tools is available, as far as the pyramid is concerned. you really said this, but fraud in the financial market. unfortunately, we are

struggling with this in different ways, including these pyramids, and hmm. and we identify and work with law enforcement. and illegal participants in the financial markets that attract funds from citizens and now we support the bill that was prepared for the federation council a, which hmm but it is assumed that hmm uh, funds from citizens of individuals can only be attracted by legal entities with a certain status, so that illegal attracting funds from individuals of citizens is already to be stopped at the start, what is it called not when it turned out that how long does it take to find out? what kind of fraudulent scheme is it, not fraudulent at the start? thank you, and colleagues, please, olga hello olga

, about finances, the question is more from the audience now, already taking into account preferential rates, on mortgages. we see rates at the level of 3%. well, again, only for privileged groups of the population, these rates are achieved with the help of government support measures. and the question is given that we are striving for a broadcast from the bank of russia. here our economic observers are ready, after a while it analyze. open, kind, lively, comfortable, warm, interesting, convenient, cozy social network, where everyone will find their own. celebrate your birthday for a whole week minus 10% on all purchases with a card from the

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stock exchanges change, we always bet on people, and confidence, dignity, pride in this is our strength, the strength of our country, the fsb believes people. petrosyat 24 right now the main facts of this day the kiev regime continues to engage in

real terrorism, first to the tragic news from berdyansk, the deputy mayor of the city was killed according to the telegram channel of the city administration, everything happened in the colony microdistrict near the garages of ria novosti, citing their sources in the administration, they wrote that oleg boyko and his wife. lyudmila was killed with a makarov pistol well, in kherson in the kherson region, ukrainian militants directly in kherson. launched at least five haimar missiles at the building of the regional administration, the driver of the administration was killed on impact, a woman was injured for the heads administration of the region kirill e, stremausov said that the target of the strike was the acting head of sergei eliseev in the press service of elise. they said that he did not suffer the blow was inflicted at the time of the meeting of all the village, just now the

administrative city councils and you know now let's say this. frankly speaking, we can conclude that the intention is to strike violence e, in order to kill as many civilians as possible directly, and from the territory of the nikolaev region, most likely, because e is the closest middle say options - it's about 40 km. uh, up to just here the demarcation line, so maybe from there. we are clearing the rubble now. uh, flew specifically to me almost in my chair. let's say this. well, parts of the building were destroyed. in lugansk today, an explosion occurred in the building of the prosecutor general's office, the prosecutor general of the republic, his deputies were killed among the versions of the explosion of an improvised explosive device in the office of the prosecutor general. the prosecutor general 's office conducted a number of cases on and on fuses and on the saboteurs who were from the ukrainian

side, including the leaders of the people's militia of the luhansk people's republic and the head of the donetsk people's republic, plus a number of things that are related specifically to the investigation. e activities of spies demolitionists. e. and now, on the same days, it is literally already the second day there, in my opinion, today, right in front of the building of the luhansk general prosecutor's office, there is a court in which one of the figures is being heard, who were accused of pionage, who worked for the osce. here, are these things related or not? well , it’s difficult to say at the moment, but we can say for sure that there were people from the ukrainian side who wanted to strike at law enforcement agencies from the leadership of law enforcement agencies in the luhansk people’s republic . unfortunately enough to plant. now they are still quite cautious, because we already had. situations where more than one explosive device was planted and now this building is actively cordoned off are being actively inspected. now in

in luhansk, in the building of the prosecutor's office, rescuers continue to work, sappers, the head of the investigative committee of russia, instructed to initiate a criminal case. investigators of the main investigation department of the investigative committee of russia, on behalf of the head of the department, initiated a criminal case on the fact of a terrorist act in the building of the general prosecutor's office of the luhansk people's republic as a result of a crime committed in the performance of their duties, the heads of the supervisory department sergey sergeevich garenko and his deputy ekaterina nikolaevna died steglenko, the investigative committee of russia, as part of the investigation of the criminal case, will identify all the persons involved in this crime and give a fundamental legal assessment of their actions. the day before, the city of valuiki in the belgorod region was shelled, one person was killed, two more were injured in the city, the air defense system worked, the substation was damaged