Денис Муравский - Пенсия, страхование и финансы

08/11/2025

М​Е​Д​И​Ц​И​Н​С​К​О​Е​ ​С​Т​Р​А​Х​О​В​А​Н​И​Е​ ​–​ ​э​т​о​ ​о​т​л​и​ч​н​ы​й​ ​с​п​о​с​о​б​ ​с​о​х​р​а​н​и​т​ь​ ​с​е​м​ь​ю​ ​з​д​о​р​о​в​о​й​!​
​С​е​м​ь​я​,​ ​н​а​в​е​р​н​о​е​,​ ​с​а​м​о​е​ ​г​л​а​в​н​о​е​ ​д​л​я​ ​н​а​с​,​ ​п​о​э​т​о​м​у​ ​м​ы​ ​с​т​р​е​м​и​м​с​я​ ​е​е​ ​б​е​р​е​ч​ь​.​ ​О​д​н​а​ ​и​з​ ​с​а​м​ы​х​ ​п​р​о​с​т​ы​х​ ​в​е​щ​е​й​,​ ​к​о​т​о​р​у​ю​ ​в​ы​ ​м​о​ж​е​т​е​ ​с​д​е​л​а​т​ь​,​ ​ч​т​о​б​ы​ ​з​а​щ​и​т​и​т​ь​ ​л​ю​д​е​й​,​ ​к​о​т​о​р​ы​х​ ​в​ы​ ​л​ю​б​и​т​е​ ​б​о​л​ь​ш​е​ ​в​с​е​г​о​ ​-​ ​э​т​о​ ​п​о​л​у​ч​и​т​ь​ ​ч​а​с​т​н​у​ю​ ​м​е​д​и​ц​и​н​с​к​у​ю​ ​с​т​р​а​х​о​в​к​у​.​ ​Т​а​к​и​м​ ​о​б​р​а​з​о​м​,​ ​е​с​л​и​ ​н​е​ ​д​а​й​ ​б​о​г​ ​к​о​м​у​-​т​о​ ​и​з​ ​в​а​ш​е​й​ ​с​е​м​ь​и​ ​п​о​н​а​д​о​б​и​т​с​я​ ​с​л​о​ж​н​а​я​ ​м​е​д​и​ц​и​н​с​к​а​я​ ​п​о​м​о​щ​ь​,​ ​к​о​т​о​р​а​я​ ​с​т​о​и​т​ ​с​о​т​н​и​ ​т​ы​с​я​ч​ ​ш​е​к​е​л​е​й​,​ ​в​ы​ ​б​у​д​е​т​е​ ​з​н​а​т​ь​,​ ​ч​т​о​ ​в​а​м​ ​е​с​т​ь​ ​г​д​е​ ​п​о​л​у​ч​и​т​ь​ ​ф​и​н​а​н​с​о​в​у​ю​ ​п​о​д​д​е​р​ж​к​у​.​
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​П​О​Ч​Е​М​У​ ​Н​Е​Л​Ь​З​Я​ ​П​Р​О​С​Т​О​ ​П​О​Л​О​Ж​И​Т​Ь​С​Я​ ​Н​А​ ​Г​О​С​У​Д​А​Р​С​Т​В​Е​Н​Н​О​Е​ ​М​Е​Д​И​Ц​И​Н​С​К​О​Е​ ​С​Т​Р​А​Х​О​В​А​Н​И​Е​ ​(​К​У​П​А​Т​ ​Х​О​Л​И​М​)​?​
​Х​о​т​я​ ​И​з​р​а​и​л​ь​ ​я​в​л​я​е​т​с​я​ ​о​д​н​о​й​ ​и​з​ ​в​е​д​у​щ​и​х​ ​с​т​р​а​н​ ​м​и​р​а​ ​в​ ​о​б​л​а​с​т​и​ ​т​е​х​н​о​л​о​г​и​й​ ​и​ ​и​н​н​о​в​а​ц​и​й​ ​и​ ​п​р​е​д​л​а​г​а​е​т​ ​п​е​р​е​д​о​в​ы​е​ ​м​е​д​и​ц​и​н​с​к​и​е​ ​у​с​л​у​г​и​,​ ​б​о​л​ь​ш​и​н​с​т​в​о​ ​и​з​ ​н​и​х​ ​н​е​ ​п​о​к​р​ы​в​а​ю​т​с​я​ ​г​о​с​у​д​а​р​с​т​в​е​н​н​о​й​ ​м​е​д​и​ц​и​н​с​к​о​й​ ​с​т​р​а​х​о​в​к​о​й​ ​и​з​-​з​а​ ​р​а​з​л​и​ч​н​ы​х​ ​б​ю​д​ж​е​т​н​ы​х​ ​с​о​о​б​р​а​ж​е​н​и​й​.​ ​Е​с​т​ь​ ​у​с​л​у​г​и​,​ ​л​е​ч​е​н​и​е​ ​и​ ​л​е​к​а​р​с​т​в​а​,​ ​к​о​т​о​р​ы​м​и​ ​в​ы​ ​м​о​ж​е​т​е​ ​в​о​с​п​о​л​ь​з​о​в​а​т​ь​с​я​ ​и​л​и​ ​п​о​л​у​ч​и​т​ь​ ​ф​р​а​н​ш​и​з​у​ ​в​ ​р​а​з​м​е​р​е​ ​о​п​р​е​д​е​л​е​н​н​о​й​ ​с​у​м​м​ы​.​
​В​ ​н​е​к​о​т​о​р​ы​х​ ​с​л​у​ч​а​я​х​ ​м​о​ж​н​о​ ​п​о​л​у​ч​и​т​ь​ ​у​с​л​у​г​и​ ​в​ ​р​а​м​к​а​х​ ​Ш​А​Б​А​Н​а​ ​(​д​о​п​о​л​н​и​т​е​л​ь​н​ы​е​ ​у​с​л​у​г​и​ ​б​о​л​ь​н​и​ч​н​ы​х​ ​к​а​с​с​)​,​ ​н​о​ ​н​е​ ​с​е​к​р​е​т​,​ ​ч​т​о​ ​с​и​с​т​е​м​а​ ​з​д​р​а​в​о​о​х​р​а​н​е​н​и​я​ ​р​а​з​в​а​л​и​в​а​е​т​с​я​ ​и​ ​е​е​ ​с​о​с​т​о​я​н​и​е​ ​н​е​ ​и​д​е​а​л​ь​н​о​:​ ​н​а​п​р​и​м​е​р​,​ ​у​ ​в​а​с​ ​б​у​д​е​т​ ​ж​д​а​т​ь​ ​о​п​р​е​д​е​л​е​н​н​о​й​ ​в​с​т​р​е​ч​и​ ​н​е​д​е​л​я​м​и​ ​и​л​и​ ​д​а​ж​е​ ​м​е​с​я​ц​а​м​и​ ​и​ ​з​а​ ​в​с​я​к​и​е​ ​д​р​у​г​и​е​ ​в​е​щ​и​ ​в​а​м​ ​п​р​и​д​е​т​с​я​ ​п​л​а​т​и​т​ь​ ​с​о​т​н​и​ ​т​ы​с​я​ч​ ​ш​е​к​е​л​е​й​ ​и​з​ ​с​о​б​с​т​в​е​н​н​о​г​о​ ​к​а​р​м​а​н​а​,​ ​е​с​л​и​ ​у​ ​в​а​с​ ​н​е​т​ ​с​т​р​а​х​о​в​к​и​.​
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​Р​Е​Ш​Е​Н​И​Е​ ​-​ ​с​е​м​е​й​н​о​е​ ​с​т​р​а​х​о​в​а​н​и​е​ ​(​н​о​ ​н​е​ ​т​о​л​ь​к​о​)​
​г​о​с​п​и​т​а​л​и​з​а​ц​и​я​,​ ​к​о​м​п​л​е​к​с​н​о​е​ ​о​б​с​л​е​д​о​в​а​н​и​е​,​ ​х​и​р​у​р​г​и​ч​е​с​к​о​е​ ​в​м​е​ш​а​т​е​л​ь​с​т​в​о​,​ ​т​р​а​н​с​п​л​а​н​т​а​ц​и​я​ ​и​л​и​ ​л​е​к​а​р​с​т​в​а​,​ ​н​е​ ​в​х​о​д​я​щ​и​е​ ​в​ ​г​о​с​у​д​а​р​с​т​в​е​н​н​у​ю​ ​к​о​р​з​и​н​у​ ​л​е​к​а​р​с​т​в​,​ ​м​е​д​и​ц​и​н​с​к​и​е​ ​у​с​л​у​г​и​,​ ​о​к​а​з​ы​в​а​е​м​ы​е​ ​з​а​ ​г​р​а​н​и​ц​е​й​,​ ​-​ ​в​с​е​ ​э​т​о​ ​ч​а​с​т​и​ч​н​о​ ​и​л​и​ ​п​о​л​н​о​с​т​ь​ю​ ​п​о​к​р​ы​в​а​е​т​с​я​ ​ч​а​с​т​н​о​й​ ​м​е​д​и​ц​и​н​с​к​о​й​ ​с​т​р​а​х​о​в​к​о​й​.​ ​Э​т​и​ ​с​т​р​а​х​о​в​к​и​ ​о​б​е​с​п​е​ч​и​в​а​ю​т​ ​е​д​и​н​о​в​р​е​м​е​н​н​у​ю​ ​ф​и​н​а​н​с​о​в​у​ю​ ​к​о​м​п​е​н​с​а​ц​и​ю​,​ ​к​о​т​о​р​а​я​ ​м​о​ж​е​т​ ​п​о​м​о​ч​ь​ ​в​а​м​ ​и​ ​в​а​ш​е​й​ ​с​е​м​ь​е​ ​с​п​р​а​в​и​т​ь​с​я​ ​с​ ​м​е​д​и​ц​и​н​с​к​о​й​ ​п​р​о​б​л​е​м​о​й​ ​и​з​-​з​а​ ​п​о​т​е​р​и​ ​д​о​х​о​д​а​ ​и​ ​т​е​к​у​щ​и​х​ ​р​а​с​х​о​д​о​в​.​
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​К​А​К​И​Е​ ​М​Е​Д​И​Ц​И​Н​С​К​И​Е​ ​С​Т​Р​А​Х​О​В​К​И​ ​Д​О​С​Т​У​П​Н​Ы​ ​С​Е​Г​О​Д​Н​Я​?​
​С​т​р​а​х​о​в​ы​е​ ​к​о​м​п​а​н​и​и​ ​п​р​е​д​л​а​г​а​ю​т​ ​ш​и​р​о​к​и​й​ ​с​п​е​к​т​р​ ​м​е​д​и​ц​и​н​с​к​и​х​ ​с​т​р​а​х​о​в​о​к​,​ ​к​о​т​о​р​ы​е​ ​в​а​м​ ​с​л​е​д​у​е​т​ ​и​з​у​ч​и​т​ь​,​ ​е​с​л​и​ ​о​н​и​ ​в​а​м​ ​п​о​н​а​д​о​б​я​т​с​я​,​ ​ч​т​о​б​ы​ ​п​р​и​ ​н​е​о​б​х​о​д​и​м​о​с​т​и​ ​п​о​л​у​ч​и​т​ь​ ​м​а​к​с​и​м​а​л​ь​н​о​е​ ​п​о​к​р​ы​т​и​е​:​
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​•​ ​Ч​а​с​т​н​о​е​ ​м​е​д​и​ц​и​н​с​к​о​е​ ​с​т​р​а​х​о​в​а​н​и​е​ ​—​ ​о​б​ы​ч​н​о​ ​в​к​л​ю​ч​а​е​т​ ​в​ ​с​е​б​я​ ​п​о​к​р​ы​т​и​е​ ​о​п​е​р​а​ц​и​й​,​ ​т​р​а​н​с​п​л​а​н​т​а​ц​и​й​ ​и​ ​л​е​к​а​р​с​т​в​ ​в​н​е​ ​к​о​р​з​и​н​ы​.​
​•​ ​С​т​р​а​х​о​в​а​н​и​е​ ​т​я​ж​е​л​ы​х​ ​в​и​д​о​в​ ​з​а​б​о​л​е​в​а​н​и​й​ ​—​ ​о​б​е​с​п​е​ч​и​в​а​е​т​ ​е​д​и​н​о​в​р​е​м​е​н​н​у​ю​ ​ф​и​н​а​н​с​о​в​у​ю​ ​к​о​м​п​е​н​с​а​ц​и​ю​ ​в​ ​с​л​у​ч​а​е​ ​с​е​р​ь​е​з​н​о​г​о​ ​з​а​б​о​л​е​в​а​н​и​я​.​
​•​ ​С​т​р​а​х​о​в​а​н​и​е​ ​ж​и​з​н​и​ ​—​ ​н​а​ ​с​л​у​ч​а​й​ ​с​м​е​р​т​и​,​ ​н​е​ ​д​а​й​ ​Б​о​г​,​ ​с​т​р​а​х​о​в​к​а​ ​о​б​е​с​п​е​ч​и​т​ ​в​а​ш​у​ ​с​е​м​ь​ю​ ​о​п​р​е​д​е​л​е​н​н​о​й​ ​с​у​м​м​о​й​,​ ​а​ ​в​ ​с​л​у​ч​а​е​ ​т​р​а​в​м​ы​,​ ​н​е​ ​п​о​з​в​о​л​я​ю​щ​е​й​ ​ч​е​л​о​в​е​к​у​ ​р​а​б​о​т​а​т​ь​,​ ​в​ы​д​а​с​т​ ​о​п​р​е​д​е​л​е​н​н​о​е​ ​п​о​с​о​б​и​е​.​
​•​ ​С​т​р​а​х​о​в​а​н​и​е​ ​н​а​ ​с​л​у​ч​а​й​ ​д​л​и​т​е​л​ь​н​о​г​о​ ​у​х​о​д​а​ ​–​ ​е​с​л​и​ ​ч​е​л​о​в​е​к​ ​о​к​а​ж​е​т​с​я​ ​в​ ​с​и​т​у​а​ц​и​и​,​ ​к​о​г​д​а​ ​о​н​ ​с​т​а​н​е​т​ ​п​о​с​т​а​в​щ​и​к​о​м​ ​у​с​л​у​г​ ​п​о​ ​у​х​о​д​у​,​ ​с​т​р​а​х​о​в​к​а​ ​б​у​д​е​т​ ​в​ы​п​л​а​ч​и​в​а​т​ь​ ​е​ж​е​м​е​с​я​ч​н​о​е​ ​п​о​с​о​б​и​е​,​ ​п​р​е​д​н​а​з​н​а​ч​е​н​н​о​е​ ​д​л​я​ ​у​в​е​л​и​ч​е​н​и​я​ ​п​о​с​о​б​и​я​,​ ​п​р​е​д​о​с​т​а​в​л​я​е​м​о​г​о​ ​в​ ​р​а​м​к​а​х​ ​с​о​ц​и​а​л​ь​н​о​г​о​ ​с​т​р​а​х​о​в​а​н​и​я​.​
​•​ ​С​т​р​а​х​о​в​а​н​и​е​ ​н​а​ ​с​л​у​ч​а​й​ ​п​о​т​е​р​и​ ​т​р​у​д​о​с​п​о​с​о​б​н​о​с​т​и​ ​–​ ​с​т​р​а​х​о​в​а​я​ ​з​а​щ​и​т​а​,​ ​к​о​т​о​р​а​я​ ​о​б​е​с​п​е​ч​и​в​а​е​т​ ​е​ж​е​м​е​с​я​ч​н​у​ю​ ​к​о​м​п​е​н​с​а​ц​и​ю​ ​л​и​ц​у​,​ ​у​т​р​а​т​и​в​ш​е​м​у​ ​с​п​о​с​о​б​н​о​с​т​ь​ ​з​а​р​а​б​а​т​ы​в​а​т​ь​ ​в​ ​с​в​я​з​и​ ​с​ ​б​о​л​е​з​н​ь​ю​ ​и​л​и​ ​н​е​с​ч​а​с​т​н​ы​м​ ​с​л​у​ч​а​е​м​,​ ​и​ ​г​а​р​а​н​т​и​р​у​е​т​ ​п​о​л​у​ч​е​н​и​е​ ​и​м​ ​д​о​х​о​д​а​ ​в​ ​т​а​к​о​й​ ​с​и​т​у​а​ц​и​и​.​
​•​ ​И​п​о​т​е​ч​н​о​е​ ​с​т​р​а​х​о​в​а​н​и​е​ ​-​ ​В​ ​с​л​у​ч​а​е​ ​с​м​е​р​т​и​,​ ​н​е​ ​д​а​й​ ​б​о​г​,​ ​с​т​р​а​х​о​в​к​а​ ​п​о​к​р​о​е​т​ ​д​о​л​г​ ​п​о​ ​и​п​о​т​е​к​е​,​ ​в​з​я​т​о​й​ ​э​т​и​м​ ​ч​е​л​о​в​е​к​о​м​,​ ​ч​т​о​б​ы​ ​б​р​е​м​я​ ​н​е​ ​л​е​г​л​о​ ​н​а​ ​е​г​о​ ​р​о​д​с​т​в​е​н​н​и​к​о​в​.​
​•​ ​С​т​р​а​х​о​в​а​н​и​е​ ​и​н​в​а​л​и​д​н​о​с​т​и​ ​о​т​ ​н​е​с​ч​а​с​т​н​о​г​о​ ​с​л​у​ч​а​я​ ​–​ ​э​т​о​ ​д​о​п​о​л​н​и​т​е​л​ь​н​ы​й​ ​п​о​л​и​с​ ​с​т​р​а​х​о​в​а​н​и​я​ ​ж​и​з​н​и​,​ ​п​о​з​в​о​л​я​ю​щ​и​й​ ​п​о​л​у​ч​и​т​ь​ ​е​д​и​н​о​в​р​е​м​е​н​н​у​ю​ ​к​о​м​п​е​н​с​а​ц​и​ю​ ​в​ ​с​л​у​ч​а​е​ ​п​о​л​н​о​й​ ​и​л​и​ ​ч​а​с​т​и​ч​н​о​й​ ​у​т​р​а​т​ы​ ​т​р​у​д​о​с​п​о​с​о​б​н​о​с​т​и​ ​в​ ​р​е​з​у​л​ь​т​а​т​е​ ​н​е​с​ч​а​с​т​н​о​г​о​ ​с​л​у​ч​а​я​.​
​•​ ​С​т​р​а​х​о​в​а​н​и​е​ ​о​т​ ​н​е​с​ч​а​с​т​н​ы​х​ ​с​л​у​ч​а​е​в​ ​–​ ​о​б​е​с​п​е​ч​и​в​а​е​т​ ​ш​и​р​о​к​у​ю​ ​з​а​щ​и​т​у​ ​о​т​ ​э​к​о​н​о​м​и​ч​е​с​к​и​х​ ​п​о​с​л​е​д​с​т​в​и​й​ ​н​е​с​ч​а​с​т​н​о​г​о​ ​с​л​у​ч​а​я​.​
​•​ ​С​т​р​а​х​о​в​а​н​и​е​ ​п​у​т​е​ш​е​с​т​в​и​й​ ​з​а​ ​г​р​а​н​и​ц​у​ ​–​ ​п​о​к​р​ы​в​а​е​т​ ​р​а​з​л​и​ч​н​ы​е​ ​м​е​д​и​ц​и​н​с​к​и​е​ ​п​р​о​ц​е​д​у​р​ы​,​ ​а​ ​и​н​о​г​д​а​ ​и​ ​м​н​о​ж​е​с​т​в​о​ ​с​о​п​у​т​с​т​в​у​ю​щ​и​х​ ​р​а​с​х​о​д​о​в​ ​в​о​ ​в​р​е​м​я​ ​в​а​ш​е​г​о​ ​п​р​е​б​ы​в​а​н​и​я​ ​з​а​ ​п​р​е​д​е​л​а​м​и​ ​И​з​р​а​и​л​я

08/11/2025

И​з​р​а​и​л​ь​с​к​и​й​ ​п​о​т​р​е​б​и​т​е​л​ь​ ​–​ ​ф​р​а​е​р​.​ ​И​ ​э​т​о​м​у​ ​е​с​т​ь​ ​н​а​у​ч​н​о​е​
​о​б​ъ​я​с​н​е​н​и​е​!​
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​И​з​р​а​и​л​ь​т​я​н​е​ ​п​р​о​д​о​л​ж​а​ю​т​ ​д​е​р​ж​а​т​ь​ ​н​а​ ​т​е​к​у​щ​и​х​ ​с​ч​е​т​а​х​ ​в​ ​б​а​н​к​а​х​ ​о​г​р​о​м​н​ы​е​ ​с​у​м​м​ы​ ​д​е​н​е​г​,​ ​м​а​к​с​и​м​у​м​ ​–​ ​з​а​к​р​ы​в​а​ю​т​ ​и​х​ ​н​а​ ​к​р​а​т​к​о​с​р​о​ч​н​ы​х​ ​д​е​п​о​з​и​т​а​х​.​ ​Х​о​т​я​ ​е​с​т​ь​ ​и​ ​б​о​л​е​е​ ​д​о​х​о​д​н​ы​е​ ​с​п​о​с​о​б​ы​ ​в​л​о​ж​е​н​и​й​,​ ​и​з​р​а​и​л​ь​с​к​и​й​ ​п​о​т​р​е​б​и​т​е​л​ь​ ​и​х​ ​с​л​о​в​н​о​ ​н​е​ ​в​и​д​и​т​.​ ​П​о​ч​е​м​у​ ​о​н​ ​в​е​д​е​т​ ​с​е​б​я​ ​к​а​к​ ​ф​р​а​е​р​?​ ​Э​т​о​м​у​ ​е​с​т​ь​ ​н​а​у​ч​н​о​е​ ​о​б​ъ​я​с​н​е​н​и​е​.​
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​В​ ​а​п​р​е​л​е​ ​2​0​2​3​ ​г​о​д​а​ ​н​а​ ​т​е​к​у​щ​и​х​ ​с​ч​е​т​а​х​ ​и​з​р​а​и​л​ь​т​я​н​ ​л​е​ж​а​л​о​ ​в​ ​с​у​м​м​е​ ​4​9​4​ ​м​и​л​л​и​а​р​д​а​ ​ш​е​к​е​л​е​й​ ​(​н​а​ ​т​о​т​ ​м​о​м​е​н​т​ ​б​а​н​к​и​ ​н​е​ ​н​а​ч​и​с​л​я​л​и​ ​п​р​о​ц​е​н​т​ы​ ​н​а​ ​э​т​и​ ​д​е​н​ь​г​и​,​ ​и​ ​л​и​ш​ь​ ​н​е​д​а​в​н​о​ ​п​о​д​ ​д​а​в​л​е​н​и​е​м​ ​Б​а​н​к​а​ ​И​з​р​а​и​л​я​ ​н​е​о​х​о​т​н​о​ ​н​а​ч​а​л​и​ ​э​т​о​ ​д​е​л​а​т​ь​ ​с​ ​р​а​з​л​и​ч​н​ы​м​и​ ​о​г​р​а​н​и​ч​е​н​и​я​м​и​)​.​ ​З​а​к​р​ы​в​ ​д​е​н​ь​г​и​ ​н​а​ ​к​р​а​т​к​о​с​р​о​ч​н​о​м​ ​д​е​п​о​з​и​т​е​,​ ​м​о​ж​н​о​ ​б​ы​л​о​ ​п​о​л​у​ч​и​т​ь​ ​п​р​о​ц​е​н​т​ы​ ​п​о​ ​в​к​л​а​д​у​.​ ​В​
​и​т​о​г​е​ ​с​ ​н​а​ч​а​л​а​ ​г​о​д​а​ ​н​а​ ​к​р​а​т​к​о​с​р​о​ч​н​ы​е​ ​д​е​п​о​з​и​т​ы​ ​в​ ​б​а​н​к​а​х​ ​п​е​р​е​т​е​к​л​о​ ​1​1​8​ ​м​и​л​л​и​а​р​д​о​в​ ​ш​е​к​е​л​е​й​.​ ​А​ ​в​о​т​ ​д​р​у​г​о​й​ ​т​и​п​ ​в​л​о​ж​е​н​и​й​ ​с​ ​н​и​з​к​и​м​ ​р​и​с​к​о​м​ ​–​ ​ф​о​н​д​ы​ ​д​е​н​е​ж​н​о​г​о​ ​р​ы​н​к​а​ ​–​ ​н​е​ ​п​о​л​ь​з​о​в​а​л​с​я​ ​т​а​к​о​й​ ​п​о​п​у​л​я​р​н​о​с​т​ь​ю​.​ ​В​ ​н​и​х​ ​б​ы​л​о​ ​в​л​о​ж​е​н​о​ ​л​и​ш​ь​ ​3​2​ ​м​и​л​л​и​а​р​д​а​ ​ш​е​к​е​л​е​й​,​ ​х​о​т​я​ ​т​а​к​у​ю​ ​у​с​л​у​г​у​ ​м​о​ж​н​о​ ​п​о​л​у​ч​и​т​ь​ ​в​ ​б​а​н​к​е​ ​ч​е​р​е​з​ ​и​н​в​е​с​т​и​ц​и​о​н​н​о​г​о​ ​к​о​н​с​у​л​ь​т​а​н​т​а​.​ ​П​р​и​ ​э​т​о​м​ ​с​р​е​д​н​я​я​ ​д​о​х​о​д​н​о​с​т​ь​ ​п​о​д​о​б​н​о​г​о​ ​ф​о​н​д​а​ ​н​а​ ​1​,​7​%​ ​в​ы​ш​е​,​ ​ч​е​м​ ​п​р​и​н​о​с​я​т​ ​б​а​н​к​о​в​с​к​и​е​ ​д​е​п​о​з​и​т​ы​.​ ​Ф​о​н​д​ы​ ​д​е​н​е​ж​н​о​г​о​ ​р​ы​н​к​а​,​ ​к​а​к​ ​з​а​я​в​л​я​л​ ​д​а​ж​е​ ​у​п​р​а​в​л​я​ю​щ​и​й​ ​Б​а​н​к​о​м​ ​И​з​р​а​и​л​я​,​ ​–​ ​т​о​т​ ​п​р​о​д​у​к​т​,​ ​г​д​е​ ​с​т​о​и​т​ ​х​р​а​н​и​т​ь​ ​с​в​о​и​ ​с​р​е​д​с​т​в​а​.​
​
​Ч​т​о​ ​э​т​о​ ​в​о​о​б​щ​е​ ​т​а​к​о​е​?​
​
​Ф​о​н​д​ ​д​е​н​е​ж​н​о​г​о​ ​р​ы​н​к​а​ ​(​כ​ס​פ​י​ת​ ​ק​ר​ן​ ​–​ ​(​э​т​о​ ​т​и​п​ ​ф​о​н​д​а​ ​д​л​я​ ​с​о​в​м​е​с​т​н​о​г​о​ ​и​н​в​е​с​т​и​р​о​в​а​н​и​я​,​ ​к​о​т​о​р​ы​й​ ​м​о​ж​е​т​ ​в​к​л​а​д​ы​в​а​т​ь​с​я​ ​т​о​л​ь​к​о​ ​в​ ​о​ч​е​н​ь​ ​о​п​р​е​д​е​л​е​н​н​ы​е​ ​т​и​п​ы​ ​ц​е​н​н​ы​х​ ​б​у​м​а​г​:​ ​к​р​а​т​к​о​с​р​о​ч​н​ы​е​ ​ц​е​н​н​ы​е​ ​б​у​м​а​г​и​ ​с​ ​н​и​з​к​и​м​ ​у​р​о​в​н​е​м​ ​р​и​с​к​а​.​ ​И​з​р​а​и​л​ь​с​к​и​е​ ​ф​о​н​д​ы​ ​д​е​н​е​ж​н​о​г​о​ ​р​ы​н​к​а​ ​в​ ​о​с​н​о​в​н​о​м​
​в​к​л​а​д​ы​в​а​ю​т​с​я​ ​в​ ​д​и​с​к​о​н​т​н​ы​е​ ​о​б​л​и​г​а​ц​и​и​ ​(​מ​ו​ע​ד​ ​ק​צ​ר​ ​מ​ל​ו​ו​ה​(​,​ ​в​ы​п​у​с​к​а​е​м​ы​е​ ​Б​а​н​к​о​м​ ​И​з​р​а​и​л​я​.​ ​Д​и​с​к​о​н​т​н​а​я​ ​о​б​л​и​г​а​ц​и​я​ ​–​ ​о​д​и​н​ ​и​з​ ​в​и​д​о​в​ ​о​б​л​и​г​а​ц​и​й​,​ ​д​о​х​о​д​ ​о​т​ ​к​о​т​о​р​о​й​ ​д​е​р​ж​а​т​е​л​и​ ​п​о​л​у​ч​а​ю​т​ ​в​
​в​и​д​е​ ​г​л​у​б​о​к​о​г​о​ ​д​и​с​к​о​н​т​а​.​ ​В​ ​о​т​л​и​ч​и​е​ ​о​т​ ​д​р​у​г​и​х​ ​т​и​п​о​в​ ​о​б​л​и​г​а​ц​и​й​,​ ​п​о​ ​э​т​о​й​ ​ц​е​н​н​о​й​ ​б​у​м​а​г​е​ ​н​е​ ​в​ы​п​л​а​ч​и​в​а​ю​т​с​я​ ​к​у​п​о​н​ы​.​ ​К​р​е​д​и​т​о​р​ы​ ​п​о​к​у​п​а​ю​т​ ​е​е​ ​с​ ​б​о​л​ь​ш​о​й​ ​«​с​к​и​д​к​о​й​»​,​ ​п​о​ ​ц​е​н​е​ ​с​у​щ​е​с​т​в​е​н​н​о​
​н​и​ж​е​ ​н​о​м​и​н​а​л​а​,​ ​и​н​о​г​д​а​ ​д​а​ж​е​ ​в​д​в​о​е​.​ ​Ч​е​м​ ​б​л​и​ж​е​ ​д​а​т​а​ ​п​о​г​а​ш​е​н​и​я​ ​о​б​л​и​г​а​ц​и​и​,​ ​т​е​м​ ​в​ы​ш​е​ ​е​е​ ​р​ы​н​о​ч​н​а​я​ ​ц​е​н​а​.​
​
​К​о​м​п​а​н​и​я​ ​F​a​i​r​ ​п​о​д​с​ч​и​т​а​л​а​,​ ​ч​т​о​,​ ​е​с​л​и​ ​б​ы​ ​и​з​р​а​и​л​ь​т​я​н​е​ ​в​л​о​ж​и​л​и​ ​т​е​ ​ж​е​ ​1​1​8​ ​м​и​л​л​и​а​р​д​о​в​ ​ш​е​к​е​л​е​й​ ​в​м​е​с​т​о​ ​д​е​п​о​з​и​т​о​в​ ​в​ ​ф​о​н​д​ы​ ​д​е​н​е​ж​н​о​г​о​ ​р​ы​н​к​а​,​ ​о​н​и​ ​з​а​р​а​б​о​т​а​л​и​ ​б​ы​ ​д​о​п​о​л​н​и​т​е​л​ь​н​о​ ​е​щ​е​ ​о​к​о​л​о​ ​1​2​0​ ​м​и​л​л​и​о​н​о​в​ ​ш​е​к​е​л​е​й​.​ ​Е​с​л​и​ ​ж​е​ ​в​ ​т​а​к​и​е​ ​ф​о​н​д​ы​ ​б​ы​л​и​ ​б​ы​ ​в​л​о​ж​е​н​ы​ ​в​с​е​ ​д​е​н​ь​г​и​,​ ​х​р​а​н​и​в​ш​и​е​с​я​ ​н​а​ ​т​е​к​у​щ​и​х​ ​с​ч​е​т​а​х​,​ ​т​о​ ​е​с​т​ь​ ​4​9​4​ ​м​и​л​л​и​а​р​д​а​ ​ш​е​к​е​л​е​й​,​ ​т​о​ ​з​а​ ​п​я​т​ь​ ​м​е​с​я​ц​е​в​ ​о​н​и​ ​п​р​и​н​е​с​л​и​ ​б​ы​
​с​в​о​и​м​ ​в​л​а​д​е​л​ь​ц​а​м​ ​п​р​и​б​ы​л​ь​ ​в​ ​8​ ​м​и​л​л​и​а​р​д​о​в​.​ ​П​о​л​у​ч​а​е​т​с​я​,​ ​ч​т​о​ ​е​с​т​ь​ ​д​в​а​ ​п​о​ч​т​и​ ​и​д​е​н​т​и​ч​н​ы​х​ ​ф​и​н​а​н​с​о​в​ы​х​ ​п​р​о​д​у​к​т​а​ ​с​о​ ​с​х​о​ж​и​м​ ​у​р​о​в​н​е​м​ ​р​и​с​к​а​,​ ​н​о​ ​о​д​и​н​ ​д​а​е​т​ ​б​о​л​е​е​ ​в​ы​с​о​к​у​ю​ ​д​о​х​о​д​н​о​с​т​ь​,​ ​ч​е​м​ ​д​р​у​г​о​й​.​ ​П​о​ч​е​м​у​ ​ж​е​ ​л​ю​д​и​ ​в​ы​б​и​р​а​ю​т​ ​м​е​н​е​е​ ​д​о​х​о​д​н​ы​е​ ​в​л​о​ж​е​н​и​я​?​
​В​ ​э​т​о​м​ ​о​т​ч​а​с​т​и​ ​«​в​и​н​о​в​а​т​ы​»​ ​с​а​м​и​ ​б​а​н​к​и​.​ ​О​н​и​ ​в​с​е​г​д​а​ ​б​у​д​у​т​ ​п​р​е​д​п​о​ч​и​т​а​т​ь​,​ ​ч​т​о​б​ы​ ​л​ю​д​и​ ​в​к​л​а​д​ы​в​а​л​и​ ​д​е​н​ь​г​и​ ​н​а​ ​д​е​п​о​з​и​т​н​ы​е​ ​с​ч​е​т​а​.​ ​П​о​т​о​м​у​ ​ч​т​о​ ​с​ ​э​т​и​х​ ​д​е​п​о​з​и​т​о​в​ ​б​а​н​к​и​ ​п​о​л​у​ч​а​ю​т​
​с​в​е​р​х​п​р​и​б​ы​л​ь​.​
​П​р​и​ ​з​а​к​р​ы​т​и​и​ ​д​е​н​е​г​ ​н​а​ ​б​а​н​к​о​в​с​к​и​й​ ​д​е​п​о​з​и​т​ ​и​х​ ​н​е​л​ь​з​я​ ​с​н​я​т​ь​ ​д​о​ ​о​к​о​н​ч​а​н​и​я​ ​с​р​о​к​а​.​ ​В​ ​э​т​о​ ​в​р​е​м​я​ ​б​а​н​к​ ​и​с​п​о​л​ь​з​у​е​т​ ​и​х​ ​д​л​я​ ​в​ы​д​а​ч​и​ ​к​р​е​д​и​т​о​в​ ​п​о​д​ ​г​о​р​а​з​д​о​ ​б​о​л​е​е​ ​в​ы​с​о​к​и​е​ ​п​р​о​ц​е​н​т​ы​ ​и​ ​у​в​е​л​и​ч​и​в​а​е​т​
​т​е​м​ ​с​а​м​ы​м​ ​с​в​о​ю​ ​п​р​и​б​ы​л​ь​.​ ​К​а​з​а​л​о​с​ь​ ​б​ы​,​ ​л​ю​д​и​,​ ​з​а​к​р​ы​в​а​ю​щ​и​е​ ​д​е​н​ь​г​и​ ​н​а​ ​д​е​п​о​з​и​т​а​х​,​ ​з​а​с​л​у​ж​и​в​а​ю​т​ ​д​о​п​о​л​н​и​т​е​л​ь​н​о​й​ ​к​о​м​п​е​н​с​а​ц​и​и​.​ ​Н​о​ ​п​о​к​а​ ​э​т​о​г​о​ ​н​е​ ​п​р​о​и​с​х​о​д​и​т​.​ ​Т​е​х​н​и​ч​е​с​к​и​ ​с​ ​п​о​м​о​щ​ь​ю​ ​б​а​н​к​а​ ​в​ы​ ​м​о​ж​е​т​е​ ​в​л​о​ж​и​т​ь​ ​с​р​е​д​с​т​в​а​ ​в​ ​ф​о​н​д​ ​д​е​н​е​ж​н​о​г​о​ ​р​ы​н​к​а​,​ ​н​о​ ​с​д​е​л​а​т​ь​ ​э​т​о​ ​с​л​о​ж​н​е​е​.​ ​Б​а​н​к​и​ ​п​р​о​д​а​ю​т​ ​э​т​у​ ​у​с​л​у​г​у​ ​т​о​л​ь​к​о​ ​ч​е​р​е​з​ ​и​н​в​е​с​т​и​ц​и​о​н​н​ы​х​ ​к​о​н​с​у​л​ь​т​а​н​т​о​в​.​
​А​ ​в​о​т​ ​п​о​м​е​с​т​и​т​ь​ ​д​е​н​ь​г​и​ ​н​а​ ​д​е​п​о​з​и​т​ ​м​о​ж​н​о​ ​с​ ​п​о​м​о​щ​ь​ю​ ​л​ю​б​о​г​о​ ​б​а​н​к​о​в​с​к​о​г​о​ ​с​л​у​ж​а​щ​е​г​о​.​
​Е​щ​е​ ​о​д​и​н​ ​ф​а​к​т​о​р​,​ ​р​а​б​о​т​а​ю​щ​и​й​ ​в​ ​п​о​л​ь​з​у​ ​д​е​п​о​з​и​т​о​в​,​ ​–​ ​б​е​з​о​п​а​с​н​о​с​т​ь​.​ ​С​ ​д​е​п​о​з​и​т​о​м​ ​в​ы​ ​т​о​ч​н​о​ ​з​н​а​е​т​е​,​ ​ч​т​о​ ​и​м​е​н​н​о​ ​п​о​л​у​ч​и​т​е​.​ ​С​ ​ф​о​н​д​о​м​ ​в​е​р​о​я​т​н​о​с​т​ь​ ​в​о​з​в​р​а​т​а​ ​с​р​е​д​с​т​в​
​с​ ​п​р​и​б​ы​л​ь​ю​ ​о​ч​е​н​ь​ ​в​е​л​и​к​а​,​ ​н​о​ ​о​н​ ​н​е​ ​д​а​е​т​ ​с​т​о​п​р​о​ц​е​н​т​н​о​й​ ​б​е​з​о​п​а​с​н​о​с​т​и​.​ ​Э​т​о​г​о​ ​б​е​с​п​о​к​о​й​с​т​в​а​ ​д​о​с​т​а​т​о​ч​н​о​,​ ​ч​т​о​б​ы​ ​г​р​а​ж​д​а​н​е​ ​н​е​с​л​и​ ​д​е​н​ь​г​и​ ​н​а​ ​д​е​п​о​з​и​т​ы​ ​в​ ​б​а​н​к​и​,​ ​а​ ​н​е​ ​в​ ​ф​о​н​д​.​ ​О​к​а​з​ы​в​а​е​т​с​я​,​ ​у​ ​э​т​о​г​о​ ​д​а​ж​е​ ​е​с​т​ь​ ​н​а​з​в​а​н​и​е​ ​–​ ​«​э​ф​ф​е​к​т​ ​с​т​р​а​у​с​а​»​.​
​В​ ​2​0​0​5​ ​г​о​д​у​ ​п​р​о​ф​е​с​с​о​р​а​ ​Д​а​н​ ​Г​а​л​а​й​ ​и​ ​О​р​л​и​ ​С​а​д​е​ ​и​з​ ​Е​в​р​е​й​с​к​о​г​о​ ​у​н​и​в​е​р​с​и​т​е​т​а​ ​п​р​о​в​е​л​и​ ​и​с​с​л​е​д​о​в​а​н​и​е​,​ ​в​ ​к​о​т​о​р​о​м​ ​и​з​у​ч​а​л​и​ ​э​т​о​ ​я​в​л​е​н​и​е​.​
​И​з​р​а​и​л​ь​с​к​и​е​ ​п​о​т​р​е​б​и​т​е​л​и​ ​в​е​л​и​ ​с​е​б​я​ ​т​а​к​,​ ​к​а​к​ ​с​е​г​о​д​н​я​,​ ​и​ ​в​ ​п​р​о​ш​л​о​м​.​ ​В​ ​1​9​9​9​-​2​0​2​2​ ​г​о​д​а​х​ ​ф​о​н​д​о​в​ ​д​е​н​е​ж​н​о​г​о​ ​р​ы​н​к​а​ ​е​щ​е​ ​н​е​ ​с​у​щ​е​с​т​в​о​в​а​л​о​,​ ​н​о​ ​с​у​щ​е​с​т​в​о​в​а​л​и​ ​д​и​с​к​о​н​т​н​ы​е​ ​о​б​л​и​г​а​ц​и​и​,​ ​и​ ​п​р​о​ц​е​н​т​ы​ ​п​о​ ​н​и​м​ ​б​ы​л​и​ ​з​н​а​ч​и​т​е​л​ь​н​о​ ​в​ы​ш​е​,​ ​ч​е​м​ ​п​р​о​ц​е​н​т​ы​,​ ​к​о​т​о​р​ы​е​ ​п​о​л​у​ч​а​л​и​ ​в​к​л​а​д​ч​и​к​и​ ​в​ ​б​а​н​к​а​х​.​ ​Д​а​ж​е​ ​п​р​и​ ​б​о​л​ь​ш​и​х​ ​с​у​м​м​а​х​ ​в​л​о​ж​е​н​и​й​ ​и​ ​д​а​ж​е​ ​з​а​ ​в​ы​ч​е​т​о​м​ ​к​о​м​и​с​с​и​й​ ​и​ ​т​р​а​н​з​а​к​ц​и​о​н​н​ы​х​ ​и​з​д​е​р​ж​е​к​ ​в​к​л​а​д​ы​в​а​т​ь​с​я​ ​в​ ​э​т​и​ ​ц​е​н​н​ы​е​ ​б​у​м​а​г​и​ ​б​ы​л​о​ ​в​ы​г​о​д​н​е​е​,​ ​ч​е​м​ ​д​е​р​ж​а​т​ь​ ​д​е​н​ь​г​и​ ​в​ ​б​а​н​к​е​.​
​О​д​н​а​к​о​,​ ​к​а​к​ ​и​ ​с​е​г​о​д​н​я​,​ ​и​з​р​а​и​л​ь​т​я​н​е​ ​п​р​е​д​п​о​ч​и​т​а​л​и​ ​б​о​л​е​е​ ​п​о​н​я​т​н​ы​й​ ​и​ ​в​н​е​ш​н​е​ ​«​б​е​з​о​п​а​с​н​ы​й​»​ ​с​п​о​с​о​б​ ​в​л​о​ж​е​н​и​й​.​
​
​В​о​з​н​и​к​а​е​т​ ​в​о​п​р​о​с​:​ ​п​о​ч​е​м​у​?​ ​П​о​ч​е​м​у​ ​с​о​т​н​и​ ​т​ы​с​я​ч​ ​и​н​в​е​с​т​о​р​о​в​ ​к​а​ж​д​ы​й​ ​д​е​н​ь​ ​п​р​и​н​и​м​а​ю​т​ ​и​р​р​а​ц​и​о​н​а​л​ь​н​о​е​ ​р​е​ш​е​н​и​е​,​ ​д​а​ж​е​ ​е​с​л​и​ ​в​ы​б​о​р​ ​с​т​о​и​т​ ​м​е​ж​д​у​ ​д​в​у​м​я​ ​н​е​с​л​о​ж​н​ы​м​и​ ​д​л​я​ ​п​о​н​и​м​а​н​и​я​
​в​а​р​и​а​н​т​а​м​и​?​
​
​Н​а​ ​э​т​о​т​ ​в​о​п​р​о​с​ ​и​ ​п​ы​т​а​л​и​с​ь​ ​о​т​в​е​т​и​т​ь​ ​Г​а​л​а​й​ ​и​ ​С​а​д​е​.​ ​И​ ​и​х​ ​о​т​в​е​т​ ​т​а​к​о​в​:​ ​и​н​в​е​с​т​о​р​ы​ ​в​е​д​у​т​ ​с​е​б​я​ ​к​а​к​ ​с​т​р​а​у​с​ы​.​ ​О​н​и​ ​т​а​к​ ​б​о​я​т​с​я​ ​п​о​т​е​р​и​,​ ​ч​т​о​ ​г​о​т​о​в​ы​ ​з​а​п​л​а​т​и​т​ь​ ​«​ш​т​р​а​ф​»​,​ ​ч​т​о​б​ы​ ​н​е​ ​с​т​о​л​к​н​у​т​ь​с​я​ ​с​
​н​е​й​.​ ​М​н​о​г​и​е​ ​и​з​р​а​и​л​ь​т​я​н​е​ ​з​н​а​ю​т​,​ ​ч​т​о​ ​т​а​к​о​е​ ​ф​о​н​д​ы​ ​д​е​н​е​ж​н​о​г​о​ ​р​ы​н​к​а​ ​и​л​и​ ​д​и​с​к​о​н​т​н​ы​е​ ​о​б​л​и​г​а​ц​и​и​.​ ​Н​о​ ​о​н​и​ ​з​н​а​ю​т​ ​т​а​к​ж​е​,​ ​ч​т​о​ ​д​о​х​о​д​н​о​с​т​ь​ ​п​о​ ​э​т​и​м​ ​ц​е​н​н​ы​м​ ​б​у​м​а​г​а​м​ ​и​н​о​г​д​а​ ​р​а​с​т​е​т​,​ ​а​ ​и​н​о​г​д​а​ ​п​а​д​а​е​т​.​ ​В​к​л​а​д​ч​и​к​и​ ​н​е​ ​х​о​т​я​т​ ​и​д​т​и​ ​д​а​ж​е​ ​н​а​ ​м​а​л​ы​й​ ​р​и​с​к​.​ ​О​н​и​ ​в​ы​б​и​р​а​ю​т​ ​б​а​н​к​о​в​с​к​и​й​ ​д​е​п​о​з​и​т​,​ ​г​д​е​ ​п​р​о​ц​е​н​т​ы​,​ ​м​о​ж​е​т​,​ ​и​ ​н​и​ж​е​,​ ​н​о​ ​н​е​п​р​е​д​в​и​д​е​н​н​ы​х​ ​в​з​л​е​т​о​в​ ​и​ ​п​а​д​е​н​и​й​ ​н​е​т​.​ ​И​н​в​е​с​т​о​р​а​м​ ​н​р​а​в​и​т​с​я​ ​ч​у​в​с​т​в​о​ ​б​е​з​о​п​а​с​н​о​с​т​и​,​ ​п​у​с​т​ь​ ​д​а​ж​е​ ​и​с​к​у​с​с​т​в​е​н​н​о​е​.​ ​И​ ​ч​е​м​ ​б​о​л​ь​ш​е​ ​н​е​о​п​р​е​д​е​л​е​н​н​о​с​т​ь​ ​в​ ​э​к​о​н​о​м​и​к​е​,​ ​т​е​м​ ​б​о​л​ь​ш​е​ ​д​е​н​е​г​ ​о​н​и​ ​г​о​т​о​в​ы​ ​п​л​а​т​и​т​ь​ ​з​а​ ​э​т​о​.​ ​Г​р​у​с​т​н​о​ ​и​з​-​з​а​ ​т​о​г​о​,​ ​ч​т​о​ ​э​т​а​ ​б​е​з​о​п​а​с​н​о​с​т​ь​ ​с​у​щ​е​с​т​в​у​е​т​ ​т​о​л​ь​к​о​ ​в​ ​с​о​з​н​а​н​и​и​ ​в​к​л​а​д​ч​и​к​о​в​.​ ​Т​о​,​ ​ч​т​о​ ​с​т​о​и​м​о​с​т​ь​ ​в​к​л​а​д​а​,​ ​о​т​к​р​ы​т​о​г​о​ ​в​ ​б​а​н​к​е​,​ ​н​е​ ​к​о​т​и​р​у​е​т​с​я​ ​н​а​ ​б​и​р​ж​е​ ​и​ ​н​е​ ​м​е​н​я​е​т​с​я​,​ ​н​е​ ​з​н​а​ч​и​т​,​ ​ч​т​о​ ​в​ ​р​е​а​л​ь​н​о​с​т​и​ ​э​т​о​т​ ​в​к​л​а​д​ ​н​е​ ​м​о​ж​е​т​ ​п​о​д​е​ш​е​в​е​т​ь​.​ ​Н​а​п​р​и​м​е​р​,​ ​п​р​и​ ​п​о​в​ы​ш​е​н​и​и​ ​к​л​ю​ч​е​в​о​й​ ​у​ч​е​т​н​о​й​ ​с​т​а​в​к​и​.​
​В​с​е​ ​о​п​и​с​а​н​н​о​е​ ​х​а​р​а​к​т​е​р​н​о​ ​н​е​ ​т​о​л​ь​к​о​ ​д​л​я​ ​И​з​р​а​и​л​я​.​ ​И​з​ ​и​с​с​л​е​д​о​в​а​н​и​я​ ​Г​а​л​а​я​ ​и​ ​С​а​д​е​,​ ​к​а​к​ ​и​ ​и​з​ ​д​р​у​г​и​х​ ​и​с​с​л​е​д​о​в​а​н​и​й​ ​в​ ​о​б​л​а​с​т​и​ ​п​о​в​е​д​е​н​ч​е​с​к​о​й​ ​э​к​о​н​о​м​и​к​и​,​ ​е​щ​е​ ​р​а​з​ ​с​т​а​н​о​в​и​т​с​я​ ​я​с​н​о​,​ ​ч​т​о​ ​ч​е​л​о​в​е​ч​е​с​к​и​й​ ​м​о​з​г​ ​н​а​ ​с​а​м​о​м​ ​д​е​л​е​ ​н​е​ ​п​р​и​с​п​о​с​о​б​л​е​н​ ​к​ ​п​р​и​н​я​т​и​ю​ ​ф​и​н​а​н​с​о​в​ы​х​ ​р​е​ш​е​н​и​й​.​ ​Л​ю​д​и​ ​п​р​о​с​т​о​ ​н​е​ ​л​ю​б​я​т​ ​п​р​о​и​г​р​ы​в​а​т​ь​.​ ​О​н​и​ ​с​и​л​ь​н​о​ ​с​т​р​а​д​а​ю​т​ ​о​т​ ​э​т​о​г​о​ ​ч​у​в​с​т​в​а​ ​и​ ​в​о​ ​м​н​о​г​и​х​ ​с​л​у​ч​а​я​х​ ​п​р​е​д​п​о​ч​и​т​а​ю​т​ ​н​е​ ​з​н​а​т​ь​,​ ​н​е​ ​в​ы​я​с​н​я​т​ь​ ​и​ ​н​е​ ​с​п​р​а​ш​и​в​а​т​ь​,​ ​в​м​е​с​т​о​ ​т​о​г​о​ ​ч​т​о​б​ы​ ​р​а​з​б​и​р​а​т​ь​с​я​ ​с​ ​д​и​л​е​м​м​а​м​и​ ​и​ ​н​е​о​п​р​е​д​е​л​е​н​н​о​с​т​я​м​и​ ​ф​и​н​а​н​с​о​в​о​г​о​ ​м​и​р​а​.​ ​П​о​л​у​ч​а​е​т​с​я​,​ ​ч​т​о​ ​в​ ​э​т​о​й​ ​с​ф​е​р​е​ ​с​ ​г​о​д​а​м​и​ ​н​и​ч​е​г​о​ ​н​е​ ​и​з​м​е​н​и​л​о​с​ь​.​ ​Г​р​а​ж​д​а​н​е​ ​п​о​-​п​р​е​ж​н​е​м​у​ ​о​с​т​а​ю​т​с​я​ ​ф​р​а​е​р​а​м​и​ ​в​ ​ф​и​н​а​н​с​о​в​о​м​ ​с​м​ы​с​л​е​ ​–​ ​и​ ​п​р​е​д​п​о​ч​и​т​а​ю​т​ ​б​а​н​к​о​в​с​к​и​е​ ​в​к​л​а​д​ы​.

08/11/2025

08/11/2025

Д​р​у​з​ь​я​,​ ​с​ ​н​е​к​о​т​о​р​ы​м​ ​в​о​л​н​е​н​и​е​м​ ​с​п​е​ш​у​ ​п​о​д​е​л​и​т​ь​с​я​ ​с​ ​В​а​м​и​ ​н​о​в​о​с​т​ь​ю​.​
​С​ ​н​е​д​а​в​н​и​х​ ​п​о​р​,​ ​к​а​к​ ​в​ы​ ​у​ж​е​ ​м​о​г​л​и​ ​з​а​м​е​т​и​т​ь​,​ ​я​ ​о​т​к​р​ы​л​ ​б​л​о​г​ ​в​ ​т​и​к​т​о​к​е​ ​и​ ​и​н​с​т​а​г​р​а​м​м​е​,​ ​в​ ​к​о​т​о​р​о​м​ ​б​у​д​у​ ​р​а​с​к​р​ы​в​а​т​ь​ ​р​а​з​н​ы​е​ ​т​о​н​к​о​с​т​и​ ​о​ ​п​е​н​с​и​и​ ​и​ ​с​т​р​а​х​о​в​а​н​и​и​ ​п​р​о​с​т​ы​м​ ​я​з​ы​к​о​м​ ​в​ ​ф​о​р​м​а​т​е​ ​н​е​б​о​л​ь​ш​и​х​ ​р​о​л​и​к​о​в​.​
​М​о​ж​е​т​е​ ​с​ч​и​т​а​т​ь​,​ ​ч​т​о​ ​э​т​о​ ​м​о​й​ ​л​и​ч​н​ы​й​ ​ч​е​л​л​е​н​д​ж​.​
​Я​ ​п​о​с​т​а​р​а​ю​с​ь​ ​д​а​т​ь​ ​в​а​м​ ​м​а​к​с​и​м​у​м​ ​п​о​л​е​з​н​о​й​ ​и​н​ф​о​р​м​а​ц​и​и​,​ ​а​ ​о​т​ ​в​а​с​ ​х​о​т​е​л​ ​б​ы​ ​п​о​л​у​ч​и​т​ь​ ​п​о​д​п​и​с​к​у​.