The expert gave advice on a safe start in investments

More and more people are considering investments as a way to save and increase capital, but careless steps without proper understanding can lead to losses. How can a novice investor minimize risks and choose the right tools, the director of communications of the cryptocurrency exchange told Izvestia on October 2. Exmo.me Mikhail Smirnov.

"The first thing to start with is to define your own financial goals and horizons. Investments should not create stress or threaten the current standard of living. For those who are willing to invest in the long term, it is advisable to allocate capital between low—risk assets such as government bonds, deposits from large banks and exchange—traded funds (ETFs), and more profitable but volatile instruments such as stocks and cryptocurrencies," the expert said.

In addition, according to Smirnov, it is important for a beginner to understand how the selected assets work. For stocks, these are companies' financial statements, earnings figures, and market capitalization. For bonds, the maturity date, the issuer's rating and the coupon rate are important. Cryptocurrencies should be evaluated based on the liquidity, capitalization and reputation of the exchange. Among large cryptocurrencies such as Bitcoin and Ethereum, it is better to start because they are stable and liquid.

The expert noted that diversification and gradual increase of positions are important elements of a successful investment strategy. Even a small proportion of high-risk assets, such as cryptocurrencies, can significantly increase returns if the rest of the portfolio is more secure. It is worth starting with small amounts and gradually increasing investments as you gain experience.

"The fourth point concerns the choice of platforms and storage methods. For traditional assets, these are licensed brokers, for cryptocurrencies — verified wallets and exchanges with a proven reputation. It is important to choose not only the right exchange, but also the way to store assets," Smirnov said.

Do not forget about education, as well as constant monitoring of the market. For cryptocurrencies, it is necessary not only to monitor prices, but also to take into account factors such as liquidity, trading volume, capitalization, and regulatory news. Investors should pay attention to projects that are becoming drivers of interest, as well as which tokens are being discussed in communities and the media, as this directly affects the dynamics of the market.

The expert stressed that a balanced approach, diversification and continuous training will help minimize risks and form a sustainable investment portfolio.

September 17, CEO of the service Moneymatika.ru Maxim Molderf gave Russians tips on making money in gold. According to him, with an investment of 100 thousand rubles in August 2025, the capital can grow to 126 thousand rubles by January 2026, to 144 thousand by July 2026 and to 170 thousand rubles by January 2027. He noted that the actual return on investment could be even higher, for example, with an increase in demand for gold from central banks or increased geopolitical risks.

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