Russian rubles. Archival photoMOSCOW, January 14Stereotypical thinking and lack of knowledge can prevent you from earning money, Associate Professor of the Department of Finance and Prices of the Russian University of Economics. G.V. Plekhanova Diana Stepanova. The expert listed five main misconceptions of novice investors. One of them is that Russians «never start investing money, as they are always waiting for the right moment: accumulating initial capital, receiving a salary increase, changing jobs, and so on» . They are waiting, according to her, when they accumulate a million in order to invest it in the stock market. In addition, the Russians, fearing risks, are afraid to consider even the most reliable and liquid investment instruments, for example, OFZ. They also do not want to get involved with social and other tax deductions, do not take mortgage loans, but try to save up cash to buy an apartment. But if they decide to take a loan, they also agree to additional services of the bank, thinking that this is the only way the bank will approve the loan, Stepanova noted. «People agree to additional paid services that accompany loans, presenting them as a prerequisite for approving a loan, but from many imposed by banks services, including insurance, can and should be refused without worsening the terms of the financial contract. By law, credit organizations do not have the right to impose another when you purchase one product, «the financier emphasized.
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