The financial side effects of the current global crisis add an additional level of stress that complicate every kind of money-related decision. All around the world, stock markets have responded to the pandemic by with sharp declines and marked instability. A diversified investment portfolio, varying in size, type, and class of investments, will provide some stability that will withstand the ups and downs of an uncertain market.

Most people make investments because they are enticed by the prospect of making money during a climbing stock market. But when the first signs of decline begin, and the lows seem lower than ever, many investors backtrack, opting for the safety of an immediate cash sellout or the stability of money market programs. It certainly isn’t fun to watch money and stock devalue, but investors who can keep their eye on the future, see the long term, will definitely profit. …

Elements of America’s economic recovery are showing signs of losing steam amid cooler temperatures and a record surge in Covid-19 cases, though others continue to improve.

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Some of the dashboard’s indicators continued to advance…but others deteriorated,

Bloomberg Economics created a weekly dashboard of high-frequency, alternative and market-based data to track the economy’s plunge into recession and eventual recovery. Some of the dashboard’s indicators continued to advance, such as a weekly measure of retail sales, but others deteriorated, particularly those with some of the greatest exposure to virus fluctuations.

The longer-term outlook got a boost on Monday, as preliminary results from the Covid-19 vaccine being developed by Pfizer Inc. and BioNTech SE sent stocks soaring to all-time highs. Even so, production and widespread distribution of a vaccine will likely take months, meaning the coronavirus will continue to dictate the economy’s direction for some time. …

The outbreak in the country appeared to slow down in the summer, but the number of new infections started to grow rapidly last month.

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“…need to increase production of the first vaccine and the second vaccine.”

Russian President Vladimir Putin made the announcement on Wednesday, during a televised meeting with government officials.

“We now need to increase production of the first vaccine and the second vaccine,” Putin said, adding that the priority was to supply the Russian market with the vaccines.

The peptide-based, two-shot vaccine, EpiVacCorona, was developed by the Vector Institute in Siberia and tested among 100 volunteers in early-stage, placebo-controlled human trials, which lasted more than two months and were completed two weeks ago. …

With a second wave of coronavirus undermining efforts to return to normal, businesses’, households’ and investors’ confidence shaken and little scope for additional monetary policy stimulus, most countries have a long way to go before output reaches pre-pandemic levels.

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On eve of IMF and World Bank meetings,The Financial Times looks at the economic effects of the first lock-down, in the shadow of the threat of another, certainly in certain regions around the world.

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Covid-19, empty Shopping Carts.

See the full Financial Times article here:

Vadim Belyaev takes a look at this audio platform in 2020.

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Media has evolved at an incredibly fast pace over the last century and in particular within the last decade. The world has gotten smaller through its digitization since the widespread use of mobile devices. This could lead one to conclude that radio has lost its relevance. I believe there is still a valuable place for this channel within today’s vast, ever-fluctuating and developing media platforms.

The Visual Guide- in 10 gentle steps: For the full explanation see the published article in Medium

#1 Compound interest is the addition of interest to the principal sum of a loan or deposit, or in other words, interest on interest. It is the result of reinvesting interest, rather than paying it out, so that interest in the next period is then earned on the principal sum plus previously accumulated interest. Compound interest is standard in finance and economics. (Source Wikipedia)

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Compound Interest.

#2 Asset allocation is the implementation of an investment strategy that attempts to balance risk versus reward by adjusting the percentage of each asset in an investment portfolio according to the investor’s risk tolerance, goals and investment time frame.

One of the positive outcomes of the global corona-virus pandemic is the extraordinarily low interest rates currently in place. Plummeting interest is a significant win when purchasing a home, refinancing a mortgage, signing a leasing contract, or repaying debt. Basically, in any situation in which you are borrowing money, low rates give you more money at less cost.

But it isn’t all good news. Where low interest rates do well for qualified borrowers, they do damage for those looking to bolster their savings.

All around the world, the economy is in turmoil and employment markets are chaotic. More and more people are being faced with difficult choices: living with reduced income, plunging into savings accounts and financial reserves, and taking hazardous steps with stocks and investments. …

The global economy has suffered a tremendous blow due to the coronavirus pandemic. During Q1 2020, stock markets encountered the biggest plummet since 1987. With high levels of unemployment and no clear end to the uncertainty being ravaged upon us, consumer spending and business development has understandably taken a nosedive.

It is not all doom and gloom. Economy industry experts are leaning toward a faster fiscal recovery than was originally assumed. They now believe that the recession will be shorter-lived than initially thinking. Expectations of global GDP growth are actually set to recover from -8.6% year on year to 3.0% …

The economy has taken a hammering, but the stock markets are on the rise. Joblessness is climbing, but it seems that the real estate market has not been affected (yet). The coronavirus pandemic has disrupted businesses of all shapes and sizes; alongside the volatility, leading financial outfits are working to accommodate employees and clients.

Corona’s economic chaos was not founded on a weak economy. Quite the contrary. This is good news. It means that we are not witnessing a replay of the 2008 market turmoil. Things will begin to look up again just as soon as people are allowed to return to stores and feel financially confident to do so. Close to 70% of G.D.P. is anchored by consumer spending — in stores, online platforms, eateries, and entertainment venues. …

Most people believe that they need to have a lot of money to make an investment. The truth is, strong and well performing portfolios can be built on the foundations of just a few hundred dollars.

If you are not looking to take big market risks, small amounts of money are best invested in a certificate of deposit (CD) from a bank or lender. You can also buy short-term Treasury bills, which are available online. These options don’t offer tremendous growth, but they are also low-risk which makes them particularly palatable for those not looking to do anything too wild. It is also a good way to grow your nest egg. …


Vadim Belyaev

Vadim Belyaev is an experienced investor, banker, financier, media manager, and philanthropist, and is recognized as a leading Russian businessman.

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