Как работают облигации и за какой риск вам на самом деле платят?

Bonds are often compared to deposits. But they're not the same thing. In this episode of "Babki v Delo" (Money in Action), Konstantin Novik and I explore how bonds work, why yield shouldn't be determined solely by the attractive figure in the app, and what kind of risk investors are actually being compensated for. We explore: — How bonds differ from deposits — What are OFZs, corporate bonds, and VDOs — Why coupon and yield can be different numbers — How the key rate affects bonds and deposits — Why you should look at the issuer rating — What mistake in bonds can be the most costly — How much capital is needed to earn a million rubles a month This episode will be useful for those who are considering bonds but don't yet understand how to choose securities, where the risks lie, and why a high interest rate doesn't always mean a good deal. Guest of the episode: Konstantin Novik Author of the "Silent Money" project, Head of the Financial Literacy Department at the AVO Investors Association Telegram of the "Silent Money" project: https://t.me/silenceandmoney Zen of the "Silent Money" project: https://dzen.ru/silentmoney AVO Investors Association: https://bondholders.ru/ Useful links from the episode: Issuer disclosure: https://www.e-disclosure.ru/ Expert RA, ratings: https://raexpert.ru/ NCR, ratings: https://ratings.ru/ NRA, ratings: https://www.ra-national.ru/ ACRA, ratings: https://www.acra-ratings.ru/ Timecodes: 00:00 — What's the episode about 01:21 — Why you shouldn't buy bonds in the app right away 02:24 — Bonds in simple terms: investment On the contrary 06:18 — Why high yields come with risk 08:37 — Is it possible to sell a bond before maturity without losing interest 10:07 — OFZ: low credit risk, but there is price risk 12:46 — Why yield should be compared with inflation 16:26 — How the key rate affects deposits and bonds 18:27 — Why banks often don't care about interest rates and inflation 20:54 — OFZ and corporate bonds: why companies pay more 26:14 — Issuer ratings: what does the letter in the rating mean 36:19 — Issue size, initial public offering, and duration 36:49 — What to choose when the application is full of numbers and letters 37:05 — 7% coupon, 14% yield: where did the difference go? 46:17 — Bond funds: is it easier than buying them yourself? 49:36 — Stocks versus bonds: where there's more uncertainty 59:34 — Are OFZs available through a regular broker? 60:03 — Where to start: OFZs, ratings, and stop factors 65:10 — The most expensive mistake in bonds 72:38 — Why a small capital pushes investors to take on unnecessary risk 75:05 — How much money do you need to earn a million rubles a month? 79:29 — The main idea about bonds #bonds #investments #ofz #financialliteracy #moneyinbusiness #personalfinances #passiveincome The information in this episode is for informational purposes only and does not constitute individual investment advice. We share the guest's opinion and personal experience. Viewers make all decisions independently, taking into account their goals and risk level.