Russians Banks
Low awareness of potential customers on the activities of ofbu. Sufficiently few investors know about ofbu, they differ from mutual funds. If a bank portfolio manager ofbu or a bank authorized by the Central Bank to open related accounts, revoked license, a private investor would have worried a lot and run around for their own means. Money back, but it will happen no sooner than a year later, when their already fairly podest inflation. Besides all this time money on the stock exchange will not work. Sometimes advertised riskless conservative ofbu arranged on the principle of: 80-90% of funds in a bank deposit and 10-20% of the funds on the exchange.
The authors of the scheme claim that even if the 10% wasted, high bank interest on deposit (14-18% per annum) will override inflation, as if the investor put all 100% of funds in ordinary savings account. The reasoning is arithmetically correct, but the risk bank deposit in them somehow equated to zero. And it's not what the Russians could see in the summer of 2005, when several banks attracted deposits from the public, selected license. Depositors of these banks were able to recover their funds only in late 2006. Since banks benefit show high profitability ofbu, they use risky strategies that use leverage. For example, equity fund in China Uniastrum Bank for 7 months fell by 70% to This showed the yield plus 160%. That is, you lose 2 / 3 of their money. Banks always change the brochures and show the most profitable funds in advertising, but not the fact that these assets continue this growth. Risk in ofbu large enough, approximately in two higher than those of mutual funds. You need to monitor the situation on the market and in which case, transfer money from one ofbu to another.