SPECIFICS OF LONG-TERM AND SHORT-TERM INVESTMENT BY INDIVIDUALS IN VARIOUS TYPES OF FINANCIAL INSTRUMENTS IN MODERN CONDITIONS

Currently, a significant number of individuals are faced with an urgent and difficult task: how to save their savings from inflation and, if possible, even increase them. Taking into account the situation of instability and uncertainty in the investment market, inflationary trends, as well as waves of fraud that have engulfed the financial services market, total and often false advertising in the media and a number of other factors have made the above-mentioned task of saving their funds urgent. The situation is further aggravated by the low financial literacy of the population and the low efficiency of the fight against fraud by control and law enforcement agencies. In these conditions, an objective and unbiased analysis of various types of financial instruments used by individuals in the investment market is necessary in terms of liquidity, reliability and profitability.