Methodology and principles of assets allocation

¹ International University of Digital Economy and Technology, Moscow, 121614, Russia
² Computer and Information Sciences Department, Povolzhskiy State University of Telecommunications and Informatics, Samara 443010, Russia
³ Department of Management, Federal State Budgetary Educational Institution of Higher Education “Kuban State Agrarian University named after I.T. Trubilin, Krasnodar 350044, Russia
⁴ Department of labor economics and human resources management, Federal State Autonomous Educational Institution for Higher Education Russian Transport university, Obraztsova Street 9, facility 9, Moscow 127994, Russia
⁵ Department of transport economic and management, Federal State Autonomous Educational Institution for Higher Education Russian Transport university, Moscow 127994, Russia

^* Corresponding author: alzolkin@list.ru

Abstract

Every year the number of those wishing to dive in investments is growing at exponential way. In despite of situation in 2020 many people could efficiently use this time, and some of them could even reserve the assets. But now the other challenge is arisen, how should the assets be invested in an effective way using all power of modern financial markets? The slight knowledge intended for experienced people are presented in the most books, articles and manuals. But how the novice investors should manage which do not see the difference between stock and bond, and the “diversification” word ignites panic-driven fear and discourages from development in this area. The material helping every of those wishing to start without fear and doubts the diving in investment from the very beginning is presented in this work. The main classes of assets with which the Wall Street’s financial experts work, principles for assets allocation and methods helping to choose the optimal model for profit-risk calculation are described in this article.