characterized by a significant increase in return on investment, is recognized actively.
For individual investors, an active strategy for their investment behavior is
characterized by defining the directions of their implementation of organized forms of
savings (deposit investments, investments in CII, pension contributions to NPFs,
insurance premiums). A passive investment strategy for: corporate and institutional
investors ensure the level of their development already achieved by them at the expense
of investments; Individual investors assume a complete refusal to make savings in their
organized form. In our opinion, first of all, the choice of a particular type of investment
strategy depends on the investment opportunities of financial market institutions that
are characterized by their level of investment potential. After all, only the real or
potential presence of the constituent investment potential, which forms a certain level,
gives grounds for considering the issue of investing in general.
So, speaking of individual investors in the financial market (households), it should
be noted that their investment opportunities for the future can be outlined in different
types of investment strategy, which are generally related to the formation and
distribution of investment resources and are designed to provide a certain level of profit
on transformed into investment resources. To the main types of investment strategy of
households we will relate:
- a development strategy that envisages the predominant provision of current
household needs with the formation of insignificant investment resources that are either
in an unorganized form of savings or, at best, invested in both short-term bank deposits
and bond investments;
- a strategy of accumulation, which involves the implementation of investments
that have a specific purpose, namely: investment in NPF, long-term life insurance, etc.;
- a strategy of investment activity that involves making investments in the stock
market, that is, direct investing in a stock or investing in a CII, which simultaneously
is characterized by high profitability and high riskiness.
Of course, practice shows that in general, for individual investors, the formation
of an investment strategy, the choice of its type or kind is rather a "spontaneous"
process, which is carried out not as a strategy development, but as a motivated decision
making on investment. And that is why considering the peculiarities of developing an
investment strategy for households (individual investors in the financial market) is
extremely complicated at the level of individual representatives of this group of
investor institutions. Note that the specification of approaches to the strategic
development of investment activity of corporate and investment investors in the
financial market is widely, at the same time, and multivariate, highlighted in the
specialized literature.
So, depending on the mentality and behavior of the investment-institutions, taking
into account the factors of profitability and riskiness of investment, the types of
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