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What distinguishes some financial instruments from others? There are two main characteristics. This is profitability - how much profit you will receive, for example, interest on a deposit. And the second is the level of risk - in other words, the probability of losing your money. Here, for example, deposits, in terms of profitability and risk, can be assessed as follows: profitability is low - some few percent per year, but high reliability, this money is difficult to lose. Comparable to the profitability of stocks, which can add half to your money in just one day. Or they may not add, you can lose everything, this is a high level of risk.