There is a tool that gives a very high yield, sometimes up to 20% per annum, but one should not forget about significant risks. The main idea is to get a fixed yield in a non-growing market. The stock market is on the sidelines. But this does not bother the customers, as they bet that the shares would not grow. In this strategy, a loss of more than 30 % leads to losses, ”Puntusov explains.