Development of a scientific model of investment portfolios diversification for Russian households

in the conditions of global economic instability and high market volatility, the study of diversification of investment portfolios acquires special relevance. The present work is aimed at developing a scientific model that contributes to improving the financial stability of Russian households. The relevance of the topic is due to the need to minimize risks and create a stable income in the long term. The developed model of investment portfolio diversification for Russian households provides a scientifically based approach to asset management, which is aimed at reducing risks and increasing the stability of investments. The model is based on the principles of allocating funds between different asset classes, including traditional instruments such as stocks and bonds, as well as innovative tokenized assets. Key findings of the paper include recommendations for creating balanced portfolios for households based on their financial goals, income levels and risk tolerance. The paper proposes a segmentation of households, which allows the model to be customized to meet the individual needs of different categories of investors. The use of digital technologies for analyzing and forecasting market risks is identified as a promising direction of development. The hypothesis of the study is that diversification with the application of modern management tools and methods will increase the sustainability of investments even in the conditions of economic challenges. The prospects for future research are related to empirical testing of the proposed model, analyzing its application in different regions of Russia and assessing the impact of digital innovations on capital management. The results of the work may become the basis for further research in the field of financial stability and investment planning.

diversification, investment portfolio, households, risk management, tokenized assets, financial stability, digital technologies, market volatility, investment strategies, economic stability