Management

Introduction. To stably receive a high enough retirement in the future, the individual should early start to make pension savings and efficiently and deliberately be engaged in pension schemes not only to return but also to increase his/her savings. For this, pension savings schemes should be analyzed from the viewpoint of personal preferences and effective interest rates, and the risks of possible losses due to the activity of pension funds should be taken into account.

Introduction. The formation of the investment attractiveness of regions is a prerequisite for the innovative development of the country. Making decisions on investments depends on the regional environment conditions. Methods. The methods of rating by the Expert rating agency and the Forbes magazine are among the most popular ones of evaluation of the investment attractiveness of regions. The paper presents a comparative analysis of the methods by the indicators and information sources used. Results.

Introduction. Knowledge and the subjects whose activity results in increased knowledge play an important role in the modern economy, including information clusters. Theory. The “competitive region — competitive state” relationship is often considered in the design of clusters. Analysis. The information cluster, allowing for its specificity, should be macroeconomic, considered at the country level. Results.

Introduction. «Customers behavior» is a broad notion including not only the process of buying the product (service, work) but customer’s behavior before buying and after it. Purchasing behavior is influenced by incentives and factors specific marketing policies in local sales of goods. Research methods. To determine the marketing strategy of retail trade company were monitored consumer preferences and evaluation of the quality of customer service in the two chain stores in Saratov in the summer of 2011 and 2012.