“…One can invest their money in government bonds, municipal bonds, corporate bonds, stocks, real estate (cf. Głuszak, 2018;Luchko, 2017;Mačí & Valentová Hovorková, 2017;Rozhelyuk, Khorunzhak, & Luchko, 2018;Vychytilova, 2018), deposits and bank metals. For NPF there are clear requirements for diversification of assets.…”