This article deals with personal finance and personal finance management problems as well as with the necessity of systematic attitude during the economic downturn. Taking into account the downfall of the financial markets, the motivation of individuals’ financial behavior is investigated. The retrospective analysis of the most popular investing instruments and comparison of results is presented in the paper, followed by the suggestion of an alternative investment option, covering the profitability and safety ratio that is independent to the economic cycle. Research findings regarding theoretical and practical personal finance management are followed by conclusions. 

Article in Lithuanian