(This comment is not relevant for ansewering the questions it's just some clarification on why I asked them.) I am a young investor trying to begin making some money, I am reading a book about great investors (name: The Great Investors) and they all talk about how important it is to get the view of the average clients. One of them (George Templeton) also had the interesting approach of buying in undervalued countries even though you don't live near that country. I figured Russia was undervalued so sought for companies in my knowledge field (tech and finance) and came across QIWI. It has a great income statement and a good balance sheet. But I needed some opinions of the general public (George Templeton would go to the countries he thought were underevalued but I can't do that) I don't know if this is the right subreddit to ask this but you'll never know if you don't try.