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No anti-virus can, at any point in time, detect all malicious programs.
This means that any system can be infected by new, unknown ransomware.
To keep your files safe from Trojans:
If you don't follow these rules and your system gets infected, you will have only yourself to blame, not the anti-virus.
To avoid the loss of valuable information in ransomware attacks, use Dr.Web Data Loss Prevention. Unlike conventional back-up programs, Dr.Web not only creates a storage for backups, but also protects it from intruders. And, even if a Trojan encrypts your files (as many as 10), you will be able to restore them on your own without having to request support from Doctor Web.