"Gazprombank", i-fund mutual (mutual funds) ikakhulukazi izinga umnikelo futhi izingcaphuno

Baphi enenzuzo kakhulu imali? Mhlawumbe lena yiyona ndlela okumqoka ekhathaza bonke abatshalizimali. kwezezimali eziningi: kusukela ephezulu PAMM-akhawunti lapho ngenzuzo isesikhathini 100-110%, ukuze zifakwe ebhange nge 4-5%, kodwa isivumelwano sesiqinisekiso futhi umshwalense izikweletu. Sikhuluma cishe zezimali ithuluzi utshalomali enikeza "Gazprombank" - mutual funds, noma isikhwama mutual. Eminye imininingwane mayelana ukuthi kuyini, futhi kulokho imigomo, abatshalizimali imali kuwo.

UIF: Umlando kanye nomqondo

Ukuphela utshalomali Isikhwama - ubambisane zimali ngubani ukuphathisa ngemali yabo ukutshala emithethweni ehlukahlukene yezezimali: amasheya, amabhondi, ingcebo, amatshe ayigugu, amandla, futhi ngakho, ngenxa yezizathu ezihlukahlukene abakwazi ukukwenza ... Ezinye asinalo ulwazi nokuhlangenwe nakho kwawo, ngezinye izikhathi, eyesithathu - zombili.

Kodwa njengoba besho, imali kufanele basebenze, futhi banquma ukuba abanikeze nokulahla ukuphathwa kwempahla yenkampani ngesikhathi. Yena, uthola ikhomishana, futhi itshala imali nabo amathuluzi ahlukahlukene. Inkinga wukuthi akekho unika eziqinisekisiwe imali, futhi uma imali zimali "ihlangana zibe ipayipi," okungekho imbuyiselo enikeziwe.

izimali Mutual uqala ukuvela e-United States, emuva ngo-1924. Kodwa lapho besekuhluphekeni kwezomnotho kanye nokuntula imfundo zezimali sabantu yaseMelika akekho owayekholelwa. Logic of the abantu wawulula: "Sinalezi abaphathi awazi lapho bazothola - ungacabangi." Siyavuma ukuthi abantu abaningi namuhla ukukhuluma ngendlela efanayo, kodwa inkathi yolwazi lobuchwepheshe konke ongakwenza ukuze avivinye futhi ulandelele konke.

Ake sixoxe "Gazprombank", i-fund mutual okuyinto naye wayemele kahle. Okulandelayo-ke.

Kancane ngathi

Bank "Gazprombank" - namuhla omunye credit izikhungo kunazo owaziwa eRussia. Kwakusazodlula iminyaka eyishumi umsebenzi yimpumelelo wamvumela ukuba uthole izimpendulo eziningi omuhle umsebenzi. Kodwa iminikelo kulo ongaphakeme, njengoba kwezinye izikhungo credit, - hhayi ningi than 5-7% ngonyaka. Sikhishwe amandla emali e 2015 at 12%, kungashiwo baphetha ngokuthi abantu eside ubambe imali kuma-akhawunti asebhange, kulapho nje leyo ndawo ilahlekelwa kubo ngokwezimali zangempela.

Kusukela ngo-2004, kwavula osizayo - "MC Gazprombank". Inkampani abasha ngokushesha baqala ukuthuthuka kwayo emakethe utshalomali. Ngo-2015, wathola indondo ye ukuphathwa target dolobha. Namuhla singakhetha imikhiqizo ehlukene ukuze kutshalwe izimali :. izimali Mutual "Gazprombank", amabhondi, amasheya, njll Sibala ezimbalwa.

"Gazprombank": izibopho mutual funds 'plus "

Isikhwama Mutual yakhelwe zimali abafuna ukwehlisa izingozi yabo ibe mincane. Umgomo - ukuhlinzeka imali ngenhla ezifakwa emabhange kanye nokwehla kwamandla emali. bamasheya Ukulawula imali itshalwa kumasheya ezindawo nge high isilinganiso ithemba, kuhlanganise federal loan izibopho (OFZ). Nokho, Yiqiniso, imali engenayo evela le misebenzi lingaphansi kunalokhu ukuthi ezinye zokutshala imali, inhlokodolobha ukulondolozwa kuphambili ezinhlelweni zikaHulumeni. Lapha isimiso 'kangcono inyoni esandleni ".

Ukuhoxa Mutual Isikhwama "izibopho plus"

Uma sihlaziye igrafu ukukhula, "Amabhondi plus" kusukela "Gazprombank", bese kusuka July 2013th (yaqala usuku) futhi kuze kube Juni 2015, isivuno kwaba 35%. Njalo ngonyaka lokhu u-12%. Amaphesenti, singasho ezinhle kuqhathaniswa ezifakwa emabhange 5-10%.

Yiqiniso, esakhula akuyona njalo mutual funds - kusukela ngoDisemba 2014 kuya ku-March 2015 wayethethelela kakhulu "bacwilisa" kusukela ngo-10% kuya ku-5%, okuyinto kakhulu ukwethuka abatshali bezimali abaningi abangekho ngaphansi kwesimo unswinyo kwezomnotho waqala ngokuxhamazela imali yabo ngoba wayesaba ukulahlekelwa konke. Kodwa ngemva kuka-March Mutual Isikhwama ngenkuthalo ezikhula ngaphandle iyehla iyenyuka ezinkulu.

Kulabo musa ngempela uqonde ukuthi mutual funds, isibonelo, ukuthi akukho siqiniseko "Gazprombank" - kungaba kokubili kukhule PIF ukubaluleka ungene lokususa. Masheya azigomekile ezikweletini, ngokungafani kuya ezifakwa ebhange efanayo.

"Gazprombank": PIF "Igolide"

Labo labikezela unswinyo kanye ukwehla of the ruble futhi atshalwe mutual funds "Igolide", musa usuzisola yami. Intengo yegolide, futhi kungalesi sikhathi lapho ensimbini eyigugu ukufakwa kwezimayini kanye Isikhwama, it bopha dollar. Khumbula ukuthi ukwehla futhi, ngenxa yalokho, kokuwa ruble ngo-2014 asewile cishe kabili. Lokhu kusho ukuthi ncamashi ruble efanayo yalahlekelwa yiyo yonke imali, ngaphandle kwalezo kabani ezifakwa abekade currency angaphandle namatshe ayigugu.

Kusukela ekuqaleni ukhona, kusukela ngo-July 2013, Mutual Fund, njengoba besho, enomkhuhlane. Kuze Septhemba 2014 isivuno Inkomba bawela lokususa 20%, kodwa namanje wahamba zero. Ake sithi ngisho 1% isilinganiso sokubuyisela yonyaka utshalomali akunakunisiza, njengoba kulokhu, akusona ungcono ukugcina imali ekhaya ngaphansi komqamelo.

Izinga lokwehla kwamandla emali kwaphawuleka ezingeni 12%, okuyinto yehliswa utshalomali ngokwezibalo zangempela. Kodwa lokhu akulona icala lakho "Gazprombank" - mutual funds, kodwa kunalokho intengo legolide akuxhomekile kuye. Kodwa kuyafaneleka ukuthi inkampani ephethe izimali kumele ifake hlangana zonke lokuwa yemakethe. Uma engayikhokhi ukuthi benzenjani ke, eqinisweni, kungani idingeka? Kodwa ngeke siye ku empikiswaneni ukuphumelela kwezindlela zokwelapha, futhi uqhubekele Uhlaziyo luqhubeka yesikhwama mutual "Igolide".

Kusukela ngo-October 2014, futhi kwaba ke ngokumelene laseRussia aqala abeke unswinyo, nohlobo lwemali kazwelonke ukuze depreciate amafa waqala ukubonisa ukukhula. Kuphela kusukela ngo-October 2014 kuya maphakathi no-February 2015 yafinyelela cishe 90%.

Labo bamasheya Zingobani 'doterpel "wathola isinxephezelo ngokokuqala bahlambalaza" Gazprombank ", i-fund mutual, futhi bebonke lonke capitalism njengoba uhlelo. Lokhu kuveza iphesenti ayinawo ngisho amafa ephezulu ezihlukahlukene PAMM-akhawunti lapho ematfuba ukulahlekelwa yonke imali eliphezulu kakhulu.

Ngemva kokuwa enjalo okusheshayo e mutual funds zashona phansi, kanye inzuzo Imininingwane Kusukela ngoJulayi 2013 Julayi 2016 zaba kancane engaphezu kwengu-60%, eqinisweni, okungukuthi 20% ngonyaka.

izinkinga ezivamile zimali

Kuyaphawuleka ukuthi ukutshalwa kwezimali ruble ilahlekelwe ingxenye ngenxa unswinyo kwezomnotho kanye ukwehla kwamandla kazwelonke. Noma yimuphi iphesenti esingaphansi 100, eqinisweni, lokhu akunakunisiza zimali.

Nakuba lwemali kokutshalwa kuze 2014 agcinwe inzuzo yangempela inhlokodolobha kuze kube manje, naphezu kweqiniso lokuthi imali engenayo evela kubo zero.

iziphetho Jikelele

Ukutshala Imali Ngokuthenga mutual funds noma cha - kuyinto ndaba ngabanye. Ithi into eyodwa: uma inkampani itshala imali imali yakho, akusho ukuthi umuntu ngokwakhe 'elele phezu kwesitofu, "futhi ungacabangi balindele inzuzo enkulu.

Umuntu onecala inzuzo noma ukulahlekelwa oba kuphela nge zimali. Ngakho-ke kuyadingeka ukuba uhlole konke okuhle, cabanga kahle lapho ukutshala imali yabo. izimali Mutual, yebo, siyonikeza engenayo ngenhla nje ebhange, kodwa ungakhohlwa ukuthi uma kwenzeka ukulahlekelwa elilodwa akusho isinxephezeliso ukonga kanzima ayithole ngokungafanele.

Naphezu kweqiniso lokuthi "Gazprombank" Bank - esitebeleni sesikweletu, akuqinisekisi isinxephezelo uma yokulahlekelwa capital zimali atshalwe mutual funds yayo.